Terms and Conditions

By using and accessing this web site, you acknowledge and agree to the following terms and conditions of use (the “Terms”) without limitation or qualification.

The website for MRE Finance LLC (“MRE Finance”) is for information and life insurance policy evaluation and qualification purposes only. MRE Finance is a marketing company and is not a life settlement provider or broker. MRE Finance will refer qualified policies to a licensed entity.

The Policy Value Estimator is a tool intended to assist MRE Finance in the evaluation and qualification of life insurance policies and is not intended to represent the actual value or an offer to purchase a life insurance policy. Use of the Policy Value Estimator tool does not guarantee that any life settlement provider will or will not offer to purchase a policy. By using the Policy Estimator tool, you authorize MRE Finance to contact you, by email, text or by telephone. You further authorize MRE Finance to provide any and all information provided by you on this form, including your personal and/or health information, to MRE Finance’s affiliates, as well as to non-affiliated life settlement providers, brokers and other contracted entities, for the purpose of evaluating and qualifying for a life settlement, annuities or other insurance instrument.

Please direct any questions or suggestions regarding this web site to [email protected].

You acknowledge that all communications to or from MRE Finance or its affiliates may be monitored and recorded and you agree to such monitoring and recording. You verify that any contact information provided to MRE Finance, including, but not limited to, your name, mailing address, email address, your residential and/or your mobile telephone number, is true and accurate. You verify that you are the current subscriber or owner of any telephone number that you provide to us. If any of your contact information changes, you can notify us by email at [email protected].

By using this website, you agree to indemnify, defend and hold MRE Finance and its affiliates harmless from and against any and all claims, losses, liability, costs, and expenses (including reasonable attorneys’ fees) arising from failure to update your contact information (this includes your telephone number).

By voluntarily providing your contact information to MRE Finance, you expressly agree to receive voice messages and/or calls or text messages from MRE Finance or its affiliates. You also agree that MRE Finance may obtain, and you expressly agree to be contacted at, any email addresses, mailing addresses, or phone numbers provided by you directly at any time or obtained through other lawful means, such as caller ID capture. You agree to receive communications even if your policy does not qualify, unless you opt-out, as provided below. Consent to receive marketing calls/texts or emails is not a condition of qualifying your policy. You may incur a charge for these calls or text messages by your telephone carrier and you agree that MRE Finance and its affiliates are not responsible for these charges.

You may opt-out from receiving communications from us at any time by calling us toll free at 1-800-521-0770 or by emailing us at [email protected]

Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS AND LIMITS CERTAIN RIGHTS INCLUDING, BUT NOT LIMITED, TO THE RIGHT TO BRING AN ACTION IN COURT, TO SEEK TRIAL BY JURY, AND TO BRING CLASS ACTIONS.

Any claim, dispute, or controversy arising from or relating to your relationship with MRE Finance or its affiliates, whether in contract, tort, pursuant to statute, regulation, ordinance, or in equity or otherwise, wherever and by whomever commenced (“Claim”), shall, upon delivery of a written notice demanding arbitration to the other party (including a written notice after the commencement of a lawsuit or a notice contained in court filings in any such lawsuit), be resolved by binding arbitration on an individual (not class) basis only. Such arbitration shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1 et seq. (and not any state law concerning arbitration), these Terms, and the applicable rules of JAMS–excluding any rules pertaining to class arbitration, and subject to any modifications of those rules by this Arbitration Agreement–in effect at the time of the written notice demanding arbitration. In the event of a conflict between JAMS rules and this Arbitration Agreement, this Arbitration Agreement shall control. In the event of a conflict between this Arbitration Agreement and another potentially applicable contractual arbitration provision, this Arbitration Agreement shall control.

The arbitrators shall not apply any arbitration provision other than this Arbitration Agreement in administering any arbitration concerning Claims falling within the scope of this Arbitration Agreement. The term “Claim”, as used in this Arbitration Agreement, is to be given the broadest possible meaning, and includes without limitation claims, disputes, or controversies arising from telephone, email, text or written communications from MRE Finance or its affiliates or qualifying your policy for possible purchase. Any dispute regarding arbitrability, including the permissibly of class arbitration, however, shall be resolved by a court of competent jurisdiction, and not in arbitration. For avoidance of doubt, all disputes regarding the availability of class-wide or consolidated arbitration shall be resolved in court and not in arbitration, regardless of the posture under which such disputes arise.

