Protected Tomorrows, Inc. may make changes to the Agreement from time to time in its sole discretion, and will post any such changes on the Web Site. Each time changes are made to the Agreement, notice of these changes will be posted on the home page. Your continued use of the Web Site or placement of orders following the posting of changes constitutes your acceptance of any such changes.

If you have any questions or concerns with respect to the Agreement or the Web site you may contact our legal department by mail at:

Legal Department
Protected Tomorrows, Inc.
103 Schelter Rd.
Lincolnshire, IL 60069

This Web Site is intended for and directed to adults. It is not intended for any children under the age of 13.

The information communicated on the Web Site constitutes an electronic communication. When you communicate with us through the Web Site or via other forms of electronic media, such as e-mail, you are communicating with us electronically. You agree that we may communicate electronically and that such communications, as well as notices, disclosures, agreements, and other communications that we provide to you electronically, are equivalent to communications in writing and shall have the same force and effect as if they were in writing and signed by the party sending the communication.

You agree to comply with all applicable local laws regarding your use of the Web Site, including, without limitation, laws regarding import/export of technical data by virtue of your online transmission.

You understand and agree that all text, graphics, software, music, sound, photographs, videos, messages, posts, data, information or other materials (“Content”) are the sole responsibility of the person with whom the Content originated. Thus, you are responsible for all Content that you disseminate or transmit through or by means of the Web Site.

You agree that you will not use the Web Site in any way to:

1. 1. post, disseminate or transmit any Content that is unlawful, harassing, defamatory, abusive, threatening, obscene, harmful, tortious, libelous, or invasive of another’s privacy;
   2. post, disseminate or transmit any Content that infringes or violates any party’s copyright, trademark, trade secret, patent, or other proprietary right, including, but not limited to, using third-party copyrighted materials without appropriate permission, using third-party trademarks without appropriate permission or attribution, and using or distributing third-party information (whether or not protected as a trade secret) in violation of a duty of confidentiality;
   3. post, disseminate or transmit any worms, viruses, or other harmful, disruptive, or destructive files, code, or programs;
   4. post, disseminate or transmit any unauthorized advertising, promotional materials, chain letters, spam, junk mail or any other type of unsolicited mass e-mail to people or entities that have not agreed to be part of such mailings;
   5. impersonate any person or entity; falsely state or otherwise misrepresent your affiliation with any person or entity; intentionally omit, delete, forge or misrepresent transmission information, including headers, return mailing, and Internet protocol addresses; or otherwise manipulate identifiers to disguise the origin of any Content transmitted through the Web Site;
   6. post, disseminate or transmit any Content you do not have the right to post, disseminate or transmit;
   7. disrupt the normal flow of dialogue or otherwise act in a manner that negatively affects other users’ ability to engage in real-time exchanges;
   8. interfere with, disrupt or harm in any way the Web Site or servers or networks connected to the Web Site;
   9. electronically stalk or otherwise harass another user;
   10. collect or store personal data about other users;
   11. engage in any activities that would violate the personal privacy rights of others, including but not limited to collecting and distributing information about other users without their permission, except as permitted by applicable law;
   12. use the Web Site for any illegal purpose, in violation of any applicable laws or regulations or in violation of the rules of any other Web site’s providers, Web sites, chat rooms or the like; or
   13. intentionally or unintentionally violate any applicable local, state, national, or international law or any regulations having the force of law.

You acknowledge that content available through the Web Site, including, without limitation, content in the form of text, graphics, software, music, sound, photographs and videos, and content provided by suppliers, sponsors or third-party advertisers (“Intellectual Property Rights”), is protected by copyrights, trademarks, patents or other proprietary rights and laws. Except as expressly authorized by Protected Tomorrows, Inc. herein, you agree not to copy, modify, rent, lease, loan, sell, assign, distribute, license, reverse engineer or create derivative works based on the Web Site or any content (including, without limitation, any software) available through the Web Site.

You are hereby granted a nonexclusive, nontransferable, revocable, limited license to view, copy, print and distribute content retrieved from the Web Site for your personal, noncommercial purposes, provided that you do not remove or obscure the copyright notice or other notices displayed on the content. You may not copy, reprint, modify, distribute or sell content retrieved from the Web Site in any way, for any commercial use or provide it to any commercial source, including other Web sites, regardless of whether you receive compensation, without the prior written permission of Protected Tomorrows, Inc. You may not frame any trademark, logo or other proprietary information on this Web Site without the express written consent of Protected Tomorrows, Inc. Except as expressly provided in the Agreement, nothing contained in the Agreement or on the Web Site shall be construed as conferring any other license or right, expressly, by implication, by estoppel or otherwise under any of Protected Tomorrows’ Intellectual Property Rights or under any third party’s Intellectual Property Rights. Any rights not expressly granted herein are reserved.

