Terms of Use

LIVE WELL FINANCIAL INC. TERMS OF USE

By accessing LiveWell.com, USReverseHelpLine.com or LiveWellHelpLine.com (the “Web site”), you agree to abide by these terms of use. If you do not agree with these terms, please do not access any other parts of the web site.

1. Examples of reverse mortgage cash proceeds, located throughout the Web site, represent estimates of available cash from a HECM reverse mortgage based on age, home value, county, and interest rates. These examples are not intended to be specific to you and your proceeds may vary from these examples for numerous reasons, including but not limited to, your age, your home value, your outstanding mortgages and liens, your county, current 203b limits, and interest rates at the time your reverse mortgage closes.

2. By submitting personal information for a free reverse mortgage estimate, you understand and agree that Live Well Financial, Inc.’s reverse mortgage calculator service (the “Reverse Mortgage Calculator”) assumes the accuracy and completeness of the information you supply, that the Reverse Mortgage Calculator provides only an estimate of the proceeds you might receive from a reverse mortgage and that the actual proceeds you may be offered at the conclusion of your application and underwriting process may be higher or lower than the proceeds quoted by the Reverse Mortgage Calculator.

You also understand that Live Well Financial, Inc. does not guarantee that you will be able to successfully close your reverse mortgage at the conclusion of your application process. You also agree to indemnify Live Well Financial, Inc. for any liability and/or damages that Live Well Financial, Inc. suffers as a result of your unauthorized use of the Reverse Mortgage Calculator or our web site.

By submitting personal information for a free reverse mortgage estimate, you understand and agree that Live Well Financial, Inc. may refer your personal information to third party companies (other than Live Well Financial, Inc.) so they may provide additional product offerings or services to you other than a reverse mortgages. In some instances, these additional product offerings might be offered because you may not qualify for a reverse mortgage based upon the personal information you enter.

3. By submitting an initial application (the “Application Form”), you represent that you are not doing so, directly or indirectly, for the purpose of or in connection with any attempt to solicit, sell or obtain a reverse mortgage to, for or on behalf of a third party (other than as a means of referring such third party to our services). You also agree to indemnify Live Well Financial, Inc. for any liability and/or damages that Live Well Financial, Inc. suffers as a result of your unauthorized use of the Application Form.

It is your responsibility to evaluate the accuracy, completeness and usefulness of the information you’ve provided in the application. Without such, Live Well Financial, Inc. may not be able to help you close your reverse mortgage.

4. The Web site and content may be protected by one or more of the following: copyrights, patents, database rights, trademarks, service marks and/or other intellectual property or proprietary rights that are owned by Live Well Financial, Inc., Inc. and/or third parties. Other service, product and company names appearing on the site may be trademarks or service marks of their respective owners. You may not remove any copyright, trademark or other proprietary notice or legend contained on (or printed from) the Web site. We may revise the Web site at any time, without notice.

5. You may not publish, broadcast, retransmit, reproduce, commercially exploit, create any derivative of or otherwise disseminate all or any portion of the web site without the express prior written permission of Live Well Financial, Inc., Inc. and any applicable third party. You may not decompose, decompile, reverse engineer, disassemble or otherwise deconstruct all or any portion of the Web site, nor will you frame the Web site or use any robot, spider, or other device, software or process, whether manual or automatic, to monitor or copy our web pages or the content contained herein. You may reproduce quotes and information on the Web site only for your own personal, non-commercial use.

6. You agree that any controversy or legal claim arising out of or relating to these Terms of Use or our services, excluding action we may take to collect fees pursuant to Paragraph #3 and/or recover damages or obtain an injunction relating to the Web site’s operations, intellectual property and our services pursuant to Paragraphs #4 and #5, shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party, unless we, in our sole discretion, consent thereto. The arbitration shall be conducted in Richmond , Virginia and judgment on the arbitration award may be entered in any court having jurisdiction thereof. Should either you or Live Well Financial, Inc. file an action contrary to this provision, the other party may recover attorneys fees and costs up to $10,000.

About the Web Site

Unless otherwise noted, the graphic images, buttons, layout, and text contained in the Web site are the exclusive property of Live Well Financial, Inc., and/or its affiliates and may not be copied or distributed, in whole or in part, without the express written consent of Live Well Financial, Inc. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal or internal use.

