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TERMS AND CONDITIONS OF USE

This Agreement states the “Terms and Conditions” under which you may use the websites and services of 4Structures.com, LLC (“4Structures.com”), 4Structures.com and 4Structures-espanol.com. Please read this Agreement carefully. Your use and access to the information, contents and services on these websites, as further defined below, is conditioned upon your acceptance without modification of these Terms and Conditions of Use ("Agreement"). In continuing to access or use these websites and/or services, you intend to be bound by the terms of this Agreement and by so doing indicate that you have had an opportunity to review the terms of this Agreement and understand and intend that this Agreement is a legally binding contract and the equivalent of a signed, written contract. The terms “You” and “User” as used herein refer to all individuals and/or entities accessing these websites for any reason.

Pursuant to Connecticut Public Act No. 02-68 (An Act Concerning the Connecticut Uniform Electronic Transactions Act), you agree to conduct this and all future transactions with 4Structures.com by electronic means until you provide 4Structures.com with written notice of your refusal to conduct further transactions by electronic means. You agree to use all 4Structures.com Services and the Website in a manner consistent with applicable laws and regulations in accordance with the terms and conditions of this Agreement and any other applicable 4Structures.com rules and guidelines, as amended from time to time. You understand, accept, have had an opportunity to review, and have received this Agreement and its terms and conditions and acknowledge and demonstrate that you can access the Agreement and other disclosures and regulatory materials on our Website.

This Agreement applies to all portions of the 4Structures.com and 4Structures-espanol.com websites, including all information, content, 4Structures.com’s computers and networks which are accessible externally, products and services accessible through 4Structures.com, its licensors and affiliates, or third party providers used by 4Structures.com, 4Structures.com’s actual web pages and related computer programs, including all source code and object code, 4Structures.com’s proprietary services including the Client Zone™ (“Services”), and any other electronic, computer, telephonic or wireless products, services or information system provided by 4Structures.com now or in the future (collectively, the “Website”).

REGISTRATION INFORMATION AND PRIVACY

4Structures.com is committed to safeguarding customer information. 4Structures.com will not share nonpublic information about you with third parties without your consent, except as explained in our Privacy Policy, the terms of which are incorporated herein by reference. When you register for Services, we may ask you to give us certain identifying information ("Registration"). You agree to provide true, accurate, current and complete information about yourself. You also agree not to impersonate any person or entity, misrepresent any affiliation with another person, entity or association, use false headers or otherwise conceal your identity from 4Structures.com for any purpose. You also represent that you have the requisite authority to enter into a binding legal contract for the Services, and make payment for such Services, individually or on behalf of any entity, partnership, association or other organization as a partner, officer, director employee or agent with actual authority to so act on behalf of the entity, partnership, association or other organization for whom you have provided Registration information. For your protection and the protection of our other customers and users, we ask you not to share your registration information (including passwords, usernames, and screen names) with any other person for the purpose of facilitating their access and unauthorized use of our Services. You alone are responsible for all messages posted, statements made, or acts or omissions that occur within the Website through the use of your registration and access information, whether or not authorized by you. If you believe that someone has used your registration information to access the Website without your authorization, please contact us immediately at 203-325-8640 or jdarer@4structures.com.

SERVICES

This section, “Services”, applies only to persons seeking to access Services (i.e. “Client Zone™”). The “I Agree” and “Cancel” buttons referenced in this section will only appear below if you are registering for Services.

The sole method of subscribing to Services is by contacting 4Structures.com, providing certain registration information, obtaining a user name and password, payment of any required fees, and agreeing to the Terms and Conditions of Use by clicking on the “I Agree” below. BY CLICKING "I AGREE" YOU WILL BE PROVIDING YOUR ELECTRONIC SIGNATURE AND CREATING AN ELECTRONIC RECORD OF YOUR AGREEMENT THAT WILL BIND YOU TO AND AFFIRM YOUR ASSENT TO THESE TERMS AND CONDITIONS OF USE. If you are interested in using such Services please contact 4Structures.com. If you do not agree with these Terms and Conditions of Use, please select "Cancel" to exit the registration process and leave the Website. This Agreement contains important disclosures and regulatory information associated with our Services. When you click "I Agree" below you will also be consenting to electronic delivery of that information in HTML format. To access, retain, and print this Agreement or other web pages for your records, you should use a Internet Explorer 8.0 browser or higher with java script enabled, in accordance with the terms of this Agreement.

