Unless otherwise indicated, this Web Site and its contents are the property of the American Association for Long-Term Care Insurance ("AALTCI"), whose registered office is situated at 3835 E. Thousand Oaks Blvd., Ste 336, Westlake Village, CA 91362, USA.  The site and its contents are protected, without limitation, pursuant to U.S. and foreign copyright and trademark laws. By accessing this Web Site, you agree to the following terms and conditions. If you do not agree, you have no right or license to access this Web Site and you should not do so.

Access to and use of this Web site is provided subject to these terms and conditions. PLEASE READ THESE TERMS CAREFULLY AS USE OF THIS SITE CONSTITUTES ACCEPTANCE OF THESE TERMS AND CONDITIONS.

USE OF MATERIAL ON THE "YOURLTCSUCCESS" WEB SITE
The information, artwork, text, video, audio, or pictures (collectively, "Materials") contained on the Web site are protected by copyright laws. You may access and use the Materials "as is" but you may not modify or use the Materials without express written consent of AALTCI.

SITES LINKED FROM THE REAL WEB SITE
The sites linked from the Web site are not under AALTCI's control, and AALTCI does not assume any responsibility or liability for any communications or materials available at such linked sites. AALTCI does not intend links on the Web site to be referrals or endorsements of the linked entities; they are provided for convenience only.

DISCLAIMER OF WARRANTY
The services, information or data (collectively, "Information") made available at the Web site are provided "AS IS", without warranties of any kind. AALTCI expressly disclaims any representations and warranties, including without limitation, the implied warranties of merchantability and fitness for a particular purpose. AALTCI shall have absolutely no liability in connection with the services including without limitation, any liability for damage to your computer hardware, data, information, Materials and business resulting from the Information or the lack of information available on the Web site. AALTCI shall have no liability for:
Any loss or injury caused, in whole or in part, by its actions, omissions, or negligence, or for contingencies beyond its control, in procuring, compiling, or delivering the Information;  Any errors, omissions, or inaccuracies in the Information regardless of how caused, or delays or interruptions in delivery of the Information; or Any decision made or action taken or not taken in reliance upon the Information furnished hereunder.
AALTCI makes no warranty, representation or guaranty as to the content, sequence, accuracy, timeliness or completeness of the Information or that the Information may be relied upon for any reason. AALTCI makes no warranty, representation or guaranty that the Information will be uninterrupted or error free or that any defects can be corrected. For purposes of this section, "AALTCI" shall include the American Association for Long-Term care Insurance, and its divisions, subsidiaries, successors, parent companies, and their employees, partners, principals, agents and representatives, and any third-party providers or sources of information or data.

LIMITATION OF LIABILITY
Under no circumstances shall AALTCI be liable for any losses or damages whatsoever, whether in contract, tort or otherwise, from the use of, or reliance on, the Information, or from the use of the Internet generally.
For purposes of this section, "AALTCI" shall include the American Association for Long-Term care Insurance, and its divisions, subsidiaries, successors, parent companies, and their employees, partners, principals, agents and representatives, and any third-party providers or sources of information or data.

ADDITIONAL TERMS: POSTING
To the extent that portions of this Web Site (such as "chat rooms" or "bulletin boards") provide users an opportunity to post and exchange information, ideas and opinions ("Postings"), BE ADVISED THAT AALTCI HAS NO OBLIGATION TO SCREEN, EDIT, OR REVIEW POSTINGS PRIOR TO THEIR APPEARANCE ON THIS WEB SITE, and Postings do not necessarily reflect the views of AALTCI. To the fullest extent permitted by applicable laws, AALTCI shall in no event have any responsibility or liability for the Postings or for any claims, damages, or losses resulting from their use and/or appearance on this Site.

AALTCI reserves the right to monitor all Postings and to remove any which it considers in its absolute discretion to be offensive or otherwise in breach of these terms and conditions.

You hereby represent and warrant that you have all necessary rights in and to all Postings you provide and all material they contain; that your Postings shall not infringe any proprietary or other rights of third parties; that your Postings shall not contain any viruses or other contaminating or destructive devices or features; that your Postings shall not contain any defamatory, indecent, offensive, tortious, or otherwise unlawful material or content; and that your Postings shall not be used to carry out or solicit any unlawful activity and/or be used to make commercial solicitations.

You hereby authorize AALTCI to use and/or authorize others to use all or part of your Postings in any manner, format, or medium that AALTCI or such other parties see fit. You shall have no claim or other recourse against AALTCI for infringement of any proprietary right in Postings.

INDEMNIFICATION
Those who use the Web site hereby agree to indemnify and hold harmless the American Association for Long-Term Care Insurance, Sales Creators, Inc., its employees and assigns, from and against any and all claims, charges, demands, damages, liabilities, losses, expenses, and liabilities of whatever nature and howsoever arising (including but not limited to any legal or other professional fees and the costs of defending or prosecuting any claim and any loss of profit, goodwill, and any other direct or consequential loss) incurred or suffered by AALTCI directly or indirectly by reason of any act or omission which you commit in breach of these terms and conditions and the obligations and warranties contained in them.