Live Well Financial, Inc. cannot guarantee that the hyperlinks contained in the Web site will be accurate at the time of your access. Live Well Financial, Inc. assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. Live Well Financial, Inc. believes that making hyperlinks to publicly accessible web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Live Well Financial, Inc. not obligated to monitor any transmission made through the respective web pages and newsgroups. However, Live Well Financial, Inc. has the right, but not the obligation, to monitor any transmission made to and for the Web site. Live Well Financial, Inc. may use or disclose information gathered from the Web site.

For each visitor to the Web site, we collect the domain name and e-mail address (where possible) of visitors to the Web site, and aggregate information on what pages consumers access or visit. The information we collect is used to improve the content of the Web site, used by us to contact consumers for marketing purposes, disclosed when legally required to do so, at the request of governmental authorities conducting an investigation, to verify or enforce compliance with the policies governing the Web site and applicable laws or to protect against misuse or unauthorized use of the Web site, to a successor entity in connection with a corporate merger, consolidation, sale of assets or other corporate change respecting the Web site.

With respect to cookies: We use cookies to record user-specific information on what pages users access or visit, customize the Web site content based on visitors’ browser type or other information that the visitor sends.

With respect to security: When we transfer and receive certain types of sensitive information such as financial or personal information, we redirect visitors to a secure server. We have appropriate security measures in place in our physical facilities to protect against the loss, misuse or alteration of information that we have collected from you at the Web site.

Live Well Financial, Inc. does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that the Web site or the server that makes it available is free of viruses or other harmful components as such information is received by you because Live Well Financial, Inc. cannot control the transmissions of information over the Internet.

LIMITATION OF LIABILITY

LIVE WELL FINANCIAL, INC. WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF ITS SITES. THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF (OR INABILITY TO USE) THE SITES; (2) USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM ITS WEBSITES; (3) FAILURE OF PERFORMANCE; (4) ERROR; (5) OMISSION; (6) INTERRUPTION; (7) DEFECT; (8) DELAY IN OPERATION OR TRANSMISSION; (9) COMPUTER VIRUS; OR (10) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. FURTHERMORE, EXCEPT AS PROVIDED BELOW, WE ARE NOT LIABLE EVEN IF WE HAVE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES-OR BOTH.

HOWEVER, IN CERTAIN STATES WHERE THE LAW MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY AND YOU MAY HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES. IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES AND CLAIMS OF ANY KIND, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR THEY ARE CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT OR ANY OTHER LEGAL THEORY, WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITES.

DISCLAIMER

THE MATERIAL ON OUR SITES IS PROVIDED AS IS. THIS MEANS THAT LIVE WELL FINANCIAL, INC. DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THE SITES. THIS INCLUDES, BUT ITS NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) THAT DEFECTS WILL BE CORRECTED; (4) THAT OUR SITES, OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (4) THAT INFORMATION CONTAINED IN THE SITES IS ACCURATE AS OF ANY PARTICULAR DATE.

Licenses

Not all policies or products are available in all states.  This site is published for some, but not all of the residents of the United States of America.  Applicable license numbers are listed below:

