Terms of Service & Privacy Policy

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THIS IS AN ADVERTISEMENT. Express Marketing Solutions is not a law firm or referral service and does not provide legal advice. This is a free matching service only. Information you submit will be shared with third-party attorney(s). We do not evaluate your legal situation when determining which attorney will receive your information. No representation is made about the quality of legal services or the qualifications of advertising attorneys. We do not recommend or endorse any attorneys that pay to participate in this advertisement. An attorney-client relationship is not formed when you submit the form and you are under no obligation to retain a lawyer who contacts you through this service. The hiring of a lawyer is a critical decision and should not be predicated solely on comments, advertisements or other content found on any website.

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Terms of Use

YOUR USE OF THIS WEBSITE AND YOUR TRANSACTIONS CONDUCTED WITH THE COMPANY IN CONNECTION WITH THIS WEBSITE ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS, ALSO REFERRED TO AS “TERMS OF USE”. CLICKING ONTO WEB PAGES BEYOND THE WEBSITE’S HOMEPAGE CONSTITUTES YOUR ACCEPTANCE OF AND AGREEMENT WITH THE TERMS OF USE WHETHER OR NOT YOU COMPLETE A TRANSACTION WITH THE COMPANY AND WHETHER OR NOT YOU COMPLETE YOUR TRANSACTION ON THE WEBSITE OR THROUGH OTHER CHANNELS, SUCH AS BY PHONE, BY E-MAIL, FACSIMILE OR OTHERWISE. IF YOU DO NOT AGREE TO THE TERMS OF USE, YOU MAY NOT USE THIS WEBSITE.

WEBSITE OWNERSHIP

This website is owned and operated by Express Marketing Solutions Inc., 12121 Wilshire Blvd, Ste 101, Los Angeles, CA 90025, which is referred to below as “Express Marketing Solutions Inc ” or “we” or “us” or “Company” or “our.”

PERMITTED USE

You agree that:

your use of this website is subject to and governed by these Terms of Use,
you will only access or use this website and transact business with us if you are at least 18 years old,
you will comply with and be bound by these Terms of Use as they appear on this website each time you access and use this website,
each use of this website by you indicates and confirms your assent to and agreement to be bound by these Terms of Use, and
these Terms of Use are a legally binding agreement between you and Express Marketing Solutions that will be enforceable against you.

You agree that you will not use or attempt to use this website for any purpose other than conducting mortgage banking related business with Express Marketing Solutions as a bona fide client of Express Marketing Solutions; you may not use or attempt to use this website or any part of this site for any purpose:

that interferes with or induces a breach of the contractual relationships between Express Marketing Solutions and its employees,
that is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property,
that transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited e-mail, unsolicited commercial communications,
that transmits any harmful or disabling computer codes or viruses,
that harvests e-mail addresses from this site,
that transmits unsolicited e-mail to this site or to anyone whose e-mail address included the domain name under on this website,
that interferes with our network services;
that attempts to gain unauthorized access to our network services,
that suggests an express or implied affiliation with Express Marketing Solutions or broker relationship with Express Marketing Solutions(without the express written permission of Express Marketing Solutions),
that impairs or limits our ability to operate this website or any other person’s ability to access and use this website, and/or
that uses any methods, means or devices to click on to this website or cause a visit to this website for the purpose of manipulating the results of any Internet search engine, or for any other purpose other than conducting mortgage banking related business with Express Marketing Solutions as a bona fide client of Express Marketing Solutions.

ACCESS TO THIS WEBSITE

Express Marketing Solutions reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and use of this website.

USE OF THIS WEBSITE

You agree and acknowledge that you have the sole responsibility and liability for your use of this website and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this website.

INTELLECTUAL PROPERTY RIGHTS

The following marks appearing on this website, including, but not limited to: Ideal and the respective logos, emblems, slogans and designs are service marks of Express Marketing Solutions.

All other marks used on this website are the property of their respective owners.

Web Page Content: You acknowledge and agree that:

all content, Web pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, “look and feel”, and the operation of this website (collectively “Web Page Content”) are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks; and
all rights associated with the Web Page Content are owned by Express Marketing Solutions, its licensors, or content providers.

Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any Web Page Content. You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any Web page, or alter the appearance of any Web Page Content.

You may not use Web Page Content, domain names (in whole or in part), or e-mail addresses related to or derived from this website, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this website, for any purpose; meaning that you may not, among other prohibited uses, use any Web Page Content, domain names, e-mail addresses, data, trademarks, service marks, trade names, brand names and/or logos on or derived from this website:

in or as any meta-tag or hidden text;
in or as part of any contextual marketing directory, index, or triggering term;
as content or advertising related to any other website including, but not limited to, comparative/informational websites; and/or
as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time as the Company’s website or controls the content of any other Internet browser window.

Submissions: You acknowledge and agree that all submissions to Company containing any comments, improvements, suggestions, and ideas regarding this website will become and remain our exclusive property, including any future rights associated with such submissions, even if the provisions of these Terms of Use are later modified or terminated. This means that you forever disclaim any proprietary rights in such submissions, and you acknowledge Company’s unrestricted right to use, publish, and commercially exploit, identical, similar, or derivative ideas originating from your submission, in any medium, now and in the future, without notice, compensation or other obligation to you or any other person.

Testimonials: You acknowledge and agree that all testimonials submitted to Company will become and remain our exclusive property, even if the provisions of these Terms of Use are later modified or terminated. This means that you irrevocably grant to Company the unrestricted right (now and in the future, without notice, compensation or other obligation to you or any other person) to use your statement, image, likeness, as they may be used, in any medium, in connection with an advertisement or for any other publicity purpose. You further agree that Company may use any percentage of your testimonial, image, likeness and/or works, in any way that it sees fit, and may exclude your name or use a fictions name herewith.

LINKING

Not Responsible For Links to Other websites: For your convenience, this website may provide links to other websites on the World Wide Web. Unless expressly stated otherwise on this website, Express Marketing Solutions does not endorse, approve, sponsor or control, and we are not in any way responsible for, any of the content, services, calculations, information, products or materials available at or through any websites to which this website may provide a link. By using this website you acknowledge and agree that Express Marketing Solutions will not be responsible or liable to you or any other person for any damages or claims that might result from your use of such content, services, calculation, information, products or materials.

No Advertising / No Links. Express Marketing Solutions does not permit third-party advertising on this website. Except with the written permission of Express Marketing Solutions, you agree that you will not create links from any website or Web page to this website or any Web page within this website.

REVISIONS AND MODIFICATIONS

You agree and acknowledge that we may revise or change these Terms of Use at any time, without notice to you, and you agree that you will be bound by the provisions of these Terms of Use as they appear on this website at the time you access this website. Because these Terms of Use may change, we encourage you to refer back often to these Terms of Use. In addition, you agree and acknowledge that all other content, services, products and materials on or available through this website are subject to updating and revision without notice to you. You further acknowledge and agree that individual modifications to the Terms of Use may not be altered by contract, unless expressly permitted in writing by the President of Express Marketing Solutions.

LOCATION

You understand and acknowledge that Express Marketing Solutions controls and operates this website from within the United States of America. This website provides information regarding services and products that are made available in the United States only. We make no representation that the services or products about which information may be provided on this website will be available (a) anywhere outside of the United States or (b) in every state within the United States. You acknowledge and agree that you are responsible for compliance with all federal, state and local laws applicable to your access to and use of this website.

USER IDS AND PASSWORDS

Certain areas or features of this website may be restricted to users who have obtained a user identification and password by completing a registration process described on this website. Please be sure to protect and maintain the confidentiality of any user identification, password or other identifying information you may obtain in connection with your use of this website. You agree to notify Express Marketing Solutions immediately if you believe your user identification, password or other identifying information has been lost, stolen or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this website by any person to whom you have provided your user identification, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of this website that may occur after you have notified us that your user identification, password or other identifying information has been lost, stolen or otherwise compromised.

PRIVACY AND SECURITY

For information on how Express Marketing Solutions uses and protects the personal information that you may provide through this website, please visit our Privacy and Security Policy page.