USE OF WEBSITE

You are granted a non-exclusive, non-assignable, and non-transferable license to use the Website only under this Agreement. This license is not a sale of any of 4Structures.com's rights. The Website may be used only by you, and you may not rent, lease, lend or sub-license its use or any data on the Website or any of your rights under this Agreement. You agree to use this Website only for personal, non-commercial, lawful purposes, unless expressly authorized to do so by 4Structures.com. No part of the Website may be copied, modified, distributed, transmitted, displayed, performed, reproduced, used, published, licensed, derived from, transferred or sold without the express written consent of 4Structures.com. Access to this Website with the intent to download information for other than personal use will be considered an infringement of copyright and prosecuted accordingly. Any other reproduction is strictly prohibited. If you obtain permission by written consent from 4Structures.com to download material, you must retain all copyright and other proprietary notices displayed on the materials. Accordingly, as one of the terms of this Agreement, you represent, warrant and agree that you will not use the Website for any purpose or in any manner that is prohibited by this Agreement or by applicable law. It is your responsibility to ensure that your use of the Website complies with this Agreement and to seek prior written permission for any uses not permitted or not expressly specified herein.

USE OF SERVICES

In connection with your use of 4Structures.com's Services: (1) you represent and warrant that you are authorized to possess, transmit and use all information that you may provide, disclose, post, store or otherwise use in connection with 4Structures.com's Services; (2) you understand and acknowledge that all information you may provide, disclose, post, store or otherwise use in connection with 4Structures.com's Services may be disclosed by 4Structures.com and/or its authorized Users in connection with negotiation and/or settlement of legal claims or the purchase of insurance products, among other things; (3) you authorize 4Structures.com and/or authorized Users of its Services to posses and use all information that you may provide, disclose, post, store or otherwise use in connection with 4Structures.com's Services; and (4) you agree to indemnify 4Structures.com and/or authorized Users of its Services against any and all liabilities, claims and expenses, including attorneys fees, that arise from their possession, storage or other use of information that you provide, disclose, post, store or otherwise use in connection with 4Structures.com's Services.

SPECIFIC PROHIBITED USES

In connection with your use of the Website, you will not: (1) post, transmit, promote, link or facilitate the distribution of any unlawful, sexually explicit, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, hateful, racially, ethnically or otherwise objectionable content; (2) harass, threaten, embarrass, or cause distress, unwanted attention or discomfort upon another user of the this Website or other person or entity; (3) upload files that contain software or other material protected by intellectual property laws or other applicable laws unless the user owns or controls the rights thereto or has received all necessary consents; (4) upload files that contain corrupted files, viruses or any other similar software files the intent of which is to damage the operation of another's computer; (5) post or transmit, or cause to be posted or transmitted, chain letters, pyramid schemes, "junk mail", "spam" , "club membership", distributorship or sales representative agency arrangement, any unsolicited advertising, promotional materials, or other forms of solicitation to other users, individuals or entities, except in those areas that are expressly designated for such a purpose, or collect or harvest screen names of other users, without written permission of 4Structures.com; (6) impersonate any person or entity, including but not limited to, a 4Structures.com official, or falsely state or otherwise misrepresent your affiliation with a person or entity; (7) falsify the origin or source of software or other material contained in a file that is uploaded; (8) violate any operating rule, policy or guideline of any other interactive service offered by 4Structures.com, its licensors and/or affiliates; (9) intentionally or unintentionally violate any applicable local, state, national, international or foreign law, including, but not limited to, any rules or regulations having the force of law; (10) modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Website; (11) distribute, modify, transmit, post, or otherwise use the information, content or Services on the Website for public or commercial purposes without 4Structures.com's written permission; (12) delete any author attributions, legal notices or proprietary designations or labels that you upload to any Website or communication feature; (13) respond to any employment opportunity on the Website for any reason other than to apply for the job; (14) print out or otherwise copy or use any personally identifiable information about employees or business information about 4Structures.com; (15) use any device, software or routine to interfere or attempt to interfere with the proper working of the Website or any activity being conducted on the Website; (16) take any action which imposes an unreasonable or disproportionately large load on this Website's infrastructure; (3) if you have a password allowing access to nonpublic areas of the Website, disclosing or sharing your password with any third party or using your password for any unauthorized purpose; (4) using or attempting to use any engine, software, tool, agent or other device or mechanism (including browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Website other than the search engine and search agents provided for your use by 4Structures.com and other than generally available third party web browsers; or (5) attempt to decipher, decompile, disassemble or reverse engineer any software comprising or in any way making up a part of the Website.

