Terms of Service
Effective Date: March 1, 2019
Thank you for visiting our site! Livelihood Life, Inc. ( “Livelihood Life,” “we,” “us,” or “our”) is an online producer/broker of life and health insurance products and services. These Terms of Service govern your access to and use of our website, including any features and services available on our site (collectively, “Website,” “Site,” or “Services”).
By visiting or using the Website, you agree to and accept (1) these terms and conditions (“Terms of Service”) and (2) our privacy notice. If you do not agree to any of these terms or our privacy notice, please do not use the Site.
Your Use of the Website - General Conditions
Livelihood Life hereby grants you permission to access and use the Website as set forth in these Terms of Service, provided that:
You access and use the Website in strict compliance with these Terms of Service.
You agree not to alter or modify any part of the Website.
You agree not to access Website content through any technology or any unauthorized means other than user interaction expressly invited on the Website itself.
You agree not use the Website to violate the legal rights (including the rights of publicity and privacy) of others or to violate the laws of any jurisdiction.
You agree not to misrepresent an affiliation with any person or organization.
You agree not to restrict or inhibit use of the Website by others or engage in any other conduct that restricts or inhibits an individual’s use or enjoyment of the Website, or which, as determined by Livelihood Life, may harm Livelihood Life or users of the Livelihood Life Website or expose them to liability.
You agree not to use or launch any automated system, including without limitation, “robots,” “spiders,” or “offline readers,” that accesses the Website in a manner that sends more request messages to the Website servers in a given period of time than a human can reasonably produce in the same period by using a conventional on-line Web browser. Notwithstanding the foregoing, Livelihood Life grants the operators of public search engines permission to use spiders to copy materials from the site for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials. Livelihood Life reserves the right to revoke these exceptions either generally or in specific cases.
You agree not to collect or harvest any personally identifiable information, including account names, from the Website, nor to use the communication systems provided by the Website (for example, comments or email) for any commercial solicitation purposes. You agree not to solicit, for commercial purposes, any users of the Website.
In order to access some of our Website, you may be required to provide, or authorize access to, certain information about yourself (such as identification, contact details, etc.) as part of the registration process, or as part of your ability to use the Website. You agree that any information you provide will always be accurate, correct, and up to date.
You agree that you are responsible for maintaining the confidentiality of any login information associated with any account you use to access our Website. Accordingly, you are responsible for all activities that occur under your account(s). You may not share your password or establish an account for any other person.
You agree that you are responsible for whatever content you submit and you, not Livelihood Life , have full responsibility for such content, including its legality, reliability and appropriateness. By uploading or otherwise transmitting material to any area of the Website, you warrant that the material is your own or is in the public domain or otherwise free of proprietary or other restrictions and that you have the right to post it to the Livelihood Life Website. You grant to Livelihood Life the right to use all content you upload or otherwise transmit to the Livelihood Life Website in any manner Livelihood Life chooses, including, but not limited, to copying, displaying, performing or publishing it in any format whatsoever, modifying it, incorporating it into other material or making a derivative work based on it.
You agree that you will not use the Website if you are under 18.
Livelihood Life reserves the right to discontinue any aspect of the Website at any time.
Your Use of Content on the Site
In addition to the general conditions above, the following restrictions and conditions apply specifically to your use of content on the Website.
The content on the Website, including without limitation, the text, software, scripts, graphics, photos, sounds, music, videos, interactive features and the like (“Content”) and the trademarks, service marks and logos contained therein (“Marks”), are owned by or licensed to Livelihood Life , subject to copyright and other intellectual property rights under the law.
You agree not to engage in the use, copying, or distribution of any of the Content other than as expressly permitted herein, including any use, copying, or distribution content obtained through the Website for any commercial purposes. You further agree not create derivative works from any Content.
Use of the Website or Content for any purpose not expressly permitted by these Terms of Service is strictly prohibited. Livelihood Life reserves all rights not expressly granted in and to the Content.
Special Provisions Applicable to Software
If you download or use any software provided by Livelihood Life , such as a stand-alone software product, an app, or a browser plugin, you agree that from time to time, the software may download and install upgrades, updates and additional features from us in order to improve, enhance, and further develop the software.
You will not modify, create derivative works of, decompile, or otherwise attempt to extract source code from us, unless you are expressly permitted to do so under an open source license, or we give you express written permission.
The owner of this Website is licensed as an insurance producer in the states listed under licenses. Livelihood Life makes no representation that the products and services on this Website are appropriate or available for use outside of the states listed. If you access this Website from other locations, you hereby acknowledge and agree that you are viewing the products and services on this Website for general informational purposes only.
Insurance Quotes and Coverages
All pricing and quotes generated on this Website are based on information you provided on the Site, as well as, in some cases, information we obtain from third parties. Quotes or pricing do not constitute a contract or an invitation to contract, or a binder or agreement to extend, continue or renew insurance coverage for any party. The coverage descriptions provided on this Website are general descriptions of potentially available insurance coverage products and services and are not a statement of contract or an invitation to contract. In order to arrange for insurance coverage described on this Website, you must complete all of the steps on the Site through the final application through this Website or otherwise. Applications are subject to underwriting review and approval.
Insurance Products. Eligible individuals may apply for Insurance Policies through the Service. Insurance Policies are only available to persons in jurisdictions where such Insurance Policies may legally be sold. By applying for insurance products through the Site, you (a) agree to designate us as your agent of record, (b) authorize us to communicate such designation to any insurance carrier and any other person or entity we determine should be so advised, and (c) permit us to receive any compensation that any insurance carrier agrees to pay to us in connection with your purchase of any Insurance Policy. With respect to any Insurance Policy, if any term or condition of this ToU differs from the terms and conditions of the Insurance Policy, the Insurance Policy’s provisions will control. Livelihood Life's Insurance Policies are underwritten and issued by Sagicor Life Insurance and offered through the Service.
Product information and descriptions provided through the Service are not intended to be complete descriptions of all policy terms, exclusions and conditions. If you obtain an Insurance Policy through the Service, please refer to your actual Insurance Policy for complete details of coverage and payment requirements. Your Insurance Policy will contain a payment schedule that will provide information regarding your premiums. Approval of your application is not guaranteed and is subject to acceptance by Sagicor Life based upon its underwriting guidelines and your personal history. Livelihood Life is a licensed insurance agency. Please visit our Licenses page for information on the insurance-related licenses we hold. Policies purchased on this site are administered by Livelihood Life. In the event we are unable to resolve any complaint you may have, you may report the complaint to the insurance regulator in your state. Contact information for state insurance regulators in the United States may be found at www.naic.org. Livelihood Life does not provide any legal, regulatory, accounting, or tax advice, and you must rely upon your own advisors before making any financial decision.
If you buy a policy on or through the Website, you acknowledge and agree that you have reviewed the information included in your application and you confirm it is correct. By purchasing a policy on or through the Website, you agree that you are entering into a binding agreement with Livelihood Solutions, Inc. d/b/a Livelihood Life and the underwriter issuing the respective policy.
We reserve the right to change these Terms of Service from time to time. You acknowledge and agree that it is your responsibility to review these Terms of Service periodically to familiarize yourself with any modifications. If we make a material modification to these Terms of Service, we will provide you with reasonable notice of such changes (for example, by including a banner on our Site or sending you an email). Your continued use of this Site after being notified of such modifications will constitute acknowledgment and agreement of the modified terms and conditions. Obligations and rights provided for under the terms of insurance policies bound through use of the Website can only be modified under the terms of such insurance policies, as applicable.
You agree that we may, at our sole discretion, suspend or terminate your access to all or part of our Website with or without notice and for any reason, including, without limitation, breach of these Terms of Service. Any suspected illegal, fraudulent or abusive activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities. Upon suspension or termination of your account, your right to use the Website will immediately cease, and we reserve the right to remove or delete any information that you may have on file with us, including any account or login information.
You will resolve any claim, cause of action, or dispute (claim) you have with us arising out of or relating to these Terms of Service exclusively in the United States District Court for the District of Oregon or state court located in Portland in the State of Oregon, and you agree to submit to the personal jurisdiction of such courts for the purpose of litigating all such claims. The laws of the State of Oregon will govern these Terms, as well as any claim that might arise between you and us, without regard to conflict of law provisions.
If anyone brings a claim against us related to your actions or information on the Website, you will indemnify and hold us harmless from and against all damages, losses, and expenses of any kind (including reasonable legal fees and costs) related to such claim. Although we provide rules for user conduct, we do not control or direct users’ actions on the Website and are not responsible for the information users transmit or share on the Site.