INDEMNIFICATION

If you make any unauthorized use of this website or violate the Terms of Use: (a) you may be in violation of copyright and other laws of the United States, as well as applicable state laws, and may be subject to penalties, and (b) you may be responsible for damages caused to the Company. You agree to indemnify Express Marketing Solutions and its affiliates, vendors and licensors, and all of the employees, officers, directors, agents and representatives of Express Marketing Solutions and its affiliates, vendors and licensors, against, and to hold all of them harmless from, all costs, claims, damages, expenses or other losses, including attorney’s fees and court costs, that arise from or are related to your use of this website and/or your breach/violation of or failure to comply with the Terms of Use.

DISCLAIMERS

THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, Express Marketing Solutions DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. Express Marketing Solutions MAKES NO REPRESENTATION OR WARRANTY REGARDING THE WEB PAGE CONTENT OR ITS USE THEREOF. THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS AND COULD BECOME INACCURATE BECAUSE OF DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES OF PREPARATION OR PUBLICATION. Express Marketing Solutions HAS NO OBLIGATION TO MAINTAIN THE CURRENCY OR ACCURACY OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE.

YOU ACKNOWLEDGE AND AGREE THAT Express Marketing Solutions IS NOT, AND SHALL NOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEBSITE OR ITS OPERATION. AS TO THE OPERATION OF THIS WEBSITE, Express Marketing Solutions EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Express Marketing Solutions MAKES NO REPRESENTATION OR WARRANTY THAT (A) THE OPERATION OF THIS WEBSITE WILL MEET YOUR OR ANY OTHER USER’S REQUIREMENTS; (B) ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS; OR (C) ANY DEFECTS IN THIS WEBSITE WILL BE CORRECTED. YOU AGREE THAT YOU, AND NOT Express Marketing Solutions, WILL BEAR THE ENTIRE COST OF ALL SERVICING, REPAIR, CORRECTION OR RESTORATION THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE PROGRAMS OR COMPUTER EQUIPMENT BECAUSE OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF USING OR VISITING THIS WEBSITE.

LIMITATION OF LIABILITY

YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL Express Marketing Solutions BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DAMAGES OR INJURY, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OR ANY DAMAGES OR INJURY CAUSED BY ERROR, INACCURACY, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, TELECOMMUNICATIONS FAILURE OR COMPUTER VIRUS OR OTHER PROBLEM, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS WEBSITE OR THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE, WHETHER IN AN ACTION ALLEGING BREACH OF CONTRACT, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE. YOU AGREE THAT Express Marketing Solutions SHALL NOT BE LIABLE EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

APPLICABLE LAW MAY 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 OR EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL Express Marketing Solutions’S TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, IN ACCESSING OR USING THIS WEBSITE OF WEB PAGE CONTENT THEREON.

COMMUNICATIONS WITH COMPANY

Time Sensitive Instructions: When communicating with us through this website, PC-talk, chat or via e-mail, do not use the website, PC-talk, chat or e-mail to communicate any time-sensitive instructions that are in any way related to or affect your loan, loan application or closing (such as interest rates locks, cancellation of a closing, rescissions, or the like). Such instructions may not be honored. All transactions conducted on this website, PC-talk, chat or via e-mail, must be confirmed in writing by us to be accepted by and binding upon us.

Loan Approvals: All loan approvals, pre-qualifications, pre-approvals, rate locks, deposit and refund agreements, and the like, are only made by Express Marketing Solutions in writing. Approvals, pre-qualifications and pre-approvals are conditional in accordance with there terms except as be specifically provided for in writing signed by Express Marketing Solutions.

E-Signature: General communications through this website, PC-talk, chat or via e-mail are not intended by us to constitute either an electronic record or an electronic signature, or to constitute any agreement by the sender to conduct a transaction by electronic means, unless a specific statement to the contrary is included in the message and specific e-signature procedures are employed. However, your assent to a “click to accept” button or box is binding upon you.

Recording & Monitoring of Communications: Your communications with us via the website, PC-talk, chat e-mail, and telephone may be recorded or monitored and by using such communications methods you are consenting to the recording or monitoring of the same.

