Our Privacy Policy & Terms

At Life Insurance and annuity, we are committed to ensuring the privacy of our customers.

• Our privacy policy has been established to protect our customers. This page describes why we gather customer information, what information we collect, how we collect it, what we use the information for, and how to tell us if you prefer to limit the use of the information. This Privacy Policy is part of the Terms of Use, which governs your use of Life Insurance And Annuity.

• Does Life Insurance And Annuity, its parent company, divisions, Subsidiary, or any of its employees give legal, financial, inurance, or accounting advice? We don't give any legal,insurance, financial, or accounting advice. Please consult with your lawyer and accountant for any legal, insurance, financial, or accountings advice for your business. Please check with your state/city taxes, business license requirements.

• Life Insurance And Annuity provides life insurance comparison rates

Your Security

• Our privacy policy has been established to protect our customers. This page describes why we gather customer information, what information we collect, how we collect it, what we use the information for, and how to tell us if you prefer to limit the use of the information. This Privacy Policy is part of the Terms of Use, which governs your use of Life Insurance And Annuity
• We do not share your information with any third party not directly involved in processing, preparing, or shipping your order.
• In the event of a merger, consolidation, or sale or transfer of all or substantially all of the assets or business of Life Insurance And Annuity, the information we collect from our customers may be transferred as an asset to the new company. However, the use of this information by any successor would still be governed by the terms of this privacy policy, as amended from time to time, including any amendment after such transaction.

How to Make Changes to Your Information

• To update or correct information you have previously provided to Life Insurance And Annuity, you can send us an email from Life Insurance And Annuity contact us page.

How to Limit the Use of Your Information

• If you do not want to receive announcements or special offers from Life Insurance And Annuity, you can send us an email with the word "Remove" in the subject line.

How We Use Cookies

• A "cookie" is a small file stored on your computer by a Web site which stores information about your activity on the site. We use cookies to let us know that you are a prior customer and to provide certain features to you, for example, to store information on your product selections as you shop on our site. We do not use cookies to store any personal information (except your name) or financial information. Most web browsers automatically accept cookies, but most allow you to instruct your browser to prevent their use.

LIMITATION OF WARRANTY AND DAMAGES:

• Life Insurance And Annuity assumes no responsibility for costs of services for corrections or repairs to your hardware, software, or other equipment.

• The materials at this site are copyrighted and any unauthorized use of any materials at this site may violate copyright, trademark, and other laws. If you breach any of these Terms, your authorization to use this site automatically terminates and you must immediately destroy any downloaded or printed materials.

• User Submissions. Other than personally identifiable information, which is covered under the Life Insurance And Annuity Online Privacy Statement, any material, information or other communication you transmit or post to this site will be considered non-confidential and non-proprietary ("Communications"). Life Insurance And Annuity will have no obligations with respect to the Communications. Life Insurance And Annuity and its designees will be free to copy, disclose, distribute, incorporate and otherwise use the Communications and all data, images, sounds, text, and other things embodied therein for any and all commercial or non-commercial purposes. You are prohibited from posting or transmitting to or from this site any unlawful, threatening,libellous, defamatory, obscene, pornographic, or other material that would violate any law.

• No Unlawful or Prohibited Use. As a condition of your use of the this Website, you warrant to Life Insurance And Annuity that you will not use the Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Website in any manner which could damage, disable, overburden, or impair the Website or interfere with any other party's use and enjoyment of the Website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Website.

• Disclaimer. THE MATERIALS PROVIDED AT THIS SITE ARE PROVIDED "AS IS" WITHOUT ANY WARRANTIES OF ANY KIND INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY. Life Insurance And Annuity further does not warrant the accuracy and completeness of the materials at this site. Life Insurance And Annuity may make changes to the materials at this site, or to the products and prices described in them, at any time without notice. The materials at this site may be out of date, and Life Insurance And Annuity makes no commitment to update the materials at this site. Information published at this site may refer to products, programs or services that are intended for use only in the United States and may not be used or relied upon in any other country. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

• Termination/Access Restriction - Life Insurance And Annuity reserves the right, in its sole discretion, to terminate your access to any or all Life Insurance And Annuity Websites and the related services or any portion thereof at any time, without notice.

• Modification of These Terms of Use - Life Insurance And Annuity may revise these Terms at any time by updating this posting. You should visit this page from time to time to review the then-current Terms, because they are binding on you. Certain provisions of these Terms may be superseded by expressly designated legal notices or terms located on particular pages at this site.

