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Terms of Use

Effective Date: March 3, 2026

These Terms of Use (“Terms”) govern access to and use of the East5 LLC portal (the “Portal”). By accessing or using the Portal, you agree to these Terms.

Authorized Access

Access to the Portal is restricted to approved users pursuant to executed agreements with East5 LLC. You may not share credentials or permit unauthorized access. East5 LLC reserves the right to suspend or terminate access at any time.

Evaluation Purposes Only

The Portal provides information regarding potential life settlement acquisition opportunities introduced by East5 LLC solely for evaluation purposes.

Nothing displayed on the Portal constitutes:

  • An offer to sell
  • A solicitation to buy
  • A commitment to transact
  • A reservation of any policy

All opportunities are subject to seller approval, withdrawal, modification, or prior sale.

Indicative Pricing

Any pricing shown is indicative and non-binding. Pricing reflects preliminary communications between broker and seller and may change at any time. Submission of interest does not create any obligation or exclusivity.

Independent Due Diligence

You are solely responsible for conducting independent underwriting, financial analysis, legal review, tax review, and verification prior to approving any transaction.

Third-Party Information

Underwriting materials, mortality assessments (including eNoah reports), medical summaries, life expectancy metrics, premium projections, and pricing data are derived from third-party sources.

East5 LLC makes no representation or warranty, express or implied, as to the accuracy, completeness, or reliability of any third-party information.

Role of East5 LLC

East5 LLC acts solely as a facilitator in identifying and coordinating potential acquisition opportunities.

East5 LLC:

  • Is not a broker-dealer
  • Is not an investment adviser
  • Is not a fiduciary
  • Does not take title to policies
  • Does not hold or control purchase funds
  • Does not provide legal, tax, underwriting, or valuation advice

Transactions proceed directly between Buyer, broker, escrow agent, and related parties.

Confidentiality

All Portal content is confidential and subject to executed confidentiality agreements.

You may not copy, distribute, forward, or disclose Portal content except to authorized representatives with a need to know and who are bound by equivalent confidentiality obligations.

Security and Credentials

You are responsible for safeguarding login credentials. You must promptly notify East5 LLC of any suspected unauthorized access.

East5 LLC may log access activity for security and audit purposes.

Limitation of Liability

To the fullest extent permitted by law, East5 LLC shall not be liable for:

  • Any indirect, incidental, consequential, or special damages
  • Lost profits
  • Lost opportunity
  • Reliance on third-party data
  • Seller withdrawal
  • Transaction failure

Total liability shall not exceed $10,000.

Indemnification

You agree to indemnify and hold harmless East5 LLC from any claims arising from:

  • Misuse of the Portal
  • Unauthorized disclosure of information
  • Violation of law
  • Breach of these Terms

Governing Law

These Terms are governed by the laws of the State of Florida.

Order of Precedence

If a separately executed written agreement exists between you and East5 LLC (including a Master Life Agreement), that agreement shall control in the event of conflict.

Modifications

East5 LLC may update these Terms at any time. Continued use constitutes acceptance.

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