Terms & Conditions For Live And Invest Overseas

These Terms & Conditions govern your use of all publications, digital services, and websites operated by Live And Invest Overseas, including but not limited to LiveAndInvestOverseas.com, OffshoreLivingLetter.com, OverseasPropertyAlert.com, Overseas Living Letter, Europe Uncovered, Panama Letter, Simon Letter, Global Property Advisor, Overseas Living Elite, and any other or related or successor products (“Services”).

Live And Invest Overseas and its affiliated websites are owned and operated by Live And Invest Overseas, Inc., a company organized under the laws of Nevis. References to “LIOS,” “we,” “our,” or “us” refer to Live And Invest Overseas, Inc.

By accessing our websites, subscribing to any publication, or purchasing any digital or physical product, you agree to these Terms & Conditions. If you do not agree, you must discontinue use of our Services.

All information published on our websites or in our communications is general in nature and does not take your personal circumstances into account. You should always seek independent financial, tax, legal, or investment advice before acting on any recommendations.

DISCLAIMER OF WARRANTIES

Our websites, publications, and products are provided “as is” and “as available.”

Live And Invest Overseas makes no warranties of any kind—express or implied—beyond the descriptions provided at the point of sale. We do not guarantee that our services will be uninterrupted, accurate, error-free, or suitable for your particular purpose. 

ACCESS TO CONTENT

Paid content is reserved exclusively for active subscribers. Login credentials, passwords, and subscriber-only materials may not be shared, forwarded, reproduced, or distributed to any third party.

Free newsletters are available publicly via their respective sites or through email subscription. 

COPYRIGHT & USE OF MATERIALS

All text, images, reports, videos, and other content on our websites are the property of Live and Invest Overseas or licensed contributors. Free newsletter material may be quoted or shared only with proper attribution and a clear link back to the original publication. Content included in paid newsletters, special reports, books, or premium services may not be reproduced or redistributed without our written consent.

ADVERTISING IN FREE PUBLICATIONS

Our free newsletters may be supported by advertising and promotional messages. By subscribing, you agree to receive marketing emails from us or from partner companies.

If you prefer not to receive promotional messages, you may unsubscribe at any time using the link at the bottom of any email.

SECURITY & AVAILABILITY OF OUR SERVICES

When you place an order, payment details are processed through secure, industry-standard encrypted channels. While we take commercially reasonable precautions, we cannot guarantee absolute security for online transactions.

Because our Services rely on third-party telecommunications and hosting systems, we do not guarantee uninterrupted access, error-free delivery, or virus-free operation.

We make every effort to ensure accuracy in our research and reporting; however, we do not warrant that all content is complete, current, or free from error.

LIMITATION OF LIABILITY

To the fullest extent permitted by law, Live and Invest Overseas is not liable for losses or damages of any kind, including indirect, incidental, punitive, or consequential damages arising from:

• Use or inability to use our websites
• Reliance on any information provided by us
• Errors or delays in publication or delivery
• Investment decisions made based on our content
• Unauthorized access to your data

Where liability cannot legally be excluded, it is limited to either (a) re-supplying the service or (b) refunding the unused portion of your subscription, at our discretion.

We are not responsible for and do not guarantee the performance of any investment, property, residency program, or financial product discussed in our publications.

LIOS may provide content from third parties that we believe have useful and reliable information for you. While we believe these parties provide worthwhile and interesting information, we cannot guarantee the accuracy and reliability of the information provided, nor are we responsible for any errors or omissions by said parties.

ORDERING, PRICING, TRIALS & CANCELLATIONS

Orders are processed within 3–5 business days. If a product is temporarily unavailable, you will be notified, and shipment will occur when stock is replenished.

Charges will appear on your billing statement under a Live And Invest Overseas merchant identifier.

Subscriptions renew automatically unless canceled in advance. Each subscription period must be paid in full before service begins.

Cancellation requests may be submitted via customer service or by phone at 1-888-627-8834 or +1 (443) 599-1221. Refunds, where applicable, follow the policy stated on your order form and confirmation email.

Trial periods are available to first-time subscribers only. Customers re-subscribing are not eligible for additional trial periods. Abuse of trial offers may result in refusal of service.

Customers participating in a free or limited trial must provide valid payment information for continuation after the trial expires. If you do not wish to continue, you must cancel before the trial ends.

Prices may change at any time. Existing subscribers will be notified before new pricing takes effect for their next billing cycle.

All prices are in U.S. dollars unless otherwise stated.

UNLAWFUL ACTIVITY

We reserve the right to investigate complaints or suspected violations of these Terms & Conditions and may report unlawful activity to the appropriate authorities. 

BREACH & TERMINATION OF ACCESS

If you violate these Terms & Conditions, we may suspend or terminate your access to any or all Services without notice. If we terminate your subscription for reasons unrelated to misconduct, you will receive a pro-rated refund. 

DISPUTE RESOLUTION & ARBITRATION

Any dispute related to your use of our websites or products will be resolved through binding arbitration in accordance with the laws of Nevis.

CALIFORNIA CONSUMER NOTICE

California residents may direct complaints to the Consumer Assistance Unit of the Division of Consumer Services, California Department of Consumer Affairs at:

1625 North Market Blvd., Suite N-112
Sacramento, CA 95834
(800) 952-5210 or (916) 445-1254

GENERAL PROVISIONS

If any part of these Terms is found unenforceable, the remainder continues in full effect. Failure to enforce any provision does not constitute a waiver.

We are not responsible for delays caused by events outside our reasonable control.

CHANGES TO THESE TERMS

We may revise these Terms & Conditions at any time. Updated terms will be posted on our websites, and continued use of our Services constitutes acceptance of those changes.

If you have questions regarding these Terms & Conditions, please contact us through our customer service page at https://www.liveandinvestoverseas.com/contact-us/