TERMS AND CONDITIONS
ACCEPTANCE OF TERMS
By accessing, downloading, or visiting Paying For Long-Term Care (“the Company”): whether or not you become a registered user (“User”), you signify your agreement to (1) these terms and conditions (the “Terms of Service”), (2) our privacy notices and policies, found on the website created and operated by Paying For Long-Term Care (the “Site”) and incorporated herein by this reference as though fully set forth here, (3) our Community Guidelines, and (4) our Services, all of which are found at the Site and incorporated herein by this reference. Collectively, these Terms of Service, the privacy notices and policies, Community Guidelines, and Services are also referred to and treated as Terms of Service. You acknowledge that you have read and understood all of these Terms of Service. If you do not agree to any of the Terms of Service, please do not use the Site or any services offered by Paying For Long-Term Care.
In your use of the Site and Services, you agree to comply with all applicable laws. In other words, you may NOT use the Site or Services for any unlawful, illegal or, in our judgment, immoral purpose. If we determine that you are violating any provision of the Terms of Service, we reserve the right to terminate and deny you access and use of the Site and Services.
Although we may attempt (but are not obligated) to notify you when changes are made to these Terms of Service, you should periodically review the most up-to-date version at the Site. You hereby agree to abide by and honor the most up-to-date version of the Terms of Service. By each use of the Site or Services, you agree to be bound by the latest version of these Terms of Service, privacy notices and policies, Community Guidelines, and Services. Company may, in its sole discretion, modify or revise these Terms of Service and policies at any time, and you agree to be bound by such modifications or revisions. Nothing in these Terms of Service shall be deemed to confer any rights or benefits on or for any third-party.
Disclaimer
Paying For Long-Term Care is for informational purposes only and is not a substitute for professional medical advice, examination, diagnosis or medical treatment. This site should not be used for diagnosing or treating a health problem or disease and is not a substitute for professional medical care. You should always seek medical advice from your doctor or other qualified health professionals before starting any new treatment or making any changes to an existing treatment. You should not delay in seeking or disregard medical advice based on information on this site.
This site is not a substitute for professional legal advice. The choice of a lawyer is an important decision and should not be based solely upon advertisements. Past results are no guarantee of future results. Every case is different and must be judged on its own merits. This site may be considered attorney advertising under the rules of some states.
This site is not a substitute for professional financial advice regarding investments, annuities, real estate transactions, purchasing health insurance, or long-term care insurance. Reading this site’s content or corresponding with its author does not create a fiduciary relationship or duty. All financial decisions, even supposedly conservative ones, involve some element of risk and should be considered carefully.
Paying For Long-Term Care does not exist to render and does not give legal, tax, real estate brokerage, economic or investment advice and disclaims all liability for the actions or inaction taken or not by you as a result of communications from or to our students, members, officers, directors, employees and contractors. Each individual should consult his/her own professional advisor(s).
Paying For Long-Term Care publishes educational information for senior care. Paying For Long-Term Care makes every effort to produce and publish the most current and accurate information possible. Paying For Long-Term Care, its officers, and the contributing members specifically disclaim any liability for loss or risk, personal or otherwise, which may be incurred as a consequence, directly or indirectly, of the use or application of any of the ideas, concepts, techniques, forms, documents or contents presented or implied on the Site or at meetings or other educational forums presented by Paying For Long-Term Care. By accessing or using the Site, you waive and release any claims against Paying For Long-Term Care, and its owners, students, members, managers, employees, and agents (“Releasees”) for any alleged damage resulting from the use or application of the ideas, concepts, techniques, forms, documents, or contents presented or implied on the Site or other educational forums including damage allegedly cause by the negligence of one or more of the Releasees.
YOUR ACCEPTANCE OF THESE TERMS OF USE
These Terms of Service apply to all users of the Site, whether or not you are a registered member. By using this Site, by viewing, visiting, using, or interacting with this Site or with any banner, pop-up, or advertising that appears on It, you are agreeing to comply with and be bound by these Terms of Service. If you do not agree to these Terms of Service, you may not access or use this Site, Services or Products. If you are under 18 years of age, you may only use this Site or the Products with the involvement of a parent or legal guardian.
YOUR ACCEPTANCE OF OUR PRIVACY POLICY
By agreeing to these Terms of Service, you are agreeing to all the provisions of these Terms of Service and the Privacy Policy on our Site. All personal information provided to us as a result of your use of this Site will be handled in accordance with our Privacy Policy.