  • Alabama residents: Live Well Financial, Inc. – Alabama Consumer Credit license number 20975
  • Arizona residents:       Live Well Financial, Inc. – Mortgage Banker License BK-0929326
  • Arkansas residents: Live Well Financial, Inc., 1011 Boulder Springs Drive, #420, Richmond, VA 23225 – license number 38032
  • California residents: Licensed by the California Department of Corporations under the California Residential Mortgage Lending Act, Live Well Financial, Inc. – license number 603 E108
  • Colorado residents: Live Well Financial, Inc. – license number NMLS #1177
  • Connecticut residents: Live Well Financial, Inc. – license number FMLB 19860
  • Delaware residents: Live Well Financial, Inc. – license number 010169
  • District of Columbia residents: Live Well Financial, Inc. – license number MLB 1177
  • Florida residents: Live Well Financial, Inc. – license number MLD378
  • Georgia residents: Live Well Financial, Inc. – Georgia Residential Mortgage Licensee license number 22154
  • Hawaii residents: Live Well Financial, Inc. – license number HI-1177
  • Idaho residents: Live Well Financial, Inc. – license number MBL-6393
  • Indiana residents: Live Well Financial, Inc. – license number 11085
  • Illinois residents: Live Well Financial, Inc. – Licensed by the Commissioner, Division Of Banking, 100 West Randolph St., 9th Floor, Chicago, IL 60601, 312-793-3000 – Illinois Residential Mortgagee Licensee MB6760702, Live Well Financial, Inc., 1011 Boulder Springs Drive, #420, Richmond, VA 23225
  • Iowa residents: Live Well Financial, Inc. – license number 2014-0136
  • Kansas residents: Kansas Licensed Mortgage Company, License # SL.0000405. Live Well Financial, Inc., 1011 Boulder Springs Drive, Richmond, VA 23225.
  • Kentucky residents: Live Well Financial, Inc. – license number MC23873
  • Louisiana residents: Live Well Financial, Inc. – license number RML 2654
  • Maine residents: Live Well Financial, Inc. – license number 1177
  • Maryland residents: Live Well Financial, Inc. – license number 13393
  • Massachusetts residents: Live Well Financial, Inc. – Mortgage Lender license number ML1177
  • Michigan residents: Live Well Financial, Inc. – license number FR0017209
  • Minnesota residents: Live Well Financial, Inc. – license number MO 20589067
  • Mississippi residents: Live Well Financial, Inc. – Licensed by the Mississippi Department of Banking and Consumer Finance NMLS #1177. Live Well Financial, Inc., 1011 Boulder Springs Drive, #420, Richmond, VA 23225
  • Nebraska residents: Live Well Financial, Inc. – license number 1886
  • New Hampshire residents: Live Well Financial, Inc. – Licensed by the New Hampshire banking department license number 13394-MB
  • New Jersey residents: Live Well Financial, Inc. – Licensed by the N.J. Department of Banking and Insurance. Live Well Financial, Inc., 1011 Boulder Springs Drive, #420, Richmond, VA 23225 – license number 902427.
  • New Mexico residents: Live Well Financial, Inc. – license number 03164
  • New York residents: Live Well Financial, Inc. – Licensed Mortgage Banker-NYS Department of Financial Services, NMLS License 1177, Live Well Financial, Inc., 1011 Boulder Springs Drive, #420, Richmond, VA 23225
  • North Carolina residents: Live Well Financial, Inc. – license numbers L-153947 and RM-152.
  • North Dakota residents: Live Well Financial, Inc. – Money Broker License number MB102023
  • Ohio residents: Live Well Financial, Inc. – license number MB MB.850022
  • Oklahoma residents: Live Well Financial, Inc. – license number MLO10665
  • Oregon residents: Live Well Financial, Inc. – license number ML 4631
  • Pennsylvania residents: Live Well Financial, Inc. – Licensed by the PA Dept. of Banking license number ML 29015
  • Puerto Rico resident: license number IH-184
  • Rhode Island residents: Live Well Financial, Inc. – Rhode Island Licensed Lender # 20072242LL.
  • South Carolina residents: Live Well Financial, Inc. – license number NMLS 1177
  • South Dakota residents: Live Well Financial, Inc. – license number ML.4802
  • Tennessee residents: Live Well Financial, Inc. – license number 112727
  • Texas residents: Live Well Financial, Inc. – NMLS #1177. Live Well Financial, Inc., 1011 Boulder Springs Drive, #420, Richmond, VA 23225. For a Texas Consumer Complaint and Recovery Fund Notice please click on this link: http://texreg.sos.state.tx.us/fids/201203137-2.pdf
  • Utah residents: Live Well Financial, Inc. – license number 7711649 http://www.dfi.utah.gov/mtglistl.htm
  • Vermont residents: Live Well Financial, Inc. – license number 6121
  • Virginia residents: Live Well Financial, Inc. – NMLS ID# 1177 and Virginia Lender License MC-3794 (www.nmlsconsumeraccess.org)
  • Washington state residents: Live Well Financial, Inc. – license number CL-1177
  • West Virginia residents: Live Well Financial, Inc. – license number ML-23397
  • Wisconsin residents: Live Well Financial, Inc. – license number 211619
  • Wyoming residents: Live Well Financial, Inc. – license number 1714
  • Live Well Financial, Inc. – NMLS ID# 1177 (www.nmlsconsumeraccess.org)

Confidentiality is a top priority at Live Well Financial, Inc. We are committed to maintaining the highest level of confidentiality with all of the information we receive from our customers, including the information received from the Web site.

For additional information about how Live Well Financial, Inc. protects your privacy, please visit the Privacy Policy.