Terms and Conditions of Use

The following Terms and Conditions of Use (the “Terms”) constitute an agreement between you and Lifetime Income Technologies, Inc. (“Lifetime Income Technologies”), the operator of www.LifetimeIncomeTechnologies.com (together with related websites owned and operated by Lifetime Income Technologies, collectively and each separately, the “Site”). These Terms govern your use of the Site, and you understand and agree that by accessing or using the Site, you agree to be bound by these Terms. These Terms are preliminary, and Lifetime Income Technologies reserves the right at any time to modify these Terms and to impose new or additional terms or conditions on your use of the Site. Such modifications and additional terms and conditions will be effective immediately and incorporated into these Terms without notice. It is your responsibility to check Terms and Conditions of Use to inform yourself of any such changes. Your continued use of the Site will be deemed acceptance of the Terms as posted on the Site at the time of such use.

  1. Access to the Site By accessing the Site or otherwise accepting these Terms, you represent and warrant to Lifetime Income Technologies that you have reached the age of majority in your jurisdiction, and that you have the right, authority and capacity to agree to and abide by these Terms. You also represent, warrant and covenant to Lifetime Income Technologies that you will comply with all local, state, federal, and national laws, statutes, ordinances and regulations that apply to your use of the Site and the Content. You must provide accurate and complete registration information any time you register to use the Site. You shall not use the Site to conduct any activity that is illegal or violates the rights of others, provide instructional information about illegal activities or promote physical harm or injury against any group or individual.

  2. Use of the Content. The Content is protected by all applicable intellectual property laws including without limitation Title 17 of the United States Code. The Content contains trademarks, service marks and registered trademarks of Lifetime Income Technologies and its licensors. All rights and title to the Content, trademarks and service marks herein remain with Lifetime Income Technologies or its licensors. Lifetime Income Technologies gives you a personal, revocable, non-assignable and non-exclusive license to use the Site and to download (at your own risk) a single copy of the Content solely for your personal use, provided that you do not alter, obscure, or remove any copyright or trademark notice present in the Content. All rights not expressly granted herein are reserved to Lifetime Income Technologies and its licensors, including third parties (which may include other members of the Site) that may provide Content. You may not reproduce, duplicate, copy, sell, trade, resell or exploit for commercial gain any portion of the Site or the Content. You may not access the Site other than by the interfaces provided by Lifetime Income Technologies or interfere with or disrupt the proper operation of the Site. You may not circumvent or disable any security measure adopted by the Site (including, without limitation, making available any passwords [or access codes] issued to others.) You may not access or use the source code (other than human readable HTML code made available through the ordinary operation of commercial browsers) used to implement and operate the Site by any means, including, without limitation, reverse engineering such source code through reverse engineering, de-compilation or disassembly of executable code made accessible through the Site. Except as permitted by these Terms, you may not link to the Site.

  3. Modification and Termination. Lifetime Income Technologies, in its sole discretion, may place limits on, modify, suspend or terminate the Site generally, and, if you fail to comply with these Terms, Lifetime Income Technologies may suspend and terminate your access to the Site or any portion thereof.

  4. Disclaimer of Warranties. The Site and the Content are provided on an “AS IS” basis. Lifetime Income Technologies makes no representations about the accuracy, reliability, completeness or timeliness of the Site or the Content. The use of the Site and the Content is at your own risk. You should not assume that the Content is complete or up-to-date on any particular topic. Lifetime Income Technologies assumes no liability arising from or relating to the delay, failure, interruption or corruption of any data or other information transmitted in connection with use of the Site.

  5. Limitation of Liability. Lifetime Income Technologies is not liable to you or anyone else for any decision made or action taken based on reliance upon the Content or the Site. Lifetime Income Technologies's LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

  6. Indemnification. You agree to defend, indemnify, and hold harmless Lifetime Income Technologies, its officers, directors, employees, agents, licensors and suppliers, and their respective officers, directors, employees and agents, from and against any claims, actions or demands (including, without limitation, reasonable legal and accounting fees and costs) alleging or resulting from (a) any information or other material you provide to the Site, (b) your use of the Site or any Content, or (c) any breach by you of these Terms. Lifetime Income Technologies shall promptly provide you with notice of any such claim, suit or proceeding; provided, however, that Lifetime Income Technologies's failure to provide such notice or delay in providing such notice shall not relieve you from your liabilities or obligations hereunder, except solely to the extent of any material prejudice as a direct result of such failure or delay.

  7. Choice of Law, Jurisdiction and Dispute Resolution. These Terms are governed by the internal substantive laws of the State of Connecticut, without respect to its conflict of laws principles. Except as otherwise set forth in these Terms, you expressly agree that exclusive jurisdiction for any dispute with Lifetime Income Technologies, or in any way relating to your use of the site, resides in the courts of the State of Connecticut, and you further agree and expressly consent to the exercise of personal jurisdiction in the courts of the State of Connecticut in connection with any such dispute including any claim involving Lifetime Income Technologies or its affiliates, subsidiaries, employees, contractors, officers, or directors. Any disputes arising out of or relating to these Terms or any of the additional terms referenced in Section 6 hereof shall be resolved by final and binding arbitration under the rules and auspices of the American Arbitration Association, to be held in Hartford, Connecticut, with a written decision and legal reasoning issued by the arbitrator at either party's request. The parties shall bear equally all fees, costs and expenses of the arbitration; provided that each party shall bear its own legal expenses, attorneys' fees and costs of all experts and witnesses.

