These Website Terms of Service (including any document incorporated by reference herein) for the Newline Assets, LLC dba Newline Life Insurance Services, and its related, (“Newline Life”) websites, located at Newlinelife.com and such other websites as maybe owned and/or controlled by NEWLINE LIFE (collectively the “Websites”) that contain these Website Terms of Service (“Terms of Service”), constitutes a legal contract between you and Newline Assets, LLC dba Newline Life Insurance Services, and its related, and covers all aspects of your use of the Websites and, to the extent not superseded by the terms and conditions of any contract we may sign with you, of any product or service that we may supply to you.
PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY REGISTERING FOR, ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE. IF AT ANY TIME YOU DISAGREE WITH ANY OF THESE TERMS AND CONDITIONS, YOU SHOULD IMMEDIATELY CEASE YOUR USE OF THE WEBSITES.
Eligibility; Privacy. The products and services offered through the Websites are not available (1) to persons under the age of 18, (2) to persons who are not legal residents of the United States, by visa or otherwise, or (3) to any person residing in any of the following states: Kansas, Louisiana, Maine, Mississippi, South Carolina, Vermont, and West Virginia. BY CLICKING ANY “SUBMIT” OR OTHER BUTTON OR BY ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU REPRESENT AND WARRANT TO US THAT YOU ARE AT LEAST 18 YEARS OF AGE AND ARE A LEGAL RESIDENT OF THE UNITED STATES.
Some of the products and services offered through the Websites may be subject to additional terms and conditions, including those products and services offered by or through third-party providers. To the extent not inconsistent with these Terms of Service, these additional terms and conditions are hereby incorporated herein by reference. Newline Life has made a commitment to protecting the privacy of those who visit our Websites and access the products and services available therein. Newline Life’s Privacy Policy (newlinelife.com/privacypolicy) The Children’s Online Privacy Protection Act (“COPPA”) requires that online service providers obtain parental consent before they knowingly collect personally identifiable information online from children who are under 13. We do not knowingly collect or solicit personally identifiable information from children under 13; if you are a child under 13, please do not attempt to register for the Services or send any personal information about yourself to us. If we learn we have collected personal information from a child under 13, we will delete that information as quickly as possible. If you believe that a child under 13 may have provided us personal information, please contact us at info@newlinelife.com
Products and Services. The Websites may enable you to research and submit requests for debt resolution services and research other products and services provided by Newline Life or by third party providers. You understand and agree that if you submit a request for a product or service or for further information relating to a product or service offered through any of the Websites by a third party provider, Newline Life will share such of your information with such third party providers as may be required to match you with the providers of the products and/or services that you request. By submitting your contact information to us, you are expressly consenting to be contacted by us orby one or more providers of products and services by telephone, email or postal mail even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, anystate equivalent Do Not Call List or the Do Not Call List of any specific institution.
Modification of These Terms of Service. Newline Life reserves the right to change, modify, add or remove portions of these Terms of Service at any time by posting amended Terms of Service. Please check these Terms of Service periodically for changes. If you do not agree with the amended Terms of Service, you are free to reject them, but you will no longer be able to use any of the Websites. Your continued use of any of the Websites after the posting of changes constitutes your binding acceptance of such changes. Except as stated elsewhere, such amended Terms of Service will be effective immediately and without further notice. Except for changes by us as described here, no other amendment or modification of the Terms of Service will be effective unless in writing and signed by both you and us.
License Grants. Subject to your compliance with these Terms of Service, Newline Life hereby grants you a personal, limited, non-exclusive, non-transferable revocable license to use the Websites for purposes of accessing the information and contacting the providers of the products and services contained therein. Newline Life expressly reserves all rights not specifically granted herein, including but not limited to the right to exercise whatever lawful means it deems necessary or appropriate to prevent unauthorized use of the Websites. Anything you post, upload, share, store, or otherwise provide through the Websites is your “User Submission.” User Submissions include (but are not limited to) any personal information you submit to the Websites and any testimonials, feedback, and suggestions you provide us regarding our Websites and/or our products and services. By using the Websites, you hereby grant to Newline Life a worldwide, non-exclusive, perpetual, irrevocable, transferable, sub licensable (through multipletiers), assignable, royalty-free license to transfer, display, reproduce, distribute, modify and otherwise use your User Submissions in connection with Newline Life’s business, subject to the restrictions set forth herein (including Newline Life’s Privacy Policy).
