The Lifeline Program

Applicability of Terms and Conditions

Use of this website and all products and services provided and/or distributed (whether via this website or elsewhere) by Wm. Page & Associates, Inc., d/b/a The Lifeline Program ("Lifeline") are subject to these terms and conditions.

About Information We Provide Through This Website

Wm. Page & Associates, Inc., d/b/a The Lifeline Program ("Lifeline"), provides the information on this website with the understanding that it is not intended as, and should not be used as, a substitute for consultation with professional accounting, tax, legal or other competent advisors. While we have attempted to ensure that the information contained in this website has been obtained from reliable sources, we are not responsible for any errors or omissions, or for the results obtained from the use of the information found on this website.

Disclaimer Regarding Certain Georgia Activity

Lifeline and its representatives may not offer for sale or sell securities and/or transact business in Georgia as a dealer, limited dealer, salesperson, limited salesperson, investment adviser, investment adviser representative, viatical issuer, dealer, salesperson, or agent unless registered, exempted from such registration, or not required to be registered under Georgia law.

About Links Found on This Website

This website may contain links and pointers to other World Wide Web sites and resources. Links to and from this website from or to other websites or locations maintained by third parties, do not constitute an endorsement by Lifeline of any such third party website or content. Lifeline is not responsible for the availability of these third party resources or their contents. You should direct any concerns regarding any external link to the website administrator or webmaster of the applicable third-party website or location.

Disclaimer of Warranties

A. USE OF THIS WEBSITE AND THE PRODUCTS AND SERVICES INCLUDED HEREIN AND THEREIN, ARE AT YOUR EXCLUSIVE RISK, AND THE RISK OF INJURY FROM THE FOREGOING RESTS EXCLUSIVELY WITH YOU.

B. LIFELINE MAKES NO REPRESENTATIONS ABOUT THE SUITABILITY OF THIS WEBSITE, OF THE CONTENT CONTAINED IN THIS WEBSITE, AND OF RELATED GRAPHICS PUBLISHED ON THIS SERVER FOR ANY PURPOSE, AND PROVIDES THAT WEBSITE, SUCH INFORMATION, AND THOSE GRAPHICS "AS IS" WITHOUT WARRANTY OF ANY KIND. LIFELINE AND ITS RESPECTIVE SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO SUCH INFORMATION, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

C. THE CONTENT AND RELATED GRAPHICS PUBLISHED ON THIS WEBSITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY MADE TO THE CONTENT OF THIS WEBSITE. LIFELINE AND ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE PRODUCT(S) AND/OR THE PROGRAM(S) DESCRIBED IN THIS WEBSITE AT ANY TIME WITHOUT FURTHER NOTICE.

D. IN NO EVENT SHALL LIFELINE BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL OR ANY OTHER DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA, OR PROFITS, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE FROM, THROUGH, OR IN CONNECTION WITH THIS WEBSITE.

Limitations on Liability

A. YOU ARE EXCLUSIVELY LIABLE FOR ANY AND ALL SUBMITTED CONTENT YOU TRANSMIT THROUGH THIS WEBSITE.

B. IN NO EVENT SHALL LIFELINE BE LIABLE FOR ANY BREACH IN TRANSACTION SECURITY CAUSED BY A THIRD PARTY ARISING OUT OF OR RELATING TO ANY ATTEMPT TO PURCHASE PRODUCTS OR SERVICES.

C. IN NO EVENT SHALL LIFELINE OR ANY VENDOR BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO USE OF OR INABILITY TO USE THIS WEBSITE, INCLUDING, BUT NOT LIMITED TO, ANY TRANSACTION FOR PRODUCTS OR SERVICES. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF LIFELINE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE LIABILITY OF LIFELINE IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW. THE MAXIMUM LIABILITY OF LIFELINE OR ANY VENDOR FOR ANY CLAIM ARISING OUT OF OR IN CONNECTION WITH THIS WEBSITE OR SERVICES DESCRIBED IN THIS WEBSITE IS $50.00.

D. IN NO EVENT SHALL LIFELINE BE LIABLE FOR ANY FAILURE, INTERRUPTION OR ERROR WITH RESPECT TO ANY ASPECT OF THIS WEBSITE, INCLUDING BUT NOT LIMITED TO THE AVAILABILITY OF ANY FEATURE OR FUNCTIONALITY.

Ownership and Use of Website Content

A. The content of this website is either owned by or licensed to Lifeline. The applicable owners and licensors retain all rights to that content, including, but not limited to all copyright, trademark and other proprietary rights. Except for personal viewing of the content of this website on any single computer for your personal, non-commercial home use, you must not reproduce, prepare derivative works based upon, distribute, use in any unauthorized manner, perform or display any of the content of this website without first obtaining the written permission of Lifeline, or use any content of this website in any manner not authorized by applicable law.

B. You must not use any content on this website to: (i) transmit, store, embed or otherwise make available any information or material that infringes any right of Lifeline or any third party, including, without limitation, copyright, trademark, patent, rights of privacy or publicity or any other proprietary right; (ii) transmit, store or otherwise make available material which disrupts this website, imposes an unreasonable or disproportionately large load on this website's infrastructure, or otherwise adversely affects, restricts or inhibits any other user from using and enjoying this website; (iii) transmit, store or otherwise make available material which is false, threatening, abusive, libelous, defamatory, obscene, vulgar, demeaning, offensive, pornographic, profane, sexually explicit, indecent, inappropriate, constitutes hate speech, or which adversely affects the business of Lifeline or is otherwise objectionable in the sole discretion of Lifeline; (iv) transmit, store or otherwise make available material which constitutes or encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law; (v) transmit, store or otherwise make available a virus, trojan horse, worm, time bomb, spyware, bot or other harmful or deleterious programming routine; (vi) transmit, store or otherwise make available material which contains any information, software or other material of a commercial nature; (vii) transmit, store or otherwise make available material which contains advertising, promotions, "junk mail," "spam," "pyramid schemes," "chain letters" or solicitation of any kind; (viii) transmit, store or otherwise make available material which constitutes or contains false or misleading indications of origin or statements of fact; (ix) exploit, harm, personally attack (personal attacks include, but are not limited to, defamatory, sexual and/or sexually implicit remarks) or impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity; (x) use or attempt to use another's information, account, password, service or system except as expressly permitted; (xi) solicit, collect, transmit, store or otherwise make available private information of any third party including, without limitation, telephone numbers, addresses, last names, email addresses, Social Security numbers, or credit card numbers; (xii) use automated scripts to collect information from or otherwise interact with this website; and (xii) transmit, store or otherwise make available material which is irrelevant to the subject matter of this website.

C. Third party text, photo, graphic, audio and/or video material, regardless of source, contained on or incorporated in this website shall not be published, broadcast, rewritten for broadcast or publication or redistributed directly or indirectly in any medium and may not be stored, in whole or in part, in or on a computer except for personal and non-commercial use. No third party provider will be held liable in any way to any website user or to any third party or to any other person who may receive information in connection with the content of this website or to any other person whatsoever, for any delays, inaccuracies, errors or omissions therefrom or in the transmission or delivery of all or any part thereof or for any damages arising from any of the foregoing or occasioned thereby.

D. Lifeline and its third-party providers do not monitor, endorse, edit or screen content that you submit through this website although Lifeline and its third-party providers reserve the right to do so, and neither Lifeline nor its third-party providers shall be liable for content that you submit through this website. You acknowledge that such content may be read, intercepted by others and widely accessible on the Internet and/or via other interactive media, and that you have no expectation of privacy with regard to any such submission. You acknowledge that by submitting content through this website that no confidential, fiduciary, contractually implied or other relationship is created between you and Lifeline or its third-party providers other than as expressly set forth in these Terms and Conditions. You acknowledge that Lifeline is not responsible for, and cannot and does not guarantee, the accuracy, completeness or reliability of information in any material that you post or submit through this website. You represent that content which you submit through this website is content with respect to which you have all necessary rights and submit such content to Lifeline pursuant to these Terms and Conditions. You further agree that you are solely liable for any and all costs, claims, demands, investigations, liabilities, losses, damages, judgments, settlements, costs and expenses, including attorneys' fees, connected to or arising from your breach of any representation or warranty, or other violation of these Terms and Conditions. If Lifeline determines, in its sole discretion and judgment, that content which you submit through this website violates, or may violate, these Terms and Conditions, Lifeline reserves the right to (a) refuse to allow you to upload information or otherwise transmit material; (b) remove and delete content which you submit through this website; (c) revoke your right to use this website and other Lifeline properties; and/or (d) use any technological, legal, operational or other means available to Lifeline to enforce these Terms and Conditions, including, without limitation, blocking specific IP addresses.

