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.
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.
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.
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.
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.
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
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.