Terms and Conditions for www.iflagents.com

In using this website and/or subscribing to the use of our Materials and Services you are deemed to have read and agreed to the following terms and conditions:

The following terminology applies to these Terms and Conditions:  “Customer”, “Subscribers”, “You” and “Your” refers to you, the person accessing this website and subscribing to any or all of the offerings contained herein.  “We”, “Us”, “Our” and “Company” refers to IFL Plan, Inc. “Herein” refers to this website.  “Service” and “Materials” refers to any and all of the materials and services contained in this website that are made available to IFL Members and subscribers to The IFL Solution.  Any use of the above terminology or other words in the singular, plural, capitalization and or he/she or they, are taken as interchangeable and therefore as referring to the
same.

Use of Materials

Authorized Users and Subscribers may use all materials made available to IFL Members as described and contained in this website for the purposes of education, training and conducting their business activities as related to the offerings herein.  IFL Members may:
a. Display the materials on screen.
b. Make printouts of articles that appear on the website.
c. Download and store The IFL Solution Client Presentation and accompanying Customized Calculator Software on the computer they use to conduct their business.  The use of these materials is restricted to IFL Members only.

Restrictions on Use

Authorized Users and Subscribers may not:
a. Make printouts or copies of Materials for distribution to Unauthorized Persons.  An Unauthorized Person is anyone who is not a IFL Member, which requires a fully paid current subscription to The IFL Solution, or an employee or authorized associate of IFL Plan, Inc.
b. Re-sell any of the services or materials contained herein or accessed through this website.
c. Make the Service or any Materials available to Unauthorized Persons on a local area network, a wide area network or on any intranet or extranet.
d. Abstract, download, store, reproduce, transmit, display, copy, distribute or use the Materials other than as permitted in Use of Materials above.
e. Recompile, disassemble or reverse engineer any of the software programs, or other Materials contained herein and offered as part of The IFL Solution.
f. Use the Service and Materials for any illegal purposes.

User Names, Passwords and Security

Usernames and Passwords may not be made available to Unauthorized Persons for the purpose of using the Service and Materials.  If we suspect that an IFL Member is permitting Unauthorized Persons to use their username and password, we may, at our sole discretion, cancel the IFL Member subscription without notice.

Billing

All Subscribers will be automatically billed on the first day of the new billing cycle.  Company will charge the credit card that was used at time of initial purchase on the first day of the new billing cycle. 
Monthly Subscribers will be billed every 30 days starting from initial date of purchase.
Customer may cancel their subscription at any time.  After cancellation of their subscription they will incur no further charges to their credit card and will continue to have access to all IFL Member Services and Materials until the end of their current billing cycle.
If customer wishes to change the credit card used for auto-bill payments, they must contact IFL Customer Service.

Site Uptime

We take all reasonable steps to ensure that this website is available 24 hours every day, 365 days per year.  However, websites do sometimes encounter downtime due to server and other technical issues. Therefore we will not be liable if this website is unavailable at any time.
This website may be temporarily unavailable due to issues such as system failure, maintenance or repair or for reasons beyond our control. Where possible we will try to give IFL Members advance warning of maintenance issues but shall not be obliged to do so.

Links to and from Other Websites

Any links to third party websites located on this website are provided for your
convenience only.  We have not reviewed each third party website and have no responsibility for such third party websites or their content.  We do not endorse the third party websites or make representations about them or any material contained in them.  If you choose to access a third party website linked to from this website, it is at your own risk. 
It is expressly forbidden to link to this website without written consent from IFL Plan, Inc.

Content

The Materials and information included in the Service are provided for illustration and educational purpose only.  They are not intended as any type of financial or tax advice and should not be considered as a substitute for professional financial or tax advice. 
We take all reasonable steps to ensure that the information on this website and in our Materials is correct.  However, we do not guarantee the correctness or completeness of the Materials or website.  Our Materials and information on this website may be out of date or even possibly incorrect and we make no commitment to ensure that such material is correct or up to date.
Materials and Services may be changed, added to and removed from the website and Subscriber software without notice.

Disclaimer
Exclusions and Limitations

The information contained in this web site is provided on an “as is” basis. The Material is provided without any conditions or warranties of any kind. 
To the fullest extent permitted by law we provide access and use of this website, Materials and Services on the basis that we: 
- Exclude all representations and warranties relating to this website and its contents or which is or may be provided by any affiliates or any other third party, including in relation to any inaccuracies or omissions in this website and/or the Company’s Materials and Services.
- Exclude all liability for damages arising out of or in connection with your use of this website. This includes, without limitation, direct loss, loss of business or profits (whether or not the loss of such profits was foreseeable, arose in the normal course of things or you have advised this Company of the possibility of such potential loss), damage caused to your computer, computer software, systems and programs and the data thereon or any other direct or indirect, consequential and incidental damages.
Neither we nor any other party (whether or not involved in producing, maintaining or delivering this website), shall be liable or responsible for any kind of loss or damage that may result to you or a third party as a result of your or their use of our website or actions that take place outside of our website as a result of parties being introduced via our website. This exclusion shall include servicing or repair costs and, without limitation, any other direct, indirect or consequential loss.
The above exclusions and limitations apply only to the extent permitted by law. None of your statutory rights as a consumer are affected.

Intellectual Property Rights

Copyrights, Trademarks and other relevant intellectual property rights exist on all Materials contained in this website.
All intellectual property rights and other rights in the Service and Materials belong to IFL Plan, Inc. or their respective third party licensors. Authorized Users and Subscribers acquire no proprietary interest in the Service or Materials and except as expressly permitted by these terms and conditions, may not use the Service or the Materials in any way that infringes the intellectual property rights in them.
Authorized Users and Subscribers may not obscure or remove any copyright notices

Jurisdiction

These Terms and Conditions shall be interpreted in accordance with the Laws of the State of California and the federal laws of the United States.  Any dispute shall be remedied in the state and federal courts of Los Angeles County California.
If any of these Terms and Conditions are deemed to be unenforceable, it will not affect the enforceability of any of the other Terms and Conditions.