Terms of use

By using this site or by clicking “I agree” to this Agreement, you (“User”) signify your agreement to
these terms and conditions. If you do not agree to this Agreement, please do not use this site and do not
click “I agree”. Please check this Agreement periodically for changes as the owner of this site, MWR
Life, located at 20801 Biscayne Blvd, Suite 308, Aventura, FL 33180, USA and MWR Life Limited,
located at 637 Oxford Road, Reading, Berkshire RG30 1HP, UK, (“Company”) reserves the right to
revise this Agreement. In the event of a change to this Agreement, your continued use of this site
following the posting of any changes constitutes acceptance of such changes. The Company reserves the
right to terminate a User’s use of this site at any time without notice and may do so for any breach of this
This Agreement must be completed, understood and agreed to by a person over 18. If a parent or guardian
wishes to permit a person under 18 to access this site, he or she should email the Company with his or her
explicit permission and acceptance of full legal responsibility. If you are not yet 18 or are accessing this
site from any country where this material is prohibited, please exit now as you do not have proper
Upon your agreement, Company hereby grants you a non-exclusive, non-transferable limited license to
use this site in strict accordance with the terms and conditions in this Agreement. You agree not to make
any false or fraudulent statements as you use this site. You acknowledge and agree that all content and
services available on this site are property of the Company and are protected by copyrights, trademarks,
service marks, patents, trade secrets, and other proprietary rights and laws, in the U.S. and internationally.
All rights not expressly granted herein are fully reserved by the Company, its advertisers and licensors.
You agree to pay for any and all purchases and services using your name and credit card through this Site,
not to challenge any such charges and to pay for all collections and/or attorney fees resulting from any
Except as may be explicitly permitted, you agree not to save, download, cut and paste, sell, license, rent,
lease, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt,
edit, or create derivative works from materials from this site. Systematic retrieval of data or other content
from this site to create or compile, directly or indirectly, a collection, database or directory without
written permission from the Company is prohibited. In addition, use of the content or materials for any
purpose not expressly permitted in this Agreement is prohibited.
You agree that if you are issued a Username and Password by the Company, you shall use your best
efforts to prevent access to this site through your Username and Password by anyone other than yourself,
including but not limited to, keeping such information strictly confidential, notifying the Company
immediately if you discover loss or access to such information by an unauthorized party and by using a
secure Username and Password not easily guessed by a third party.
You agree that you shall not try to reverse assemble, reverse compile, decompile, disassemble, translate or
otherwise alter any executable code, contents or materials on or received via this site. You understand that
such actions are likely to subject you to serious civil and criminal legal penalties and that the Company
shall pursue such penalties to the full extent of the law to protect its rights and the rights of its other
You agree that you shall comply with all applicable export and import control laws and regulations in
your use of this site, or materials or services received through this site, and, in particular, you shall not
export or re-export anything on or received through this site in violation or local or foreign export laws
and/or without all required U.S. and foreign government licenses.
Government Use
If you are a branch or agency of the U.S. Government, the following provision applies. This site, code,
contents, services and accompanying documentation are comprised of “commercial computer software”
and “commercial computer software documentation” as such terms are used in 48 C.F.R. 12.212 (SEPT
1995) and are provided to the Government (i) for acquisitions by or on behalf of civilian agencies,
consistent with the policy set forth in 48 C.F.R. 12.212; or (ii) for acquisitions by or on behalf of units of
the Department of Defense, consistent with the policies set forth in 48 C.F.R. 227.7202-1 (JUN 1995) and
227.7202-3 (JUN 1995. Unpublished rights reserved under the copyright laws of the United States.
Errors and Corrections
While we use reasonable efforts to include accurate and current information on our Site, we do not
warrant or represent that the Site will be error-free. Data entry errors or other technical problems may
sometimes result in inaccurate information being shown. We reserve the right to correct any inaccuracies
or typographical errors on our Site, including pricing and availability of products and services, and shall
have no liability for such errors. We may also make improvements and/or changes to the Site’s features,
functionality, or content at any time. If you see any information or description you believe to be incorrect,
please contact us and we’ll verify it for you.
Our Site contains links to other websites for your information and convenience, or to provide additional
shopping for various other goods and services through our Merchant and Services Partners. These thirdparty
websites are responsible for, and undertake to maintain, their own site terms of use. We suggest that
you carefully review the terms of use of each site you choose to access from our Site.