This Web Site is provided to you under these “Terms of Use” and any amendments or supplements to them that may be posted by Protected Tomorrows, Inc. (“PT”) from time to time (collectively referred to as this “Agreement”). Your use of this Web Site shall be deemed to constitute your consent to be bound by the terms and conditions of the Agreement and shall be enforceable in the same way as if you had signed the Agreement. If you are not willing to accept the terms and conditions in the Agreement, we ask that you not use the Web Site or order any items from it.

You acknowledge that PT does not generally prescreen Content, but that PT and its designees will have the right (but not the obligation) in their sole discretion to edit, refuse, remove or move any Content that is available via the Web Site. PT reserves the right in its sole discretion to refuse access to the site to any user for any reason, including without limitation, any reason that violates the Agreement. Without limiting the foregoing, PT and its designees will have the right to remove any Content that violates the Agreement or that PT considers, in its sole discretion, objectionable, whether for legal or for other reasons. You understand that the technical processing and transmission of the Web Site, including your Content, may involve transmissions over various networks and require changes to conform and adapt to technical requirements of connecting networks or devices.

You acknowledge and agree that PT may preserve Content and may also disclose Content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to (a) comply with legal process; (b) enforce the Agreement; (c) respond to claims that any Content violates the rights of third parties; or (d) protect the rights, property, or personal safety of PT, its users, and the public. Details regarding our use of personally identifiable information included in Content are set out in our Privacy Policy.

By posting Content to the Web Site or by transmitting Content using the Web Site, you (1) represent and warrant to PT that you have all necessary permission to post or transmit Content; and (2) grant to PT a worldwide, nonexclusive, perpetual, fully sub-licensable, royalty-free right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such Content (in whole or part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed.

Bulletin boards and chat rooms contain the opinions and views of other users. PT is not responsible for the accuracy of any messages on this site and you should always consult a physician or other qualified healthcare provider before relying on any information you find on this site. You agree that you must evaluate, and bear all risks associated with, the use of any Content, including any reliance on the accuracy, completeness, or usefulness of such Content.

Any comments, materials or letters sent by you to PT regarding the Web Site, including, without limitation, questions, comments, suggestions, criticisms, or the like (“Received Materials”) shall be deemed to be nonconfidential and free of any claims of proprietary or personal rights unless you explicitly state in the correspondence that the letter (i) is “not for publication” and (ii) contains “private and proprietary” information that may not be distributed. PT will have no obligation of any kind with respect to Received Materials that you do not restrict and PT will be free to reproduce, use, disclose, exhibit, display, transform, edit, abridge, create derivative works from and/or distribute Received Materials that you do not restrict. Furthermore, PT is free to use any ideas, concepts, know-how or techniques contained in any communication you send to PT, whether you restrict its distribution or not, for any purpose whatsoever, including, but not limited to, developing, manufacturing, and marketing products using such information, without compensation or any other obligations to anyone, including yourself.

You agree that PT may establish, in its sole discretion and without prior notice to you, a maximum amount of storage space for Content maintained, disseminated, or transmitted through the Web Site. You agree that PT has no responsibility or liability for the deletion of or failure to store any messages, communications, or other Content maintained, disseminated, or transmitted through the Web Site.

Your dealings with advertisers or other third parties found on or through the Web Site are solely between you and the third party. These dealings include, but are not limited to, your participation in promotions, the payment for and delivery of items if any, and any terms, conditions, warranties, or representations associated with such dealings. PT does not make any representations or warranties with respect to any items or services that may be obtained from such third parties, and you agree that PT will have no liability with respect to any loss or damage of any kind incurred as a result of any dealings between you and any third party, or as a result of the presence of such third parties on the Web Site.

The Web Site, or third parties on the Web Site, may provide links to other sites and/or resources, including advertisers, over which PT has no control. These links are provided solely as a convenience to users and should not be construed as an endorsement by PT of content, items or services on those third-party Web sites. You access and use such sites, including the content, items or services on those sites, solely at your own risk. PT makes no representations or warranties with respect to the Content, ownership, or legality of any such linked Web sites. You agree that PT has no responsibility or liability for the availability of such external sites or resources, or for the Content, advertising, products or other materials available through such sites or resources.

You are granted a limited, revocable and nonexclusive right to create a hyperlink to the home page of PT so long as the link does not portray PT, its affiliates or their items or services in a false, misleading or offensive matter. You may not use any PT logo or graphic or trademark as part of the link without the express written permission of PT.

