Terms and Conditions

1. Acceptance of These Terms

By accessing or using the Windsor Life Settlements website (the “Site”), you agree to be bound by these Terms & Conditions (the “Terms”). If you do not agree to these Terms, you should not use the Site.

These Terms apply to all visitors, users, and others who access or use the Site.

2. About Windsor Life Settlements

“Windsor Life Settlements,” “Windsor,” “we,” “us,” and “our” refer to Windsor Life Settlements and any affiliated entities that operate this Site or provide services described here.

The Site is intended to provide general information about life settlements, viatical settlements, and related topics. It may also allow you to contact us, submit basic case details, or request that we connect you with a life settlement professional.

3. No Legal, Tax, or Investment Advice

Information on this Site is for informational and educational purposes only. It is not:

• Legal advice
• Tax advice
• Financial or investment advice

You should consult your own attorney, tax advisor, financial professional, or other licensed expert before making any decisions about your life insurance policy or any potential life settlement transaction.

Windsor does not act as your legal, tax, or investment advisor. Using this Site does not create an attorney-client, tax advisor-client, or broker-client relationship. As a life settlement broker, Windsor owes a fiduciary duty to the policyowner it represents. That duty begins when the policyowner signs a broker agreement with Windsor.

4. Eligibility & Life Settlement Qualification

Life settlement eligibility depends on many factors, including but not limited to policy type, face amount, premium structure, insured’s age, and health status. Most policyholders will not qualify for a life settlement, and not every policy can or should be sold.

For a deeper explanation of why many policies do not qualify, and what factors affect eligibility, we encourage you to review our article, “You Probably Don’t Qualify for a Life Settlement. Here’s Why.”

Nothing on this Site guarantees that:

• You will qualify for a life settlement;
• You will receive a particular offer or price; or
• A transaction will close on any particular terms or timeline.

5. Information We Collect

When you use the Site, we may collect:

1. Information you choose to provide
   • Name, email address, phone number, and other contact details
   • Basic policy or case details you submit (e.g., policy type, face amount, carrier, insured age, health information you voluntarily provide)
   • Any other information you send us via contact forms, email, or other communication
2. Automatically collected information
   Depending on how the Site is configured, we may collect technical data such as:
   • IP address, browser type, device type, operating system
   • Pages visited, time spent on pages, referring URLs
   • Cookies or similar technologies used to remember preferences and understand how the Site is used

6. How We Use Your Information

We may use your information to:

• Respond to your inquiries and provide information you request
• Evaluate whether your policy may qualify for a life settlement or related service
• Operate, maintain, and improve the Site and our services
• Communicate with you about your inquiry, case status, or related services
• Comply with legal and regulatory obligations
• Protect the security, integrity, and lawful use of the Site and our business

We use the minimum amount of information reasonably necessary for these purposes.

7. How We Share Your Information

A. Our Core Principle

We take confidentiality seriously. We do not sell your personal information.
We do not share your personal data with outside companies for their own marketing purposes without your express written consent.

B. Limited Situations Where Sharing May Occur

We may share your information in the following limited circumstances:

1. Service Providers / Vendors
   With third-party service providers who perform services on our behalf (for example: website hosting, data storage, email delivery, security, analytics), subject to strict confidentiality and data protection obligations. These parties are not allowed to use your information for their own marketing.
2. Life Settlement–Related Professionals (With Your Direction or Consent)
   If you ask us to evaluate your policy or to explore potential offers, we may, with your permission, share policy and health information with necessary counterparties, such as:
   • Licensed life settlement providers
   • Underwriters and pricing analysts
   • Other regulated entities involved in evaluating or funding life settlement transactions
3. In these cases, we share only what is reasonably needed to evaluate your case and only in accordance with applicable laws and regulations. Where required, we will obtain your written consent or authorization (for example, HIPAA authorizations and other disclosures).
4. Legal and Regulatory Requirements
   We may share information when we believe it is reasonably necessary to:
   • Comply with applicable laws, regulations, court orders, or lawful requests from government authorities
   • Protect our rights, property, or safety, or that of our clients or others
   • Investigate or prevent fraud, abuse, or other unlawful activity
5. Business Transfers
   If Windsor is involved in a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction, subject to confidentiality obligations and these same commitments.

C. Written Consent for Marketing by Third Parties

If at any point a third party wishes to use your personal information for its own marketing or promotional purposes, we will not authorize that use unless and until you have provided your explicit, written consent. If you do not provide such consent, your information will not be used by third parties for their own marketing.

8. Cookies & Tracking Technologies

The Site may use cookies or similar technologies to:

• Remember your preferences
• Understand how visitors use the Site
• Improve performance and security

You can usually control cookies through your browser settings. Disabling cookies may affect how the Site functions.

If we use third-party analytics tools, those providers may use cookies or similar technologies as well, but they are prohibited from using personally identifiable information for their own marketing under our agreements.

9. Third-Party Websites & Links

The Site may contain links to third-party websites or resources. These are provided for convenience only.

Windsor does not control and is not responsible for:

• The content, security, or practices of third-party sites
• How those third parties collect, use, or share your information

When you click on a third-party link, you do so at your own risk and are subject to that site’s own terms and privacy policies.

10. Security

We use commercially reasonable administrative, technical, and physical safeguards designed to protect your information against unauthorized access, disclosure, or misuse.

However, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security, and you use the Site at your own risk.

11. Data Retention

We retain personal information for as long as reasonably necessary to:

• Respond to your inquiries or evaluate your case
• Comply with legal, regulatory, and recordkeeping requirements
• Resolve disputes and enforce our agreements

When information is no longer needed for these purposes, we will use reasonable measures to delete, anonymize, or securely store it in accordance with applicable laws.

12. Your Choices & Rights

Depending on where you live and the laws that apply, you may have certain rights regarding your personal information, which may include:

• The right to access the personal information we hold about you
• The right to correct or update inaccurate information
• The right to request deletion of your personal information (subject to legal and contractual constraints)
• The right to limit certain uses or disclosures
• The right to withdraw consent where processing is based on consent

To exercise any of these rights, please contact us using the details in the Contact Us section below. We may need to verify your identity before responding.

13. Communications Preferences

If you receive marketing communications from us, you may opt out at any time by:

• Using the unsubscribe link in the email, or
• Contacting us directly and requesting that we update your preferences.

We may still send you non-marketing communications, such as case updates, administrative messages, or information required by law.

14. Changes to These Terms

We may update or modify these Terms from time to time. When we do, we will revise the “Last updated” date at the top of this page.

Your continued use of the Site after any changes become effective constitutes your acceptance of the updated Terms. If you do not agree with the changes, you should stop using the Site.

15. Contact Us

If you have any questions about these Terms, our data practices, or how your information is handled, contact Windsor at 1-888-994-6376, Monday to Friday, 9am to 5pm CT.

16. Disclaimer and Limitation of Liability

The Site and its content are provided “as is” and “as available,” without warranties of any kind, express or implied. Windsor does not warrant that the Site will be uninterrupted or error-free, or that any estimate or calculator result is accurate for a specific policy.

To the fullest extent permitted by law, Windsor is not liable for any indirect, incidental, special, or consequential damages arising from use of, or inability to use, the Site or its content.

17. Governing Law

These Terms are governed by the laws of the State of Illinois, without regard to its conflict of law rules.

SMS Terms And Conditions

Windsor Life Settlements sends text messages to clients about their life settlement case, such as status updates and document requests. Message frequency varies by case.

Message and data rates may apply.

Reply STOP to stop receiving messages. Reply HELP for help, or call 1-888-994-6376.

Consent to receive text messages is not a condition of any purchase or service.

Mobile phone numbers and text message opt-in data are not shared with third parties or affiliates for marketing or promotional purposes. Contact information is used only for the purposes clients consent to when sharing it with Windsor Life Settlements.