Terms & Conditions — Life’s Investments

Welcome to www.lifesinvestments.org (the “Website”). By accessing or using this Website, you agree to comply with and be bound by these Terms & Conditions (“Terms”). Please read them carefully. If you do not agree, please do not use this Website.

1. Acceptance of Terms

These Terms govern your use of the Website and any services, content, or information provided by Life’s Investments (“we,” “our,” “us”). Use of this Website indicates your acceptance of these Terms, our Privacy Policy, and any additional guidelines or rules posted on the Website.

2. Eligibility

This Website is intended for users who are at least 18 years old or accessing the Website under the supervision of a parent or legal guardian. By using this Website, you represent and warrant that you meet this eligibility requirement.

3. Use of Website

You agree to use the Website solely for lawful purposes and in a manner consistent with these Terms. You may not:

Violate any applicable laws, regulations, or third-party rights.

Attempt to gain unauthorized access to any part of the Website, servers, or systems.

Introduce viruses, malware, or other harmful code.

Use the Website for commercial purposes without prior written consent.

4. Donations and Payments

A. Donations

All donations are processed through secure third-party platforms (PayPal, Stripe, Microsoft Donations).

Donations are non-refundable unless required by law.

Life’s Investments reserves the right to refuse or cancel donations in the event of fraud or misuse.

B. Payment Security

Payment information is processed securely using encryption and complies with relevant data protection standards.

We do not store full credit/debit card numbers on our servers.

5. Intellectual Property

All content on this Website, including text, graphics, logos, images, videos, software, and data compilations, is the property of Life’s Investments or its licensors and is protected by U.S. and international intellectual property laws.

You may:

Access and view content for personal, non-commercial use.

You may not:

Reproduce, modify, distribute, display, perform, or create derivative works without prior written consent.

6. Third-Party Links

The Website may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of third-party sites. Accessing third-party links is at your own risk.

7. Privacy

Your use of the Website is also governed by our Privacy Policy. By using this Website, you consent to the collection, use, and storage of your information as outlined in the Privacy Policy.

8. Disclaimers

The Website and all content are provided “as is” and “as available” without warranties of any kind.

Life’s Investments does not guarantee the accuracy, completeness, or timeliness of any content or information on the Website.

Participation in any program, donation, or volunteer opportunity is at your own risk.

9. Limitation of Liability

To the maximum extent permitted by law, Life’s Investments and its affiliates, directors, officers, employees, and agents are not liable for:

Any indirect, incidental, consequential, or punitive damages arising from your use of the Website or services.

Errors, omissions, or interruptions in the Website or donation processing.

Any unauthorized access to or alteration of your data.

10. Indemnification

You agree to indemnify, defend, and hold harmless Life’s Investments and its affiliates, officers, and employees from any claims, damages, liabilities, costs, or expenses arising from:

Your use of the Website in violation of these Terms.

Any content you submit, post, or transmit through the Website.

11. Modifications

We may update or modify these Terms at any time. Updated Terms will be posted on the Website with a revised effective date. Your continued use of the Website constitutes acceptance of the updated Terms.

12. Termination

We may suspend or terminate your access to the Website, without notice, for violations of these Terms or other conduct deemed inappropriate or harmful.

13. Governing Law

These Terms are governed by and construed under the laws of the State of California, United States, without regard to conflict of law principles. Any disputes will be resolved in the courts located within San Diego County, California.

14. Contact Information

If you have questions or concerns regarding these Terms or the Website:

Life’s Investments

Executive Director: Shannon Davis

Email: info@lifesinvestments.org

Phone: (619) 736-0529

Website: www.lifesinvestments.org

Compliance Notes:

Includes Microsoft Azure and U.S. data hosting references.

Donation and payment processing aligns with nonprofit standards.

Governing law and liability clauses comply with U.S. nonprofit organizational guidelines.