THIRD PARTY INFORMATION

4Structures.com may provide, through one or more Services, a broad range of information obtained from its licensors, affiliates, agents, vendors, or partners ("Third Party Providers"). This information may include insurance and financial product information and quotes (“collectively, “Third Party Information”). 4Structures.com does not endorse or approve Third Party Information, and makes it available to you only as a service for your convenience. 4Structures.com and its Third Party Providers do not (1) guarantee the accuracy, quality, timeliness, completeness or correct sequencing of the Third Party Information, or (2) warrant any results from your use or reliance on the Third Party Information. Third Party Information may quickly become unreliable for various reasons including, changes in circumstances. Neither 4Structures.com nor Third Party Providers are obligated to update any information or opinions contained in any Third Party Information, and may discontinue offering Third Party Information at any time without notice. You agree that neither 4Structures.com nor the Third Party Providers will be liable in any way for the termination, interruption, delay, or inaccuracy of any Third Party Information. You agree not to redistribute or facilitate the redistribution of Third Party Information, or provide access to Third Party Information to anyone who is not authorized by 4Structures.com to receive such Third Party Information. If you are a securities broker, dealer, banker, investment advisor, or insurance agent you agree not to use the Third Party Information provided by 4Structures.com for any purpose related to your business. 4Structures.com Services and Website, including Third Party Information, are for informational purposes only. Although the Services may provide information relating to investment approaches, you should not construe any Third Party Information or other content available through any 4Structures.com Service as legal, tax, investment, financial or other advice. Nothing contained in any 4Structures.com Service or any other content on our Website constitutes a solicitation, recommendation, endorsement, or offer by 4Structures.com or a Third Party Provider to buy or sell any securities or other financial instruments. You alone will bear the sole responsibility of evaluating the merits and risks associated with the use of any Services before making any decisions based on Third Party Information or content contained in the Website. In exchange for using the Website, you agree not to hold 4Structures.com or any Third Party Provider liable for any possible claim for damages arising from any decision you make based on information made available to you through the Website.

WEBSITE SECURITY RULES

You agree not to violate or attempt to violate, the security of this Website, including: (i) accessing data not intended for your use or logging into a server or account which you are not authorized to access; (ii) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; (iii) attempting to interfere with service to any user, host or network, including, without limitation, via means of overloading, "flooding," "mailbombing" or "crashing"; (iv) sending unsolicited e-mail, including promotions or advertising of products or services; or (v) forging any TCP/IP packet header or any part of the header information in any e-mail. Any of the above described violations are strictly prohibited. 4Structures.com will investigate occurrences that involve such violations and may involve law enforcement authorities in prosecuting such violations. Violations, and attempted violations, of network security may result in civil and/or criminal liability and will be prosecuted to the fullest extent of the law.

SECURITY OF DATA TRANSMISSION AND STORAGE

Unless otherwise provided in our Privacy Policy or for a particular Service, any communications or material of any kind that you email, post or otherwise transmit through our Services, including data, questions, comments, or suggestions ("Communications") will be treated as non-confidential and nonproprietary. You hereby grant an irrevocable, perpetual, royalty-free license to 4Structures.com to reproduce, disclose, transmit, publish, broadcast, or post your Communications either on the Website or elsewhere with no liability or obligation to you. 4Structures.com is free to use any ideas, concepts, know-how, or techniques contained in your Communications for any purpose including, but not limited to, developing and marketing products using such information.

You acknowledge that there is a risk that data, including email, electronic communications and personal data, may not be secure and may be accessed by unauthorized third parties when communicated between you and 4Structures.com or between you and other parties. 4Structures.com is not responsible for, does not control, and disclaims all liability for any loss of any information, data or other assets resulting from the inadequacy, failure or lack of security of any network or other computer system owned and/or operated by you or other parties. Although 4Structures.com uses Secure Socket layer technology and other measures to secure the Website, 4Structures.com does not guarantee the security or integrity of the Website or Services or that electronic communications with 4Structures.com will be encrypted. 4Structures.com shall not be liable for the consequences of any breach of security of the Website or Services, other than due to its gross negligence, which must be shown by clear and convincing evidence. By using the Website and Services you assume all risk of loss. 4Structures.com strongly recommends to all users that basic security measures such as firewalls, passwords and registration information protections be maintained at all times to protect your information. If you have any questions regarding implementation of such protections please contact 4Structures.com.

