Website Purpose and Company Services. The content on the Website is for informational, educational and illustrative purposes only and may not be intended for consumers in every state. In addition, please review our licensing page for further details or contact us with any questions as LSNW services may not be available in all states.
Policy Website Qualification Form. LSNW’s Website Settlement Qualification Tool (“Qualification Tool”) and any and all corresponding conclusions shall be used for informational, illustrative and educational purposes only. No representation or warranty, expressed or implied, is made as to the accuracy, reliability or completeness of the results of the Qualification Tool or any assumption on which any conclusion is based. The Qualification Tool is an initial, simplified, automated proprietary analysis that is based upon the experience and industry knowledge of LSNW – it is not a contract, prediction of offers, offer to purchase a policy, or a solicitation to buy or to sell a security. Accurate age, health and policy information is required to yield the most beneficial results and it is recommended to contact LSNW to discuss and determine the applicability, if any, of such results. The Qualification Tool is not intended to replace the submission of a policy to the market and actual contingent offers received may be more or less favorable than those indicated. LSNW is not liable for any action or inaction taken by any party who is relying on the results of the Qualification Tool to determine his/its decisions. All parties accessing the Website and who receive results from the Qualification Tool assume full responsibility of its use; any loss or damage suffered as a result of reliance, in any capacity, on such results is the full responsibility of the parties accessing the Qualification Tool.
No Representation, Liability or Advice; Other Considerations. LSNW issues no representation or warranty about the suitability or completeness of the information contained on the Website and any corresponding conclusion or calculation derived thereof – all information, including the results of the Qualification Tool, is provided “as is” and may contain technical inaccuracies and/or typographical errors. You assume full responsibility for any loss or damage, including without limitation special, indirect or consequential, suffered as a result of reliance on any such information and LSNW is not liable for any action or inaction taken by you to determine your decisions. LSNW disclaims all warranties and conditions of any kind regarding such information, including all implied warranties and conditions of merchantability and fitness for a particular purpose – nothing on this Website creates an express or implied contract. No case study, analysis, valuation or recommendation related to any life insurance policy can replace the actual submission of such policy to the market. LSNW issues no representation or warranty as to whether a particular policy or structured settlement will generate any contingent settlement offers or ultimately be sold. In addition, LSNW does not purchase policies, is under no obligation to ultimately find a buyer of the owner’s policy or structured settlement and is not responsible for any breach committed by a buyer if one is identified. Furthermore, LSNW does not provide any advice regarding whether or not to proceed with the life, viatical, or structured settlement transaction – the owner shall reach his/its own decision and is free to accept or decline any contingent offer. Once the viatical, life, or structured settlement transaction is completed and the applicable rescission period has ended, the owner, insured and any beneficiaries previously designated by the owner have no right to the death benefit of the applicable life insurance policy or policies that have been sold, unless stated otherwise in the viatical or life settlement contract. LSNW is not providing any financial, legal, tax, investment, securities or accounting advice whatsoever and such advice should be obtained from the appropriate parties to determine, in part, any impact to estate plans, tax returns, government benefits and entitlements, availability and cost of other or replacement insurance and whether selling the existing life insurance policy or structured settlement is more beneficial than other potentially available options.
Additional Limitations. The policy owner, and not LSNW , is fully responsible for the timely payment of any and all premiums due for the policy that is the subject of the viatical or life settlement transaction, on the applicable due dates, up until change of ownership of the policy occurs. The policy owner, not LSNW, assumes sole responsibility if the policy lapses for such lack of timely payment of any and all premiums. In addition, LSNW is not a life expectancy provider or firm that produces life expectancy reports; does not determine life expectancies; is not a medical or mortality expert; does not provide mortality or medical reviews; does not evaluate the health of the insured; is not responsible for the conclusions of life expectancy providers and/or firms that produce life expectancy reports; and does not have the expertise to dispute the conclusions of life expectancy providers and/or firms that produce life expectancy reports. The insured may live longer or shorter than any life expectancy projection or estimate.
Success Stories and Missed Opportunities (Stories). Stories are based on the internal files of actual viatical and/or life, and/or structured settlement transactions and client interactions conducted by LSNW, Tradewinds Settlements, or other affiliated settlement brokers. All transaction data, dollar amounts and health conditions are accurate to the best of our knowledge. The specific characteristics of each case, including but not limited to the names and images of our clients, have been changed to protect their privacy. Stories are not contracts, predictions of offers, offers to purchase a policy or solicitations to buy or sell a security. Please be advised that past performance is not indicative of future results as each case is different. Actual viatical/life settlement market bidding results may be more or less favorable than those indicated and nothing is intended to replace the actual submission of a policy to the market. Market conditions and offers vary and you are advised to seek the services of an experienced life settlement brokers like LSNW and the International Life and Structured Settlement Exchange (ILSSE) to ensure that fair market values are obtained
Rights Reserved. Any rights not expressly granted herein are reserved by LSNW. In addition, LSNW reserves the right to change the terms of service at any time and from time to time by revising these terms and conditions. You are responsible for regularly reviewing these terms.
Personal Information Collection: LSNW collects personal information in connection with the following activities: Life, viatical, and structured settlements, loans, life insurance coverage, marketing/advertising and financial products and services. Such data may be collected electronically and/or in writing from you, insurance carriers, and healthcare providers. We classify information in three categories; basic personal information, financial information and protected health information. Information from your insurance carriers may only be requested with your executed “Insurance Authorization. Protected health information may only be obtained from healthcare providers with your completed “HIPAA Disclosure Authorization” pursuant to the Health Insurance Portability and Accountability Act of 1996 (the “HIPAA Privacy Regulations).
