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At Life Policies of America, we are committed to protecting your privacy. You can be assured that the nonpublic personal information provided to us in the course of doing business will be used responsibly and safeguarded. We recognize that the relationships with our clients are based on integrity and trust, and all personal information will be kept in confidence. This statement is designed to let you know our practices with regard to your personal information; however, you do not need to take any action as a result of this notice.
In the course of evaluating a potential life settlement, we may collect nonpublic personal information. Most of this information is obtained directly from our customers, or from medical, financial and insurance institutions with the customer's authorization, and is only utilized as it pertains to the possible life settlement transaction. The types of information may include:
- Information in applications and forms required in the course of doing business
- Information we receive from nonaffiliated entities including, but not limited to, credit-reporting agencies
- Health or medical information that a customer authorizes us to receive
- Customer transaction information such as account activity, payment history or product purchases. This can include information from the issuing life insurance company
- Information provided by visitors to our web site, such as from online forms or visitation data, or from visitation and other automatic data we may receive when you interact with our web site, and information provided to us by electronic mail
We recognize that our ability to provide you with the most competitive life settlement offer possible is related to the personal information we collect and utilize. It is important that you know that we do acquire this information and how it is treated and protected. Information is only disclosed to administer business transactions and where law requires disclosure. Additionally, we may disclose nonpublic personal information to:
- Medical care institutions or medical professionals as is reasonably necessary to conduct our business
- Third parties we have contracted with to provide business services, including financing for the purchase of policies. In this case, we contractually require these third parties to maintain the privacy of this information as required by law
- Insurance regulatory authorities and reporting agencies, law enforcement agencies or other governmental agencies
- We retain the right to utilize nonpublic information such as ideas, concepts or techniques contained in any nonpublic information provided for our marketing and product development purposes.
In the course of doing business, we may receive information, including data, questions, comments or suggestions, that do not relate to our evaluation of a potential life settlement. Such information, whether received by electronic mail or other means, will be treated as nonconfidential and nonproprietary, and becomes the property of LPA.
At LPA we have established security practices and procedures to maintain confidentiality of nonpublic personal information in accordance with state and federal privacy regulations. We do not provide any information to unrelated companies for the purpose of marketing their products or services, and we restrict access to nonpublic personal information within LPA to those employees who need to know that information in the course of doing business.
LPA shall not be liable under any circumstances for damages including, but not limited to, direct, indirect, special, incidental, consequential, punitive or exemplary damages that result from the use of information or materials posted to or collected as a result of the user accessing the LPA web site.
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By accessing, reading and making use of this Website and the Web pages provided by LPA, you agree without any limitation or qualification to be bound by the terms and conditions set out below and on the respective Web pages. You should carefully read these terms and conditions prior to using this Website or accessing the Web pages contained herein. If you do not wish to be bound by these terms and conditions, you may not access or use the information or service provided on the pages. Should you become dissatisfied with any Web page of LPA or with any terms and conditions related thereto, your sole and exclusive remedy is to discontinue accessing the respective Web page and this Website. This Web page and the terms and conditions contained herein may be revised or modified from time to time, without notice, by the updating of this posting. Any such changes or modifications bind you and therefore, every time you access a Web page from LPA you must make sure you review the then current terms and conditions outlined in this page. In the event that any portion of the terms and conditions on this Web page is held to be unenforceable, the unenforceable portion shall be construed in accordance with applicable law as nearly as possible to reflect the original intentions of LPA and the remainder of the provisions shall remain in full force and effect.
The information and materials posted on this Website are provided "AS IS" and neither LPA nor any of its officers, directors or employees make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title or non-infringement, or the implied warranties of merchantability or fitness for a particular purpose) with regard to any merchandise, information, material or service provided through its Web pages, this Website or on the Internet generally. LPA does not represent or warrant that any of the information presented on its Web pages, this Website or on the Internet generally, will be uninterrupted or error-free, that defects will be corrected, or that this Website or the server from which it is accessed are free from viruses, worms, Trojan horses or other harmful components. Neither LPA nor any of its officers, directors or employees shall be liable for any cost or damage arising to you or any third party either directly or indirectly from any transaction, be it through the Internet or otherwise. LPA does not make any representation or warranty as to the use or the results of the use of the information or the materials presented on its Web pages, this Website or on the Internet generally in terms of their correctness, accuracy, reliability, or otherwise. You, and not LPA, assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the information or material presented, but are provided solely for general informational purposes.
Access to this Website is a free service offered to you by LPA. As a result, LPA cannot and does not guarantee that the links set out on its Website will be accurate, complete, relevant or reliable at the time of your access. Moreover, the sites pointed at by hyperlinks are developed and maintained by persons over whom LPA does not exercise any control. We cannot and do not monitor the sites linked to our Web pages on the Internet. Accordingly, LPA assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. The inclusion of any link to such sites, or the content thereof, does not imply approval of or endorsement by LPA. LPA is not responsible for the contents of neither any linked site nor any link contained in any site, nor does it make any representation as to the accuracy, completeness, relevancy or reliability of any material or information contained therein. LPA believes that persons who make information available on the World Wide Web or in newsgroups do so with the expectation that such information will be publicly and widely available. Further, LPA believes that its making available hyperlinks to publicly accessible Web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. If access to a particular Web site is restricted, LPA will remove the link from their site at the other site operator's written request. Links are subject to change without notice.