Except with regard to personal information, all information which you post on this site or communicate to
the Company through this site (collectively “Submissions”) shall forever be the property of the Company.
The Company shall not treat any submission as confidential and shall not incur any liability as a result of
any similarities that may appear in future Company services or products. Without copy, the Company
shall have exclusive ownership of all present and future existing rights to any Submission of every kind
and nature everywhere. You acknowledge that you are fully responsible for the message, including its
legality, reliability, appropriateness, originality and copyright. You hereby represent and warrant that your
Submission does not infringe the rights of any third party.
By using features of this site that allow you to post or otherwise transmit information to or through this
site, or which may be seen by other users, you agree that you shall not upload, post, or otherwise
distribute or facilitate distribution of any content – including text, communications, video, software,
images, sounds, data, or other information – that:
A. is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of
another’s privacy, tortuous, obscene, sexually explicit or graphic, or otherwise in violation of this site’s
rules or policies;
B. infringes any patent, trade mark, service mark, trade secret, copyright, moral right, right of publicity,
privacy or other proprietary right of any party;
C. constitutes unauthorized or unsolicited advertising, junk or bulk e-mail (also known as “spamming”),
chain letters, any other form of unauthorized solicitation, or any form of lottery or gambling;
D. contains software viruses or any other computer code, files, or programs that are designed or intended
to disrupt, damage, or limit the functioning of any software, hardware, or telecommunications equipment
or to damage or obtain unauthorized access to any data or other information of any third party; or
E. impersonates any person or entity, including any employee or representative of this site, its licensors or
You also agree that you shall not harvest or collect information about the users of this site or use such
information for the purpose of transmitting or facilitating transmission of unsolicited bulk electronic email
or communications for any other commercial purpose of your own or a third party.
You further agree that you shall not solicit or collect information, or attempt to induce any physical
contact with, anyone 18 years old or younger without appropriate parental consent.
This site generally does not pre-screen, monitor, or edit the content posted by users of this site. However,
this site and its agents have the right, at their sole discretion, to remove any content that, in this site’s sole
judgment, does not comply with the Site Submission Rules or is otherwise harmful, objectionable, or
inaccurate. This site is not liable for any failure, delay, damages or results, in removing such content.
You agree that your use of this site may be suspended or terminated immediately upon receipt of any
notice which alleges that you have used this site in violation of these Rules and/or for any purpose that
violates any local, state, federal or law of other nations, including but not limited to the posting of
information that may violate third party rights, that may defame a third party, that may be obscene or
pornographic, that may harass or assault other, that may violate hacking or other criminal regulations, etc.
of its agents, officers, directors, contractors or employees. In such event, you agree that the owner of this
site may disclose your identity and contact information, if requested by a government or law enforcement
body or as a result of a subpoena or other legal action, and the owner of this site shall not be liable for
damages or results thereof, and you agree not to bring any action or claim against the owner of this site
for such disclosure.
1. Copyright
The Site design, text, content, selection and arrangement of elements, organization, graphics, compilation,
magnetic translation, digital conversion, and other matters related to the Site are protected under
applicable copyright laws, ALL RIGHTS RESERVED. The posting of any such elements on the Site does
not constitute a waiver of any right in such elements. You do not acquire ownership rights to any such
elements viewed through the Site. Except as otherwise provided herein, none of these elements may be
used, copied, reproduced, downloaded, posted, displayed, transmitted, mechanical, photocopying,
recording, or otherwise, without Company’s prior written permission.
2. Trademark
MWR Life name, logo, and all product names, company names, and other logos, unless otherwise noted,
are trademarks and/or trade dress of MWR Life. The use or misuse of any Marks or any other materials
contained on the Site, without the prior written permission of their owner, is expressly prohibited.
You may be transferred to online merchants or other third party sites through links or frames from this
site. You are cautioned to read their Terms and Conditions and/or Privacy Policies before using such sites.
These sites may contain information or material that is illegal, unreasonable or that some people may find
inappropriate or offensive. These other sites are not under the control of the Company and are not
monitored or reviewed by the Company. The inclusion of such a link or frame does not imply
endorsement of this site by the Company, its advertisers or licensors, any association with its operators
and is provided solely for your convenience. You agree that the Company and its licensors have no
liability whatsoever from such third party sites and your usage of them.
