Life Care Funding Group (LCFG) assists people in need of funds obtain the necessary financial means to meet their needs and expenses. LCFG specializes in liquidating existing life insurance policies through the Life Settlement market to raise cash for the policy holder.
OUR PRIVACY POLICIES AND PRACTICES
Information We Collect:
A. Categories of Information Collected and Sources From Which We Collect it
We collect nonpublic personal information from the following sources:
- Information we receive on applications or other forms.
- Information about transactions with us, our affiliates or others.
- Information we receive from a consumer reporting agency.
- Information we receive from medical records or medical professionals.
B. Persons From Whom Information is Collected
- We may collect nonpublic personal information from individuals other than those proposed for coverage. Information obtained from the report prepared by the third party may be retained by the third party and disclosed to other persons.
Information We May Disclose to Third Parties:
In the course of our general business practices, we may disclose the information that we collect (as described above). We do not disclose any nonpublic information to anyone, except as permitted by law. Examples of the types of disclosures that we might make include the following:
To a life settlement provider to receive offers to settle a life insurance policy;
To a third, party if the disclosure will enable that party to perform a business, professional or insurance function for us;
To an insurance institution, agent, or insurance support organization in order to detect or prevent criminal activity, fraud or misrepresentation in connection with an insurance transaction;
To an insurance institution, agent, or insurance support organization for either LCFG or the entity to whom we disclose the information to perform a function in connection with an insurance transaction;
To an insurance regulatory authority, law enforcement, or other governmental authority in order to protect our interests in prevention of prosecuting fraud, or if we believe there have been illegal activities or for other lawful purposes;
Your Right to Access and Amend Personal Information:
You have the right to request access to the personal information that we have on record. Your right includes the right to know the source of the information and the identity of the persons, institutions or types of institutions to whom we have disclosed such information within two (2) years prior to your request. Your right includes the right to view such information and copy it in person, or request that a copy of it be sent to you by mail (for which we may charge you a reasonable fee to cover our costs). Your right also includes the right to request corrections; amendments or deletions of any information in our possession. The procedures that you must follow to request access to or an amendment of your information are as follows:
To obtain access to your information: You should submit a request in writing. The request should include your name, address, social security number, telephone number, and the recorded information to which you would like access. The request should state either you would like access in person or a copy of the information sent to you by mail. Upon receipt of your request, we will contact you within 30 business days to arrange providing you with access in person or the copies that you have requested.
To correct, amend, or delete any of your information: You should submit a request in writing. The request should include your name, address, social security number, telephone number, the specific information in dispute, and the identity of the document or record that contains the disputed information. Upon receipt of your request, we will contact you within 30 business days to notify you either that we have mad the correction, amendment or deletion, or that we refuse to do so and the reasons for the refusal, which you will have an opportunity to challenge.
Our Practices Regarding Information Confidentiality and Security:
We restrict access to non-public personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and organizational safeguards to protect information about you.
Health Insurance Portability and Accountability Act (HIPAA) Notice
Although LCFG is not a HIPAA covered entity, we recognize the impact that the HIPAA privacy regulations have on our customers. LCFG remains committed to operating as responsible professionals who are dedicated to maintaining the privacy of information that we receive, consistent with applicable law and regulations. Some of LCFG’s U.S. based associates and other relevant third-party organizations may be “Covered Entities” under the privacy regulations of the Health Information Portability and Accountability Act (“HIPAA”). Any HIPAA Covered Entity is legally obligated to maintain the privacy of all patient information that they create or receive.
Helpful links for more information on health information privacy rights in the United States of America:
We control and operate this Site from the United States of America and visitors to the Site may use the public areas of the Site for informational purposes and are subject to these Terms. In addition, certain areas of this Site are restricted and contain information and functionality intended only for authorized professionals. Accordingly, LCFG reserves the right to limit access to certain areas of the Site to authorized professionals who meet the qualifications imposed by us. The resources in the password-protected areas of this Site are specific to and intended for authorized professionals who specialize in the best-in-class services that we provide. We reserve the right to discontinue access to any restricted area of the Site at any time, without notice to you, for any reason. If you are or become a registered user, you are responsible for maintaining the confidentiality of your User ID and password. If you become aware of unauthorized use of your User ID and password, you agree to immediately notify LCFG.