Unless otherwise noted, all trademarks, servicemarks, trade names, graphic images, logos, icons, buttons, layout, and text contained in this Website are the exclusive property of LPA. Nothing contained in this Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to utilize any such trademarks, servicemarks, trade names, graphic images, logos, icons, buttons, layout, or text displayed on this Website, nor may such information be copied or distributed, in whole or in part, without the express written consent of LPA. Permission is granted to print copies of the information within this Website for your own personal or internal use, and to display and use the information within this Website with a computer solely for your own personal or internal use. LPA herewith states that it is not an owner of the trade- and servicemarks used on Websites linked to its Web pages when these belong to persons or companies outside of LPA. Images displayed on this Website are either the property of or used with permission by LPA. Use of these images by you is strictly prohibited unless otherwise noted and specifically permitted herein. Any unauthorized use of these images could be a violation of copyright, trademark or related laws.
Though an effort has been made to provide complete information, LPA assumes no liability for the accuracy, completeness, relevance or usefulness of any information or materials provided in this Website, nor does it make any representations or warranties regarding the information, material or service provided through its Web pages, this Website or on the Internet generally. You assume total responsibility and risk for your use of and access to this Website and the Web pages created and offered by LPA and any linked Websites offered by or created by other persons. It is solely your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services and other information, and the quality and merchantability of all merchandise, provided through the Web pages by LPA or on the Internet generally. All information contained on any page set up by LPA is distributed with the understanding that the authors, publisher and distributor are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and, accordingly, they assume no liability whatsoever in connection with its use. You should always consult with your legal or tax advisor with respect to your situation. LPA shall under no circumstances be liable for any direct, indirect, incidental, special, punitive or consequential damages that result in any way from your use of the Internet or your reliance on or use of information gained or services or merchandise provided on or through our Websites or the Websites of third parties, even if LPA or any authorized representative thereof has been advised of the possibility of such damages.
This Website, the Web pages and information contained herein, are not intended to constitute an offer to sell or a solicitation in connection with any product or service by LPA or any of its affiliated or subsidiary companies. Products and services referenced herein may not be available in all jurisdictions, and in certain instances, may only be available through your broker or licensed intermediary. The listing of products, services, information and descriptions contained on this Website is intended for general information purposes only and is not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes.
LPA has no obligation to monitor any transmission made through the respective Web pages and newsgroups. However, by accessing, reading and making use of this Website and the Web pages provided by LPA you agree without any limitation or qualification that LPA has the right to monitor their Internet services electronically from time to time and to disclose any information as necessary to satisfy any law, regulation or governmental request or to protect itself. Any information or communication that you transmit to this Website by electronic mail or otherwise, including data, questions, comments, or suggestions, as well as automatic information we receive when you interact with this Website, will be treated in accordance with our Privacy Statement.
Software Quality and Licenses
LPA does not warrant that any information, software or other material accessible through one of its Web pages, this Website or the Websites of any linked third parties is free of viruses, worms, Trojan horses or other harmful components. LPA assumes no responsibility, and shall not be liable for, any direct, indirect, incidental, special, punitive or consequential damages that result in any way from your use, access to, browsing in, or downloading of any information, data, text, images, software or other material accessible through one of its Webpages, this Website or the Websites of any linked third parties. You acknowledge that any software available or provided to you on this Website or through any linked Websites may contain information technology that is subject to strict governmental controls by various agencies of the United States Government pursuant to United States export control laws and regulations. You hereby agree that you will not transfer or export such software from the United States (including, without limitation, providing such software to any foreign person or entity in the United States) or re-export such software outside the United States in violation of United States export laws and regulations. does not authorize the downloading or exportation of any software or technical data from this Website to any jurisdiction prohibited by the United States export controls laws and regulations.
When making use of the service provided on the Web pages of LPA you may not: post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane, or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any local, national or international law, including without limitation the U.S. export control laws and regulations; post or transmit any information or software which contains a virus, worm, Trojan horse or other harmful component; post, publish, transmit, reproduce, distribute or in any way exploit any information, software or other material obtained through our Web pages for commercial purposes (other than expressly permitted by the provider of such information, software or other material); upload, post, publish, transmit, reproduce, or distribute in any way, information, software or other material obtained through our Web pages which is protected by copyright, or other proprietary right, or derivative works with respect thereto, without obtaining permission of the copyright owner or rightholder; or upload, post, publish, reproduce, transmit or distribute in any way any component of our Web pages themselves or derivative works with respect thereto, except where expressly stated.
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