Terms of Use
Subscriber Agreement & Terms of Use
The Web site located at "www.LifeCenteredPlanners.com" "LifeCenteredPlanners.community" and Life20summit.com" ("Sites") are provided by Life Centered Planners Limited.
Your access to and use of the Sites is governed by this Subscriber Agreement ("Agreement").
As used in this Agreement, "Life Centered Planners”, “we," "us'" or "our" refers to Life Centered Planners Limited, and "you" or "your" refers to you, the user of the Site.
The Agreement below is the agreement you consented to upon purchasing a product from or subscribing to the Site.
1. Access and Passwords
As part of the subscription process for this Site, you have selected or been assigned a particular username and password in accordance with Life Centered Planners username and password guidelines.
YOU AGREE THAT YOU ARE THE ONLY INDIVIDUAL ENTITLED TO ACCESS THE SITE USING YOUR USERNAME OR PASSWORD, AND YOU AGREE NOT TO PERMIT OTHERS TO ACCESS THE SITE USING YOUR USERNAME OR PASSWORD.
You agree that all actions taken by you, or any other user that accesses the Site using your username and password, at or through the Site will be attributed to and legally bind you, even with respect to acts for which the user had no actual authority or made an error. You assume all resulting liability from use of the Site and any services available on it by you or others using your username or password. If you lose your username or password, please contact us at: [email protected].
2. Subscription Fees and Payments
You can always find the current Subscription Fees posted on our site for each product. For monthly subscriptions, your subscription will continue and renew automatically, unless terminated by Life Centered Planners or until you notify Life Centered Planners by following the secure automated cancellation procedure designated for that product on the Site of your decision to terminate your subscription. If there are any annual, monthly, or similar periodic fees for your subscription, these fees will be billed automatically to the credit card designated during the registration process for the Site or subsequently designated by you to Life Centered Planners, at the start of the annual, monthly, or similar period, and at the start of each renewal period, unless you terminate your subscription before the relevant period begins. You agree to pay or have paid all fees and charges incurred in connection with your username and password for the Site (including any applicable taxes) at the rates in effect when the charges were incurred. All fees and charges are nonrefundable. Life Centered Planners may change the fees and charges then in effect, or add new fees or charges, by giving you notice in advance. All fees and charges incurred in connection with your Life Centered Planners username and password will be billed to the credit card designated during the registration process for the Site or subsequently designated by you to Life Centered Planners. If you want to designate a different card or there is a change in credit card validity or expiration date, or if you believe someone has accessed the Site using your username and password without your authorisation, you may email us at [email protected]. You are also responsible for any fees or charges incurred to access the Site through an Internet service provider or other third party service. YOU, AND NOT LIFE CENTERED PLANNERS, ARE RESPONSIBLE FOR PAYING ANY AMOUNTS BILLED TO YOUR CREDIT CARD BY A THIRD PARTY WHICH WERE NOT AUTHORISED BY YOU.
3. Privacy
Our Privacy Policy Notice is a part of this Agreement and its terms are incorporated herein by this reference. Please read it now here.
4. User Conduct
The Site may contain bulletin board services, news groups, forums, and/or other message or communication facilities ("Communication Services") designed to enable you to communicate with others. You agree to use the Communication Services only to submit or post messages and material that are proper and, when applicable, related to the particular Communication Service. You are also prohibited from submitting to, posting or transmitting through Life Centered Planners any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, sexually explicit, profane, hateful, racially, ethnically, or otherwise objectionable material of any kind, including but not limited to any material that encourages conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law. Content that consists of or contains software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam" is prohibited. You may not use a false email or postal address, impersonate any person or entity, or otherwise mislead as to the origin of your posted content.
