Thanks for using Life Design Analysis Inc. Please read these Terms carefully. By using Life Design Analysis Inc. or signing up for an account, you're agreeing to these Terms. This is a legal agreement.

We'll start with the basics, including a few definitions that should help you understand this agreement. Life Design Analysis Inc. ('Life Design Analysis Inc.', 'LDA' or the 'Service') is an web service offered through the URL www.lifedesignanalysis.com (we'll refer to it as the 'Website') that allows you to create, manage, and analyze life and related insurance product presentations (each presentation is called a 'presentation') to individual recipients. Life Design Analysis Inc. is owned and operated by 'Life Design Analysis Inc.' 'we' or 'us'). Life Design Analysis Inc. has employees, independent contractors, and representatives ('our Team'). As a customer of the Service or a representative of an entity that's a customer of the 'Member' according to this agreement (or 'you').

These Terms of Use ('Terms', including our Privacy Policy, define the terms and conditions under which you're allowed to use Life Design Analysis Inc. and how we'll treat your account while you're a Member. If you have any questions about our terms, feel free to contact us.

ACCOUNT

1. ELIGIBILITY

To use Life Design Analysis Inc., you must:

1. be at least eighteen (18) years old and able to enter contracts;
2. complete the registration process;
3. agree to the Terms; and
4. provide true, complete, and up to date contact information.

By using Life Design Analysis Inc., you represent and warrant that you meet all the requirements listed above, and that you won't use Life Design Analysis Inc. in a way that violates any laws or regulations. Life Design Analysis Inc. may refuse service, close accounts of any users, and change eligibility requirements at any time.

Represent and Warrant 'Representing and warranting' is like making a legally enforceable promise.

2. TERM

The Term begins when you sign up for Life Design Analysis Inc. and continues as long as you use the Service. Clicking the button and entering your username means that you've officially 'signed' the Terms. If you sign up for Life Design Analysis Inc. on behalf of a company or other entity, you represent and warrant that you have the authority to accept these Terms on their behalf.

3. CLOSING YOUR ACCOUNT

You or Life Design Analysis Inc. may terminate this Agreement at any time and for any reason by giving seven days’ Notice to the other party. We may suspend our Service to you at any time, with or without cause. We won't refund or reimburse you if there's termination for cause. Once terminated, we may permanently delete your account and all the data associated with it, including your emails from our Website. If your account is inactive for 12 or more months we may permanently delete the account and all the data associated with it.

At contract termination, you have ninety (90) days to request temporary access to LDA to facilitate extracting your data in a format that is non-proprietary to the LDA system. After you receive this data, it is permanently destroyed on LDA’s systems.

4. CHANGES

We may change any of the Terms by posting revised Terms of Use on our Website and/or by sending an email to the last email address you gave us. Unless you terminate your account within ten (10) days, the new Terms will be effective immediately and apply to any continued or new use of Life Design Analysis Inc. We may change the Website, the Service, or any features of the Service at any time.

5. ACCOUNT AND PASSWORD

Each account is intended for use by one individual and accounts and passwords should not be shared amongst different users. Each user is responsible for keeping your account name and password confidential. You are also responsible for any account that you have access to, whether or not you authorized the use. You will immediately notify us of any unauthorized use of your accounts. We are not responsible for any losses due to stolen or hacked passwords. We don't have access to your current password, and for security reasons, we may only reset your password. If we detect any suspicious use we will proactively force a password reset.

6. ACCOUNT DISPUTES

We don't know the inner workings of your organization or the nature of your personal relationships, and we don't arbitrate disputes over who owns an account. You won't request access to or information about an account that's not yours. We rely on the contact information listed for that account.