Lifetime Income Technologies Website Privacy Policy

This Website Privacy Policy describes Lifetime Income Technologies, Inc.'s (“Lifetime Income Technologies's” or “our”) commitment to your privacy and explains our privacy practices, so you can make an informed decision about your use of LifetimeIncomeTechnologies.com (the “Site”) and the information that you choose to provide to us. Please read this Website Privacy Policy carefully to understand how we collect, share, and protect information about you. This Website Privacy Policy is incorporated into and is part of the Terms and Conditions of Use of this Site. The Terms and Conditions of Use include terms, such as governing choice of law and venue for dispute, that are important to this Website Privacy Policy, but in the event of any conflict between the Terms and Conditions of Use and this Website Privacy Policy (e.g., dispute resolution on privacy issues), the provisions of this Website Privacy Policy shall control as to all matters within the scope of this Website Privacy Policy. By accessing and using the Site, you agree that you have read and understand this Website Privacy Policy and that you accept and consent to the privacy practices (and any uses and disclosures of information about you) that are described in this Website Privacy Policy. Lifetime Income Technologies is committed to protecting your privacy. In order to establish and maintain your account and deliver personalized and relevant information to you through this Site, we collect certain information about you. The purpose of this Website Privacy Policy is to describe our privacy practices regarding that information. We may collect individually identifiable information about you from you when you access certain content on this site.

How We Use Information about You

  1. We may use information about you to notify you of opportunities available on or through the Site, to customize the Site content for you, to send you materials that you request from us, and for other legitimate and lawful business purposes.
  2. Data collected by our Web servers or otherwise through use of the Site is used to facilitate Site operation and system administration, to generate aggregated, non-identifiable statistical information, to monitor and analyze Site traffic and usage patterns, and to improve the content and content delivery with regard to the Site and the content, materials, opportunities, and services that we describe or make available on the Site. These data may reveal such things as the Internet Protocol address assigned to your computer, specific pages that you accessed on the Site or immediately prior to visiting the Site, and the length of time you spend at the Site, but without combining these data with other sources of information, they do not readily or individually identify you. For security reasons and to confirm the integrity of our data, however, we may combine components of these data with other sources of information that may identify you. Unless otherwise described in this Website Privacy Policy or our Terms and Conditions of Use, such identifying information will be used solely for our internal business purposes.

How We Share or Disclose Information about You

  1. In certain limited circumstances, we may disclose information about you and your usage of the Site, if we become subject to a subpoena, search warrant or court order, or if we are otherwise legally required to disclose such information. Lifetime Income Technologies may disclose information about you as necessary to establish or exercise our legal rights, to enforce the Terms and Conditions of Use to assert and defend against legal claims, in connection with a corporate transaction resulting in a transfer of the assets or line of business relating to such data, and to investigate, prevent, or take other action regarding actual or suspected illegal or fraudulent activities. Lifetime Income Technologies also may disclose such information in special cases, such as in response to a potential threat to the physical safety or well-being of you or others or to protect property.
  2. We may share aggregated demographic and behavioral information about our user base with our partners and advertisers. This information does not identify individual users.
  3. Disclaimer. We reserve the right to disclose your individually identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on the Site. We may be required to disclose personal information in response to a lawful request by public authorities, including to meet national security or law enforcement requirements.

Our Use of "Cookies"

“Cookies” are small files of data that reside on your computer and allow us to recognize you as a Lifetime Income Technologies client if you return to the Site using the same computer and browser. We send a “session cookie” to your computer if and when you visit this Site. These cookies allow us to recognize you if you visit multiple pages in this Site during the same session.

Security Practices

We use commercially reasonable methods to keep information about you that we collect or store on or through the Site safe from unauthorized access, modification or use. Because Lifetime Income Technologies respects your privacy and values your trust, the only persons to whom we give access to information about you are those who use it to provide services to you or conduct other activities described in this Website Privacy Policy. Lifetime Income Technologies maintains physical, electronic, and procedural safeguards designed to comply with applicable state and federal standards to help guard information about you and to assist us in preventing unauthorized access to that information. Nevertheless, no set of security safeguards is guaranteed to be impenetrable. We cannot and do not guarantee that communications to or from the Site, or that data transmitted or stored on or through the Site, are or will be totally secure from loss, misuse or unauthorized access by third parties.

Complaints and Questions

If you have any questions or concerns regarding the privacy of your information, please contact the Lifetime Income Technologies Privacy Officer at admin@LifetimeIncomeTechnologies.com. Lifetime Income Technologies is committed to maintaining the privacy and security of your information consistent with all applicable legal requirements and the terms of this Policy and will review all legitimate concerns.

Linked Sites

For your convenience, this Site may contain links to websites that are not operated by or affiliated with Lifetime Income Technologies. These third party websites are not under our control. We are not responsible for, and this Website Privacy Policy does not apply to, the privacy or security practices of those sites or of any companies that we do not own or control. Any information you disclose once you access these other web sites is not subject to this Website Privacy Policy. We encourage you to seek out and read the privacy policy of each website that you visit to understand how information about you is collected, used, and protected.

Changes to the Website

Privacy Policy From time to time, we may change this Website Privacy Policy and our privacy practices, because of changes in relevant and applicable legal or regulatory requirements, in our business practices, or in our attempts to better serve your needs and those of our other clients. When we do so, we will post a revised Website Privacy Policy on the Site and a new effective date below. Any such change will be effective immediately upon posting on the Site. You are responsible for checking the Website Privacy Policy for such changes.


  1. If you have any questions regarding this Website Privacy Policy, please contact Lifetime Income Technologies at Privacy Officer,Lifetime Income Technologies, Inc. 10 Larkins Way, Farmington,CT 06030, or by email at privacyofficer@LifetimeIncomeTechnologies.com.
  2. If you become aware of any breach of Site security, this Website Privacy Policy, or the Terms and Conditions of Use, please notify us immediately.



Revised: March 17, 2017