THE INFORMATION (INCLUDING, WITHOUT LIMITATION, ADVICE AND RECOMMENDATIONS) AND SERVICES ON THE WEB SITE ARE INTENDED SOLELY AS A GENERAL EDUCATIONAL AID AND ARE NEITHER MEDICAL NOR HEALTHCARE NOR FINANCIAL ADVICE FOR ANY INDIVIDUAL PROBLEM NOR A SUBSTITUTE FOR MEDICAL OR OTHER PROFESSIONAL ADVICE AND SERVICES FROM A QUALIFIED HEALTHCARE PROVIDER OR FINANCIAL ADVISOR FAMILIAR WITH YOUR UNIQUE FACTS. ALWAYS SEEK THE ADVICE OF YOUR PHYSICIAN OR OTHER QUALIFIED HEALTHCARE PROVIDER OR FINANCIAL PROFESSIONAL REGARDING ANY MEDICAL OR FINANCIAL CONDITION AND BEFORE STARTING ANY NEW TREATMENT OR COURSE OF ACTION. NOTHING CONTAINED IN THE WEB SITE IS INTENDED TO BE USED FOR MEDICAL DIAGNOSIS OR TREATMENT. THE INFORMATION AND SERVICES ARE PROVIDED WITH THE UNDERSTANDING THAT NEITHER PT NOR ITS SUPPLIERS OR USERS ARE ENGAGED IN RENDERING LEGAL, MEDICAL, FINANCIAL, COUNSELING OR OTHER PROFESSIONAL SERVICES OR ADVICE. YOUR USE OF THE SITE IS SUBJECT TO THE ADDITIONAL DISCLAIMERS AND CAVEATS THAT MAY APPEAR THROUGHOUT THE WEB SITE. PT AND ITS AGENTS ASSUME NO RESPONSIBILITY FOR ANY CONSEQUENCE RELATING DIRECTLY OR INDIRECTLY TO ANY ACTION OR INACTION YOU TAKE BASED ON THE INFORMATION, SERVICES OR OTHER MATERIAL ON THE WEB SITE. WHILE PT STRIVES TO KEEP THE INFORMATION ON THE WEB SITE ACCURATE, COMPLETE, AND UP-TO-DATE, PT AND ITS SUPPLIERS CANNOT GUARANTEE, AND WILL NOT BE RESPONSIBLE FOR, ANY DAMAGE OR LOSS RELATED TO THE ACCURACY, COMPLETENESS, OR TIMELINESS OF THE INFORMATION.

This Web site (“Web Site”) is owned by Protected Tomorrows, Inc. (“PT”). All right to, title to, and interest in the content displayed on the Web Site, including but not limited to the Web Site’s look and feel, data, information, text, graphics, images, sound or video materials, designs, trademarks, service marks, trade names and URL, are the property of PT or its respective partners, agents, or third parties.

THE WEB SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. EXCEPT AS SPECIFICALLY PROVIDED HEREIN, TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, PT EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT.

PT DOES NOT MAKE ANY WARRANTY THAT THE WEB SITE WILL MEET YOUR REQUIREMENTS, OR THAT ACCESS TO THE WEB SITE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS, IF ANY, WILL BE CORRECTED. PT MAKES NO WARRANTIES AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEB SITE OR AS TO THE ACCURACY, QUALITY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE WEB SITE.

YOU UNDERSTAND AND AGREE THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEB SITE IS USED AT YOUR OWN RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA.NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM PROTECTED TOMORROWS OR THROUGH THE WEB SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

The information that we obtain through your use of the Web Site, whether through the registration process or otherwise, is subject to our Privacy Policy. That Privacy Policy addresses our collection and use of the data you provide to us, including your rights relative to that information. Please review the Privacy Policy before you use the Web Site. If you are unwilling to accept the terms and conditions of the Privacy Policy, we ask that you not use the Web Site or order any items from it.

PT attempts to describe the items available on the Web Site as accurately as possible. PT does not warrant that product descriptions are accurate, complete, reliable, current or error-free. If a product described on the Web Site is not as described when you receive it, your sole remedy is to return it to us in unused and undamaged condition in accordance with our Return Policy, which is described below.

Your placement of an order does not necessarily assure that we will accept your order. We may require additional information regarding your order if you have not provided all of the information required by us to complete it. Once a properly completed order is received and authorization of your form of payment is received, we will promptly locate the product(s) you have ordered to place them in line for shipment. If, for some reason, we determine that we cannot ship your product within thirty (30) days following our receipt of a properly completed order, we will cancel your order and advise you of such action.

We cannot confirm the price of an item until you place an order. At the time that you place your order, it will include an estimate for sales tax; the actual amount will be charged at the time your order is shipped. We will add sales tax for orders to be delivered to addresses in the following states: Illinois. Each customer is solely responsible for all sales/use taxes applicable to orders shipped to all other locations. The sales tax we charge will incorporate both state and local taxes and therefore may vary from one locale to another. It will be calculated based on state and local laws, which may include tax on shipping, handling, and gift-wrap charges. No sales tax is applied to gift certificates, but purchases paid for with gift certificates may be subject to tax.

