Terms and Conditions

General:

Please review these Terms and Conditions carefully before using this Website. Your use of this Website indicates your agreement to be bound by these Terms and Conditions.

This Website is owned and operated by FROS, LP (“FROSLP”), an entity registered in Delaware with file number 5776152. This website provides information about Life Settlements and the qualification of life insurance policies. FROSLP is a marketing entity and not a life settlement provider or broker which provides indications of the potential value of life insurance policies and access to suitably qualified and licensed buyers. As a marketing entity, FROSLP will receive a referral fee as remuneration for any successful life settlement transactions originating from this website.

For the purposes of these Terms and Conditions "We", "Our" and "Us" refers to FROSLP.

This site links to Our secure medical questionnaire and document upload portal which enables the safe upload of life insurance policy documents and provision of insureds’ personal and health information. By providing Your data and documents via the Medical Questionnaire facility You authorize Us to contact You and/or Your designated contact in connection with Your submission. You also authorize Us to access, store and process Your personal data and life insurance policy information which, where necessary, may be shared with Our contracted partners for the purpose of qualifying Your policy. More information on how We use Your personal data is set out in our Privacy Policy.

1. Definitions and interpretation

In these Terms and Conditions the following terms shall have the following meanings:

"Website"
ValueMyLifePolicy.com “VMLP” and any sub-domains of this Website unless expressly excluded by their own terms and conditions.

"Service"/"Services"
Collectively, any online facilities, tools, services or information that We make available through the Website either now or in the future.

“Medical Questionnaire”
An online facility used by FROSLP to allow for the easy and secure submission of health and life insurance policy information for the purpose of obtaining an indication of a policy’s value.

2. Data protection/privacy

Any personal information you supply to Us when you use this Website and/or the Medical Questionnaire will be used in accordance with Our Privacy Policy.

3. Proprietary rights

All trademarks, copyright, database rights and other intellectual property rights in the materials on this Website (as well as the organisation and layout of this Website) together with the underlying software code are owned either directly by Us or by Our licensors. Without Our prior written permission, you may not copy, modify, alter, or sell any material on this Website or the underlying software code whether in whole or in part. The content of this Website can be published, broadcasted and distributed with the condition that We are accredited. In addition, the content of this Website may be downloaded, printed or copied for your personal non-commercial use. If portions of the Website or underlying software code are governed by a separate license, that license will take precedence over the relevant part of these Terms and Conditions.

4. Appropriate use

You may only use this Website in accordance with these Terms and Conditions and, in any event, for lawful and proper purposes which includes complying with all applicable laws, regulations and codes of practice within the United States or other jurisdiction from which you are accessing this Website.

In particular, you agree that you will not:

• post, transmit or disseminate any information on or via this Website which is or may be harmful, obscene, defamatory or otherwise illegal;
• use this Website in a manner which causes or may cause an infringement of the rights of any other;
• use any software, routine or device to interfere or attempt to interfere electronically or manually with the operation or functionality of this Website including, but not limited to, uploading or making available files containing corrupt data or viruses via whatever means;
• deface, alter or interfere with the front end 'look and feel' of this Website or the underlying software code;
• take any action that imposes an unreasonable or disproportionately large load on this Website or related infrastructure; and
• obtain or attempt to obtain unauthorised access, via whatever means, to any of Our networks.

Without prejudice to any of Our other rights (whether at law or otherwise) We reserve the right to deny you access to this Website where We believe (in Our absolute discretion) that you are in breach of any of these Terms and Conditions.

5. Changes to this Website

We may make improvements or changes to the information, services, products and other materials on this Website, or terminate this Website, at any time without notice. We may also modify these Terms and Conditions at any time and such modification shall be effective immediately upon the posting of the modified Terms and Conditions on this Website. Accordingly, your continued access or use of this Website is deemed to be your acceptance of the modified Terms and Conditions.

6. Links to other websites

This Website may include links to other internet sites. We do not endorse any such websites and We are not responsible for the information, material, products or Services contained on or accessible through those websites. Your access and use of such websites remains solely at your own risk.

Those wishing to place a link to this website on other sites may do so with permission from FROSLP. To find out more please email Us at contact@ValueMyLifePolicy.com.

7. Limitation of liability

In no event will We be liable for any direct, indirect, special, punitive, exemplary or consequential losses or damages of whatsoever kind arising out of access to, or the use of this Website or any information contained in it, including loss of profit and the like whether or not in the contemplation of the parties, whether based on breach of contract, tort (including negligence), product liability or otherwise, even if advised of the possibility of such damages

8. Disclaimer of warranty

To the maximum extent permitted by law, We disclaim all implied warranties with regard to the information, Services and materials contained on this Website. All such information, Services and materials are provided "as is" and "as available" without warranty of any kind.

9. Indemnification

You agree to indemnify, defend and hold Us harmless from any liability, loss, claim and expense (including reasonable legal fees) related to your breach of these Terms and Conditions.

10. Miscellaneous

These Terms and Conditions contain all the terms of your agreement with Us relating to your use of this Website. No other written or oral statement (including statements in any brochure or promotional literature published by Us) will be incorporated.

We make no warranty whatsoever for the reliability, stability or any virus-free nature of any software being downloaded from this Website, nor for the availability of the download sites where applicable.

All software products downloaded from any section of this Website or via a link pointed to by this Website are downloaded, installed, and used totally and entirely at your own risk.

These Terms and Conditions were last updated on February 22, 2022