LEGAL NOTICE AND TERMS OF USE

The Alliance for Lifetime Income and its affiliates maintains this site (the “Site”) for your information, education and communication. In return for gaining access to the Site and using it, you agree to be bound by the following terms and conditions of use (“Terms of Use”) without limitation or qualification. Please review these Terms of Use, along with the Privacy and Security Policy and any other terms and conditions you may have entered into with the Alliance for Lifetime Income, carefully before using the Site. We require that all visitors to our Site adhere to the following Terms of Use. Your use of the Site signifies your acceptance of these Terms of Use. If you do not intend to be legally bound by or agree to these Terms of Use, please do not access or use the Site. The Alliance for Lifetime Income reserves the right to change these Terms of Use and to make changes to any of the information, products or programs described in the Site at any time without notice or liability. Any such revisions are prospectively binding on you and, therefore, you should periodically visit this page when you use the Site to review the then-current Terms of Use that binds you. The Alliance for Lifetime Income also reserves the right, in its sole and unfettered discretion, to deny you access to the Site at any time.

Laws and Regulations

Your access to and use of the Site is subject to all applicable international, federal, state and local laws and regulations (collectively, “Applicable Laws”), and you accordingly agree to abide by all such laws when accessing or using the Site.

Restrictions

This Site is owned and operated by the Alliance for Lifetime Income. Modification of materials from this Site or use for any purpose other than your information, education or other non-commercial use is a violation of these Terms of Use and of the Alliance for Lifetime Income’s copyright and other proprietary rights and is strictly prohibited. Use of any material from this Site on any other website or networked computer environment is strictly prohibited. No material from this Site or any website owned, operated, licensed or controlled by the Alliance for Lifetime Income may be copied, reproduced, republished, uploaded, posted, transmitted, displayed, downloaded, licensed, modified, reposted, reused, used to create a derivative work or otherwise distributed in any way except as set forth below under Intellectual Property. Technically, visiting the Site constitutes downloading of software from the Site, including any files, images incorporated in or generated by the software, and data accompanying the software (collectively, the “Software”). The Alliance for Lifetime Income grants you permission to download or use Software solely in accordance with these Terms of Use. For the avoidance of doubt, the Software is licensed and not sold to you and no title to Software is transferred to you. While you may own the medium on which the Software is displayed, notwithstanding same, the Alliance for Lifetime Income retains full and complete title to the Software and all intellectual property rights therein. The Alliance for Lifetime Income owns or uses by permission all Software, and copyright and other laws and international treaty provisions protect this Software. You may not redistribute, sell, decompile or disassemble the Software, and such actions could result in severe civil and criminal penalities. Your privilege to view the Site does not entitle you to link to the Site from any other site (whether such link is to the home page of the Site or any other page contained on the Site, and whether such link opens in a frame, a new window or otherwise). If you wish to add a link to the Site, you must first obtain the express written consent of the webmaster, [email protected], which may be withheld in the webmaster’s sole discretion. You agree that you will not: (i) distribute, disseminate, post or publish any information or material that degrades, embarrasses, harasses, humiliates, intimidates or threatens any individual or group of individuals on the basis of their age, ancestry, color, ethnicity, marital status, medical condition, mental or physical disability, national origin, race, sex, sexual orientation, union or nonunion affiliation, or any other basis protected by Applicable Law; (ii) abuse, defame, harass, stalk, threaten or otherwise violate others’ legal rights including, but not limited to, rights of privacy and publicity; (iii) download or upload files that may damage the operation of another’s computer, such as computer viruses, corrupt files or similar software; (iv) download or upload files that contain materials, including but not limited to software, that violate the intellectual property, privacy or publicity rights of others unless you own, control or have been authorized to exercise such rights; (v) distribute, disseminate, post or publish any indecent, obscene, or unlawful information or material; (vi) engage in any commercial purpose including, but not limited to, advertising or offering to sell any goods or services, conducting contests or surveys, distributing chain letters, or advertising with respect to any Ponzi scheme or pyramid scheme; advertising or offering to sell any business opportunities, direct sales opportunities, employment, independent contractor positions, multilevel marketing opportunities, or securities; (vii) post, send or otherwise disclose confidential information, trade secrets, or other confidential and/or protected proprietary data of any entity or person including, but not limited to, the Alliance for Lifetime Income or any of its affiliates; (viii) download or upload files that you know, or reasonably should know, cannot be legally distributed through the Site; (ix) upload, download, or otherwise export or re-export software from the Site: (1) to a national or resident of or into any country the U.S. has embargoed, including without limitation, Cuba, Iran, Iraq, Libya, North Korea, Syria or Yugoslavia or (2) to anyone on the U.S. Treasury Department’s Specially Designated Nationals list; (x) monitor or copy any content on this Site by using any manual process or any robot, spider or other automatic device without first obtaining the Alliance for Lifetime Income’s prior written consent; (xi) take any action that will or could impose an unreasonable or disproportionately large load on the Site infrastructure; or (xii) engage in any other conduct that is, or that the Alliance for Lifetime Income deems to be, in conflict with this Agreement.