Any opinions, advice, statements, services, offers, or other information that constitutes part of the content expressed or made available by third parties are those of the respective authors or distributors and not of Life Centered Planners nor its affiliates, not any of their officers, directors, employees, or agents. You acknowledge that Life Centered Planners does not pre-screen all content, but that Life Centered Planners and its designees shall have the right (but not the obligation) in their sole discretion to refuse or move any content that is made available via the Communication Services. Without limiting the foregoing, Life Centered Planners and its designees shall have the right to remove any content that violates this Agreement or is otherwise objectionable. You specifically agree that Life Centered Planners is not responsible for any content sent using and/or included in the Site by any third party.
5. Copyright and Restrictions
Life-Centered Planners® and Life-Centered Planning® are registered trademarks of Advisor Insights, LLC used under licence by Life Centered Planners Limited.
This Web site and any associated websites, landing pages and/or blog pages containing Life Centered Planners copyright contains proprietary material of Life Centered Planners (or material that other suppliers have licensed to Life Centered Planners for their use) which is protected by copyright and other laws respecting proprietary rights. Life Centered Planners retains all rights in the material and media, including (without limitation) all copyright and other proprietary rights worldwide in all media.
You may not use Life Centered Planners material except as expressly permitted under this Agreement and under United Kingdom copyright laws. Any routine and/or systematic redistribution of any portion of the information products licensed herein is expressly prohibited.
If you are a trainer or coach you are NOT PERMITTED to use, copy, adapt or otherwise deploy any of the content of this site without the express written permission of Inspiring Advisers. Failure to obtain permission will result in legal proceedings.
End users who are duly authorised may access the Site for individual use, i.e., may view the information on screen; may download small portions of the information to a computer disk for personal convenience and later reference; and may print paper copies of small portions for personal use only.
The rights granted here are an expansion of the rights granted under the Copyright Act and do not include any rights to reproduce in its entirety any portion of the information or materials contained therein. No part of the information may be duplicated in any medium or format beyond the express terms of this Agreement without prior written authorisation from Life Centered Planners. Any use not authorised by the Agreement is prohibited.
You acknowledge that the information (and the licensed materials contained therein) is highly proprietary in nature and that unauthorised copying, transfer or use may cause Life Centered Planners and/or Life Centered Planners’ suppliers irreparable injury that cannot be adequately compensated for by means of monetary damages. You agree that any breach of this provision by you, or any subscriber or end-user, may be enforced by Life Centered Planners, and/or any of Life Centered Planners’ suppliers, by means of equitable relief (including, but not limited to, injunctive relief) in addition to any other available rights and remedies.
You agree that any supplier of any portion of the licensed materials may enforce its rights against you, even though that supplier is not a party to the Agreement.
You may not and may not permit others to: reproduce, publish, distribute, sell, or otherwise access or use any material retrieved from or contained in or on this Site in any manner whatsoever that may infringe any copyright or proprietary interest of Life Centered Planners; distribute the information contained in and/on this Site to other users not duly authorised to Access the Site; distribute, rent, sublicense, lease, transfer or assign the information or Agreement; decompile, disassemble, or otherwise reverse-engineer this Site or information contained in or on this Site or any software contained therein, or alter, translate, modify, or adapt it to create derivative works. Unauthorised reproduction, transfer, and/or use may be a violation of criminal as well as civil law.
You are expressly prohibited from placing or installing any portion of the information on any electronic media, including, but not limited to, local or wide area networks, timesharing services, multiple processing units, multiple site arrangements, service or software rental bureaus, list servers, online services, electronic bulletin boards or forums, World Wide Web sites or any other server that is Internet-enabled, without written authorisation by Life Centered Planners.
If you breach any provision of this Agreement, Life Centered Planners may immediately terminate this Agreement and all licenses granted hereunder without prior notice and in addition to any other available rights and remedies.
We take the protection of our copyright very seriously. If we discover that you have breached the terms of this agreement, we may bring legal proceedings against you and seek monetary damages and/or an injunction to stop you using our materials. You could also be ordered to pay our legal costs.
