We control and operate this Site from the United States of America. Visitors to the Site may use the public areas of the Site for informational purposes only. In addition, certain areas of this Site may be restricted and contain information and functionality intended only for authorized persons. Accordingly, LCF reserves the right to limit access to certain areas of the Site to authorized persons who meet the qualifications established by us. We reserve the right to discontinue access to any restricted or unrestricted area of the Site at any time, without notice to you, for any reason. If you are granted access to any restricted portion of the Site, you are responsible for maintaining the confidentiality of your user ID and password. If you become aware of unauthorized use of your user ID or password, you agree to notify LCF immediately.
LCF is pleased to hear from visitors and welcomes your comments regarding the Site. Please be advised, however, that LCF 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 LCF or anyone at LCF. If, despite this request, you still send LCF your ideas and materials, please understand that by submitting the information to LCF, you assign LCF, 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 for any purpose whatsoever without restriction and without compensating you in any way, and by submitting any such information and materials, you represent to LCF that you have the right to do so.
Disclaimer of Warranty and Liability
LCF 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. LCF SHALL HAVE NO RESPONSIBILITY FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE ACCESS TO OR USE OF THE SITE OR DOWNLOAD OF ANY CONTENT, MATERIALS, OR INFORMATION. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM LCF OR THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. IN NO EVENT SHALL LCF 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 LCF, 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.
Disclaimer Concerning Information on Site
The information our Site is for informational purposes only. The information on this Site is believed to be correct; however, LCF does not guarantee the correctness or completeness of any information. No information on this Site 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 you obtain 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. LCF’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.
LCF 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 LCF.
Entire Agreement and Amendment
By accessing this Site or registering with LCF, 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 or unregistered trademarks of LCF, its affiliates or subsidiaries, or third parties who have licensed their trademarks to LCF or one of its affiliates or subsidiaries, and all content appearing on the Site (“Content”) is protected by copyright, patents or other proprietary agreements and laws. You are only permitted to use Content appearing on the Site as expressly authorized by LCF, its affiliates or its licensors. Nothing contained herein transfers any right, title, or interest in the Site or Content to you. You may download, view, copy and print Content, subject to the following: (a) Content may be used solely for personal, informational purposes only; (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) 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 LCF. Any rights not expressly granted herein are reserved.