Confidentiality of Your Communications

Except as required by Applicable Law and in accordance with the Alliance for Lifetime Income Privacy Statement, Alliance for Lifetime Income will implement safeguards to maintain the confidentiality of all user communications which contain personal information and which are transmitted directly to Alliance for Lifetime Income through the Site. Postings by a user on any message board or in any chat room will not be protected as confidential and Alliance for Lifetime Income may use and provide information contained in any such postings (including any ideas, concepts, know-how or other intellectual property) to its member companies, or any of its subsidiaries and affiliates, for any purpose whatsoever and as deemed appropriate by the Alliance for Lifetime Income. For quality assurance purposes, the Alliance for Lifetime Income may monitor, record and/or transcribe the contents of any of your communications with the Alliance for Lifetime Income. By contacting the Alliance for Lifetime Income, you agree that the communication may be monitored, recorded and/or transcribed, and you consent to the monitoring, recording and/or transcribing. Such records may be kept indefinitely or disposed of at our discretion. You agree that when you provide any communications with the Alliance for Lifetime Income (whether directly or via email, the Site or otherwise), the information contained therein will be accurate and under no circumstances will you provide false or misleading information.

Intellectual Property

All names, logos, trademarks, service marks, trade dress and marks (collectively, “Trademarks”) appearing in this Site, except as otherwise noted, are the registered and unregistered trademarks of the Alliance for Lifetime Income and are owned or used under license by the Alliance for Lifetime Income. The use or misuse of these Trademarks or any other content on this Site is strictly prohibited.

The Alliance for Lifetime Income retains all copyrights and all other intellectual property rights to the information, articles, data, images, screens, text and all other materials provided by the Alliance for Lifetime Income through this Site. Unless otherwise noted, please assume that everything you see or read on the Site is copyrighted to, or used with permission by, the Alliance for Lifetime Income. Nothing on the Site shall be construed to confer any grant or license of any intellectual property rights, whether by estoppel, by implication or otherwise. Subject to the following conditions, we invite you to use and distribute copies of these documents subject to the following:

• Please restrict duplication to informational purposes only, because these documents may not be sold or redistributed for commercial gain.
• The notice “Copyright © Alliance for Lifetime Income. All rights reserved.” must appear on every copy of the documents or any portion thereof.
• The Trademarks of Alliance for Lifetime Income and its subsidiaries and affiliates may not be altered or used in advertising or publicity releases without specific, prior written permission for each intended use.