6. Accuracy and Availability of Information
The Site contains database information and other content compiled by Life Centered Planners. While we use commercially reasonable efforts to provide accurate information, Life Centered Planners gives no warranty as to the accuracy of the database and other content on the Site. Life Centered Planners reserves the right to withdraw or delete information or content from the Site at any time.
7. Links to Third Party Sites
Life Centered Planners does not endorse the content on any third-party Web site, including Web sites of Life Centered Planners' affiliates ("Third-Party Sites"). Life Centered Planners is not responsible for the content of Third-Party Sites that you reach through links on the Site, sites framed within the Site, or third-party advertisements on the Site, and we do not make any representations regarding their content or accuracy. Your use of Third-Party Sites is at your own risk and subject to the terms and conditions of use for such sites. Any transaction that you conduct at a Third-Party site will be between you and the party providing that Web site. This means that Life Centered Planners is not your agent and is not a party to any transaction at a Third-Party Site.
8. Representations and Warranties
You represent and warrant to Life Centered Planners that: (a) you possess the legal right and ability to enter into this Agreement; (b) all information submitted by you to the Site is true and accurate; (c) you will be responsible for all use of your username and password even if such use was conducted without your authority or permission; (d) you are at least 18 years old; and (e) you will not use the Site for any purpose that is unlawful or prohibited by this Agreement.
9. Disclaimer of Warranties
ALL CONTENT, SOFTWARE, AND OTHER SERVICES PROVIDED AT OR FOUND WITHIN THIS SITE BY LIFE CENTERED PLANNERS AND ITS AFFILIATES ARE PROVIDED "AS IS" AND "WITH ALL FAULTS," WITHOUT WARRANTIES OF ANY KIND, AND LIFE CENTERED PLANNERS AND ITS AFFILIATES HEREBY DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NONINFRINGEMENT. SPECIFICALLY, BUT WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, LIFE CENTERED PLANNERS DOES NOT MAKE ANY WARRANTIES REGARDING THE FOLLOWING: (a) AVAILABILITY OF THE SITE AT ANY PARTICULAR TIME; (b) ACCURACY OF THE CONTENT OR HOW CURRENT ANY CONTENT IS THAT IS FOUND ON THE SITE; (c) TRANSMISSIONS TO, FROM OR WITHIN THE SITE; (d) FUNCTIONALITY; (e) LACK OF VIRUSES; (f) COMPLIANCE OF THE SOFTWARE, SERVICES AND CONTENT PROVIDED UNDER THIS AGREEMENT WITH UNITED KINGDOM LAWS; OR (g) THAT THE SOFTWARE, CONTENT OR SERVICES CONTAINED IN THE SITE WILL MEET ANY PARTICULAR CRITERIA OF PERFORMANCE OR QUALITY (f) THAT USERS OF THIS SITE WHO ARE REGULATED FINANCIAL ADVISERS AND/OR FINANCIAL PLANNERS ARE SOLELY RESPONSIBLE FOR ADVICE PROVIDED TO THEIR CLIENTS AND NOTHING IN THIS AGREEMENT OR WEBSITE SHALL PLACE ANY LIABILITY ON LIFE CENTERED PLANNERS FOR ANY ADVICE GIVEN.
10. Limitation of Damages
IN NO EVENT WILL LIFE CENTERED PLANNERS OR ANY OF ITS AFFILIATES BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, INCIDENTAL, OR SPECIAL DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF OR UNAUTHORISED ACCESS TO INFORMATION, AND THE LIKE, EVEN IN THE EVENT OF FAULT, TORT, BREACH OF CONTRACT, OR BREACH OF WARRANTY, AND EVEN IF LIFE CENTERED PLANNERS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
11. Limitation of Liability; Exclusive Remedy
ALSO, IN NO EVENT WILL LIFE CENTERED PLANNERS OR ANY OF ITS AFFILIATES BE LIABLE TO YOU AND/OR ANY AGENCY FOR ANY AMOUNT IN EXCESS OF THE TOTAL AMOUNT ACTUALLY RECEIVED BY LIFE CENTERED PLANNERS FROM YOU FOR ACCESS TO THE SITE AND ANY OF THE SERVICES AVAILABLE AT THE SITE DURING THE YEAR PRIOR TO YOUR CLAIM.
