YOUR USE OF THIS WEB SITE CONSTITUTES YOUR ACCEPTANCE OF AND AGREEMENT TO THE FOLLOWING TERMS AND CONDITIONS OF USE. IF THESE TERMS AND CONDITIONS ARE NOT FULLY ACCEPTABLE TO YOU, YOU MAY NOT USE THIS SITE.

TERMS AND CONDITIONS OF USE

1. DISCLAIMER - NO WARRANT OF INFORMATION
LIFE'SPLAN, Inc. DOES NOT MAKE ANY REPRESENTATION OR WARRANTY, WHETHER
RELATED TO THE CURRENCY, ACCURACY, QUALITY, CORRECTNESS OR OTHERWISE, WITH REGARD TO ANY INFORMATION, IMAGES, DOCUMENTS, MATERIAL OR OTHER CONTENT POSTED OR PUBLISHED ON THIS SITE. BY USING THIS WEB SITE,YOU ASSUME THE RISK THAT THE CONTENT ON THIS WEB SITE MAY BE INACCURATE, INCOMPLETE, OR OFFENSIVE. LIFE'SPLAN, Inc. DOES NOT WARRANT THAT THIS SITE OR ITS SERVER(S) ARE FREE OF ANY VIRUSES, WORMS OR OTHER HARMFUL OR INTERFERING COMPONENTS. ANY INFORMATION, IMAGES, DOCUMENTS AND MATERIALS THAT YOU FIND ON THIS SITE ARE PROVIDED "AS IS" AND "WHERE IS" WITHOUT WARRANTY OR REPRESENTATION OF ANY KIND, EITHER EXPRESS OR IMPLIED. LIFE'SPLAN, Inc DISCLAIMS ALL WARRANTIES, REPRESENTATIONS AND CONDITIONS, WHETHER EXPRESS, IMPLIED OR STATUTORY, WITH REGARD TO THIS SITE, INCLUDING, BUT NOT LIMITED TO, THE USE OR ACCESS OF THIS SITE, THE INFORMATION, IMAGES, DOCUMENTS AND MATERIALS ON THIS SITE, PRIVACY, MERCHANTABILITY, FITNESS FOR PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, WHETHER THIS SITE WILL BE TIMELY, SECURE, UNINTERRUPTED,
OR ERROR FREE OR THAT DEFECTS WILL BE CORRECTED.

2. NO LEGAL ADVICE PROVIDED
The purpose of this site is not to provide specific legal advice and should
not be used as a substitute for competent legal advice. The information and
material on this site are provided for informational purposes only. While a
great deal of care has been taken to provide accurate and current
information, the ideas, information, general principles and conclusions
presented at this site may vary depending on local, state and federal laws
and regulations and court cases. You and all other users are urged to
consult their professional legal counsel in their state regarding the
applicability of any points of law discussed in this site to any specific
problem, especially in light of the fact that the law is subject to
different interpretations, constantly changes, and its application can vary
from jurisdiction to jurisdiction.

3. LIMITATION OF LIABILITY
IN NO EVENT WILL LIFE'SPLAN, Inc. BE LIABLE FOR ANY LOSS OF PROFITS, LOSS OF
USE, LOSS OF DATA, DISCLOSURE OF DATA OR INFORMATION, ANY SPECIAL,
EXEMPLARY, DIRECT, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES THAT ARE
DIRECTLY OR INDIRECTLY RELATED TO THIS SITE OR THE USE OR ACCESS OF THIS
SITE.

4. COPYRIGHT OWNERSHIP, LICENSE & RESTRICTIONS ON USE
LIFE'SPLAN, Inc. owns all rights, title and interest in any work, document,
material, images or other content on this site. By accessing and using this
site, you agree to abide by all state, federal and international copyright,
trademark or other intellectual property laws. As a user you are authorized
to view and use this site provided solely for your own personal,
informational, non-commercial purposes. Except as expressly provided, no
part of this site, including but not limited to materials retrieved
therefrom, may be reproduced, downloaded, republished, copied, transmitted,
or distributed in any form or by any means. In no event shall materials from
this site be stored in any information storage and retrieval system without
prior written permission from the Office of the Public Guardian or its
licensor(s).

5. CHANGES TO THE SITE AND TERMS AND CONDITIONS
LIFE'SPLAN, Inc. reserves the right to make any changes, corrections, or
modifications to or amend this site, Terms and Conditions, or any other
terms, conditions or policy in connection with this site or its use with or
without notice. Please check this site on a regular basis for any changes,
corrections, modifications or amendments. Continued use of this site
constitutes acceptance of any changes, corrections, modifications, or
amendments made to this site, the Terms and Conditions, in connection with
this site or its use.

6. INDEMNITY
You agree to indemnify and hold harmless LIFE'sPLAN, Inc., its officers,
employees, representatives, and agents (the "Indemnities") from and against
any loss, damages, judgment, award, cost and expense (including any
reasonable attorneys, witness or other fees), and defend each Indemnities
against any threatened or initiated claim, action, suit, litigation,
mediation, arbitration, or proceeding arising from or in connection with (i)
your use of this site, (ii) infringement of any intellectual property right
by you or resulting from your use of this site, and (iii) any violation of
or noncompliance of you with any of the Terms and Conditions, the Privacy
Policy or any other terms, conditions or policy on this site and any law,
statute, regulation, rule or order.

7. APPLICABLE LAW; FORUM
The Terms and Conditions shall be governed by and construed in accordance
with the laws of the State of Illinois, without regard to its conflict of
laws rules. You agree that any action at law or in equity or any dispute
arising out of or relating to the Terms and Conditions shall be subject to
the exclusive jurisdiction of the state or federal courts located in the
State of Illinois.

8. SEVERABILITY
The Terms and Conditions incorporate by reference any notices contained on
this site and constitute the entire agreement with respect to your access to
and use of this site. If any provision of the Terms and Conditions or
portion thereof is unlawful, void or unenforceable, then that provision or
portion thereof shall be deemed severable from the remaining provisions and
shall not affect the lawfulness, validity and enforceability of the
remaining provisions.