The Websites are owned and operated by Newline Life. All content displayed on the Websites, as well as all visual interfaces, graphics, designs, information, computer code (including source code or object code), software and all other elements of the Websites are protected by United States copyright, trade dress, patent and trade/service mark laws, international conventions, where applicable, and all other relevant intellectual property and proprietary rights and laws. Except as otherwise specified on the Websites, all content contained on the Websites is the property of Newline Life and/or its third-party licensors. Except as expressly authorized by Newline Life, you may not sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from or otherwise make any unauthorized use of such content.
Links to Third-Party Sites; Dealings with Third Parties. The Websites may include links or references to other web sites owned or operated by third parties with which Newline Life may have a relationship. Newline Life has no control over such third-party websites and, thus, is not responsible for their availability, content or advertising, or any products or services available from such third parties. Your correspondence or business dealings with such third parties are solely between you and such third party. Access and use of such web sites is solely at your own risk. We encourage you to be aware when you leave the Websites and to read the terms and conditions and privacy policy of each third party website or service that you visit or utilize. Newline Life has no control over, and assumes no responsibility for, the content, accuracy, privacy policies, or practices of or opinions expressed in any third party web sites or by any third party that you interact with through the Websites. In addition, Newline Life will not and cannot monitor, verify, censor or edit the content of any third party site or service. By using the Websites, you release and hold us harmless from any and all liability arising from your use of any third party website or service.
Your correspondence or business dealings with any third parties, including, but not limited to, business dealings with credit counseling services, debt settlement services, mortgage brokers or lenders, insurance agents or carriers or any other product or service provider are solely between you and such third party. Newline Life is not responsible for any terms, conditions, warranties or representations associated with such dealings or liable for any loss or damage of any sort incurred as the result of such dealings.
By using the Websites as directed, you are acknowledging that Newline Life does not make credit decisions about any product or service offered to you, does not recommend, endorse, warrant or guarantee the products or services of any third party and, unless Newline Life expressly agrees otherwise, is not party to any discussions that you may have or agreement that you may make with any third party. Newline Life does not charge anyone a fee to use the Websites. If there is a dispute between participants on the Websites, or between users and any third party, you agree that Newline Life is under no obligation to become involved. In the event that you have a dispute with one or more other users, you release NEWLINE LIFE, its officers, employees, agents, and successors from claims, demands, and damages of every kind or nature, known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way related to such disputes and/or our Websites.
Termination; Exclusive Remedy. Newline Life at any time, in its sole discretion, for any or no reason, and without penalty or liability, may terminate your use of the Websites and terminate any session. Newline Life may also in its sole discretion and at any time discontinue providing access to one or more Websites. Any termination of access to the Websites may be effected with or without prior notice, and Newline Life will not be liable to you or to any third party for any such termination. Any suspected fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities.
Your sole and exclusive remedy with respect to any dissatisfaction with (i) the Websites, (ii) any term or condition of these Terms of Service or (iii) any policy or practice of Newline Life in operating any Website is to terminate your access to and discontinuing use of the Websites. Please refer to Newline Life’s Privacy Policy (newlinelife.com/privacy-policy) as well as the licenses above, to understand how Newline Life treats information you have provided to us after you have stopped using our Websites.
Indemnification. You agree to indemnify, save and hold Newline Life and its contractors, employees, agents and its third-party suppliers and business partners harmless from any claims, losses, damages and liabilities, including legal fees and expenses, arising out of your use or misuse of the Websites, any violation by you of these Terms of Service or any breach of the representations, warranties and covenants made by you herein. Newline Life reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us and you agree to cooperate with Newline Life’s defense of any such claims. Newline Life will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.
TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, NEWLINE LIFE ANDITS THIRD-PARTY SUPPLIERS AND BUSINESS PARTNERS DISCLAIM ALL WARRANTIES, STATUTORY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIEDWARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENTOF PROPRIETARY RIGHTS. NO ADVICE OR INFORMATION, WHETHER ORALOR WRITTEN, OBTAINED BY YOU FROM NEWLINE LIFE OR THROUGH THE WEBSITES WILLCREATE ANY WARRANTY NOT EXPRESSLY PROVIDED IN THESE TERMS OF SERVICE.THE USE OF THE WEBSITES IS AT YOUR SOLE RISK. THE WEBSITES AND ANY DATA, INFORMATION, COMMERCIAL CONTENT, THIRD-PARTY WEB SITES, PRODUCTS ORSERVICES MADE AVAILABLE THROUGH THE WEBSITES ARE PROVIDED ON AN “AS IS” AND“AS AVAILABLE,” “WITH ALL FAULTS” BASIS AND WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND EITHER EXPRESS OR IMPLIED.
NONE OF NEWLINE LIFE OR ITS THIRD-PARTY SUPPLIERS AND BUSINESS PARTNERSWARRANT THAT ANY DATA, INFORMATION, COMMERCIAL CONTENT, THIRD-PARTY WEBSITES, PRODUCTS OR SERVICES OFFERED ON OR THROUGH THE WEBSITES OR ANYTHIRD-PARTY WEB SITES WILL BE UNINTERRUPTED OR FREE OF ERRORS, VIRUSES OROTHER HARMFUL COMPONENTS OR THAT ANY OF THE FOREGOING, IF PRESENT, WILL BECURED OR STOPPED. YOUR USE OF THE WEBSITES OR ANY THIRD-PARTY WEB SITES ISAT YOUR OWN RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOURPROPERTY (INCLUDING YOUR COMPUTER SYSTEM) OR LOSS OF DATA THAT RESULTSFROM THE USE OF SUCH WEBSITES.
UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, WILL NEWLINE LIFE OR ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS BE LIABLE FOR (A)ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, RELIANCE OREXEMPLARY DAMAGES (INCLUDING WITHOUT LIMITATION DAMAGES ARISING FROM ANYUNSUCCESSFUL COURT ACTION OR LEGAL DISPUTE, LOST BUSINESS, LOST REVENUESOR LOSS OF ANTICIPATED PROFITS OR ANY OTHER PECUNIARY OR NON-PECUNIARYLOSS OR DAMAGE OF ANY NATURE WHATSOEVER) , (B) ANY AMOUNT, IN THEAGGREGATE , IN EXCESS OF THE GREATER OF (I) $100 OR (II) THE AMOUNTS PAID BYYOU TO NEWLINE LIFE IN CONNECTION WITH YOUR USE OF NEWLINE LIFE’S WEBSITES,PRODUCTS OR SERVICES IN THE TWELVE (12) MONTH PERIOD PRECEDING THEAPPLICABLE CLAIM, OR (C) ANY MATTER BEYOND NEWLINE LIFE’s REASONABLE CONTROL,IN EACH CASE ARISING OUT OF OR RELATING TO THESE TERMS OF SERVICE OR THATRESULT FROM YOUR USE OR YOUR INABILITY TO USE THE WEBSITES OR ANY THIRDPARTYWEB SITE OR ANY OTHER INTERACTIONS WITH NEWLINE LIFE, EVEN IF NEWLINE LIFE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL ORCONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN SUCH CASES,NEWLINE LIFE’S LIABILITY WILL BE LIMITED TO THE FULLESTEXTENT PERMITTED BY APPLICABLE LAW.