12. Indemnity
You agree to indemnify and hold us harmless, and pay our legal fees and costs, if we become liable for or incur any damages in connection with your breach of this Agreement. You may not settle any dispute without our prior consent, which may only be given in a non-electronic writing signed by an authorised representative of Life Centered Planners.
13. Consent to Electronic Notices and Other Communications
You agree that all of your transactions relating to the Site may, at our option, be conducted electronically, including any that we are otherwise required to provide in "writing". For example, we may send you notices via postings at the Site or via email to any email address that you provide to us during registration as a Site member. If you do not wish to deal with us electronically, you should not use the Site or enter into this Agreement. If applicable law now or later requires us to communicate with you non-electronically, we reserve the right to charge a fee for doing so. Notice will be deemed given 24 hours after the email is sent, unless (for email) we are notified that the email address is invalid. Alternatively, we may give you notice by mail to the address provided during registration.
14. Print a Copy for Your Records
You agree to print or make an electronic copy of this Agreement (and any amendment from time to time) and retain it in your records. You also agree to make a copy of any other information that we deliver to you in writing.
15. Termination
Life Centered Planners may terminate your subscription and/or access, or suspend access to all or part of the Site, without notice, for any conduct that Life Centered Planners, in its sole discretion, believes is in violation of this Agreement, any applicable law, or any act which is harmful to the interests of another user, service provider, or Life Centered Planners. Life Centered Planners may also elect not to renew your subscription and access by providing a notice of nonrenewal prior to the end of your current subscription term. Applicable sections of this agreement will survive any termination or expiration of this Agreement.
IMPORTANT: If you require to cancel your membership or subscription to any product you can do so at any time by following the instructions contained in the Frequently Asked Questions (FAQ) section of the relevant product or go to your settings on the Member Portal. This ensures secure cancellation of your payment mechanism.
16. Assignment
You agree not to assign your rights under this Agreement without the consent of an authorised representative of Life Centered Planners in a non-electronic record, and any assignment without Life Centered Planners' consent will be voidable at Life Centered Planners' option. This Agreement will inure to the benefit of and bind the parties' respective successors and permitted assigns.
17. Applicable Law and Disputes
This Agreement is governed by English law, without regard to principles of conflict of laws.
Any disputes will be resolved as follows:
If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the United Kingdom. Any costs and fees other than legal fees associated with the mediation will be shared equally by each of us.
If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.
18. Amendments
Life Centered Planners may change the provisions of this Agreement. When Life Centered Planners changes the terms of this Agreement, Life Centered Planners will notify you by email or online postings on this Site. The changes will also appear in this document, which you can access any time. You already agreed to be bound by the changes when you first subscribed to the site. If you do not agree to be bound by the changes, you should not use the Site again and you should cancel your subscription to the Site. Even if you have not clicked on the "I Agree" button or checked the I agree box when subscribing, if you use the Site after you have been notified of a change to this Agreement, you are agreeing now to be bound by that change.
19. Entire Agreement; Severability; No Waiver
This Agreement (including all documents incorporated by reference) is the entire agreement between the parties for its subject matter and supercedes all prior and contemporaneous communications between the parties. No term of this Agreement may be waived by Life Centered Planners except in a signed, non-electronic writing signed by an authorised representative of Life Centered Planners.
20. General
If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties agree that its remaining provisions will remain in full force and effect, provided that the allocation of risks described herein is given effect to the fullest extent possible. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. You agree that no joint venture, partnership, employment or agency relationship exists between you and Life Centered Planners or its affiliates as a result of this Agreement or your use of the Site.