YOUR ACCEPTANCE OF OUR IMAGE POLICY
The Company utilizes images for the promotion of products and services. In most cases, these images are public domain and allow the Company to use them in the promotion of products without obtaining the written consent of the owner. Images may include pictures, imagery, business listings, reviews and other items. Most images are granted a “Fair Use” license. Fair Use is defined by United States copyright law which allows the use of copyrighted work in certain ways without obtaining a license from the copyright holder.
The Company does not assert copyright or grant any rights to the underlying images provided through the Services. Any use of these images and descriptions is subject to the copyright owner’s permission and/or the requirements of applicable law.
While the Company makes every effort to ensure that images are accurate, it cannot accept responsibility for any errors and is not liable for any errors.
YOUR ACCEPTANCE OF OUR TESTIMONIAL POLICY
The Company utilizes testimonials for the promotion of products and services. In most cases, these testimonials are public domain or have been shared via email, video, text or social media and allow the Company to use them in the promotion of products without obtaining the written consent of the owner. Information including but not limited to first and last names, images, locations, businesses, stories may be shared. Most testimonials are granted a “Fair Use” license. Fair Use is defined by United States copyright law which allows the use of copyrighted work in certain ways without obtaining a license from the copyright holder.
The Company does not assert copyright or grant any rights to the underlying testimonials provided through the Services. Any use of these testimonials and descriptions are subject to the copyright owner’s permission and/or the requirements of applicable law. While the Company makes every effort to ensure that images are accurate, it cannot accept responsibility for any errors and is not liable for any errors.
If you find an error or would like information updated or hidden, please contact the company at info@payingforlongtermcare.com.
OWNERSHIP OF SITE
The Company owns and operates this Site and the information, materials, product names and services available on it. The Company also owns the information and materials available in connection therewith. All content including, but not limited to, text, graphics, logos, buttons, icons, data compilations, and images is the property of the Company, its licensors, or its content suppliers and is protected by U.S. and international copyright and trademark laws. The compilation (collection, arrangement, and assembly) of all content on this Site or contained in the Products is the exclusive property of the Company and is protected by U.S. and international copyright laws. All software used on this Site is the property of the Company or its suppliers and is protected by U.S. and international copyrights laws.
You do not acquire any ownership rights to this Site and its content, or any intellectual property, trademarks, or logos of the Company by your use of this Site or the Products. You acknowledge that this Site and its contents and the Products are valuable commercial assets which the Company has expended substantial time and resources to develop. You expressly agree that the Company and its affiliates retain all ownership rights to this Site and its contents, to the Products, and to any intellectual property, trademarks, or logos of the Company. You further agree that the strategies and methodologies provided on the Site and in the Services provided by the Company constitute a Trade Secret, belonging to the Company, in that the strategies and methodologies have commercial value and confer a competitive advantage, they are not known to the public, and the Company takes reasonable measures to keep them secret (except as to those who have paid for their personal usage, but not to repurpose, re-sell or copy.
LIMITED USE OF SITE
You are hereby granted a limited, revocable, non-exclusive right to access and use this Site subject to the limitations set forth herein.
Use of Site. You agree to provide true, accurate, current and complete information about yourself.
This Site is intended for personal use only, and you may not use this Site or any of its content for the benefit of any other company or merchant. You may not use any data mining, robots, or similar data gathering and extraction tools on this Site or its content. You may not reproduce, duplicate, copy, visit, or otherwise exploit this Site or its content for any commercial purpose other than as expressly allowed under these Terms of Service or without express written consent of the Company.
Any communications or material of any kind that you email, post or otherwise transmit through this Site, including data, questions, comments, or suggestions will be treated as non-confidential and nonproprietary. The Company is free to use any ideas, concepts, know-how or techniques contained in your communications for any purpose including, but not limited to, developing and marketing products using such information without compensation to you.
DISCLAIMER
WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THIS SITE OR ITS CONTENT, OR ANY PRODUCT OR SERVICE AVAILABLE ON OR PROMOTED THROUGH THIS SITE, EXPRESS OR IMPLIED. THIS SITE AND ALL OF ITS CONTENT (INCLUDING USER-GENERATED CONTENT) ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE” BASIS, WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY, ITS AFFILIATES, AND THEIR SERVICE PROVIDERS AND LICENSORS DISCLAIM ANY AND ALL REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS, IMPLIED, ARISING BY STATUTE, CUSTOM, COURSE OF DEALING, COURSE OF PERFORMANCE OR IN ANY OTHER WAY, WITH RESPECT TO THIS SITE, ITS CONTENT, AND ANY PRODUCTS OR SERVICES AVAILABLE OR PROMOTED THROUGH THIS SITE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, THE COMPANY, ITS AFFILIATES, AND THEIR SERVICE PROVIDERS AND LICENSORS DISCLAIM ALL REPRESENTATIONS AND WARRANTIES (A) OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE; (B) RELATING TO THE SECURITY OF THIS SITE; (C) THAT THE CONTENT OF THIS SITE IS ACCURATE, COMPLETE OR CURRENT; OR (D) THAT THIS SITE WILL OPERATE SECURELY OR WITHOUT INTERRUPTION OR ERROR.
Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAWS PAYING FOR LONG-TERM CARE, ON BEHALF OF ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS, LICENSORS AND SERVICE PROVIDERS, EXCLUDE AND DISCLAIM LIABILITY FOR ANY LOSSES AND EXPENSES OF WHATEVER NATURE AND HOWSOEVER ARISING INCLUDING, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, GENERAL, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES; LOSS OF USE; LOSS OF DATA; LOSS CAUSED BY A VIRUS; LOSS OF INCOME OR PROFIT; LOSS OF OR DAMAGE TO PROPERTY; CLAIMS OF THIRD PARTIES; OR OTHER LOSSES OF ANY KIND OR CHARACTER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS SITE (INCLUDING DAMAGES CAUSED BY THE ALLEGED NEGLIGENCE OF ONE OR MORE OF THE PERSONS OR ENTITIES RELEASED HEREBY). YOU ASSUME TOTAL RESPONSIBILITY FOR ESTABLISHING SUCH PROCEDURES FOR DATA BACK UP AND VIRUS CHECKING AS YOU CONSIDER NECESSARY. THIS LIMITATION OF LIABILITY APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR ANY OTHER BASIS.
Indemnity
You hereby expressly agree to indemnify, defend, and hold harmless the Company, its officers, directors, managers, employees, shareholders, members, agents, providers, merchants, sponsors, licensors, suppliers, and affiliates from and against all claims, actions, demands, judgments, losses, and liabilities (including, without limitation, costs, expenses and attorneys’ fees) by you or any third-party resulting or arising, directly or indirectly, out of: (a) Your use of this Site and/or the Products, (b) Your violation of any federal, state or local laws, regulations or requirements (including, without limitation, relating to use of personal information, privacy, or direct mailing), or (c) Your violation of these Terms of Service.
Legal Relationship
Nothing in these Terms of Use creates the relationship of principal and agent, partner, or joint venture. Neither you or the Company may represent itself as having any authority to make contracts or enter into any agreements in the name of the other. Neither you nor the Company owes a fiduciary duty of any kind to the other. In connection with your use of this Site and the Products, you shall not represent yourself as having any license, knowledge, experience or capacity which you do not have. You agree that you shall be fully responsible for any and all actions, inactions or other business dealing you or any third-parties undertake in connection with, or arising out of, your use of this Site or Services, and the Company shall not be liable to you or to any third-party in any manner in connection therewith.
Waiver
Our failure at any time to require performance of any provision of these Terms of Service or to exercise any right provided for herein will not be deemed a waiver of such provision or such right.
Modification and Severability
The Company reserves the right to make changes to this Site and these Terms of Service at any time at the Company’s discretion. Your continued use of this Site and/or the Services shall be deemed to be your continued acceptance of the Terms of Service as amended, if applicable. If any provisions herein shall be deemed invalid, void, or unenforceable for any reason, such provisions shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions.
Exceptions to Privacy Policy
While we are committed to keeping your information secure and private (to ensure the overall integrity and confidentiality of the data), we have the following exceptions to our privacy policy: We will release specific information about you or your account to comply with any valid legal inquiry or process such as a search warrant, subpoena, statute or court order. We will also release specific information in special cases, such as if there is an attempted breach of the security of the Site, or a physical or property threat to you or others. We may also transfer user information, including personally identifiable information, in connection with a corporate merger, consolidation, the sale of related assets or corporate division or other fundamental corporate change.
We will share personal information with our partners, affiliates, or other trusted businesses to market relevant educational products and services – including telephone solicitations. The trusted partners are bound by confidentiality agreements, and they don’t have any independent right to share your personal information.
Miscellaneous
These terms will be governed by and construed in accordance with the laws of the State of Missouri, without regard to any principles of conflicts of law. If any of these terms of use are found unlawful, void, or for any reason unenforceable, then that provision will be considered severable from the remaining terms of use, and will not affect the validity and enforceability of the remaining provisions. These terms may be modified only by our posting of changes to these terms of use on our Site.