• This agreement is governed by the laws of the State of California, U.S.A.  You hereby consent to the exclusive jurisdiction and venue of courts in Los Angeles, U.S.A. All disputes arising out of or relating to the use of the Life Insurance And Annuity Websites. Use of the Life Insurance And Annuity Website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Life Insurance And Annuity as a result of this agreement or use of the Life Insurance And Annuity Web site plus performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Life Insurance And Annuity right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Website or information provided to or gathered by Life Insurance And Annuity with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provisions will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Life Insurance And Annuity with respect to the Life Insurance And Annuity Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Life Insurance And Annuity with respect to the Website. A printed version of this agreement and any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same condition as other business documents and records originally generated and maintained in printed form.

HOLD HARMLESS:

• You agree to hold harmless legally Life Insurance And Annuity, it's owners and employees, for any use or purchases of goods or services obtained through Life Insurance And Annuity, links or sources provided at Life Insurance And Annuity, and you agree to use all third-party resources obtained at Life Insurance And Annuity at your own risk. We do cannot and do not guarantee services provided by any third party.

LEGAL INFORMATION:

• Life Insurance And Annuity reserves the right to change or amend these Terms of Use at any time without prior notice. By using our services or making any purchases at Life Insurance And Annuity, you signify your agreement to all Terms of Use.

Your Consent and Changes to this Privacy Policy-Terms and Conditions

• Subject to the above provisions, by using our Web site, you consent to the collection and use of information by us and the terms of this Privacy Policy. We may change our Privacy Policy from time to time and we will post those changes so that you are always aware of what information we collect, how we use it, and under what circumstances we may disclose it.

Your use of this website and use or reliance upon any of the materials on it is solely at your own risk. We are providing the contents of this website on an “as is” basis. We disclaim all representations and warranties, express or implied of any kind with respect to the website, including warranties of merchantability, fitness for a particular purpose and non-infringement of intellectual property and proprietary rights. We are not representing or warranting as to the availability, accuracy, completeness, functionality, reliability, timeliness or delivery of the website or any part of the information contained in this website. We do not assume any responsibility to update or correct the website even if information is not accurate or is outdated.

Nothing on this website should be construed as a recommendation by us that you purchase, sell, invest in, hold or pursue any security or investment. Nothing on this website is intended to be, and you agree that nothing on this website is, investment, accounting, tax or legal advice. Past performance of any investment or investment strategy or style is not indicative of future performance. You agree that we are not responsible for any action you take or decision you make in reliance on any information contained in the website.

The website may contain hyperlinks to websites controlled and maintained by third parties. We provide these links solely as a convenience for you. If you link to a third party website through this website, you do so at your own risk. We do not control the content of these websites, and we assume no liability or responsibility for such sites. Any hyperlinks to other sites do not mean we endorse or attest to any such sites or the information on such sites.

If you access this website in a country other than the United States through the Internet, you represent that you do so on your own initiative and that you solely are responsible for compliance with all local laws and regulations. If it is illegal or prohibited in your country of origin to access or use this website, then you should not do so.

We may, but have no obligation to, monitor and record activity on the website for any reason or for no reason. We do not collect any personally identifiable information about visitors of our website, such as visitors’ names, addresses, phone numbers, social security numbers or email addresses, unless a visitor submits their email address or any other personally identifiable information to us via our website or seeks to contact us and provide such information. Our website may use “cookies” technology which helps us to identify you as a unique user when visiting our website, and helps us in the ongoing maintenance of our website. This technology does not provide us with any personally identifiable information about you. We will not share any information collected from our website with any parties outside of our company, unless required by a valid subpoena or court order, or as otherwise required by law.

 You agree that your use of this website and any disputes or claims relating to the website or these Terms of Use will be governed by the laws of the State of California without reference to choice of law provisions. Any dispute relating to the above shall be brought solely in the state or federal courts located in Los Angeles, California and it is agreed that such courts shall have jurisdiction over the parties to these Terms of Use and any dispute arising hereunder. Neither we nor any of our affiliates, agents or employees are responsible for any damages, liabilities or injury, including but not limited to indirect, incidental, special punitive or consequential damages, however caused arising out your use of (or inability to use) this website or these Terms of Use.

Our liability is limited to the maximum extent permitted by law and is limited even if we have been advised of the possibility of the damages, liability or injury. Without limiting the foregoing, under all circumstances, the maximum liability of Life Insurance And Annuity, its affiliates, agents and employees to any user of this website is $1.

Contacting Us

• If you have any questions about this privacy statement, please contact us.

• Copyright Notices. All contents of the Life Insurance And Annuity Websites are: Copyright (c) Life Insurance and annuity

• All rights reserved.