Terms & Conditions
The American Life Fund’s website is only for the purpose of gathering information and evaluating and qualifying life insurance policies. American Life Fund is a marketing agency. It is not a life settlement provider or broker. Qualified policies will be referred to one or more licensed entities by American Life Fund. It is void outside the United States and where otherwise prohibited by law
The Life Settlement Calculator is a tool designed to assist American Life Fund in the evaluation and qualification of life insurance policies. It is not meant to be a bid or an actual offer to acquire a life insurance policy. The use of the Life Settlement Calculator tool does not ensure that any life settlement provider will or will not make an offer to purchase a policy. By clicking the Life Settlement Calculator button, you consent to American Life Fund sending your information to qualified parties, including by phone, in order to contact you. The Policy Appraisal/Website Qualification Form and any and all related conclusions should be utilized for informative, illustrative, and educational purposes only. No representation or warranty is made regarding the accuracy.
The following terms and conditions apply to your use of this website. You agree to be bound by these terms and conditions when you visit this website. If you do not accept these terms end, you are not permitted to use this website.
To use this website, you must be at least 18 years old. You hereby confirm and guarantee that you are at least 18 years of age by using this website [and agreeing to these terms and conditions].
License to use website
The American Life Fund owns the intellectual property rights in the website and all material on the website unless otherwise stated. All of these intellectual property rights are reserved pending approval of this license.
You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.
You must not do:
- Republish material from this website;
- Delete, rent, or grant usage of items from the website;
- You may not display any material from the website in public.;
- This website may not be used to duplicate, reproduce, republish or re-use material for any commercial purpose.;
- You may not use any robot, spider, rover, scraper or other automated means to access the website for any purpose without our prior express written permission. You may not frame or utilize framing techniques to enclose any material from this website without our prior express written approval. [You are permitted to store information on YOUR computer and/or in YOUR cache.
You must not misuse this website in any fashion that may damage the site or cause it to become less accessible or available, or that is unlawful, unethical, fraudulent, or dangerous.
You may not use this website to copy, save, host, transmit, distribute, use, publish or sell any information that includes (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other harmful computer software.
You must not scrape, data mine, extract or harvest any data on or relating to this website without American Life Fund’s express written consent.
You are not permitted to use this website to transmit or distribute unsolicited commercial messages. You may not market products or services using this website without American Life Fund’s express written consent.
Access to certain areas of this website is restricted. American Life Fund reserves the right to restrict access to other areas of this website, or indeed this entire website, at American Life Fund’s discretion.
American Life Fund will not be responsible for any deletion, modification, or disclosure of your user ID and password if you provide it with a user ID and password to enable you to access restricted areas of this website or other content or services.
Without notice or explanation, American Life Fund may invalidate your user ID and password in its sole discretion.
In these terms and conditions, “your user-generated content” means material (including text, pictures, audio material, video material, and audio-visual material) that you submit to this website for whatever reason.
You hereby grant to American Life Fund a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to American Life Fund the right to sublicense these rights and the capacity to bring an action for breach of these rights
You must not post any material that is illegal or unlawful, infringes upon the legal rights of others, or is capable of giving rise to legal action against you (including American Life Fund) or a third party under any applicable law.
You must not submit any user-generated material to the website that has or has previously been the subject of any threatened or actual legal actions, complaints, or other similar claims.
The American Life Fund reserves the right to edit or delete any material posted on this website, as well as material stored on American Life Fund’s servers, hosted or published on this site.
American Life Fund makes no representations or commitments whatsoever regarding user content submitted to, or published on, this website.
This website is offered “as is” with no warranties or representations made. American Life Fund makes no claims or guarantees about this website or the information and materials it contains.
The preceding paragraph is for the purpose of illustrating a broad theme; it does not restrict the application of any other provision. Without restricting the generalization, American Life Fund does not promise that:
- This website may be temporarily or permanently out of service;
- All websites must have no technical problems that prevent them from being visited, and they must be able to display the information on this website.
Nothing on this website should be interpreted or considered to be, or to constitute, professional advice. If you have any questions regarding [any legal, financial, or medical] issue, you should seek assistance from a competent specialist.
Limitations of liability
The sponsors of the National American Life Fund will not be responsible to you (whether under the law of contact, the law of torts, or any other legislation) in relation to the materials on this website’s content, use, or otherwise connected with this site.:
- To the extent that the website is given away for free, with no charge for any direct loss;
- for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.
Even if American Life Fund has been informed of the risk, its liability to you is limited.
Nothing in this website disclaimer will be interpreted as excluding or limiting any warranty that it is not illegal to exclude or limit, and nothing in this website disclaimer will be interpreted as excluding or limiting American Life Fund’s liability in connection with any death or personal injury caused by its negligence, fraud or fraudulent misrepresentation, or anything else for which it would be unlawful.
You agree that the exclusions and limitations of liability set out in this website disclaimer are fair if you use this website. If you do not think they are adequate, you should not utilize this site.
You accept that, as a limited liability entity, American Life Fund has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against American Life Fund’s officers or employees in respect of any losses you suffer in connection with the website.
Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect American Life Fund’s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as American Life Fund.
This website disclaimer is intended to be a general summary of all provisions. If any provision of this website disclaimer is found to be unenforceable, that will not invalidate the enforceability of the other provisions.
You hereby indemnify American Life Fund and agree to keep American Life Fund indemnified against any losses, damages, costs, liabilities, and expenses (including but not limited to legal fees and any amounts paid by American Life Fund to a third party in settlement of a claim or dispute on the advice of American LifeFund’s legal advisers) incurred or suffered by American Life Fund arising out of any breach by you or any user of your account of these Terms, or arising out of the use by you or any user of your account of the Platform or American Life Fund Content.
Breaches of these terms and conditions
If you violate these terms and conditions in any way, American Life Fund has the right to take such action as it sees fit to address the breach, including restricting access to the website, prohibiting access to the website, blocking computers with your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
This page may be revised from time to time. If circumstances change, the terms and conditions on this website may be revised. These terms and conditions will apply to the revised terms and conditions. Please check back regularly for any updates or changes to these terms and conditions.
You may not transfer, subcontract, or otherwise deal with your rights and/or obligations under these terms and conditions.
If a provision of these terms and conditions is determined to be unlawful or unenforceable by a court or other competent authority, the rest of the provisions will remain in effect. If a part of any unlawful or unenforceable provision may be deleted and the remaining portion will be lawful or enforceable, it will be deemed to be deleted.
Law and jurisdiction
These provisions will be interpreted in accordance with the law and resolved by the courts.