LCFG is pleased to hear from visitors and welcomes your comments regarding the Site. Please be advised, however, that LCFG and its employees do not accept or consider unsolicited ideas, including ideas for new products or technologies, processes, materials, marketing plans, or new product names. Please do not send your unsolicited ideas or any original materials to LCFG or anyone at LCFG. If, despite this request, you still send LCFG your ideas and materials, please understand that by submitting the information through this Site, you assign LCFG, free of charge, all worldwide rights, title and interest in all copyrights and other intellectual property rights in the information or materials you submit. We will be entitled to use any information and materials you submit through this Site for any purpose whatsoever without restriction and without compensating you in any way, and by submitting any such information and materials, you represent to LCFG that you have the right to do so.
You may not link or hyper-link to any portion of www.lifecarefunding.com without express permission and written authorization governing the terms of said linkage.
Disclaimer of Warranty and Liability
LCFG EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, FOR THE SITE AND ALL CONTENT HEREIN. ANY CONTENT, MATERIALS, OR INFORMATION DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK. LCFG SHALL HAVE NO RESPONSIBILITY FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY CONTENT, MATERIALS, OR INFORMATION. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM LCFG OR THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. IN NO EVENT SHALL LCFG BE LIABLE FOR ANY DAMAGES OF ANY KIND INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM ACCESS TO, OR USE OF, THE SITE OR ANY SERVICES PROVIDED THROUGH THE SITE.
You agree to indemnify, defend and hold LCFG, its parents, subsidiaries, affiliates, directors, officers, employees and agents, harmless from any claim, demand, liability, expense, or loss, including reasonable attorneys’ fees, made by any third party due to or arising out of, or in any way connected with your use of or access to the Site or your violation of these Terms.
The information conveyed on our website is for informational purposes only. The information on this website is believed to be correct; however, LCFG does not guarantee the correctness of any information.
No information on this website is intended as legal, tax, financial, or advice of any kind. A portion, or all, of the proceeds of a life settlement may be taxable under state and federal income tax laws. We recommend the services of a professional tax advisor in this matter.
These Terms shall be governed by and construed in accordance with the laws of the State of Maine. In the event of any conflict between foreign laws, rules and regulations and those of the United States, the laws, rules and regulations of the United States shall govern. The United Nations Convention on Contracts for the International Sale of Goods will not apply to these Terms
In the event that any provision of these Terms shall, in whole or in part, be determined to be invalid, unenforceable or void for any reason, the determination shall affect only the portion of the provision determined to be invalid, unenforceable, or void, and shall not affect the remainder of that provision in any way. You agree to allow a court or arbitrator to replace such an invalid, unenforceable, or void provision with a valid provision which is as similar as possible in substance to the invalid, unenforceable, or void provision. LCFG’s failure to act with respect to any breach by you does not constitute a waiver of our right to act with respect to subsequent or similar breaches.
LCFG may assign its rights and duties under these Terms without such assignment being considered a change to the Terms and without notice to you. You may not assign these Terms without the prior written consent of LCFG.
These Terms, the Privacy and Security Policy, any operating rules, policies, or procedures that may be posted from time to time by LCFG on the Site, and any modifications to the foregoing, constitute the entire agreement between the parties with regard to the subject matter hereof and supersede all prior understandings and agreements, whether written or oral, as to such subject matter. Nothing contained in these Terms shall be deemed to constitute either party as the agent or representative of the other party, or both parties or partners for any purpose.
By accessing this Site or registering with LCFG, you agree to all the terms and conditions of these Terms. You acknowledge (a) that you have read and understood these Terms; and (b) that these Terms have the same force and effect as a signed agreement.
Any trademarks, service marks and logos displayed on this Site are registered and unregistered trademarks of Life Care Funding Group, LLC (LCFG), its affiliates or subsidiaries, or third parties who have licensed their trademarks to LCFG or one of its affiliates or subsidiaries and all content contained herein is protected by copyright, patents or other proprietary agreements and laws and you are only permitted to use Content as expressly authorized by LCFG, its affiliates or its licensors. Nothing contained herein transfers any right, title, or interest in the Site or the Content to you. You may download, view, copy and print Content, subject to the following: (a) the Content may be used solely for personal, informational, or internal business purposes; (b) any and all copyright, trademark and other proprietary rights notices must appear on all copies, including the copyright notice at the bottom of the page; (c) the Content may not be modified or altered in any way; and (d) no graphics may be used separate from accompanying text. Except as provided above, you may not use, download, upload, copy, print, display, perform, reproduce, publish, license, post, transmit, frame, mirror on another Web service, use any meta tags, inline any graphics or distribute any Content or information from the Site in whole or in part without the express permission of LCFG. Any rights not expressly granted herein are reserved.
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