PAYMENT

7. INDIVIDUAL MONTHLY PLANS

Our charges for monthly plans are posted on our Website and may be changed from time to time. If any part of a month is included in the Term, then payment is due for the full month. Payments are due for any month on the same date, or the closest date in that month, to the day you signed up with us and made your first monthly payment (the 'Pay Date). There are no refunds for subscriptions terminated part way through a month. You have full access to manage your subscriptions via the my subscriptions area https://lifedesignanalysis.com/subscription/manage/

8. INDIVIDUAL ANNUAL PLANS

Our charges for annual plans are posted on our Website and may be changed from time to time. Payments are due for the full year on the same date, or the closest date in that month, to the day you signed up with us and made your first annual payment (the 'Pay Date'). You will be notified about your renewal via email two times prior to the renewal being automatically processed, at one (1) month prior to renewal and three (3) days prior to renewal. You have full access in your account settings to modify or cancel your subscription at https://lifedesignanalysis.com/subscription/manage/. There are no refunds offered for early termination. Should you wish to cancel your subscription and fail to either cancel yourself or notify us of your intent to cancel we will allow cancellation up to 30 days after the renewal date and refund nine (9) months of the annual subscription fee. Active subscriptions may be transferred to another user by sending us the details of the change.

9. CORPORATE/ENTERPRISE PLANS

Our charges for annual plans are posted on our Website and may be changed from time to time. Payments are due for the full year on the same date, or the closest date in that month, to the day you signed up with us and made your first annual payment (the 'Pay Date'). You will be invoiced approximately thirty (30) days prior to your renewal via email. There are no refunds offered for early termination. Should you wish to cancel your subscription and fail to either cancel yourself or notify us of your intent to cancel we will allow cancellation up to 30 days after the renewal date and refund nine (9) months of the annual subscription fee. Active subscriptions may be transferred to another user by sending us the details of the change.

10. BILLING

Payment can be made by credit card or by invoice. If you are a Member or have an outstanding balance with us, you will provide us with valid billing details. In the case of credit card billing you authorize us to deduct the monthly charges against that credit card. You'll replace the information for any credit card that expires with information for a different valid credit card. Anyone using a credit card represents and warrants that he or she is authorized to use that credit card and that any and all charges may be billed to that credit card and won't be rejected. If for some reason, we're unable to process your credit card order, we'll try to contact you by email and suspend your account until your payment can be processed. If a payment is declined we will re-attempt three times to mitigate any interruption in service.

11. CHANGES

We may change our fees at any time by posting a new pricing structure to our Website and/or sending you a notification by email.

RIGHTS

12. PROPRIETARY RIGHTS OWNED BY US

You shall respect our proprietary rights in the Website and the software used to provide Life Design Analysis Inc. (proprietary rights include patents, trademarks, service marks, and copyrights). You may only use our brand assets according to our Brand Guidelines.

13. PROPRIETARY RIGHTS OWNED BY YOU

You represent and warrant that you either own or have permission to use all of the material in your presentations. You retain ownership of the materials you upload to the Service. We may use or disclose your materials only as we describe in these Terms and our Privacy Policy.

14. THIRD PARTY DATA

Life Design Analysis (LDA) may host information provided by a third party. This information will typically contain insurance policy details provided through an insurance carrier, distributor or an MGA. This information is hosted on behalf of Client in connection with the provision of SaaS Application services to Client. All information and data hosted by LDA is stored and backed up only in Canada and is secured by the implementation and practice of industry-standard or superior security and data protection measures at each of LDA and any third party subcontracted by LDA in the course of providing the Service. Hosting of this information authorizes the following: (i) installing a copy of Information on LDA’s computer system for use with the LDA Software; (ii) temporarily reading a copy of Information into computer memory for use with the LDA Software; (iii) delivering Information back to Client through use of the LDA Software; (iv) storing Information for Client’s use with the LDA Software; and (v) making archival copies of the Information in connection with LDAs routine archival copy practices of its computer systems. At all times, LDA may only install, copy or store Information in computer readable form that is secured for use or access solely for the benefit of Client. Information that is provided by the client through another third party, and hosted by LDA, is governed by any terms of use policy between the client and their third party data provider. The client has full control to add, edit or remove any third party data they control within LDA. Third party insurance information will be accessed by LDA by secure FTP site or via other such other secure methods. Insurance data will only be accessible to an advisor through the LDA application based on defined client rules.