Please be aware that prices, availability and other purchase terms are subject to change without prior notice. We make every effort to ensure the accuracy of the information on our site and when errors are discovered, we will correct them. Be advised that PT reserves the right to revoke any stated offer to correct any errors, inaccuracies or omissions including after an order has been submitted, after it has been confirmed or after your credit card has been charged. If we discover an error after your credit card has been charged and and your order is canceled as a result of the error, your credit card will be refunded the full amount of your order. You will be notified via e-mail if your order has been canceled.

All items purchased from PT are delivered to shipment carriers. The risk of loss and title for such items pass to you upon our delivery to the carrier.

You may return items to PT, for any reason at anytime for a full refund, so long as they are returned unused and unopened, in the original packaging with full contents. We will process your return promptly and will remit your refund in the same form of payment originally used for purchase within thirty (30) business days of our receiving your return. If your return is not due to our error, we will deduct the shipping costs from your refund.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT UNDER NO CIRCUMSTANCES WILL PT BE LIABLE FOR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, ANY LOSS OF USE, LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, COST OF PROCUREMENT OF SUBSTITUTE SERVICES, OR ANY OTHER INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, HOWSOEVER CAUSED, AND ON ANY THEORY OF LIABILITY, WHETHER FOR BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), OR OTHERWISE RESULTING FROM (1) THE USE OF, OR THE INABILITY TO USE, THE WEB SITE; (2) THE USE OF, OR THE INABILITY TO USE, ITEMS PURCHASED ON THE WEB SITE; (3) THE COST OF PROCUREMENT OF SUBSTITUTE SERVICES, ITEMS, OR WEB SITES; (4) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (5) THE STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE WEB SITE; OR (6) ANY OTHER MATTER RELATING TO THE WEB SITE. THESE LIMITATIONS WILL APPLY WHETHER OR NOT PT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY.

You agree to indemnify and hold harmless PT, its directors, officers, employees, agents, co-branders, subsidiaries, parents, and affiliates, from and against any and all liability, losses, claims, demands, disputes, damages, and costs of any kind, including, without limitation, reasonable attorneys’ fees and costs of litigation resulting from or in any way connected with your use of the Web Site; Content you submit, post, or transmit through the Web Site; your breach of the Agreement; and your connection to the Web Site.

PROTECTED TOMORROWS, MY SPECIAL LIFE and the PROTECTED TOMORROWS logo and design are registered trademarks of Protected Tomorrows, Inc. protectedtomorrows.com, TAKE A CANDID LOOK, CREATE THE FUTURE MAP, FILTER THE LEGAL OPTIONS, CAPTURE POTENTIAL BENEFITS, DOCUMENT THE WONDER, BEGIN THE TRANSITION, FUND THE FUTURE, REVIEW AND RENEW, PTLIVE!, PT LIFEPLANNER, and other marks are trademarks or service marks of Protected Tomorrows, Inc.. All other trademarks and service marks are the property of their respective owners. You may not use or display any trademarks or service marks owned by Protected Tomorrows, Inc. without our prior written consent.

You agree that PT may, in its sole discretion, and at any time, modify, discontinue, or suspend its operation of this Web Site, or any part thereof, temporarily or permanently, without notice to you, and you agree that PT will not be liable for the consequences of doing so.

You agree that PT may, in its sole discretion, and at any time, terminate your use of the Web Site, and may remove or delete any or all of your Content within the Web Site, without prior notice to you for any reason that PT, in its sole discretion, deems appropriate. You further agree that PT will not be liable to you or to any third party for the consequences of any termination of your use of or access to the Web Site. In the event of any termination of your use of or access to the Web Site, you agree that the provisions of the Agreement regarding Protection of Intellectual Property Rights and License, Trademark Notices, Indemnification, Disclaimer or Warranties, Limitations of Liability and Applicable Law shall survive any such termination.

If any provision of the Agreement is found by a court or other binding authority to be invalid, you agree that every attempt shall be made to give effect to the parties’ intentions as reflected in that provision, and the remaining provisions contained in the Agreement shall continue in full force and effect.

You agree that any claim or cause of action arising out of your use of the Web Site or the Agreement must be filed within one year after such claim or cause of action arose or it shall forever be barred, notwithstanding any statute of limitations or other law to the contrary.

The Agreement and the resolution of any dispute related to the Agreement, the Web Site, or items you purchase through the Web Site shall be governed by and construed in accordance with the laws of Illinois, without giving effect to any principles of conflicts of law. Any legal action or proceeding between PT and you related to the Agreement shall be brought exclusively in a federal or state court of competent jurisdiction sitting in Illinois, County of Lake and/or the Northern District of Illinois, and you agree to submit to the personal and exclusive jurisdiction of such courts.