Linked Sites

The Alliance for Lifetime Income is not responsible for the content of any sites linked to this Site (including any information, products or services obtained on such other sites) unless such linked site is owned or maintained by the Alliance for Lifetime Income. The fact that another site is linked to this Site does not imply that: (a) the Alliance for Lifetime Income sponsors, licenses, endorses, is affiliated with or is otherwise connected to the site, the information, products or services described therein or its owner; or (b) the Alliance for Lifetime Income has authorized the linked site to use any Trademark or other trademarked or copyrighted material of the Alliance for Lifetime Income. The Alliance for Lifetime Income will not be liable for any damages arising from your access to such sites, and you assume sole responsibility for using links or pointers to third parties. The Alliance for Lifetime Income denies you permission to hyperlink or provide references to the Site unless you are allowed to do so under a separate written agreement with the Alliance for Lifetime Income. The Alliance for Lifetime Income bears no responsibility for sites that provide hyperlinks or references to the Site unless those sites are operated by the Alliance for Lifetime Income.

Linked websites may contain confidentiality provisions that differ from the provisions provided herein. The Alliance for Lifetime Income is not responsible for such provisions and expressly disclaims any and all liability related to such provisions.

Submissions

The Alliance for Lifetime Income does not accept submissions through this Site unless explicitly requested; therefore, please do not make any submissions to the Alliance for Lifetime Income through this Site or otherwise. While the Alliance for Lifetime Income welcomes comments or suggestions regarding our products and/or services, the Alliance for Lifetime Income cannot make any guarantee that it will respond to any message. The Alliance for Lifetime Income does not wish to receive any unsolicited ideas, comments, suggestions, materials, proposals or information (“Unsolicited Material”). If you transmit or send any Unsolicited Material to the Alliance for Lifetime Income, via the Site, email or other means, the Alliance for Lifetime Income will consider such Unsolicited Material to be nonconfidential and nonproprietary, and the Alliance for Lifetime Income will have no obligations with respect to any Unsolicited Material. From time to time, the Alliance for Lifetime Income may allow you to provide feedback (“Feedback”) to the Alliance for Lifetime Income. If you do provide any Feedback, the Alliance for Lifetime Income will consider such Feedback to be nonconfidential and nonproprietary. The Alliance for Lifetime Income is free to use, without compensation of any kind, any Unsolicited Materials or Feedback in any manner and for any purpose whatsoever including, but not limited to, developing, manufacturing and marketing products or services incorporating or based on such Unsolicited Material or Feedback, in each case, without any obligation to compensate you for such use. The Alliance for Lifetime Income shall not be responsible for the similarity of any of its content in any media to Unsolicited Materials or Feedback transmitted.

Disclaimer

The Alliance for Lifetime Income reserves the right to make changes in the programs, policies, products and services described in this Site at any time without notice. YOU USE THE SITE AT YOUR OWN RISK. INFORMATION, TEXT, GRAPHICS, IMAGES AND LINKS ON OTHER ITEMS CONTAINED ON THIS SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, REPRESENTATIONS OR WARRANTIES AS TO ACCURACY, RELIABILITY OR COMPLETENESS; THE IMPLIED WARRANTIES OF PRIVACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE; OR NON-INFRINGEMENT. THE ALLIANCE FOR LIFETIME INCOME DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN TEXT, GRAPHICS, IMAGES, LINKS, OR OTHER ITEMS OR MATERIALS ON THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

IN NO EVENT SHALL THE ALLIANCE FOR LIFETIME INCOME OR ITS AFFILIATES BE LIABLE FOR ANY DAMAGES (WHETHER CONSEQUENTIAL, DIRECT, INCIDENTAL, INDIRECT, PUNITIVE, SPECIAL OR OTHERWISE) ARISING OUT OF, OR IN ANY WAY CONNECTED WITH: (I) THE USE OF OR INABILITY TO USE THE SITE OR ANY OF THE CONTENT OBTAINED THROUGH OR OTHERWISE IN CONNECTION WITH THE SITE, (II) FOR THE INTERPRETATION OF THE CONTENT CONTAINED ON THE SITE, OR (III) A THIRD PARTY’S UNAUTHORIZED ACCESS TO YOUR INFORMATION; IN EACH CASE REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, STRICT LIABILITY, TORT OR OTHER THEORIES OF LIABILITY, AND ALSO REGARDLESS OF WHETHER THE ALLIANCE FOR LIFETIME INCOME OR ITS AFFILIATES WERE GIVEN ACTUAL OR CONSTRUCTIVE NOTICE THAT DAMAGES WERE POSSIBLE. In exchange for using this Site, you agree to hold the Alliance for Lifetime Income and its affiliates harmless against any claims for damages arising from any decisions that you make based on such information.

