Legal

Terms & Conditions

Lifeforce Financial, Inc. · Last Updated: January 2024

These Terms and Conditions ("Terms") govern your use of the website operated by Lifeforce Financial, Inc. ("Lifeforce Financial," "we," "us," or "our"), including all content, features, and functionality accessible at www.lifeforcefinancial.com (the "Site"). By accessing or using our Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.

1. Informational Purposes Only

The information provided on this Site is for general informational purposes only. Nothing on this Site constitutes financial, legal, tax, or investment advice. Lifeforce Financial, Inc. is a licensed life settlement broker and can provide life settlement brokerage services — but the content on this Site does not create a broker-client relationship, and no such relationship is established until a written engagement agreement has been signed by both parties.

Before making any decision regarding your life insurance policy, you should consult with your own financial advisor, tax advisor, and attorney who are familiar with your specific circumstances.

2. No Guarantees of Outcomes

We make no representations or warranties, express or implied, regarding the availability of a life settlement for any particular policy, or any specific settlement amount or range. Settlement amounts vary significantly based on policy type, face value, premium structure, insured's age and health, and current market conditions. Past outcomes are not indicative of future results.

Any policy evaluation provided by Alex Barba or Lifeforce Financial, Inc. represents an opinion based on available information and market conditions at the time of evaluation — it is not a guarantee of a specific outcome.

3. Licensing and Regulatory Compliance

Lifeforce Financial, Inc. is a licensed life settlement broker. Life settlement activities are regulated in most U.S. states. Alex Barba holds applicable licenses required to broker life settlements in the jurisdictions in which he operates. Regulated activities are performed by a licensed affiliate where required.

Nothing on this Site constitutes an offer to buy or sell a life insurance policy or securities. Any transaction will be conducted in compliance with applicable state and federal laws and regulations.

4. Intellectual Property

All content on this Site — including text, graphics, logos, images, and design — is the property of Lifeforce Financial, Inc. or its content suppliers and is protected by applicable copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise use any content from this Site without our express written permission.

5. Acceptable Use

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others. You may not:

6. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.

7. Third-Party Links

Our Site may contain links to third-party websites for your convenience. We have no control over the content or practices of those sites and accept no responsibility for them. Linking to a third-party site does not imply our endorsement of that site or its content.

8. Disclaimer of Warranties

THE SITE AND ALL CONTENT, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LIFEFORCE FINANCIAL, INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR ITS CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM YOUR USE OF THE SITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).

10. Indemnification

You agree to indemnify, defend, and hold harmless Lifeforce Financial, Inc. and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or related to these Terms or your use of the Site shall be brought exclusively in the state or federal courts located in Miami-Dade County, Florida, and you consent to the personal jurisdiction of those courts.

12. Changes to These Terms

We reserve the right to update these Terms at any time. When we do, we will revise the "Last Updated" date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

13. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Lifeforce Financial, Inc. regarding your use of the Site and supersede all prior agreements and understandings relating to the subject matter herein. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

14. Contact

If you have any questions about these Terms, please contact us: