Terms of Use

These Terms of Service (the “Agreement”) constitute a legally binding agreement by and between Richer Life, LLC (hereinafter, “Richer Life, LLC”) and you (“You” or “Your”) concerning Your use of Richer Life, LLC’s website (“Website”) and the tools, reports, ratings, information, and services that are available through the Website (“Services”). By using the Website and Services, You represent and warrant that You have read, understand, and agree to be bound by, this Agreement and Richer Life, LLC’s Privacy Policy (“Privacy Policy”), which is incorporated herein by reference and made part of this Agreement. IF YOU DO NOT UNDERSTAND THIS AGREEMENT, OR DO NOT AGREE TO BE BOUND BY THIS AGREEMENT OR PRIVACY POLICY, YOU MUST IMMEDIATELY LEAVE THE WEBSITE AND CEASE USING ITS SERVICES. As used in this agreement: “Advisor” or “Advisors” shall mean a financial professional who visits this Website. “Investor”, “User”, “You”, or “Your” shall mean an investor or potential investor that uses Richer Life, LLC services to learn more, find, screen, evaluate, monitor, or replace financial planners, financial advisors, financial consultants, registered representatives, and money managers.

This website is provided for general educational, informational, and research purposes only. Richer Life, LLC provides the Website for informational purposes only. THE WEBSITE DOES NOT CONTAIN OR CONSTITUTE, AND SHOULD NOT BE INTERPRETED AS, FINANCIAL, LEGAL, TAX, OR INSURANCE ADVICE OR OPINION. Richer Life, LLC is not a financial, legal, tax or insurance firm, and Richer Life, LLC does not provide financial, legal, tax or insurance services or render financial, legal, tax or insurance advice. The Website and Services are not a substitute for the advice of qualified financial, legal, tax or insurance professionals, and the information made available on or through the Website and Services should not be relied upon when making financial, legal, tax or insurance decisions. If you require financial, legal, tax or insurance advice or services, You should consult a qualified, licensed, registered financial, legal, tax or insurance professional. YOUR USE OF THE WEBSITE DOES NOT CREATE AN INVESTOR-ADVISOR RELATIONSHIP BETWEEN YOU AND Richer Life, LLC, Robert Pagliarini, or Pacifica Wealth Advisors, Inc.

No advice or information, whether oral or written, obtained by you from Richer Life, LLC or through or from the service shall create any warranty not expressly stated in the Terms of Service. The service is provided for informational purposes only, and no content included in the service is intended for trading or investing purposes. Richer Life, LLC shall not be responsible or liable for the accuracy, usefulness or availability of any information transmitted or made available via the service, and shall not be responsible or liable for any trading or investment decisions based on such information.

This service is provided for general informational purposes only. Richer Life, LLC is in no way a provider of any personal financial advice or product. Richer Life, LLC is not licensed to provide financial advice or to sell financial products. Richer Life, LLC does not generate any revenue from providing investment advice, selling financial products, or through a financial partnership with any of the professionals listed on the site. We do not generate any fees from selling leads to financial providers or from matching specific individuals to specific financial providers.

Financial planning and investment advisory services are very individualized in nature.

Without a personal review of Your financial situation, it is impossible to offer You proper financial advice. As such, the information and opinions provided by Richer Life, LLC throughout this Site are meant for educational purposes only. In no way should they be construed as being offered specifically for Your use or being specially applicable to Your financial situation. Richer Life, LLC cannot guarantee the accuracy or correctness of any information or opinion provided throughout this Site and specifically disclaims all liability whatsoever associated with Your use of or reliance upon such information and opinions. You agree that any use of the information or opinions provided in this Site is at Your sole risk.

As with any financial planning service, Richer Life, LLC or the Richer Life, LLC Members cannot guarantee the success of fee-only financial planning or that it will be the best option available to You. Richer Life, LLC makes no representations or warranties of any kind with respect to the success or profitability associated with services and disclaims all liability associated therewith.

Richer Life, LLC does not provide any investment advice on this website. Materials and information published or available via this site are for noncommercial, general informational purposes only. Seek and receive investment advice only as provided in a direct manner from a properly credentialed investment advisor.