CONTACT METHODS AND OPT-OUT

Permission to Be Contacted: By submitting information to Express Marketing Solutions through this website or otherwise you are making an inquiry as to lending programs and services offered by Express Marketing Solutions and give Express Marketing Solutions permission to contact through e-mail, fax, or telephone, or any means, even if your phone number is on a “Do Not Call” list. Permission to Share Your Information: When you “submit” information through the Express Marketing Solutions’ website or otherwise, Express Marketing Solutions may send your information to its affiliates. If you do not want your information shared with Express Marketing Solutions affiliates, you modify your preference by emailing us at info@thelegalleads.com .

APPLICATION OF ADDITIONAL TERMS

You acknowledge that certain features of this website, as well other products and services of Express Marketing Solutions, including those that may be available through this website, may be subject to terms, conditions and disclaimers in addition to these Terms of Use, and you agree that your use of such products and services will be subject to such additional terms, conditions and disclaimers.

AGREEMENT TO PROVIDE ACCURATE INFORMATION

In making a loan inquiry, application or in entering into any other transaction or request for information on this website, you agree to provide accurate, true, current, and complete information upon which Express Marketing Solutions may rely.

YOUR COOPERATION NEEDED

Express Marketing Solutions generally begins processing your application (which may include ordering an appraisal, credit report, title commitment and other necessary items) upon the submission of a full and complete application. If you submit an application, you agree to cooperate in the application process (including submitting all required documentation in a timely manner) and if needed, to obtain information Express Marketing Solutions may need from third parties such as your bank, employer, current mortgage company, etc. In addition, you agree to notify Express Marketing Solutions of any changes in any information submitted in connection with your application.

REASONABLE EFFORTS

While Express Marketing Solutions will use all of its reasonable efforts to have your application fully processed and closed on or before any applicable rate lock expiration date (if any) and/or anticipated closing date, some process are not under our control. For instance, Express Marketing Solutions cannot be responsible for delays in loan approval or closing due to: the untimely receipt of an acceptable appraisal; the untimely receipt of required documentation; your existing home not selling; matters disclosed by a title commitment or survey; any other matters beyond Express Marketing Solutions’s reasonable control.

DEPOSIT / REFUND POLICY

When you submit a loan application, Express Marketing Solutions will begin to process your application and, as a result, will advance on your behalf costs for certain third party expenses. If you do not fully cooperate in or complete the application process (including submitting all required documentation in a timely manner), choose to withdraw your application, or choose not to close the transaction for any reason, you may be required to pay for some or all of Express Marketing Solutions third party costs. Please review your deposit agreement for details specific to your loan application.

GOVERNING LAW

You agree that these Terms of Use shall be governed by and construed in accordance with the laws of the State of Michigan, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these Terms of Use or the use of this website shall be filed only in the state or federal courts located in Wayne County, Michigan, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.

SEVERABILITY

You agree that if any provision of these Terms of Use shall be found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms of Use and shall not affect the validity and enforceability of such other provisions.

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Express Marketing Solutions, Inc Privacy Policy

Express Marketing Solutions, Inc holds the privacy of their customers to the highest standards. To learn how we handle your information, please read the following. Do not hesitate to contact us directly if you have any further questions or concerns at 310-922-8772.

Information Collected

Express Marketing Solutions, Inc collects all information inputted by the site visitor, such as site registrations, survey information, name, address, phone numbers, and property data. We store all data collected in a secure database which can only be accessed by Express Marketing Solutions, Inc and its employees

Information Accuracy

Accuracy of your information is key and we work diligently to ensure it is as correct and complete as possible. If you find that there is inaccurate information in our records that needs to be updated please contact us immediately at info@thelegalleads.com. If the record is something in our control we will make the necessary changes as soon as possible.

Collected Information and Usage

The information that we collect from you is important. Express Marketing Solutions, Inc may share your information in compliance with applicable privacy laws. This website utilizes 3rd Party Cookies to enhance your browsing experience.