PROPRIETARY RIGHTS NOTICES

All text, graphics, logos, button icons, images and the selection and arrangement of the content of this Website, as well as the computer programs used to generate web pages and the Website are the exclusive property of 4Structures.com, its licensors and/or affiliates, and is protected by U.S. and international copyright, trademark, patent and other laws, and may not be used or copied without the express written permission of 4Structures.com.4Structures.com reserves any and all rights, in all media and technologies existing now or later developed, not expressly granted in this Agreement. The deletion or alteration of any copyright or other proprietary notices from this Website is strictly forbidden. The trademarks, service marks, designs and logos (collectively, "Trademarks") displayed on this Website are the registered and unregistered trademarks of 4Structures.com, its licensors and affiliates. The Trademarks include, but are not limited to, "4Structures", "4Structures.com", "in4structure", "powered by in4structure", "We Know Structured Settlements", "We Know Structured Sales", "We Know Structures" , "On Time Every Time" and "We Know Settlement Planning". Your use of the Trademarks displayed on this Website except as provided in this Agreement, is strictly prohibited. Nothing in this Agreement shall be construed as granting to you a license under any copyright, trademark, patent or other intellectual property right of 4Structures.com. Copyright © 2000-2014 4Structures.com, LLC, 43 Harbor Drive, Stamford, Connecticut 06902 U.S.A.

INFRINGEMENT NOTICE

Pursuant to Section 512(c)(2) of the Copyright Revision Act, as enacted through the Digital Millennium Copyright Act, 4Structures.com has designated John D. Darer, of 43 Harbor Drive, Stamford, Connecticut 06902, 203-325-8640, jdarer@4structures.com, Copyright Agent of 4Structures.com, to receive notifications of claimed infringement. If you believe that your work has been copied and is accessible on the Website, in a way that constitutes copyright infringement, you may notify 4Structures.com by providing its Copyright Agent with the following information: (1) An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; (2) A description of the copyrighted work that you claim has been infringed, including the URL (i.e., web page address) of the location where the copyrighted work exists or a copy of the copyrighted work; (3) Identification of the URL or other specific location on the Website where the allegedly infringing material is located; (4) Your address, telephone number and email address; (5) A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; (6) A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized agent to act on behalf of the copyright owner.

ADEQUATE HARDWARE, SOFTWARE

You understand that in order for the Website to perform properly, or at all, you are solely responsible for the hardware, software or other technology you use to access the Website. 4Structures.com will not be responsible for any service difficulties resulting from your failure to possess technology adequate to use the Website.

MONITORING

4Structures.com and its licensors or affiliates are entitled, but not obligated, to review or retain your Communications. We may monitor your Communications to evaluate the quality of service you receive, your compliance with this Agreement, the security of the 4Structures.com, or for other reasons. You agree that such monitoring will not entitle you to any cause of action or other right with respect to the manner in which 4Structures.com monitors your Communications and enforces or fails to enforce this Agreement or rules and guidelines of any 4Structures.com Service. 4Structures.com reserves the right to modify, reject or eliminate any information residing on or transmitted to its Website that it, in its sole discretion, believes is unacceptable or in violation of this Agreement. In no event will 4Structures.com be liable for any costs, damages, expenses or any other liabilities incurred by you as a result of 4Structures.com’s monitoring.

NOTICES, COMMUNICATIONS, AND ELECTRONIC SIGNATURES

You agree to accept all communications from 4Structures.com at the addresses you provide during registration. Please promptly update any changes to your registration information by using the Update User Information link associated with each Service or by contacting 4Structures.com. 4Structures.com is entitled to rely on the most recent information that you have provided. You agree to waive all claims resulting from failure to receive communications because of changes in such information. From time-to-time 4Structures.com would like to send you information about its products and services. If you register for 4Structures.com Services, you are granting 4Structures.com permission to communicate with you by email. You can opt not to receive such information in the future by following the instructions below or in any e-mail that we send to you.

