Terms & Conditions

Welcome to the 20/20 Foresight website. This website (www.2020-4.com, hereinafter, the “Site”) is operated by 20/20 Foresight (collectively “20/20 Foresight,” “we” or “us”). Your use of the Site is governed by and subject to These Terms and Conditions of use (these “Terms”). By accessing and using the Site, you agree that you have read and understand these Terms, and that you accept and agree to be bound by these Terms.




“You” refers to an individual accessing the Site. To the extent applicable, “you” also includes the corporation or other legal entity (your “Company”), if any, on whose behalf you are accessing the Site. You represent and agree that all information that you provide to 20/20 Foresight in connection with your access to and use of the Site is and shall be true, accurate and complete to the best of your knowledge, ability, and belief. We reserve the right to terminate these Terms or to refuse, restrict or discontinue service or access to the Site (or any portions, components or features of the Site) to you or any other person or entity, for any reason or for no reason whatsoever, at any time, without notice or liability. Failure to comply with these Terms may result in the immediate termination of your access to and use of the Site.



Client Agreements


If you are a client of 20/20 Foresight, nothing in these Terms will supersede any conflicting terms in any agreement with respect to your relationship with 20/20 Foresight.



Proprietary Content


All materials contained on the Site are owned or licensed by 20/20 Foresight. No person is authorized to use, copy, or distribute any portion the Site including related graphics, design, compilation, information, data, and computer code. Trademarks and/or service marks (including logos and designs) found on the Site are trademarks/service marks that identify 20/20 Foresight and the goods and/or services provided by 20/20 Foresight. Such marks may not be used under any circumstances without the prior written authorization of 20/20 Foresight.



Privacy Policy


Information that you provide or that we collect about you and your Company through your access to and use of the Site, or through other communications that you or your Company may have with us, is subject to our Privacy Policy, the terms of which are hereby incorporated into these Terms by reference.



Prohibited Conduct


By using the Site, you agree not to:

  • Use the Site for any illegal purpose or in violation of any local, state, national, or international law.
  • Violate, or encourage others to violate, any right of a third party, including by infringing or misappropriating any third-party intellectual property right.
  • Post, upload, or distribute any content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, embarrassing, hateful, or otherwise inappropriate.
  • Interfere with security-related features of the Site, including (1) disabling or circumventing features that prevent or limit use or copying of any content; or (2) reverse engineering or otherwise attempting to discover the source code of any portion of the Site.
  • Interfere with the operation of the Site or any user’s enjoyment of the Site, including: (1) uploading or otherwise disseminating any virus, adware, spyware, worm, or other malicious code; (2) making any unsolicited offer or advertisement to another user of the Service; (3) attempting to collect personal information about another user or third party without consent; or (4) interfering with or disrupting any network, equipment, or server connected to or used to provide the Site, or violating any regulation, policy, or procedure of any such network, equipment, or server.
  • Perform any fraudulent activity including impersonating any person or entity, claiming a false affiliation, or falsifying your age or date of birth.



Links to Third-Party Website


20/20 Foresight may provide hyperlinks to third-party websites as a convenience to users of the Site. 20/20 Foresight does not control third-party websites and is not responsible for the contents of any linked-to, third-party websites or any hyperlink in a linked-to website. 20/20 Foresight does not endorse, recommend, or approve any third-party website hyperlinked from the website. 20/20 Foresight will have no liability to any entity for the content or use of the content available through such hyperlink.





20/20 Foresight does not make any promise, covenant, representation, warranty or guarantee that you or any other user of the Site will obtain any particular or tangible result or goal through the use of the Site or any other product or service in connection with use of the Site. The Site and the content, and all materials, products, and services available on or through the Site and 20/20 Foresight are provided “as is” and “as available,” without any warranties or guaranties, express or implied. 20/20 Foresight disclaims all warranties, including the implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. 20/20 Foresight does not represent, warrant or covenant that the Site and the materials, products and services available on or through the Site and through 20/20 Foresight are or will be accurate, current, complete, reliable, appropriate for any particular use to which you, or your company, may choose to put them, or that they are or will be available on an uninterrupted and error-free basis, that defects will be corrected, or that the Site and the materials, products and services available on or through the Site and through 20/20 Foresight are free of viruses or other harmful components.



Limitation of Liability


Under no circumstances shall 20/20 Foresight or the officers, directors, employees and agents of the foregoing be liable under any theory of recovery, at law or in equity, for any damages, including without limitation, special, direct, incidental, consequential or punitive damages (including, but not limited to loss of use or lost profits), arising out of or in any manner connected with the use of the Site, or the failure to provide information or services, from the Site.


Without limiting any of the foregoing, if 20/20 Foresight or the officers, directors, employees and agents of the foregoing, is found liable to you or any third party as a result of any claims or other matters arising under or in connection with these Terms, the Site or your use of the Site, 20/20 Foresight and such parties’ aggregate and maximum liability for all such claims and other matters in any calendar year shall not exceed $100.




You agree to indemnify, defend, and hold harmless the Site and its members, managers, officers, employees, agents, and the assigns of same, from and against any and all loss, costs, expenses (including reasonable attorneys’ fees and expenses), claims, damages and liabilities related to or associated with your use of the Site and any violation of these Terms of Use by you.



Governing Law


These Terms shall be governed by and construed under the laws of the State of Illinois, without regard to conflicts of law principles or rules thereof. Any legal action arising out of or related to these Terms and your access to and use of the Site must be commenced within one year after the cause of action arises. You and 20/20 Foresight each hereby expressly consent and irrevocably submit to the exclusive jurisdiction of the state and federal courts sitting in Cook County, Illinois for resolution of any matters related to interpretation, construction or enforcement, or otherwise in connection with these Terms, the 20/20 Foresight Privacy Policy referenced herein, or otherwise related to or in connection with your access to and use of the Site, the Content, and the materials, products and services available on or through the Site or 20/20 Foresight. You and 20/20 Foresight each expressly waive any claim that venue is improper for any reason in these courts.



Modification of Terms


We reserve the right, at our discretion, to change these Terms on a going-forward basis at any time. Please check these Terms periodically for changes. Disputes arising under these Terms will be resolved in accordance with the version of these Terms that was in effect at the time the dispute arose.