About Internet Connectivity

Services offered through, and usage of, this website are subject to transmission limitations of the Internet and, as applicable, wireless carriers, including, but not limited to, video and/or audio dropouts, rebuffering or loss of connection.

Indemnification

You hereby agree to indemnify and hold Lifeline harmless from all claims, liabilities, damages and expenses (including attorneys' fees and expenses) arising out of or relating to: (A) your use of this website, the products and/or services described in this website; or (B) any alleged breach of these Terms and Conditions by you.

Termination

Lifeline may, at any time and without liability or further notice, change, suspend or discontinue any aspect of this website at any time, including the availability of any product or service, and/or impose limits on certain offerings and features or restrict your access to parts, or the entirety, of the website.

Choice of Law; Jurisdiction; Attorneys' Fees

This Agreement will be governed by the laws of the State of Georgia applicable to contracts entered into and performed exclusively in that State. Any court of competent jurisdiction sitting within DeKalb County, Georgia will be the exclusive jurisdiction and venue for any dispute arising out of or relating to these Terms and Conditions. You hereby waive any argument that any such court does not have jurisdiction over you or such dispute or that venue in any such court is not appropriate or convenient. Lifeline will be entitled to recover its court costs and reasonable attorneys' fees and expenses incurred in successfully proving any breach by you of these Terms and Conditions.

Miscellaneous

These Terms and Conditions constitute the entire agreement between the parties, and supersede all prior written or oral agreements or communications with respect to the subject matters herein. Lifeline in its sole discretion may amend these Terms and Conditions, and your use of this website after such amendment is posted on this website will constitute acceptance of it by you. If any part of these Terms and Conditions is declared unlawful, void or for any reason unenforceable by any court of competent jurisdiction, then such term will be deemed severable from the remaining terms and will not affect the validity and enforceability of such remaining terms. Section headings appearing in these Terms and Conditions are for convenience only and shall not be given any legal import.

Notice for California Consumers and Residents

Under California Civil Code Section 1789.3, California users of this website are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

Service Marks

The Lifeline Program® is a registered service mark of Wm. Page & Associates, Inc.

Copyright Notice

Trademarks

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

Rights Reserved

Any rights not expressly granted herein are reserved. Lifeline reserves the right to change the terms of use at any time and from time to time by revising these terms and conditions. You are responsible for regularly reviewing these terms and conditions.

Privacy Policy; Changes to Privacy Policy

A. Lifeline takes the privacy of its clients' and potential clients' information very seriously. We are committed to maintaining the confidentiality of all personally identifiable information provided to us in connection with a transaction or a potential transaction. As used herein, the term "personally identifiable information" includes information that is not publically available and that can be linked to you as a specific individual, such as your name, address, phone number, e-mail address, social security number, driver's license number or date of birth. We insist that confidentiality of personally identifiable information remain of utmost importance throughout every step of the transaction process. Coventry will not use the personally identifiable information provided to us in ways unrelated to the ones described herein, unless it first lets you know and you do not object. Coventry does not distribute personally identifiable information to any third parties except as required or permitted by law. Coventry may compile and use in its business aggregated redacted information obtained from its transactions that does not contain any personally identifiable information.

B. Generally, you can visit our web site to learn more about us and the services we offer without registering, identifying yourself or providing personally identifiable information.

C. Within Lifeline, all personally identifiable information relating to a transaction is accessed only by those employees directly involved on that particular case and is only available on a need-to-know basis. In addition, all Lifeline employees are required to sign a confidentiality agreement upon employment with Lifeline. Personally identifiable information may be shared by Lifeline with unaffiliated companies that provide support services to Lifeline in connection with its life settlement services, but only to the extent necessary for Lifeline to properly conduct its business.

D. Lifeline is committed to ensuring the security of your personally identifiable information. To prevent unauthorized access or disclosure, maintain data accuracy, and ensure the appropriate use of personally identifiable information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect from you.

E. We may occasionally update the Privacy Policy appearing on this website. We encourage you to periodically review that Privacy Policy to stay informed about how we are protecting the personally identifiable information and other information we collect from you. Your continued use of this website constitutes your agreement to that Privacy Policy and any updates.