DISCLOSURE OF POTENTIAL RELATIONSHIPS

4Structures.com and/or its officers, employees, directors, licensors and affiliates may have clients with interests in the sale of products or services of Third Party Providers and may, as principal or agent, buy from or sell such third party products or services to its customers. 4Structures.com may also perform services for or solicit products or services from Third Party Providers from time to time.

CHANGES AND OTHER AGREEMENTS

4Structures.com may revise this Agreement at any time, without notice, and you agree to be bound by any such future revisions. It is your responsibility to visit the Terms and Conditions link at the bottom of the 4Structures.com home page periodically to review the most current version of this Agreement. 4Structures.com may also offer other services that may be governed by different or additional terms and conditions, which are incorporated herein by reference.

VALIDITY AND ENFORCEABILITY

You agree to be bound by any affirmation, assent or agreement you transmit through the Website or Services, including any consent to receipt of communications through electronic transmission. You agree that, when in the future you click on an "I Agree," "I Consent" or other similarly worded "button" or entry field with your mouse, keystroke or other computer device, your agreement or consent will be legally binding and enforceable and the legal equivalent of your handwritten signature. You agree not to contest the validity or enforceability of such agreement on the grounds that it is not in writing or that it does not contain an original signature. You agree that such agreement, if introduced as evidence on paper in any judicial, arbitration, mediation or administrative proceedings, will be admissible as between the parties to the same extent and under the same conditions as other business records originated and maintained in documentary form. You agree not to contest the admissibility of copies of such agreement under either the business records exception to the hearsay rule or the best evidence rule on the basis that the agreement was not originated or maintained in documentary form.

TERMINATION OF ACCESS OR SERVICES

4Structures.com reserves the right to modify, discontinue, or terminate your access to this Website or any portion of it, or any Services in its sole discretion, without notice and without limitation, for any reason whatsoever. 4Structures.com may terminate your access to the Website for reasons including (1) unauthorized use of your account access information; (2) breach of this Agreement; (3) discontinuance of 4Structures.com’s access to Third Party Information or any other data or service from any Third Party Provider; or (4) termination of one or more agreements between 4Structures.com and Third Party Providers or third party service providers. 4Structures.com, Third Party Providers and the third party service providers shall have no liability to you for terminating your access to the Website; provided, however, that if 4Structures.com’s termination is without cause, 4Structures.com will refund the pro rata portion of any fee you may have paid for the portion of any Service not furnished to you as of the date of termination. You agree that 4Structures.com will not be liable to you or to any third party for any modification, suspension or discontinuance of any Service.

NO WARRANTY

YOU EXPRESSLY AGREE THAT YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK. THE WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE" FOR YOUR PERSONAL USE, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, UNLESS SUCH WARRANTIES ARE LEGALLY INCAPABLE OF EXCLUSION. IN NO EVENT SHALL 4Structures.COM BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEBSITE (OR ANY LINKED, HOSTED OR CO-LOCATED WEBSITES) OR WITH THE DELAY OR INABILITY TO USE THIS WEBSITE. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, 4Structures.COM'S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW. 4Structures.COM DOES NOT ENDORSE, WARRANT OR GUARANTEE ANY PRODUCT OR SERVICE OFFERED THROUGH THIS WEBSITE, EXCEPT AS EXPRESSLY PROVIDED ELSEWHERE. THE CONTENT PUBLISHED ON THE WEBSITE MAY INCLUDE INACCURACIES, TYPOGRAPHICAL ERRORS OR OUT-OF-DATE INFORMATION. NEITHER 4Structures.COM, ITS LICENSORS OR AFFILIATES, OR THIRD PARTY PROVIDERS GUARANTEE THE ACCURACY, QUALITY, TIMELINESS, COMPLETENESS OR CORRECT SEQUENCING OF THE INFORMATION OR WARRANT ANY RESULTS FROM USE OF THE INFORMATION. YOU ACKNOWLEDGE THAT NEITHER 4Structures.COM, ITS LICENSORS AND/OR AFFILIATES, NOR THIRD PARTY PROVIDERS SHALL HAVE ANY LIABILITY FOR ANY ACTION OR INACTION WITH RESPECT TO INFORMATION, CONTENT, OR CHANGES IN THE WEBSITE.

