PRIVACY POLICY

TERMS OF USE
By using this website, (www.northstarlife.com) (the “Site”), you are knowingly and willingly agreeing to be bound by these Terms of Use and understand that these Terms of Use shall constitute a binding and enforceable contract between you and NorthStar Life Services, LLC (“NorthStar”). These Terms of Use set forth the terms and conditions under which you may access and use the Site. If you do not agree to these Terms of Use, you may not use this Site.
Modifications
NorthStar may, in its sole discretion and at any time, modify these Terms of Use, in whole or in part, by posting a modified Terms of Use on the Site. Your continued use of the Site following the posting of changes will operate as an acknowledgement of your acceptance of the then current Terms of Use. The Terms of Use will include the date NorthStar last updated the Terms of Use.
Use of the Site
You agree and acknowledge that the Site and the content, including, but not limited to, graphics, text, video, and the like which are posted on the Site from time to time, any third party content, and other information provided on the Site (the “Site Content”), is the sole and exclusive intellectual property of NorthStar or is licensed by NorthStar for use on the Site and shall not be copied, reproduced, displayed, used, sold or otherwise distributed or modified without the express prior written consent of NorthStar or its licensors. NorthStar hereby grants you a license to view the Site and the Site Content solely in accordance with the terms and conditions of these Terms of Use. Exclusive of any third party content and subject to the above limitations, you may print a single copy of limited portions of the Site Content solely for your personal, non-commercial use.

Indemnity
You agree to defend, indemnify and hold harmless NorthStar, its subsidiaries, affiliates, partners, employees, officers, directors, agents, licensors, licensees or content providers (the “NorthStar Indemnities”) from any claims, losses, damages, expenses, demands, and costs (including without limitation reasonable attorneys fees), arising out of or relating to your use of the Site.

Jurisdictional Disclaimer
NorthStar intends that the Site will be viewed by U.S. persons for informational purposes only. This should not be viewed as a solicitation or offer of services in any jurisdiction in which NorthStar is not qualified to do business. It is provided for informational purposes only.

Privacy
The Privacy Policy contains additional information about how your information (including information that will not be publicly viewable) will and will not be used.
Representations & Warranties
(a) Disclaimer of Warranties: THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. NORTHSTAR EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. NORTHSTAR MAKES NO WARRANTY THAT (i) THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE FROM VIRUSES OR MALICIOUS CODE; OR (ii) THE QUALITY OR ACCURACY OF ANY SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE SITE WILL MEET YOUR EXPECTATIONS. ANY MATERIAL DOWNLOADED FROM OR OTHERWISE OBTAINED THROUGH THE SITE IS AT YOUR OWN RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA RESULTING FROM SUCH DOWNLOAD OR USE.
(b) Limitation of Liability: UNDER NO CIRCUMSTANCES, INCLUDING NEGLIGENCE, WILL NORTHSTAR, ITS SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, ADVISORS, LICENSORS, LICENSEES OR CONTENT PROVIDERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES THAT RESULT FROM YOUR USE OF OR INABILITY TO USE THE SITE, INCLUDING BUT NOT LIMITED TO RELIANCE ON INFORMATION OBTAINED ON THE SITE, MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR ELECTRONIC MAIL, LOSS OF OR DAMAGE TO DATA, ERRORS, DEFECTS, VIRUSES, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO THE SITE. YOU HEREBY ACKNOWLEDGE AND AGREE THAT THIS PROVISION WILL APPLY WHETHER OR NOT NORTHSTAR IS GIVEN NOTICE OF THE POSSIBILITY OF SUCH DAMAGES AND THAT THIS PROVISION WILL APPLY TO ALL SITE CONTENT, OR SERVICES THAT MAY BE AVAILABLE FROM TIME TO TIME FROM NORTHSTAR OR ITS SUBSIDIARIES AND AFFILIATES. NOTWITHSTANDING THE FOREGOING, ANY LIABILITY RESULTING FROM YOUR USE OF THE SITE SHALL BE LIMITED TO ONE HUNDRED DOLLARS, IN THE AGGREGATE FOR ALL CLAIMS AGAINST NORTHSTAR AND NORTHSTAR INDEMNITIES.
(c) Exclusions and Limitations: Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you. In any event, the foregoing limitations shall apply to the greatest extent permitted by law.

Third Party Links
The Site may contain hyperlinks ("Links") to other websites, or advertising or sponsorships operated by or referring to third parties and/or their goods and services ("Advertising"). Links and Advertising may be made available to assist you, the user. NorthStar does not control such Links or Advertising. NORTHSTAR MAKES NO REPRESENTATION OR WARRANTIES CONCERNING SUCH THIRD PARTY WEBSITES OR RESOURCES AND IS NOT RESPONSIBLE FOR THE CONTENT OR OPERATION OF SUCH THIRD PARTY WEBSITES OR RESOURCES, AND SHALL HAVE NO LIABILITY IN CONNECTION WITH THEM. Inclusion of such Links or Advertising does not imply any endorsement by NorthStar, including but not limited to opinions, statements, information, individuals or entities referred to on such Links or Advertising or any association with their operators. You are solely responsible for any charges or obligations that you may incur in your dealings with such linked site operators or advertisers. Linked sites or other web sites may also have a Link to this Site; NorthStar is not, and you agree that NorthStar is not, responsible for the content of any such web site or the actions of any operator of any such web site.