RULES AND ABUSE

15. GENERAL RULES

You promise to follow these rules:

1. You won't send Spam! By 'spam,' we mean the definition on the Spamhaus website.
2. You won't use purchased, rented, or third-party lists of email addresses.

Spam in short means 'unsolicited bulk email.' If you send people mass email without their permission, you're spamming.

16. REPORTING ABUSE

If you think anyone is violating any of these Terms, please notify us immediately. If you received spam you think came from a Life Design Analysis Inc. user, we want to hear about it. Please report it to our info@lifedesignanalysis.com. If you think anyone has posted material that violates any copyrights, then you may notify us according to our Copyright Policy.

17. COMPLIANCE WITH LAWS

You represent and warrant that your use of Life Design Analysis Inc. will comply with all applicable laws and regulations. The parties to this Agreement shall comply with their respective obligations pursuant to the Personal Information Protection and Electronic Documents Act (Canada) and the Gramm-Leach-Bliley Act (United States of America) (the 'Privacy Laws'), as applicable.

You're responsible for determining whether our Services are suitable for you to use in light of any regulations like HIPAA, GLB, EU Data Privacy Laws, or other laws. If you're subject to regulations (like HIPAA) and you use our Service, then we won't be liable if our Service doesn't meet those requirements. If you're located in the European Economic Area (EEA) or send to anyone in the EEA, you represent and warrant that in creating your Email distribution list, sending Emails via Life Design Analysis Inc., and collecting information as a result of sending Emails, you:

1. Will clearly describe in writing how you plan to use any data collected, including for your use of Life Design Analysis Inc.. You'll get express consent to transfer data to Life Design Analysis Inc. as part of this process, and you'll otherwise comply with whatever privacy policy you have posted.

2. Have complied, and will comply, with all regulations, as well as data protection, electronic communication, and privacy laws that apply to the countries where you're sending any form of email through Life Design Analysis Inc.

3. Have collected, stored, used, and transferred all data relating to any individual in compliance with all data protection laws and regulations. You have the necessary permission to allow Life Design Analysis Inc. to receive and process data and send communications to that individual on your behalf.

4. Agree to indemnify and hold us harmless from any losses, including attorney fees, that result from your breach of any part of these warranties. European Economic Area; This applies to people who are sending to or from the European Economic Area. The EEA includes countries that are part of the European Union, plus Iceland, Liechtenstein, and Norway.

5. CSAE 3416/ SOC Type II reports will to be provided when available.

18. U.S. EXPORT CONTROLS

The software that supports the Services (the 'Software') is subject to United States export controls. None of the Software may be downloaded or otherwise exported or re-exported in violation of United States export laws. You're downloading and using the Software at your own risk.

Export Controls - Export laws are set up by the government to keep certain goods and services from reaching other countries, usually because of security concerns or trade agreements.

LIABILITY

19. LIMITATION OF LIABILITY

To the maximum extent permitted by law, you assume full responsibility for any loss that results from your use of the Website and the Services, including any downloads from the Website. We and our Team won't be liable for any indirect, punitive, special, or consequential damages under any circumstances, even if they're based on negligence or we've been advised of the possibility of those damages. Our total liability for all claims made about the Service in any month will be no more than what you paid us for the Service the month before.

20. NO WARRANTIES

To the maximum extent permitted by law, we provide the material on the Website and the Service as is. That means we don't provide warranties of any kind, either express or implied, including but not limited to warranties of merchantability and fitness for a particular purpose.

Warranties of Merchantability - Since people use Life Design Analysis Inc. for a variety of reasons, we can't guarantee that it will meet your specific needs. But we hope it does!

21. INDEMNITY

You agree to indemnify and hold us and our Team harmless from any losses (including attorney fees) that result from any claims you make that aren't allowed under these Terms due to a

Indemnity is an agreement to compensate someone for a loss.