LIMITATIONS OF LIABILITY AND DAMAGES

4Structures.COM, ITS LICENSORS AND/OR AFFILIATES, THIRD PARTY PROVIDERS, AND ANY OTHER PERSONS INVOLVED IN TRANSMITTING INFORMATION THROUGH THE WEBSITE WILL NOT BE LIABLE UNDER ANY CIRCUMSTANCES FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL OR INDIRECT DAMAGES EVEN IF YOU ADVISE THEM OF THE POSSIBILITY OF SUCH DAMAGES. THIS INCLUDES, BUT IS NOT LIMITED TO, CLAIMS FOR LOSS OF PROFITS AND DAMAGES THAT MAY RESULT FROM THE USE, INCONVENIENCE, DELAY OR LOSS OF USE OF THE INFORMATION OR FOR OMISSIONS OR INACCURACIES IN THE CONTENT OR INFORMATION. AS A CONDITION TO ACCESSING AND USING THIS WEBSITE AND/OR SERVICES, YOU EXPRESSLY AGREE TO WAIVE ANY CLAIM YOU MAY HAVE AGAINST 4Structures.COM, ITS LICENSORS AND/OR AFFILIATES, ANY THIRD PARTY PROVIDERS OR ANY OTHER PERSONS INVOLVED IN TRANSMITTING INFORMATION OR PROVIDING ANY SERVICES ON THE WEBSITE OR THROUGH 4Structures.COM. BY ACCESSING OR RECEIVING INFORMATION AND/OR CONTENT, YOU AGREE THAT THE LIABILITY OF 4Structures.COM, ITS LICENSORS AND/OR AFFILIATES, ANY THIRD PARTY PROVIDERS, AND ANY OTHER PERSONS INVOLVED IN TRANSMITTING INFORMATION THROUGH THE WEBSITE, ARISING OUT OF ANY LEGAL CLAIM (WHETHER IN CONTRACT, TORT OR OTHERWISE) IN ANY WAY CONNECTED WITH THE WEBSITE OR SERVICES WILL NOT EXCEED THE AMOUNT YOU ORIGINALLY PAID FOR THE WEBSITE OR SERVICES RELATED TO YOUR CLAIM. 4Structures.COM, ITS LICENSORS AND/ OR AFFILIATES, ANY THIRD PARTY PROVIDERS, AND ANY OTHER PERSON INVOLVED IN TRANSMITTING INFORMATION THROUGH THE WEBSITE WILL NOT BE LIABLE FOR ANY LOSS THAT RESULTS FROM A CAUSE OVER WHICH THAT ENTITY DOES NOT HAVE DIRECT CONTROL, INCLUDING THE FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATION LINES; TELEPHONE OR OTHER INTERCONNECT PROBLEMS; BUGS, ERRORS, CONFIGURATION PROBLEMS OR THE INCOMPATIBILITY OF COMPUTER HARDWARE OR SOFTWARE; THE FAILURE OR UNAVAILABILITY OF INTERNET ACCESS; PROBLEMS WITH INTERNET SERVICE PROVIDERS OR OTHER EQUIPMENT OR SERVICES RELATING TO YOUR COMPUTER OR NETWORK; PROBLEMS WITH INTERMEDIATE COMPUTER OR COMMUNICATIONS NETWORKS OR FACILITIES; PROBLEMS WITH DATA TRANSMISSION FACILITIES OR YOUR TELEPHONE, CABLE OR WIRELESS SERVICE; OR UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, SEVERE WEATHER, EARTHQUAKES, OTHER NATURAL DISASTERS OR LABOR DISPUTES. IN ADDITION, 4Structures.COM IS NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER, SOFTWARE, MODEM, TELEPHONE, WIRELESS DEVICE OR OTHER PROPERTY RESULTING IN ANY WAY FROM YOUR USE OF THE WEBSITE OR OUR SERVICES.

INDEMNIFICATION

You agree to defend, indemnify and hold harmless 4Structures.com, its licensors and/or affiliates, Third Party Providers, and each of their employees, contractors, officers and directors from all liabilities, claims and expenses, including attorney fees that arise from your use of the Website or Services. 4Structures.com reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you hereunder. In such event, you shall have no further obligation to provide indemnification for such matter. You agree that no joint venture, partnership, employment or agency relationship exists between you and 4Structures.com as a result of this Agreement or your use of the Website or the Services.