BY YOUR USE OF ANY NEWLINE LIFE WEBSITE, YOU ARE AGREEING TO RELEASE ANDDISCHARGE NEWLINE LIFE AND ITS THIRD-PARTY SUPPLIERS AND BUSINESS PARTNERS ANDEACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES AND ALLOTHER RELATED PERSONS OR ENTITIES FROM ANY AND ALL CLAIMS, DEMANDS, CAUSESOF ACTION, PROCEEDINGS, LIABLITIES, OBLIGATIONS, LEGAL FEES, COSTS ANDEXPENSES OF ANY KIND OR NATURE, WHETHER KNOWN OR UNKNOWN, ARISING OUT OFOR IN ANY WAY CONNECTED WITH YOUR USE OF THE WEBSITES. IF YOU ARE ACALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH SAYS,”A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOTKNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE,WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THEDEBTOR.”
In the event of a dispute between you and NEWLINE LIFE that arises out of these Terms of Service or any product or service you obtain through the Websites (“Claim”), you and NEWLINE LIFE agree to resolve that Claim in accordance with the procedures set forth below or as we may otherwise agree in writing. Before resorting to these dispute resolution mechanisms, you must first contact us directly to seek a resolution. If, however, we are unable to resolve our differences informally, the parties agree to finally resolve any such dispute through arbitration, in Orange County, California, in accordance with the American Arbitration Rules and Procedures of Judicial Arbitration and Mediation Services, Inc. (“JAMS”) then in effect, by one commercial arbitrator with substantial experience in resolving intellectual property and commercial contract disputes, who shall be selected from the appropriate list of JAMS arbitrators in accordance with such Rules. For any Claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000, either party may elect to resolve the dispute in a cost effective manner through binding non-appearance-based arbitration. For any such arbitration, the parties must comply with the following rules:
14.1 Notice.
NEWLINE LIFE may provide you with notices by e-mail, regular mail or postings on any Website. Notice will be deemed given twenty-four hours after e-mail is sent, unless NEWLINE LIFE is notified that the email address used is invalid. Alternatively, NEWLINE LIFE may give you legal notice by mail to a postal address, if provided by you through any Website. In such case, notice will be deemed given three (3)
calendar days after the date of mailing.
All notices to NEWLINE LIFE must be made in writing and mailed to:
NEWLINE LIFE
Attn: Compliance Department
1551 N. Tustin Ave Ste 800 Santa Ana, Ca. 92705
14.2 Waiver and Severability of Terms.
The failure of NEWLINE LIFE to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms of Service will be effective only if in writing and signed by NEWLINE LIFE, If any provision of these Terms of Service is found by a court of competent jurisdiction to be invalid, the other provisions of these Terms of Service shall remain in full force and effect and the parties agree that such court should endeavor to give effect to the parties’ intentions.
14.3 Choice of Law; Forum.
These Terms of Service shall be governed in all respects by the laws of the State of California, without regard to conflict of law provisions.
14.4 Assignment.
You may not transfer, delegate, or assign any of your rights or obligations under these Terms of Service without the express prior written consent of NEWLINE LIFE, give in its sole discretion. However, you acknowledge and agree that NEWLINE LIFE may freely and without restriction or limitation assignor transfer any of its rights and obligations under these Terms of Service.
14.5 Entire Agreement. These Terms of Service and any document incorporated by reference herein constitute the entire agreement between you and NEWLINE LIFE and govern your use of the Websites, superseding any prior agreements between you and NEWLINE LIFE. Notwithstanding the foregoing, you also may be subject to additional terms and conditions that may apply when you use or purchase certain products and/or services provided by NEWLINE LIFE or one of NEWLINE LIFE’s third party business partners.
14.6 Survival.
The following paragraphs shall survive termination or your refusal to continue to use the Websites: 4
(third paragraph only), 5, 6, 7, 8, 9, 10, 11, 12, 13 and 14.
NEWLINE LIFE
Attention: Compliance Department
1551 N. Tustin Ave Ste 800 Santa Ana, Ca. 92705
Tel: 855-503-0105 | Email: info@newlinelife.com
Terms and Service Updated 2023
PLEASE PRINT AND RETAIN A COPY OF THESE TERMS OF SERVICE FOR YOUR RECORDS.
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