Warning Against Hackers
It is possible that other users or unauthorized "hackers" may post or transmit offensive or obscene materials on the Site and that you may be involuntarily exposed to such materials. It may also be possible for other users or "hackers" to obtain personal information about you. By using the Site, you assume the risk of such occurrences.

Miscellaneous Terms
(a) Governing Law. By accessing the Site, you agree that the laws of the State of New York, without regard to principles or conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and NorthStar or its affiliates. In addition, you agree to submit to the jurisdiction of the courts of the State of New York, and that any action pursued concerning these Terms of Use or your use of the Site shall be within the exclusive jurisdiction of the courts of the State of New York.
(b) Construction. If any provision of these Terms of Use is held by a court of competent jurisdiction to be invalid or unenforceable, then such provision shall be enforced to the maximum extent permissible so as to affect the intent of these Terms of Use, and the remainder of these Terms of Use shall continue in full force and effect.
(c) No Waiver. The failure by either you or NorthStar to exercise or enforce any rights or provisions of these Terms of Use shall not constitute a waiver of such right or provision or any other provision of these Terms of Use.
(d) Survival and Severability. Each provision in these Terms of Use regarding representations and warranties, indemnification, disclaimers and limitations on liability shall survive any termination of these Terms of Use and if otherwise legally unenforceable due to its breadth, shall be interpreted in such a manner as to preserve its enforceability, while maintaining with the least change in scope.
(e) Headings. The headings hereof are descriptive only and not to be used in interpreting the provisions of these Terms of Use.

Contacting NorthStar
You may contact us if you any questions about the Terms of Use, the practices of this Site, or your dealings with the Site by sending an e-mail to info@northstarlife.com.

(Updated as of September 1, 2009)
PRIVACY POLICY
This Privacy Policy describes the type of information NorthStar Life Services, LLC (“NorthStar”) collects from this Site and how that information may be used. This Privacy Policy, together with our Terms of Use, as may be modified from time to time, governs your use of this website, (www.northstarlife.com) (the “Site”). Your continued use of the Site signifies your acceptance of this Privacy Policy.

Modifications
NorthStar may, in its sole discretion and at any time, modify this Privacy Policy, in whole or in part, by posting a modified Privacy Policy on the Site. Your continued use of the Site following the posting of changes will operate as an acknowledgement of your acceptance of the then current Privacy Policy. The Privacy Policy will include the date NorthStar last updated the Privacy Policy.

Information Collection
You are not required to provide information, such as your name, address, email address, telephone number, company name, title or other information, that might reasonably be used to identify you personally (“Personal Information”) to make use of this Site. NorthStar will only collect Personal Information when it is provided to us by you such as in an email, on a registration form, in an online survey, when requesting information or in other similar transmissions.
To help us monitor Site usage patterns and to help us improve this Site, NorthStar may use certain technologies to gather information from you that does not reveal your identity (“Generic Information”), such as information about the Internet Protocol address assigned to your computer, browser type you are using, your internet service provider (“ISP”), your platform type, the date/time you visited the Site, the number and frequency of visits, time spent visiting the Site, usage patterns within the Site, referring/exit websites and the web pages visited. This information is not matched to your personal information and does not personally identify you.

Use of Information
NorthStar may use Personal Information collected to contact you to reply to your questions or requests, or to send you news and information about NorthStar, or NorthStar publications. To opt out of receiving future mailings, see the Opt Out section below.
NorthStar does not share Personal Information collected with third parties for their marketing purposes. If third parties are used to provide specific services or information to you, those third parties may be allowed to use your Personal Information to provide such services.
Additionally, NorthStar may share Personal Information or Generic Information when they believe it is necessary to comply with the law, court order, to protect our interests or property or to protect against misuse or unauthorized use of the Site and/or any service offered therein and you hereby agree to such disclosure. This may include sharing information with other companies, lawyers or government agencies in connection with investigating reports of users using a false email address or users sending harassing, threatening, or abusive messages or other issues related to fraud or government subpoenas, warrants and/or court orders.
NorthStar may share Generic Information collected with affiliates, contractors and other third parties.
In the event some or all of the business assets of NorthStar are sold or transferred, NorthStar will likely also transfer the corresponding Personal Information or Generic Information.

Opt Out
You may choose to opt out of receiving e-mail messages with news and information about NorthStar and NorthStar publications by sending an email from the e-mail address at which you are receiving the messages to HYPERLINK "mailto:info@northstarlife.com" info@northstarlife.com requesting that your email address be removed.

Security
Unfortunately, data transmission over the Internet cannot be guaranteed to be secure nor is any security system completely secure. NorthStar does not guarantee the security of any information you transmit to us or provide to us online. NorthStar requests that you do not send, and NorthStar will not be liable for your sending sensitive or confidential information electronically.

Children Under 13
This Site is not directed at children 13 years of age or younger. NorthStar will not intentionally collect information about any user under the age of 13.

Third Party Links
This Site may provide links to third party websites. Even if the third party is affiliated with NorthStar through a business partnership or otherwise, NorthStar is not responsible for the privacy policies or practices or the content of such external websites. Each user is responsible for reviewing and complying with any third parties’ relevant privacy policies.

Contacting NorthStar
To contact us about this Privacy Policy or this Site, send us an email at info@northstarlife.com.