All users agree that Richer Life, LLC shall not be held liable for any real or perceived loss, damages or civil action. All users agree that Richer Life, LLC is not responsible for the content on the site, or the actions of any users, advertisers and professionals on the site. You agree to indemnify and hold harmless Richer Life, LLC and all officers, owners, employees, partners and agents against any and all real or perceived claims resulting from your use of the site.

The information and materials found on this Site are not an offer to sell or a solicitation of an offer to buy any security or investment product or service, nor shall any such security, product, or service be offered or sold to any person, in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction.

Richer Life, LLC may post the advertisements of third parties on this Site or in email communications. The acceptance by Richer Life, LLC of advertising is not intended as and does not in any manner constitute a recommendation, endorsement, or approval by Richer Life, LLC. Richer Life, LLC shall not be liable for any loss or damage of any sort incurred as a result of any dealings with any advertiser or as the result of the presence of such advertisers on the Site or as a result of any dealings between you and any Investor.

You expressly absolve and release Richer Life, LLC from any claim of harm resulting from a cause beyond Richer Life, LLC’s control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes or other labor problems, wars, or governmental restrictions.

Richer Life, LLC MAY MAKE AVAILABLE TO YOU ON THE SITE OR OTHERWISE CERTAIN INFORMATION, PRODUCTS AND SERVICES. WHILE Richer Life, LLC ENDEAVORS TO PROVIDE THE MOST ACCURATE, UP-TO-DATE INFORMATION AVAILABLE, THE INFORMATION, PRODUCTS, AND SERVICES AVAILABLE ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. MOREOVER, Richer Life, LLC MAY MAKE MODIFICATIONS AND/OR CHANGES IN THIS SITE OR IN THE INFORMATION, PRODUCTS, AND SERVICES DESCRIBED IN THIS SITE AT ANY TIME, FOR ANY REASON. Richer Life, LLC EXPRESSLY DISCLAIMS ALL LIABILITY IN CONNECTION WITH WHICH OF THE ADVISORS OR USERS YOU OR ANYONE ELSE IS POTENTIALLY MATCHED AND THE MANNER/PROCESS USED IN SUCH POTENTIAL MATCHING.

YOU ASSUME THE SOLE RISK OF MAKING USE OF AND/OR RELYING ON THE INFORMATION, PRODUCTS, AND SERVICES AVAILABLE ON THIS SITE OR INFORMATION OTHERWISE PROVIDED TO YOU BY Richer Life, LLC OR OBTAINED AS A RESULT OF YOUR USE OR OTHER INVOLVEMENT WITH THE SITE (THE “AVAILABLE INFORMATION”). Richer Life, LLC MAKES NO REPRESENTATIONS ABOUT THE SUITABILITY, COMPLETENESS, TIMELINESS, RELIABILITY, LEGALITY, OR ACCURACY OF THE INFORMATION, PRODUCTS, AND SERVICES DESCRIBED OR CONTAINED ON THIS SITE OR THE OTHER AVAILABLE INFORMATION FOR ANY PURPOSE. ALL SUCH INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT.

IN NO EVENT SHALL Richer Life, LLC BE LIABLE FOR ANY DAMAGES WHATSOEVER, WHETHER DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, AND SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE UTILIZATION OF THIS SITE OR THIS AGREEMENT, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF Richer Life, LLC HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY. NOTWITHSTANDING, AND WITHOUT LIMITING THE FOREGOING, TOTAL LIABILITY FOR Richer Life, LLC FOR ANY REASON WHATSOEVER UNDER THIS AGREEMENT AND/OR RELATED TO USE OF THE SITE SHALL NOT EXCEED, IN THE AGGREGATE, THE TOTAL AMOUNT PAID BY YOU TO Richer Life, LLC UNDER THIS AGREEMENT DURING THE 12 MONTH PERIOD PRECEDING THE DATE ON WHICH THE APPLICABLE CLAIM AROSE, AND FOR ANY PARTICULAR DISPUTE SHALL NOT, IN ANY EVENT, EXCEED THE TOTAL AMOUNT PAID BY YOU TO Richer Life, LLC IN CONNECTION WITH THE SUBJECT MATTER OF THE PARTICULAR DISPUTE.

You agree to defend, indemnify, and hold harmless Richer Life, LLC and its affiliates, all of their employees, agents, directors, officers, proprietors, partners, representatives, shareholders, servants, attorneys, predecessors, successors, and assigns, from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including reasonable attorneys’ fees and litigation expenses), relating to or arising out of or in connection with any claim, suit, action, or other proceeding brought against Richer Life, LLC or such party, to the extent that such claim, suit, action or other proceeding is based on or arises from: (a) your provision of services to any third party, regardless of whether or not they are Users using the Site; (b) any breach of any representation, warranty, covenant or agreement to be performed by you hereunder; and (c) any information that you have posted to the Site and/or any content on your Web Sites or otherwise given to Users; provided that Richer Life, LLC or such party provides you with written notice of such claim, suit or action and reasonable information and assistance related to defending and/or settling any such claim, suit, action or other proceeding. The provisions of this Section 24 shall survive the termination of this Agreement or your termination or suspension from the Site.

This Site is controlled and operated by Richer Life, LLC from its offices within the United States. Richer Life, LLC makes no representation that materials in the Site are appropriate or available for use in other locations, and access to them from territories where any of the contents of this Site are illegal is prohibited. Those who choose to access this Site from other locations do so on their own volition and are responsible for compliance with applicable local laws.

All services on this website are intended for your personal use only and in accordance with the other terms and conditions of this agreement. You may not use any information on the site, including the names of Advisors, for recruiting, marketing, or any other purpose that violate the intended use of the services on this website. Persons or companies which violate this restriction and/or use Richer Life, LLC for any commercial purpose may be subject to legal action.

The website or any downloadable materials may contain some forward-looking statements. The words “believe,” “anticipate,” “expect,” “will,” or similar words can be used to identify these statements. Users of the website should beware that Richer Life, LLC is not obliged to update or revise these forward-looking statements and, thus, should not rely on these statements’ accuracy or validity. Such information should not be relied upon for the purpose of making any investment decision without the direct guidance of a properly credentialed investment advisor.

The date that content is published on the website will be provided so that you can be sure of the timeliness of our information. In addition, you are responsible for adjusting the cache settings in your web browser to make sure that you are receiving the most updated versions. You may learn how to adjust your cache settings by viewing the HELP menu of your browser.

You may not use any automated scripts or “robots” to access, copy, or manipulate any content provided on this site. You may not engage in denial of service attacks upon the servers that publish this site.

When accessing this website and your online account with us, you agree to comply with local rules, as well as the rules, laws, codes, and regulations of the country in which you reside and the country from which you access this website. You also agree to comply with the rules, laws, codes, and regulations about the transmission of information that is exported from the U.S. and any other relevant U.S and state laws, regulations, and restrictions.

Richer Life, LLC reserves the right to alter, add, or delete any part of its website and Terms of Service at any time without prior notification. Users will be bound by the new Terms of Service effective upon publication of the modified version of the Terms of Service on our site. We thus advise that you review the Terms of Service each time you use any tool or service on our site. If you disagree with the modified version of the Terms of Service, you must immediately discontinue your usage of any tool or service published on our site. Your continued use of this website after we have published a modified version of our Terms of Service on our site is your express indication that you accept each and every term and condition of the modified version of our Terms of Service.

Richer Life, LLC DOES NOT REPRESENT, WARRANT, OR GUARANTEE THE ACCURACY, RELIABILITY, QUALITY OR CURRENCY OF INFORMATION PROVIDED BY INVESTORS ON, THROUGH, BY MEANS OF, OR IN CONNECTION WITH THE WEBSITE AND SERVICES.

Richer Life, LLC provides a questionnaire to Advisors you have found, researched, and selected. In order to provide the Advisor with the questionnaire, certain personal information provided by You must be disclosed to Advisors. You expressly consent to the disclosure of information you provided to Richer Life, LLC to Advisors. Further, You expressly consent to be contacted by Advisors via the contact information that You provide. In order to complete the questionnaire, Advisors must disclose information to Richer Life, LLC and to Users. Advisors expressly consent to the disclosure of information you provided to Richer Life, LLC to Users.

By using the Website and Services, Advisors and Users thereby consent to receive periodic email communications from Richer Life, LLC.

The Website is linked with the websites of third parties (“Third-Party Websites”), some of whom may have established relationships with Richer Life, LLC and some of whom may not. Richer Life, LLC does not have control over the content and performance of Third-Party Websites. Richer Life, LLC HAS NOT REVIEWED, AND CANNOT REVIEW OR CONTROL, ALL OF THE MATERIAL, INCLUDING COMPUTER SOFTWARE OR OTHER GOODS OR SERVICES, MADE AVAILABLE ON OR THROUGH THIRD-PARTY WEBSITES. ACCORDINGLY, Richer Life, LLC DOES NOT REPRESENT, WARRANT OR ENDORSE ANY THIRD-PARTY WEBSITE, OR THE ACCURACY, CURRENCY, CONTENT, FITNESS, LAWFULNESS OR QUALITY OF THE INFORMATION, MATERIAL, GOODS OR SERVICES AVAILABLE THROUGH THIRD-PARTY WEBSITES. Richer Life, LLC DISCLAIMS, AND YOU AGREE TO ASSUME, ALL RESPONSIBILITY AND LIABILITY FOR ANY DAMAGES OR OTHER HARM, WHETHER TO YOU OR TO THIRD PARTIES, RESULTING FROM YOUR USE OF THIRD-PARTY WEBSITES.

“User Content” is any content, materials or information, not including personal information, that You upload or post to, or transmit, display, perform or distribute by means of the Website, whether in connection with Your use of Services or otherwise. YOU HEREBY GRANT Richer Life, LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, REPRESENTATIVES, SUBLICENSEES, SUCCESSORS, AND ASSIGNS (COLLECTIVELY, THE “Richer Life, LLC PARTIES”) A PERPETUAL, FULLY PAID-UP, WORLDWIDE, SUBLICENSABLE, IRREVOCABLE, ASSIGNABLE LICENSE TO COPY, DISTRIBUTE, TRANSMIT, PUBLICLY DISPLAY OR PERFORM, EDIT, TRANSLATE, REFORMAT AND OTHERWISE USE USER CONTENT IN CONNECTION WITH THE OPERATION OF THE WEBSITE, SERVICES OR ANY OTHER SIMILAR OR RELATED BUSINESS, IN ANY MEDIUM NOW EXISTING OR LATER DEVISED, INCLUDING WITHOUT LIMITATION IN ADVERTISING AND PUBLICITY. YOU FURTHER AGREE THAT THE Richer Life, LLC PARTIES MAY PUBLISH OR OTHERWISE DISCLOSE YOUR NAME AND/OR ANY USER NAME OF YOURS IN CONNECTION WITH THEIR EXERCISE OF THE LICENSE GRANTED UNDER THIS SECTION. YOU AGREE TO WAIVE, AND HEREBY WAIVE, ANY CLAIMS ARISING FROM OR RELATING TO THE EXERCISE BY THE Richer Life, LLC PARTIES OF THE RIGHTS GRANTED UNDER THIS SECTION, INCLUDING WITHOUT LIMITATION ANY CLAIMS RELATING TO YOUR RIGHTS OF PERSONAL PRIVACY AND PUBLICITY. YOU WILL NOT BE COMPENSATED FOR ANY EXERCISE OF THE LICENSE GRANTED UNDER THIS SECTION. You hereby represent and warrant that You own all rights, title and interest in and to User Content or are otherwise authorized to grant the rights provided the Richer Life, LLC Parties under this section.

You represent and warrant that you shall not use the Website or Services to upload, post, transmit, display, perform or distribute any content, information or materials that: (a) are libelous, defamatory, abusive, or threatening, excessively violent, harassing, obscene, lewd, lascivious, filthy, or pornographic; (b) constitute child pornography; (c) solicit personal information from or exploit in a sexual or violent manner anyone under the age of 18; (d) incite, encourage or threaten physical harm against another; (e) promote or glorify racial intolerance, use hate and/or racist terms, or signify hate towards any person or group of people; (f) glamorize the use of hard core illegal substances and drugs; (g) violate any provision of this Agreement or any other Richer Life, LLC agreement or policy; or (h) are generally offensive or in bad taste, as determined by Richer Life, LLC (collectively, “Objectionable Content”). Richer Life, LLC DISCLAIMS ANY PERCEIVED, IMPLIED OR ACTUAL DUTY TO MONITOR THE CONTENTS OF THE WEBSITE AND SPECIFICALLY DISCLAIMS ANY RESPONSIBILITY OR LIABILITY FOR INFORMATION PROVIDED HEREON. Without limiting any of its other remedies, Richer Life, LLC reserves the right to terminate Your use of the Website and Services or Your uploading, posting, transmission, display, performance or distribution of Objectionable Content. Richer Life, LLC, in its sole discretion, may delete any Objectionable Content from its servers. Richer Life, LLC intends to cooperate fully with any law enforcement officials or agencies in the investigation of any violation of this Agreement or of any applicable laws.

Richer Life, LLC imposes certain restrictions on Your use of the Website and the Services. You represent and warrant that you will not: (a) “stalk” or otherwise harass any person, or contact any person who has requested not to be contacted; (b) provide false, misleading or inaccurate information to Richer Life, LLC or any other Website user; (c) impersonate, or otherwise misrepresent affiliation, connection or association with, any person or entity; (d) create more than one unique Advisor profile; (e) harvest or otherwise collect information about Richer Life, LLC Users, including email addresses and phone numbers; (f) use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars, or intelligent agents) to harvest or otherwise collect information from the Website for any use, including without limitation use on third-party websites; (g) access content or data not intended for You, or log onto a server or account that You are not authorized to access; (h) attempt to probe, scan, or test the vulnerability of the Services, the Website, or any associated system or network, or breach security or authentication measures without proper authorization; (i) interfere or attempt to interfere with the use of the Website or Services by any other user, host or network, including, without limitation by means of submitting a virus, overloading, “flooding,” “spamming,” “mail bombing,” or “crashing”; (j) use the Website or Services to send unsolicited e-mail, including without limitation promotions or advertisements for products or services; (k) forge any TCP/IP packet header or any part of the header information in any e-mail or in any uploading or posting to, or transmission, display, performance or distribution by means of, the Website or Services; or (l) attempt to modify, reverse-engineer, decompile, disassemble or otherwise reduce or attempt to reduce to a human-perceivable form any of the source code used by the Richer Life, LLC Parties in providing the Website or Services. Any violation of this section may subject You to civil and/or criminal liability.

You represent and warrant that, when using the Website and Services, You will obey the law and respect the intellectual property rights of others. Your use of the Website and Services is at all times governed by and subject to laws regarding copyright ownership and use of intellectual property generally. You agree not to upload, post, transmit, display, perform or distribute any content, information or other materials in violation of any third-party’s copyrights, trademarks, or other intellectual property or proprietary rights. YOU SHALL BE SOLELY RESPONSIBLE FOR ANY VIOLATIONS OF ANY LAWS AND FOR ANY INFRINGEMENTS OF THIRD-PARTY RIGHTS CAUSED BY YOUR USE OF THE WEBSITE AND SERVICES. YOU BARE THE SOLE BURDEN OF PROVING THAT CONTENT, INFORMATION OR OTHER MATERIALS DO NOT VIOLATE ANY LAWS OR THIRD-PARTY RIGHTS.

All content and other materials available through the Website and Services, including without limitation the design, text, graphics, and other files, and the selection, arrangement and organization thereof, are either owned by Richer Life, LLC. or are the property of Richer Life, LLC’s licensors and suppliers. Except as explicitly provided, neither Your use of the Website and Services nor this Agreement grant You any right, title or interest in or to any such materials. Copyright © 2013 to the present, Richer Life, LLC. ALL RIGHTS RESERVED.

As Richer Life, LLC asks others to respect Richer Life, LLC’s intellectual property rights, Richer Life, LLC respects the intellectual property rights of others. If you have evidence, know, or have a good faith belief that your rights or the rights of a third party have been violated and you want Richer Life, LLC to delete, edit, or disable the material in question, you must provide Richer Life, LLC with all of the following information: (a) a physical or electronic signature of a person authorized to act on behalf of the owner of the exclusive right that is allegedly infringed; (b) identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works; (c) identification of the material that is claimed to be infringed or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit Richer Life, LLC to locate the material; (d) information reasonably sufficient to permit Richer Life, LLC to contact you, such as an address, telephone number, and if available, an electronic mail address at which you may be contacted; (e) a statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (f) a statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. For this notification to be effective, you must provide it to Richer Life, LLC’s designated agent at: Email Copyright Agent: [email protected]

NO WARRANTIES.

Richer Life, LLC, ON BEHALF OF ITSELF AND ITS LICENSORS AND SUPPLIERS, HEREBY DISCLAIMS ALL WARRANTIES. THE WEBSITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, Richer Life, LLC, ON BEHALF OF ITSELF AND ITS LICENSORS AND SUPPLIERS, EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE WEBSITE, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. WITHOUT LIMITING THE FOREGOING OR ANY OTHER PROVISION OF THIS AGREEMENT, NEITHER Richer Life, LLC NOR ITS LICENSORS OR SUPPLIERS WARRANTS: (I) THAT THE WEBSITE SERVICES WILL MEET YOUR REQUIREMENTS; (II) THAT THE OPERATION OF THE WEBSITE OR SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE; (III) THAT INFORMATION MADE AVAILABLE ON, THROUGH, BY MEANS OF, OR IN CONNECTION WITH THE WEBSITE OR SERVICES IS ACCURATE, COMPLETE OR TIMELY; AND (IV) ADVISORS, THIRD-PARTY SERVICES, OR THIRD-PARTY CONTENT WILL MEET YOUR EXPECTATIONS OR REQUIREMENTS.

YOUR RESPONSIBILITY FOR LOSS OR DAMAGE

YOU AGREE THAT YOUR USE OF THE WEBSITE AND SERVICES IS AT YOUR SOLE RISK. YOU WILL NOT HOLD Richer Life, LLC OR ITS LICENSORS AND SUPPLIERS, AS APPLICABLE, RESPONSIBLE FOR ANY LOSS OR DAMAGE THAT RESULTS FROM YOUR ACCESS TO OR USE OF THE WEBSITE, INCLUDING WITHOUT LIMITATION ANY FINANCIAL LOSS OR DAMAGE TO YOUR COMPUTERS OR DATA. THE WEBSITE AND SERVICES MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS.

LIMITATION OF LIABILITY

THE LIABILITY OF Richer Life, LLC AND ITS LICENSORS AND SUPPLIERS IS LIMITED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL Richer Life, LLC OR ITS LICENSORS OR SUPPLIERS BE LIABLE FOR SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOST PROFITS, LOST DATA OR CONFIDENTIAL OR OTHER INFORMATION, LOSS OF PRIVACY, COSTS OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, FAILURE TO MEET ANY DUTY INCLUDING WITHOUT LIMITATION OF GOOD FAITH OR OF REASONABLE CARE, NEGLIGENCE, OR OTHERWISE, REGARDLESS OF THE FORESEEABILITY OF THOSE DAMAGES OR OF ANY ADVICE OR NOTICE GIVEN TO Richer Life, LLC OR ITS LICENSORS AND SUPPLIERS ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE WEBSITE OR SERVICES. THIS LIMITATION SHALL APPLY REGARDLESS OF WHETHER THE DAMAGES ARISE OUT OF BREACH OF CONTRACT, TORT, OR ANY OTHER LEGAL THEORY OR FORM OF ACTION. ADDITIONALLY, THE MAXIMUM LIABILITY OF Richer Life, LLC AND ITS LICENSORS AND SUPPLIERS TO YOU UNDER ALL CIRCUMSTANCES WILL BE EQUAL TO THE AGGREGATE PRICE YOU PAID TO Richer Life, LLC DURING THE SIX MONTHS PRECEDING THE INCIDENT OR INCIDENTS GIVING RISE TO SUCH LIABILITY, OR $50.00, WHICHEVER IS GREATER. YOU AGREE THAT THIS LIMITATION OF LIABILITY REPRESENTS A REASONABLE ALLOCATION OF RISK AND IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN Richer Life, LLC AND YOU. THE WEBSITE AND SERVICES WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS.

APPLICATION

THE ABOVE DISCLAIMERS, WAIVERS AND LIMITATIONS DO NOT IN ANY WAY LIMIT ANY OTHER DISCLAIMER OF WARRANTIES OR ANY OTHER LIMITATION OF LIABILITY IN THIS AGREEMENT OR ANY OTHER AGREEMENT BETWEEN YOU AND Richer Life, LLC OR BETWEEN YOU AND ANY OF Richer Life, LLC’S LICENSORS AND SUPPLIERS. SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF CERTAIN IMPLIED WARRANTIES OR THE LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE DISCLAIMERS, WAIVERS AND LIMITATIONS OF LIABILITY MAY NOT APPLY TO YOU. UNLESS LIMITED OR MODIFIED BY APPLICABLE LAW, THE FOREGOING DISCLAIMERS, WAIVERS AND LIMITATIONS SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED, EVEN IF ANY REMEDY FAILS ITS ESSENTIAL PURPOSE. Richer Life, LLC’S LICENSORS AND SUPPLIERS ARE INTENDED THIRD-PARTY BENEFICIARIES OF THESE DISCLAIMERS, WAIVERS AND LIMITATIONS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU THROUGH THE WEBSITE OR OTHERWISE SHALL ALTER ANY OF THE DISCLAIMERS OR LIMITATIONS STATED IN THIS SECTION.

INDEMNITY BY YOU

You agree to defend, indemnify and hold harmless Richer Life, LLC and its officers, directors, employees, agents, affiliates, representatives, sub-licensees, successors, assigns, and Industry Professionals (collectively, the “Indemnified Parties”) from and against any and all claims, actions, demands, causes of action and other proceedings (collectively, “Claims”), including but not limited to legal costs and fees, arising out of or relating to: (i) Your breach of this Agreement, including without limitation any representation or warranty contained in this Agreement; (ii) Your access to or use of the Website or Services; (iii) Your provision to Richer Life, LLC or any of the Indemnified Parties of information or other data; or (iv) Your violation or alleged violation of any foreign or domestic, federal, state or local law or regulation. The Indemnified Parties will have the right, but not the obligation, to participate through counsel of their choice in any defense by You of any Claim as to which You are required to defend, indemnify or hold harmless the Indemnified Parties. You may not settle any Claim without the prior written consent of the concerned Indemnified Parties.

GOVERNING LAW; JURISDICTION AND VENUE

The Website, Services, and this Agreement, including without limitation this Agreement’s interpretation, shall be treated as though this Agreement were executed and performed in Sacramento, California and shall be governed by and construed in accordance with the laws of the State of California without regard to its conflict of law principles. ANY CAUSE OF ACTION BY YOU ARISING OUT OF OR RELATING TO THE WEBSITE, SERVICES, OR THIS AGREEMENT MUST BE INSTITUTED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION AROSE OR BE FOREVER WAIVED AND BARRED. ALL ACTIONS SHALL BE SUBJECT TO THE LIMITATIONS SET FORTH ABOVE. The language in this Agreement shall be interpreted in accordance with its fair meaning and not strictly for or against either party.

You agree that any dispute, of any nature whatsoever, between You and Richer Life, LLC arising out of or relating to the Website, Services, or this Agreement, shall be decided by neutral, binding arbitration before a representative of JAMS in Orange County, California (unless You and Richer Life, LLC mutually agree to a different arbitrator) who shall render an award in accordance with JAMS’ Streamlined Arbitration Rules and Procedures and the substantive laws of California. A final judgment or award by the arbitrator may then be duly entered and recorded by the prevailing party in the appropriate court as final judgment. The arbitrator shall award costs (including, without limitation, the JAMS’ fee and reasonable attorney’s fees) to the prevailing party.

This agreement to arbitrate will not preclude You or Richer Life, LLC from seeking provisional remedies in aid of arbitration, including without limitation orders to stay a court action, compel arbitration or confirm an arbitral award, from a court of competent jurisdiction. Furthermore, this agreement to arbitrate will not preclude You or Richer Life, LLC from applying to a court of competent jurisdiction for a temporary restraining order, preliminary injunction, or other interim or conservatory relief, as necessary. THE PROPER VENUE FOR ANY ACTION PERMITTED UNDER THIS SUBSECTION REGARDING EQUITABLE RELIEF WILL BE THE FEDERAL AND STATE COURTS LOCATED IN SACRAMENTO, CALIFORNIA; THE PARTIES HEREBY WAIVE ANY OBJECTION TO THE VENUE AND PERSONAL JURISDICTION OF SUCH COURTS.