WE TRY TO KEEP THE WEBSITE UP, BUG-FREE, AND SAFE, BUT YOU USE IT AT YOUR OWN RISK. WE ARE PROVIDING THE WEBSITE AS IS WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT THE WEBSITE WILL ALWAYS BE SAFE, SECURE OR ERROR-FREE OR THAT LIVELIHOOD LIFE WILL ALWAYS FUNCTION WITHOUT DISRUPTIONS, DELAYS OR IMPERFECTIONS. LIVELIHOOD LIFE IS NOT RESPONSIBLE FOR THE ACTIONS, INFORMATION, OR DATA OF THIRD PARTIES, AND YOU RELEASE US, OUR DIRECTORS, OFFICERS, EMPLOYEES, OWNERS, PARENT COMPANIES, SUBSIDIARIES, AFFILIATES AND AGENTS FROM ANY CLAIMS AND DAMAGES, KNOWN AND UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH ANY CLAIM YOU HAVE AGAINST ANY SUCH THIRD PARTIES. WE WILL NOT BE LIABLE TO YOU FOR ANY LOST PROFITS OR OTHER CONSEQUENTIAL, SPECIAL, INDIRECT, OR INCIDENTAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY ARISING OUT OF THIS AGREEMENT LIVELIHOOD LIFE WILL NOT EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU HAVE PAID US IN THE PAST TWELVE MONTHS. 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 SUCH CASES, LIVELIHOOD LIFE LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.
Waiver and Release
0If you are a resident in a jurisdiction that requires a specific statement regarding waiver and release then the following applies. For example, California residents must, as a condition of these Terms of Service, waive the applicability of California Civil Code Section 1542, which states: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.” You hereby waive this section of the California Civil Code and any similar provision in law, regulation or code that has the same effect or intent as the foregoing release.
Other Terms and Conditions
These Terms of Service, and any other written agreements entered into by Livelihood Life and you pursuant to activities engaged in as a result of use of the Website, make up the entire agreement between the parties regarding the Site and your use of the Site, and supersedes any prior agreements. If any portion of these Terms of Service is found to be unenforceable, the remaining portion will remain in full force and effect. If we fail to enforce any of these Terms of Service, it will not be considered a waiver. Any amendment to or waiver of these Terms of Service must be made in writing and signed by Livelihood Life. You will not transfer any of your rights or obligations under these Terms of Service to anyone else without our consent. All of our rights and obligations under these Terms of Service are freely assignable by us in connection with a merger, acquisition, or sale of assets, or by operation of law or otherwise. Nothing in these Terms of Service shall prevent us from complying with the law. These Terms of Service do not confer any third-party beneficiary rights. We reserve all rights not expressly granted to you. You will comply with all applicable laws when using or accessing the Website.
AGREEMENT TO CONDUCT ELECTRONIC TRANSACTIONS
You agree that all Communications from us relating to the products and services, including insurance products, offered through the Site may be provided or made available to you electronically by e-mail or at the Site. You further agree that we may accept an electronic signature from you, and that this electronic signature will have the same effect as a physical wet signature and will appear on all records related to the provision of any such products and services. Your consent also applies to all Communications and information that we receive from you. Your consent is voluntary and, if you consent, you still have the right to receive a free paper copy of any Communication by contacting us in the manner described below.
Electronic Signature Use. “You” and “your” in this paragraph refer to the Proposed Owner and Insured if different under this application process. Your consent to the use of electronic processing allows Livelihood Life (“the Company”) to accept and sign an electronic signature on your behalf. This electronic signature will have the same effect as a physical wet signature associated with paper application processing and will appear on all Company records if you decide to continue the process and if made an offer to the purchase of the insurance (The Policy). Your con sen t also permits the gen era l use of electronic records and electronic signatures in connection with your application and the Policy applied for . T he Company is leg ally required to provide you with certain disclosures and information about your insurance application (“Required Information”). By giving your consent, the Company can deliver t his Required In formation to you electronically. You may change your mind and withdraw you r consent for electronic delivery or e-signature at anytime. If you withdraw your consent prior to electronic delivery of the Policy, t he Company can no t continue to process your application. Y our con sen t applies to all Required Information that the Com pan y gives you, or information that the Com pan y receives from you, a bout your insurance application and the notices, disclosures, and other documents. To withdraw your consent to do business electronically, send a written notice by e-‐mail ( email@example.com) If a policy is issue d and yo u withdraw your consent, you may be charged for paper copies for any information you request
To access and retain Communications, you must:
Have access to a computer capable of running a current Internet browser;
Have access to Internet service and an e-mail account that can be used to receive and access all Communications;
Be able to view all Communications on a monitor through the use of Adobe Reader or similar software and be able to print all such Communications; and
Be able to send and receive e-mails that contain hyperlinks to websites.
If you are accessing the Site electronically through a mobile device, such as a tablet, smartphone or similar device, you must be able to print and save the transmitted Communications. You can find apps that support printing and saving for most mobile devices through your mobile device’s app store. If your mobile device does not have this functionality, you must access the Site through alternate means that provide you with the ability to print and save the Communications. You acknowledge that you can access the electronic Communications in the designated formats described herein.
Contact Livelihood Life
If you have any questions or comments regarding these Terms of Service or Livelihood Life Website, please contact us at:
511 Avenue of the Americas #4084
New York, NY 10011