22. ATTORNEY FEES

If we file an action against you claiming you breached these Terms and we prevail, we're entitled to recover reasonable attorney fees and any damages or other relief we may be awarded.

23. EQUITABLE RELIEF

If you violate these Terms then we may seek injunctive relief (meaning we may request a court order to stop you) or other equitable relief.

24. SUBPOENA FEES

If we have to provide information in response to a subpoena related to your account, then we may charge you for our costs. These fees may include attorney and employee time spent retrieving the records, preparing documents, and participating in a deposition.

25. DISCLAIMERS

We and our Team aren't responsible for the behaviour of any advertisers, linked websites, or other Members.

FINE PRINT

26. ASSIGNMENTS

You may not assign any of your rights under this agreement to anyone else without our authorization. We may assign our rights to any other individual or entity at our discretion by providing fifteen (15) days notice.

27. CHOICE OF LAW

The province of Ontario's laws, except for conflict of laws rules, will apply to any dispute related to these Terms or the Service. Any dispute related to the Terms, the Privacy Policy, or the Service itself will be decided by the provincial and federal courts in London Ontario Canada, and each party will be subject to the jurisdiction of those courts.

28. FORCE MAJEURE

We won't be held liable for any delays or failure in performance of any part of the Service, from any cause beyond our control. This includes, but is not limited to, acts of God, changes to law or regulations, embargoes, war, terrorist acts, riots, fires, earthquakes, nuclear accidents, zombie apocalypse, floods, strikes, power blackouts, volcanic action, unusually severe weather conditions, and acts of hackers or third-party internet service providers.

29. SURVIVABILITY

Even if this Agreement is terminated, the following sections will continue to apply: Proprietary Rights Owned by Us, Proprietary Rights Owned by You, Compliance with Laws, Limitation of Liability, No Warranties, Indemnity, Choice of Law, Severability, and Entire Agreement.

30. SEVERABILITY

If it turns out that a section of this Agreement isn't enforceable, then that section will be removed or edited as little as necessary, and the rest of the Terms will still be valid.

31. INTERPRETATION

The headers are provided only to make this agreement easier to read and understand. The fact that we wrote these Terms won't affect the way this Agreement is interpreted.

32. AMENDMENTS AND WAIVER

Amendments or changes to these Terms won't be effective until we post revised Terms on the Website. That aside, additional terms may apply to certain features of the Service (the 'Additional Terms'). The Additional Terms will be considered incorporated into these Terms when you activate the feature. Where there's a conflict between these Terms and the Additional Terms, the Additional Terms will control. If we don't immediately take action on a violation of these Terms, we're not giving up any rights under the Terms, and we may still take action at some point.

33. NO CHANGES IN TERMS AT REQUEST OF MEMBER

Because we have so many Members, we can't change these Terms for any one Member or group. If we did that, keeping up with the changes would be a logistical nightmare. So no changes, no exceptions.

34. FURTHER ACTIONS

You'll provide all documents and take any actions necessary to meet your obligations under these Terms.

35. NOTIFICATION OF SECURITY BREACH

In the event of a security breach, we'll notify you of the breach and provide a description of what happened. If we determine, and notify you, that you need to forward all or part of that information to anyone on your Lists, you'll promptly do it.

36. NOTICES

Any notice to you will be effective when we send it to the last email or physical address you gave us or posted on our Website. Any notice to us will be effective when delivered to us along with a copy to our legal counsel: Attn. Legal Department, Life Design Analysis Inc., 300 Wellington Street, London ON, N6B 2L5, Suite 200, or any addresses as we may later post on the Website.

37. ENTIRE AGREEMENT

These Terms, plus our Privacy Policy (all of which are incorporated into these Terms by reference), and any Additional Terms you've agreed to make up the entire agreement and supersede all prior agreements, representations, and understandings.

Last Updated: Feb 18th, 2020

Last Review : May 11th, 2022