WITHOUT LIMITING ANY OTHER PROVISION OF THIS AGREEMENT, Richer Life, LLC RESERVES THE RIGHT TO, IN Richer Life, LLC’S SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY USE OF THE WEBSITE AND/OR SERVICES TO ANY PERSON FOR ANY REASON OR FOR NO REASON AT ALL, INCLUDING WITHOUT LIMITATION FOR ANY BREACH OR SUSPECTED BREACH OF ANY REPRESENTATION, WARRANTY OR COVENANT CONTAINED IN THIS AGREEMENT, OR OF ANY APPLICABLE LAW OR REGULATION.

This Agreement shall automatically terminate in the event that You breach any of this Agreement’s representations, warranties or covenants. Such termination shall be automatic, and shall not require any action by Richer Life, LLC.

You may terminate this Agreement and Your rights hereunder at any time, for any or no reason at all, by providing to Richer Life, LLC notice of Your intention to do so, in the manner required by this Agreement.

Any termination of this Agreement automatically terminates all rights and licenses granted to You under this Agreement, including all rights to use the Website and Services. Upon termination, Richer Life, LLC may, but has no obligation to, in Richer Life, LLC’s sole discretion, rescind any services, and/or delete from Richer Life, LLC’s systems all Your Personal Information and any other files or information that You made available to Richer Life, LLC or that otherwise relate to Your use of the Website or Services. Subsequent to termination, Richer Life, LLC reserves the right to exercise whatever means it deems necessary to prevent Your unauthorized use of the Website and Services, including without limitation technological barriers such as IP mapping and direct contact with Your Internet Service Provider.

If Richer Life, LLC, in Richer Life, LLC’s discretion, takes legal action against You in connection with any actual or suspected breach of this Agreement, Richer Life, LLC will be entitled to recover from You as part of such legal action, and You agree to pay, Richer Life, LLC’s reasonable costs and attorneys’ fees incurred as a result of such legal action. The Richer Life, LLC Parties will have no legal obligation or other liability to You or to any third party arising out of or relating to any termination of this Agreement.

All notices required or permitted to be given under this Agreement must be in writing. Richer Life, LLC shall give any notice by email sent to the most recent email address, if any, provided by the intended recipient to Richer Life, LLC. You agree that any notice received from Richer Life, LLC electronically satisfies any legal requirement that such notice be in writing. YOU BEAR THE SOLE RESPONSIBILITY OF ENSURING THAT YOUR EMAIL ADDRESS ON FILE WITH Richer Life, LLC IS ACCURATE AND CURRENT, AND NOTICE TO YOU SHALL BE DEEMED EFFECTIVE UPON THE SENDING BY Richer Life, LLC OF AN EMAIL TO THAT ADDRESS. You shall give any notice to Richer Life, LLC by means of fax at: 949-861-9150; or U.S. mail, postage paid, to 9870 Research Drive, Irvine, CA 92618.

This Agreement constitutes the entire agreement between Richer Life, LLC and You concerning Your use of the Website and Services. This Agreement may only be modified by a written amendment signed by an authorized executive of Richer Life, LLC or by the unilateral amendment of this Agreement by Richer Life, LLC and by the posting by Richer Life, LLC of such amended version. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties’ original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. This Agreement and all of Your rights and obligations hereunder will not be assignable or transferable by You without the prior written consent of Richer Life, LLC. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns. You and Richer Life, LLC are independent contractors, and no agency, partnership, joint venture or employee-employer relationship is intended or created by this Agreement. You acknowledge and agree that any actual or threatened breach of this Agreement or infringement of proprietary or other third party rights by You would cause irreparable injury to Richer Life, LLC and Richer Life, LLC’s licensors and suppliers, and would therefore entitle Richer Life, LLC or Richer Life, LLC’s licensors or suppliers, as the case may be, to injunctive relief.

Last Updated: February 7, 2018