Cookies: A “cookie” is a small piece of information that our website may provide to your browser while you are at our sites. The Express Marketing Solutions, Inc website supplies your browser with cookies that contain a unique identifier used to better understand website usage in the aggregate and on an individual level so we know what areas of our site users prefer (e.g., based on the number of visits to those areas). This is done through a tracking utility that allows us, for example, to reconstruct activity from a session or by a user, for troubleshooting and issue resolution purposes. Express Marketing Solutions, Inc may also employ service providers to help us collect and understand our website usage data. When periodic surveys are presented to website visitors, cookies are used to prevent issuing multiple invitations to the same individual. If you are a registered member on the Express Marketing Solutions, Inc website, you will receive a cookie when you login. This cookie is maintained by your browser and contains your identifier. This cookie is also used to authenticate your identity and provide you with access to areas of our website that are limited to registered members, such as those that allow you to view and manage your personal profile. Additionally, Express Marketing Solutions, Inc service providers that serve ads on affiliate and/or advertiser websites may assign different cookies and small graphical images called single-pixel GIFs or web beacons, to your browser to track the effectiveness of Express Marketing Solutions, Inc advertising on other websites and your involvement with Express Marketing Solutions, Inc. For example, as part of the Express Marketing Solutions, Inc affiliate programs, our service providers use cookies and web beacons to determine when affiliate program members have referred a customer to Express Marketing Solutions, Inc via a link on their website. The Express Marketing Solutions, Inc website also sets a temporary cookie that contains a unique, anonymous identifier that is provided to the service provider to ensure that each referral is only counted once. This cookie is not linked to a customer’s personal information. The cookies and web beacons are necessary to ensure that affiliate program members are appropriately credited for their referrals. Service providers report data in the aggregate and do not link it to individual customer information. Express Marketing Solutions, Inc may also employ service providers who may assign cookies or web beacons to your browser to assist us in collecting website usage data such as your IP address, session ID, URL and demographic information such as your zip code. The collection of data may include personally identifiable information. We do not track URLs that you type into your browser, nor do we track you across the Internet once you leave our site. If you simply want to browse, you do not have to accept cookies from our site. Should you decide, however, that you would like to register and sign in to special areas of the website and you have modified your browser settings not to accept cookies, you will need to re-set your browser to accept the cookies that we send. Otherwise, you won’t be able to participate in certain areas of the website. Most browsers are defaulted to accept and maintain cookies. Since most browsers are defaulted to accept and maintain cookies, you will most likely have to set your browser to reject new cookies or to disable them altogether, in order to avoid receiving future cookies from the Express Marketing Solutions, Inc website. Please note that if you choose to reject or disable cookies, your access to certain areas within the Express Marketing Solutions, Inc website may be limited.
Behavioral Advertising: Please be aware that we use third party advertising companies to collect non-personally identifiable information for online behavioral advertising to provide targeted display advertisements, likely to be of greater interest to you, through participating publishers and advertisers. Such information may include non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) through the use of Cookies and other technology.
Website Usage Data: Our website tracks usage data, including, for example, your IP address, your browser type and version, which pages you view, which page, if any, linked you to our site, and which link, if any, you follow off of our site. We use this data in the aggregate and on an individual level to better understand website activity to improve our site offerings, to reconstruct activity from a session or by a user, for troubleshooting and issue resolution purposes. We may also use this data to provide you a more personalized website experience, assistance with technical support questions, and to send you special offers, product and service updates, or other promotional materials that are relevant and tailored to your interests. If you do not want to receive these offers or promotions, simply indicate your contact preferences during the registration process, within any future communications or by sending an e-mail to info@thelegalleads.com. We do not share your information with outside companies for their promotional use. We do not track URLs that you type into your browser, nor do we track you across the Internet once you leave our site.

Our Privacy Commitment to You

When you visit our site, please know that you are accepting the Privacy Policy described herein. Your privacy is important to us and we are proud of our dedication and commitment to protecting it.

Changes in Privacy Policy

Any changes to our Privacy Policy will be communicated through the site with at least 10 days in advance of implementation. Information collected before changes are made will be secured according to the previous Privacy Policy.

Questions

If you have any questions about the Express Marketing Solutions, Inc web site or privacy policy, please email us at info@thelegalleads.com or by writing to us at:

Express Marketing Solutions, Inc

Attn: Client Relations

12121 Wilshire Blvd Suite 101,

Los Angeles, CA 90025

Effective Date

This policy is effective 12/10/2017.