By accessing www.whitestonelife.com or www.whitestonesettlements.com (“Website”), you agree to be bound by and acknowledge the following terms of service without limitation or qualification. Please direct any questions about these terms of use and conditions or any other questions or problems with the Website to Whitestone Settlements, LLC (“Whitestone”) at info@whitestonelife.com.
Website Purpose and Company Services. The content on the Website is for informational, educational, and illustrative purposes only and may not be intended for consumers in every state. To inquire about licensing, please contact us for further details, as Whitestone services may not be available in all states.
No Representation, Liability, or Advice; Other Considerations. Whitestone issues no representation or warranty about the suitability or completeness of the information contained on the Website and any corresponding conclusion or calculation derived therefrom. All information, including the results of the contact form, is provided “as is” and may contain technical inaccuracies and/or typographical errors. You assume full responsibility for any loss or damage, including without limitation special, indirect, or consequential, suffered as a result of reliance on any such information, and Whitestone is not liable for any action or inaction taken by you to determine your decisions.
Whitestone disclaims all warranties and conditions of any kind regarding such information, including all implied warranties and conditions of merchantability and fitness for a particular purpose, and nothing on this Website creates an express or implied contract. No case study, analysis, valuation, or recommendation related to any life insurance policy can replace the actual submission of such policy to the market.
Whitestone issues no representation or warranty as to whether a particular policy will generate any contingent settlement offers or ultimately be sold. In addition, Whitestone does not purchase policies, is under no obligation to ultimately find a buyer of the policy owner’s policy, and is not responsible for any breach committed by a buyer if one is identified. Furthermore, Whitestone does not provide any advice regarding whether or not to proceed with the life or viatical settlement transaction.
The policy owner shall reach his/its own decision and is free to accept or decline any contingent offer. Once the viatical or life settlement transaction is completed and the applicable rescission period has ended, the policy owner, insured, and any beneficiaries previously designated by the policy owner have no right to the death benefit of the applicable life insurance policy or policies that have been sold, unless stated otherwise in the viatical or life settlement contract.
Whitestone is not providing any financial, legal, tax, investment, securities, or accounting advice whatsoever, and such advice should be obtained from the appropriate parties to determine, in part, any impact on estate plans, tax returns, government benefits, and entitlements, availability and cost of other or replacement insurance, and whether selling the existing life insurance policy is more beneficial than other potentially available options.
Additional Limitations. The policy owner, and not Whitestone, is fully responsible for the timely payment of any and all premiums due for the policy that is the subject of the viatical or life settlement transaction, on the applicable due dates, up until the change of ownership of the policy occurs. The policy owner, not Whitestone, assumes sole responsibility if the policy lapses for such lack of timely payment of any and all premiums.
In addition, Whitestone is not a life expectancy provider or firm that produces life expectancy reports, does not determine life expectancies, is not a medical or mortality expert, does not provide mortality or medical reviews, does not evaluate the health of the insured, is not responsible for the conclusions of life expectancy providers and/or firms that produce life expectancy reports, and does not have the expertise to dispute the conclusions of life expectancy providers and/or firms that produce life expectancy reports. The insured may live longer or shorter than any life expectancy projection or estimate.
Rights Reserved. Elements of the Website are protected by trade dress, trademark, copyright, unfair competition, and other laws and may not be copied or imitated in whole or in part. No logo, graphic, sound, or image from the Website or any Whitestone website may be copied or retransmitted unless expressly permitted by Whitestone. Any rights not expressly granted herein are reserved by Whitestone. In addition, Whitestone reserves the right to change the terms of service at any time and from time to time by revising these terms and conditions. You are responsible for regularly reviewing these terms of service.