WILL NOT HAVE THE RIGHT TO A JURY TRIAL IN ARBITRATION. DISCOVERY AND RIGHTS TO APPEAL GENERALLY ARE MORE LIMITED IN ARBITRATION THAN IN A LAWSUIT, AND OTHER RIGHTS APPLICABLE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION.

THE ARBITRATION AGREEMENT IS FULLY BINDING IN THE EVENT THAT A CLASS ACTION OR SIMILAR LAWSUIT OR CLASS ARBITRATION IS FILED IN WHICH YOU WOULD BE A CLASS REPRESENTATIVE OR MEMBER, OR WOULD ACT IN A PRIVATE ATTORNEY GENERAL CAPACITY. YOU AGREE THAT THERE SHALL BE NO CLASS OR CONSOLIDATED ARBITRATION OF ANY CLAIM, AND YOU EXPRESSLY WAIVE ANY RIGHT TO ARBITRATE OR LITIGATE IN A CLASS ACTION.

JAMS will be used for the purposes of administering an arbitration governed by this Arbitration Agreement. The arbitration will be conducted in accordance with the provisions of JAMS Arbitration Rules and Procedures in effect at the time of filing of the demand for arbitration. The web site containing applicable rules for JAMS is www.jamsadr.com. The arbitration will be decided by one (1) arbitrator, who must be a lawyer with more than ten (10) years of experience or a retired judge.

Arbitrations seeking relief less than $10,000 in the aggregate will be held within the federal judicial district encompassing the city where you reside. Arbitrations seeking relief of $10,000 or more in the aggregate will be held in the State of New Jersey.

MRE Finance will pay the first $2,000.00 in fees charged by the arbitration administrator for Claim(s) associated by you in the arbitration, after you have paid an amount equivalent to the fee, if any, had such Claim(s) been filed in state or federal court (whichever is less). This Agreement and the rights of the parties hereunder shall be governed by and construed in accordance with the laws of the State of New Jersey, exclusive of conflict or choice of law rules. Thereafter, the parties to the arbitration shall share the arbitration fees equally, which amounts shall not be recoverable in the arbitration. Each party to the arbitration shall be responsible for its own attorney, expert, and other fees.

Consistent with the individual (not class) nature of the arbitration for which this Arbitration Agreement provides, there shall be no discovery in such arbitration of the name or other identifying information of any insured or policy owner. Nor shall there be discovery in such arbitration of any trade secret, or any document or information pertaining exclusively to one or more transactions in which you were not directly involved. The arbitrator shall apply the Federal Rules of Civil Procedure and Federal Rules of Evidence, except that in the event of a conflict between any of those rules and this Arbitration Agreement, this Arbitration Agreement shall control.

If any portion of this Arbitration Agreement is deemed invalid or unenforceable, it shall not invalidate the other provisions of the Arbitration Agreement; provided, however, that if the prohibition on class-wide arbitration is deemed invalid or unenforceable–an issue that may be considered only in a putative class proceeding–then this entire Arbitration Agreement shall be null and void.

Disclaimer

MRE finance makes no representations about the suitability of the information contained in the documents and related information published on this site for any purpose. All such documents and related information are provided “as is” without warranty of any kind. MRE finance and/or its respective suppliers hereby disclaim all warranties and conditions with regard to this information, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title and non-infringement. The documents and information published on this site could include technical inaccuracies or typographical errors. Changes are periodically updated to the information herein. MRE finance or its suppliers may make improvements and/or changes in the form(s) and/or the tool(s) provided or described herein at any time.

Limitation of Liability

In no event shall MRE finance be liable for any special, indirect or consequential damages or any damages whatsoever resulting from loss of use, data or profits, whether in an action of contract, negligence or other tortious action, arising out of or in connection with the use or performance of information available from this server.

Notice Specific to Website Content

No permission of any kind is granted regarding the use or reproduction of the design or layout of the www.mrefinance.com web site or any other owned, operated, licensed or controlled site by MRE Finance. Elements of this web site are protected by trade dress, trademark, unfair competition, and other laws and may not be copied or imitated in whole or in part. No logo, graphic, sound or image from any MRE Finance web site may be copied or retransmitted unless expressly authorized in writing by MRE Finance.

Any rights not expressly granted herein are reserved. MRE Finance LLC reserves the right to change the Terms at any time and you are responsible to review regularly.

Terms and Conditions