Terms of Use

These Terms of Use describe the terms and conditions of your use and access of LTC Global, Inc. and its affiliates’ (“LTC Global”, “we”, “us”, or “our”) websites (the “Sites”). By using our Sites, you agree to comply with these Terms of Use.  If you do not wish to be bound by these Terms of Use, please discontinue using the Sites immediately.

We reserve the right to change these Terms of Use without prior notice. You acknowledge and agree that it is your responsibility to review these terms periodically to familiarize yourself with any modifications. Your continued use of the Sites after such modifications will constitute acknowledgment and agreement of the modified terms and conditions.

Responsible Use and Conduct

You may not use any Site to engage in any illegal activity. You may not use any Site to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party’s intellectual property or other proprietary rights. In the event you engage in activity that is illegal, defamatory, libelous, threatening, or harassing, we reserve the right to disclose any information you provide through the use of any Site to law enforcement authorities as deemed appropriate in our sole discretion. You agree that any information you provide through a Site will be truthful and accurate.

Privacy

We value your privacy. To see how we protect and handle your personal information, please read our Privacy Policies here and here.

Limitation of Warranties

By using our Sites, you understand and agree that all information and resources we provide are “as is” and “as available” without any warranty of any kind including without limitation that: the use of our resources will meet your needs or requirements; access to any Site will be uninterrupted, timely, secure or free from errors; the information contained in any Site will be accurate or reliable; or any defects in the operation or functionality of any resources we provide will be repaired or corrected.

Under no circumstances will we be liable for any damages whatsoever as a result of using the Sites’ information, services, tools and other resources.

WE EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

Limitation of Liability

We will not be liable for any direct, indirect, incidental, consequential, punitive or exemplary loss or damages which may be incurred by you as a result of using our resources, or as a result of any changes, data loss or corruption, cancellation, loss of access, or downtime to the fullest extent permitted by law.  In any event, you expressly understand and agree that any claim against us shall be limited to the amount you paid to us, if any, for use of our products and/or services.

Copyrights/Trademarks

All content and materials available on our Sites, including but not limited to text, graphics, website name, code, images and logos are our intellectual property, and are protected by applicable intellectual property law. Any unauthorized use, including but not limited to the reproduction, distribution, display or transmission of any content on this Site, is strictly prohibited unless specifically authorized by us.

Termination of Use

You agree that we may, at our sole discretion, suspend or terminate your access to all or part of our Sites and resources with or without notice and for any reason, including, without limitation, breach of these Terms of Use.  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, your right to use the resources we provide 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.

Contact Information

If you have any questions or comments about these our Terms of Use as outlined above, you can contact us at compliance@ltcglobal.com.

ABOUT US

The Smith Companies, Ltd. is a Boston-based firm known for sophisticated advanced planning solutions that properly integrate life insurance into an overall estate plan.

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