LINKS

4Structures.com may provide links to other websites as part of our Services. 4Structures.com does not control these other websites, is not responsible for them, and makes no representations as to their availability, accuracy, content, quality, nature and copyright compliance or any viruses accessed through them. The fact that 4Structures.com provides any such links is not an endorsement, authorization, sponsorship, or affiliation with respect to such website, its owners, or its providers. There are risks in using any information, software, or products found on the Internet, and 4Structures.com cautions you to make sure you understand these risks before retrieving, using, relying upon, or purchasing anything via the Internet. YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL YOU HOLD 4Structures.COM LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY USE OF OR RELIANCE ON ANY CONTENT, GOODS OR SERVICES AVAILABLE ON OTHER WEBSITES. In addition, you may not link this Website or any of its web pages, Services, information, content, Third Party Information, or web pages of any Third Party Provider, or licensors or affiliates of 4Structures.com, to your website or any website of any other party.

OTHER PROVISIONS

This Agreement represents the entire binding agreement between us, and our respective successors and assigns, and supersedes any and all prior understandings, statements or representations, whether electronic, oral or written, regarding 4Structures.com, the Website or the information thereon. No waiver of any obligation or right of either party shall be effective unless in writing, executed by the party against whom it is being enforced. You acknowledge that, in providing you with access to the Website and Services, 4Structures.com has relied upon your consent to be bound by the terms of this Agreement and any user or license agreement(s) related to or accompanying the Website and Services. You further acknowledge that you have read, understand and agree to be bound by the terms of this Agreement or any other agreement with 4Structures.com that applies to your use of the Website and our Services, as currently in effect and as amended from time to time. This Agreement, and all future agreements you shall enter into with 4Structures.com, unless otherwise indicated, shall be governed by the laws of the state of Connecticut, without regard to conflicts of law principles thereof. This is the case regardless of whether you reside or transact business with 4Structures.com in Connecticut or elsewhere. Unless a dispute would be governed by an applicable arbitration clause, you agree to submit to the personal and exclusive jurisdiction of the courts located within Fairfield County, Connecticut. This Website is controlled, operated and administered from the United States of America. 4Structures.com makes no representation that the information on the Website or Services are appropriate, available or legal for use outside the United States. You may not use the Website or our Services or export the same from or through this Website in violation of U.S. export laws and regulations. If you access this Website from a location outside the United States, you are solely responsible for compliance with local laws. Any provision of this Agreement that is determined to be invalid or unenforceable will be ineffective to the extent of such determination without invalidating the remaining provision of this Agreement or affecting the validity or enforceability of such remaining provisions. 4Structures.com shall not be liable for any failure to perform its obligations in connection with any Services or access to the Website, where such failure results from any act of God or other cause beyond its’ reasonable control (including, without limitation, any mechanical, electronic or communications failure) which prevents such party from transmitting or receiving any documents, accessing information, Services or the Website. Headings or titles of the provisions hereof are for convenience only and shall have no effect on the provisions of this Agreement.

CONSENT TO E-MAIL COMMUNICATIONS AND OPTING OUT

By clicking "I Agree" and entering into this Agreement or by accessing the Website or Services, you are consenting to the receipt of electronic mail (“e-mail”) from 4Structures.com. 4Structures.com may send you e-mail about services, products it believes may be of interest to you, your account, including regulatory communications and/or legal notices. You may opt-out of future email communication regarding products and services by unchecking the box below or by following instructions contained in any e-mail that you receive from us, however, 4Structures.com reserves the right to e-mail you, and you consent to receive via e-mail, important information relating to regulatory communications and/or legal notices.

Circular 230 Notice

In order to comply with Treasury Department regulations, we advise you that the information contained herein was prepared to promote and support the marketing of the products and services of the Company. It is not intended to constitute tax advice, was not written or intended to be used by any taxpayer for the purpose of avoiding tax penalties that may be imposed on the taxpayer, and cannot be used by any taxpayer for that purpose. Advice regarding the tax treatment of matters discussed herein should be sought from an independent tax advisor in light of your particular circumstances.

 


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4structures.com, LLC, The Structured Settlements and Settlement Planning Company 43 Harbor Drive, #309 Stamford, CT 06902 USA

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