Personal Identifiable Information is any information that can be used to identify and locate a particular person or entity. This includes basic personal, financial and protected health information. Basic Personal Information includes, but is not limited to: personal name, company name, mailing address, telephone number, mobile number, fax number, email address, date of birth, sex, marital status, personal preferences and interests. Financial information includes, but is not limited to social security number, federal employer identification number, insurance information, income, and legal matters. Protected health information includes, but is not limited to: medications, physical or mental condition(s), including psychiatric conditions, information relating to HIV or AIDS tests, and drug or alcohol abuse.
Non-personally Identifiable includes the type of browser you are using (e.g. Firefox, Internet Explorer, Chrome, Safari, etc.), the type of operating system you are using, (e.g. Windows 8 or Mac OS, etc.) and the domain name of your internet service provider (e.g. Comcast, Windstream, Yahoo, Gmail, etc.). We use the Non-Personally Identifiable information that we collect to improve the design and content of the Website and to enable us to personalize your LSNW related internet experience. We also may use this information in the aggregate to analyze Website usage.
Discretion to Use Information: LSNW may use personal information for any legally permissible purpose in company’s sole discretion including, but not limited to providing promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, online banner advertising, and package stuffers, among other possible uses (see below for details). LSNW may change or broaden its use at any time.
- Email – LSNW uses Personal Information to provide promotional offers by email to individuals. LSNW may maintain separate email lists for different purposes. If email recipients wish to end their email subscription from a particular list, they need to follow the instructions at the end of each email message to unsubscribe from the particular list. To unsubscribe from all LSNW email lists, you must send an email to email@example.com.
- Content of Email Messages – In certain commercial email messages sent by LSNW, an advertiser’s name will appear in the From: line but hitting the Reply button will cause a reply email to be sent to LSNW. The Subject: line of LSNW email messages will usually contain a line provided by the advertiser to LSNW.
- Solicited Mail – LSNW only sends email to individuals who have agreed on the Website to receive email from LSNW or to individuals who have agreed on Third Party websites to receive email from Third Parties such as LSNW.
- Targeted Advertising – LSNW uses Personal Information to target advertising to an individual. When an individual is using the internet, LSNW uses Technology Information (see below) to associate an individual with a person’s individual information, and LSNW attempts to show advertising for products and services in which the person has expressed an interest in the Surveys, indicated an interest by means of Technology Information, and otherwise. LSNW may, at its discretion, target advertising by using email, direct mail, telephones, cell phones, and other means of communication to provide promotional offers.
- Direct Mail and Telemarketing – LSNW uses Personal Information to advertise directly or indirectly, to individuals using direct mail marketing or telemarketing using telephones and cell phones.
- Mobile Phone SMS Messages – In certain cases, when requested by an individual, a Third Party may use Personal Information to provide customized content and advertising via SMS messaging to an individuals’ cell phone. LSNW is not responsible for the privacy practices or the content of such Third Parties.
- Use of Technology Information – LSNW uses Technology Information (1) to match a person’s Survey Information and Third Party List information to other categories of Personal Information to make and improve profiles of individuals, (2) to track a person’s online browsing habits on the internet, (3) to determine which areas of LSNW web sites are most frequently visited. This information helps LSNW to better understand the online habits of individuals so that LSNW can target advertising and promotions to them.
- Profiles of Individuals – LSNW uses Personal Information to build a profile of an individual. A profile can be created by combining Survey Information and Third Party List information with other sources of Personal Information such as information obtained from public databases.
Sale or Transfer to Third Parties: LSNW may sell or transfer Personal Information to Third Parties for any legally permissible purpose in LSNW sole discretion, with the exception of Protected Health Information. If you believe that any information we are holding on you is incorrect or incomplete, please write to LSNW as soon as possible at firstname.lastname@example.org. We will promptly correct any information found to be incorrect.
Security: LSNW is committed to ensuring that your information is secure. In order to prevent unauthorized access, loss, misuse, or alteration, all information is stored in a technically and physically secure environment. Notwithstanding such measures, LSNW cannot guarantee that is security measures will prevent LSNW computers from being illegally accessed, and the Personal Information on them stolen or altered. As a result, while we strive to protect your Personal Information, we cannot ensure or warrant the security of any information that you transmit to us, and you do so at your own risk. Only those who need the information in connection with our services are granted access to Personal Information. Furthermore, access to this information is strictly limited, and not accessible to the public. Our employees and independent contractors are dedicated to ensuring the security and privacy of all user information; as such those not adhering to our firm policies are subject to disciplinary and/or legal action.
Please note that any attempt to breach the security or our servers, databases or other hardware or software supporting the Website or other websites under the control of LSNW constitutes a crime punishable by law. We will turn over to the authorities, any and all evidence relating to a potential breach of security or other abuse against the network, servers, databases or other such supporting equipment or software. In compliance with applicable federal and state laws, we shall notify you in the event that we learn of an information security breach with respect to your Personally Identifiable Information. You will be notified via email in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of the network damage, and to engage in remedial measures.
No Information Collected From Children: We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children. LSNW will never knowingly collect any personal information about children under the age of eighteen (18) years old. If LSNW obtains actual knowledge that it has collected personal information about a child under the age of eighteen (18) years old, that information will be immediately deleted from its database. Because it does not collect such information, LSNW has no such information to use or to disclose to third parties. LSNW has designed this policy in order to comply with the Children’s Privacy Protection Act (“COPPA”).
Unsubscribing, Deleting and Updating Your Information: If you would like to delete or update your Personal Information that we have collected from you, or if you no longer wish to continue to receive email, please send an email to email@example.com. We will process your request, where possible and subject to the terms and conditions herein, within a reasonable period of time after receipt. To protect your privacy and security, we will take reasonable steps to help verify your identify before granting access or making corrections.
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