Legal (terms of use)
Conditions of use
By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website. These terms and conditions may be revised at any time by updating this posting. When you visit this site again the conditions of use may have changed and you will be bound by the revised conditions of use.
Disclaimer
To the fullest extent permissible under applicable law, the materials on this website are provided "as is" and without warranties of any kind either expressed or implied. To the fullest extent permissible pursuant to applicable law, Living Time, an appointed representative of Alico, disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Living Time and Alico do not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. Living Time and Alico do not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not Living Time or Alico) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services. This website may be linked to other websites which are not maintained by Living Time or Alico. Living Time and Alico are not responsible for the content of those websites. The inclusion of any link to such websites does not imply approval of or endorsement by Living Time or Alico of the websites or the content thereof.
Limitation of liability
While Living Time and Alico use reasonable efforts to include accurate and up to date information on this website, errors or omissions sometimes occur. Living Time and Alico make no warranties or representations as to the accuracy of the content of this website. To the fullest extent permissible under applicable law, neither Living Time nor Alico nor any party involved in creating, producing, or delivering the website shall be liable to you in negligence or contract for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Living Time or Alico have been advised of the possibility of such damages. To the fullest extent permissible under applicable law, Living Time’s and Alico's total liability to you for all damages, losses, and causes of action shall not exceed the amount paid by you, if any, for accessing this website.
To the fullest extent permissible under applicable law, Living Time and Alico also assume no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.
Restrictions on use of materials
This website is owned and operated by Living Time. Except as otherwise expressly permitted by Living Time or Alico, no materials from this website or any website owned, operated, licensed or controlled by Living Time may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, re-post, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without Living Time's or Alico's written permission.
Living Time neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with Living Time.
Jurisdiction
Unless otherwise expressly set forth herein, Living Time and Alico make no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.
Except as specifically set forth on this website the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service. No security, insurance product or other product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.
Trademarks and copyrights
Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, registered or unregistered trade-marks or service marks ("Trade-marks") of Living Time or Alico or of third parties and used under license by Living Time or Alico. The display of Trade-marks on pages at this Website does not imply that any license has been granted to any third party.
All information in this Website is protected under copyright legislation. Users of this Website shall be entitled to copy any information for their own personal use but may not republish or reproduce any such information in any manner, including electronic reproduction by "uploading" or "downloading", without the prior written consent of Living Time and Alico. Otherwise, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found in the pages of this Website.
Any unauthorized downloading, re-transmission, or other copying or modification of Trade-marks or other contents of this Website may be a violation of statutory or common law rights which could subject the violator to legal action.
Images displayed on this website are either the property of, or used with permission by, Living Time and Alico. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
Passwords
You assume the entire responsibility for the use, including the unauthorized use, of any of your passwords without your consent. Living Time is not required to confirm the user's identity or authority if the user entered the right user name and password. You must immediately advise Living Time if someone other than you knows any of your user names or passwords. In such event, Living Time will block access to your personal file until you have decided to confirm a new user name and a new password.
Internet e-mail
Any unprotected E-mail communication over the Internet is subject to possible interception or loss, and is also subject to possible alteration. Living Time and Alico are not responsible for and will not be liable to you or anyone else for any damages resulting from interception, loss or alteration in connection with an E-mail sent by you to Living Time or Alico or an E-mail sent by Living Time or Alico to you.
Update of legal notice and terms of use
This notice will be updated and modified from time to time without any notice. Accordingly, whenever you access the Website, ensure that you check this notice.
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This site and its content is designed for professional advisers only. It is not approved for use by individual consumers.
Alico is the insurance company that provides Living Time Plans.
Living Time Limited is an appointed representative of American Life Insurance Company (Alico). Living Time Limited is registered in England with company number 04750947 and has its registered office at 1 Conduit Street, London W1S 2XA. American Life Insurance Company is a private limited company incorporated with limited liability in Delaware, USA number 0123730. Head Office: One Alico Plaza, Wilmington, Delaware, USA 19801. Branch Office: 22 Addiscombe Road, Croydon CR9 5AZ. Registered in England number BR000230. Authorised and regulated by the Financial Services Authority (FSA reference number 139417).