Limitations of Liability

Under no circumstances including, but not limited to, negligence, shall the Alliance for Lifetime Income or its affiliates be liable for any incidental, indirect, special, punitive, exemplary, consequential or similar damages (including loss of data, revenue, profits or use) that result from the use of, or the inability to use, the Site or any content contained or obtained through this Site, even if the Alliance for Lifetime Income or an Alliance for Lifetime Income authorized representative has been advised of the possibility of such damages. Applicable Law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall the Alliance for Lifetime Income’s total liability to you for all damages, losses and causes of action (whether in contract, tort or otherwise) exceed the amount paid by you, if any, for accessing this Site.

Your Representations, Warranties and Indemnities

By using the Site, you represent and warrant to the Alliance for Lifetime Income that you: (i) possess the legal right and ability to enter into these Terms of Use; (ii) will use the Site in accordance with all of the terms and conditions herein; (iii) accept responsibility for all assessments, charges, duties, fees, taxes and other financial responsibility arising out of your use of the Site; and (iv) will not assign, transfer or sublicense your rights pursuant to this Agreement.

Unless prohibited by Applicable Law, you agree to indemnify, hold harmless and, at the Alliance for Lifetime Income’s option, defend the Alliance for Lifetime Income and its affiliates from and against any and all claims, demands, proceedings, suits and actions, including any related liabilities, obligations, losses, damages, deficiencies, penalties, taxes, levies, fines, judgments, settlements, expenses (including legal and accountants’ fees and disbursements) and costs (collectively, “Claims”), based on, arising out of or resulting from your use of the Site, including without limitation any Claims alleging facts that, if true, would constitute your breach of this Agreement.

Changes to Terms of Use

The Alliance for Lifetime Income reserves the right to revise these Terms of Use at any time, and you are deemed to be apprised of and bound by any changes to these Terms of Use.

Violations of Terms of Use

The Alliance for Lifetime Income reserves the right to seek all remedies available at law and in equity for violations of these Terms of Use, including the right to block access to the Site.

Additional Terms

These Terms of Use constitute the entire agreement governing your access to, dealings with and use of the Site. Separate agreements may attach to any goods, products or services you obtain, purchase or use from the Site. In the case of a conflict between this Agreement and any agreement specific to any goods, products or services that you obtain, purchase or use from the Site, the terms of the specific agreement shall govern solely to the extent of such conflict.

Any failure of the Alliance for Lifetime Income to assert any rights it may have under this Agreement does not constitute a waiver of its right to assert the same or any other right at any other time or against any other person or entity. If any provision of these Terms of Use is found to be invalid or unenforceable, then the invalid or unenforceable provision will be stricken from these Terms of Use without affecting the validity or enforceability of any other provision.

Jurisdiction/Governing Law

You agree that these Terms of Use shall be governed by, construed and enforced in accordance with the laws of the District of Columbia, USA, as it is applied to agreements entered into and to be performed entirely within the District of Columbia and applicable federal law without regard to conflict of laws principles. Any action you bring to enforce this agreement or any matters related to the Site shall be brought in either the District or Federal Courts located in the District of Columbia. If any provision of these Terms of Use is void or unenforceable in whole or in part, the remaining provisions shall not be affected.

USE OF THIS SITE SIGNIFIES YOUR ACCEPTANCE OF THESE TERMS OF USE.