MWR Life has no return policy outside of the initial 3-day period for cancelation.
The Company, its advertisers and licensors make no representation or warranties about this site, the
suitability of the information contained on or received through use of this site, or any service or products
received through this site. All information and use of this site are provided “as is” without warranty of any
kind. The Company, advertisers and/or its licensors hereby disclaim all warranties without regards to this
site, the information contained or received through use of this site, and any services or products received
through this site, including all express, statutory, and implied warranties of merchantability, fitness for a
particular purpose, title and non-infringement. The Company, advertisers and/or its licensors do not
warrant that the contents or any information received through this site are accurate, reliable or correct;
that this site will be available at any particular time or location; that any defects or errors will be
corrected; or that the contents of any information received through this site is free of viruses or other
harmful components. Your use of this site is solely at your risk. User agrees that it has relied on no
warranties, representations or statements other than in this agreement. Because some jurisdictions do not
permit the exclusion of certain warranties, these exclusions may not apply to you but shall apply to the
maximum extent permitted by law of your jurisdiction.
Under no circumstances shall the Company, advertisers and/or its licensors be liable for any direct,
indirect, punitive, incidental, special, or consequential damages that result from the use or inability to use,
this site. This limitation applies whether the alleged liability is based on contract, tort, negligence, strictly
liability, or any other basis, even if the company, advertisers and/or its licensors have been advised of the
possibility of such damage. Because some jurisdictions do not allow the exclusion or limitation of
incidental or consequential damages, the Company, advertisers and/or its respective licensors’ liability in
such jurisdictions shall be limited to the maximum extent permitted by law of your jurisdiction.
You agree to defend, indemnify, and hold harmless the Company, its advertisers, licensors, subsidiaries
and other affiliated companies, and their employees, contractors, officers, agents and directors from all
liabilities, claim, and expenses, including attorney’s fees, that arise from your use of this site, or any
services, information or products from this site, or any violation of this Agreement. The Company
reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise
subject to indemnification by you, in which event you shall cooperate with the Company in asserting any
available defenses
Company may suspend or terminate this Agreement or User’s use immediately upon receipt of any notice
which alleges that User has used this site for any purpose that violates any local, state, federal or law of
other nations, including but not limited to the posting of information that may violate third party rights,
that may defame a third party, that may be obscene or pornographic, that may harass or assault other, that
may violate hacking or other criminal regulations of its agent, officers, directors, contractors or
employees. In such event, Company may disclose the User’s identity and a subpoena or other legal action,
and Company shall not be liable for damages or results thereof and User agrees not to bring any action or
claim against Company for such disclosure.
This site (excluding third party linked sites) is controlled by the Company from its offices within the State
of Florida, U.S. of America. It can be accessed from all 50 states as well as from other countries around
the world to the extent permitted by site. As each of these places has laws that may differ from Florida, by
assessing this site, both you and the Company agree that the statutes and laws of Florida shall apply to
any actions or claims arising out of or on relation to this Agreement or your use of this site, without
regards to conflicts of laws principles thereof. You and the Company also agree and hereby submit to the
filing of any claim only in the exclusive personal jurisdiction and venue of Florida and any legal
proceedings shall be conducted in English. The Company makes no representation that materials on this
site are appropriate or available for use in other locations, and accessing them from territories where their
contents are illegal is prohibited.
This Agreement incorporates by reference the Site Submission Rules if this site allows posting and posts
such Rules. This Agreement constitutes the entire agreement between the parties related to the subject
matter thereof, supersedes any prior or contemporaneous (oral, written or electronic) agreement between
the parties and shall not be changed except by written agreement signed by an officer of the Company. If
any provision of this Agreement is prohibited by law are held to be unenforceable, the remaining
provisions hereof shall not be affected, and this Agreement as much as possible under applicable law shall
continue in full force and effect as if such unenforceable provision had never constituted a part hereof and
the unenforceable provision shall be automatically amended so as to best accomplish the objectives of
such unenforceable provision within the limits of applicable law.
This site reserves the right to revise these provisions at its discretion, so check back from time to time to
be sure you are complying with the current version.