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Terms and Conditions

This website is operated by Life Refinance & Insurance Services, LLC. If you visit our website, you accept these conditions. Please read them carefully.

Privacy

Please review our Privacy Policy which also governs your visit to this website, to understand our practices.

Electronic Communications

When you visit this website or send emails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by email or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Liability

In no event will Life Refinance & Insurance Services be liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this website, even if Life Refinance & Insurance Services is expressly advised of the possibility of such damages.

Trademarks

Life Refinance & Insurance Services names, logos, icons and other marks identifying Life Refinance & Insurance Services, its products and services referenced herein are trademarks of Life Refinance & Insurance Services and may not be used without the prior written permission of Life Refinance & Insurance Services.

Copyright

This website is subject to the protection of the copyright laws of the United States and other countries. You may not reproduce any part of Life Refinance & Insurance Services's website without the prior written permission of Life Refinance & Insurance Services. Products and companies referred to herein are trademarks or registered trademarks of their respective companies or mark holders.

Taxes

Without a valid and correct tax exemption certificate that is applicable to the product/service's ship-to location, the client is responsible for payment of Goods and Services Tax, applicable Provincial Sales Tax, and all other taxes associated with the order. The client must provide CA-Plus Inc. with a proper and complete exemption certificate/form prior to their acceptance of the order for a certificate/form to be honored.

License and Site Access

Life Refinance & Insurance Services grants you a limited license to access and make personal use of this website and not to download (other than page caching) or modify it, or any portion of it, except with the express written permission of Life Refinance & Insurance Services. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Life Refinance & Insurance Services.

You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Life Refinance & Insurance Services so long as the link does not portray Life Refinance & Insurance Services, or its products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any Life Refinance & Insurance Services logo or other proprietary graphic or trademark as part of the link without express written permission.

Limitations

Life Refinance & Insurance Services makes no warranties, either expressed or implied, regarding the operation of software. Life Refinance & Insurance Services is not responsible for product malfunctions arising from previously unknown or undocumented system conditions or as a result of a unique combination of conditions. In no instance will Life Refinance & Insurance Services. be liable for any damages, including lost profits, lost savings, or other incidental or consequential damages, arising from the use or inability to use any consultative advice, training, software or hardware recommended and/or installed. Life Refinance & Insurance Services Inc.'s liability for damages arising either directly or indirectly from any errors or omissions caused by Life Refinance & Insurance Services or its designated representatives shall be limited to the aggregate dollar amount paid by the customer for those products or services, at their discretion.

Modification and Severability

We reserve the right to make changes to our site, policies, and these Terms and Conditions at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.

Our Address:

Life Refinance & Insurance Services, LLC
42.5 58th Place
Long Beach, CA 90803
(800) 476-0556
http://www.LifeRefinance.com

Privacy Policy

Our Commitment to Privacy

Life Refinance & Insurance Services has created this privacy statement in order to demonstrate our firm commitment to protecting your privacy. We only use the information we collect about you to process orders and provide you support. This Privacy Policy describes how we collect, use and disclose information that we may obtain when you visit our website.

Note: the privacy practices set forth in this privacy policy are for this website only. If you link to other websites, please review the privacy policies posted at those sites.

Changes to the Privacy Policy

We reserve the right to change this Privacy Policy without advance notice and any modifications are effective when they are posted here. You are encouraged to review the privacy policy whenever you visit our website to make sure that you understand how any personal information you provide will be used.

Agreement

By using this Site, you acknowledge that you have reviewed, and agree to, the terms of this Privacy Policy. If you do not agree to this Privacy Policy, do not use this Site.

Collection of Information

We collect personally identifiable information when you create an account on our website. This information may include:

Your name
Your business name
Your business and/or home address
email address
phone numbers
credit card information to fulfill an order
We only use the information we collect about you to process orders and to provide support and upgrades for our products.

You do not need to create an account to use our website, and if you prefer, you can use our toll free phone number to place orders. You may visit our website anonymously.

Protection of your Personal Information

We use a Secure Server for collecting personal and credit card information. The secure server layer (SSL) encrypts (scrambles) all of the information you enter before it is transmitted over the internet and sent to us. Furthermore, all of the customer data we collect is protected against unauthorized access.

Cookie/Tracking Technology

We use cookies and tracking technology on some portions of our website. A cookie is an identifier that is sent to your browser from a web server and stored on your computer. We may also use cookies when you create an account on our website in order to store useful information that enables you to more efficiently use our website. One way this is used, for instance, is to prevent you from having to login to our website each time you return to visit us.

Cookies do not contain any information that is, in itself, personally identifying. We do not link the information collected through cookies to any personally identifiable information provided by users. If you choose to disable cookies in your browser, you can still access most of our website.

Distribution of Information

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

All emails and newsletters from this site allow you to opt out of further mailings.

Users Under Age 13

This website is not directed at children under the age of 13. If you are younger than 13, please do not provide any personally identifiable information in connection with your use of this website.

Offline Policy

Although most of the information in this privacy policy applies to information collected offline, the details mentioned here are specific to information collected through our website and not to information collected offline.

Contact Information

If you have any questions, concerns, or comments about our privacy policy you may contact us:

Life Refinance & Insurance Services, LLC
42.5 58th Place
Long Beach, CA 90803
(800) 476-0556

Please also review our Terms and Conditions.

Investigate my insurability

Investigate My Insurability

STEP 2

Submit application without obligation.

If your Snapshot reveals that your policy can be improved upon, the next step is to fill out our simplified life app, which has been mercifully streamlined to take minutes instead of days to fill out. Click button below to continue. Any questions along the way, including how to interpret certain health questions, call us toll free at (800) 476-0556.