Ownership of this website and use of website materials
Use of this website does not give you any right, title, or other interest in any intellectual or other property rights or interests in this website or the content you access. You must not use any branding or logos used in this website unless USAble Life has given you express written permission. You may not remove, obscure, or alter any legal notices displayed in or along with this website. Absent explicit written permission, you must not reproduce, modify, rent, lease, sell, trade, distribute, transmit, broadcast, publicly perform, create derivative works based on, or exploit for any commercial purposes, any portion or use of, or access to, this website or any content thereof.
You agree not to copy, download, disclose, distribute, transfer, publish, or e-mail any USAble Life Data without the prior, written consent of USAble Life, or as further expressly authorized in this “Ownership” section.
You are authorized to download one copy of any USAble Life Data on this website for your own personal use, provided you (a) do not use the USAble Life Data for any commercial purpose and (b) do not remove, mask or obscure any copyright, trademark, service mark, patent or other intellectual property rights notices or symbols set forth in the USAble Life Data.
USAble Life, in its sole discretion, may change, discontinue or terminate any or all aspects of this website without notice, including access to support services, content and other products or services ancillary to the website, subject to providing an appropriate refund for any portions of a specified but no longer available term.
Limitation and release of USAble Life from liability
As a condition of your use of this website, and of your access to any USAble Life Data herein, you agree that neither USAble Life nor any affiliated company nor any director, officer, employee or agent of USAble Life or its affiliated companies (“USAble Life Parties”) shall be liable to you for any harm, injury or loss you may suffer which allegedly is caused by or related to your access to this website or the content, style, accuracy, inaccuracy, currency or staleness of any USAble Life Data or other information contained or reflected within this website.
By using this website, you agree to waive and release the USAble Life Parties from all liability whatsoever which may be caused by, arise from, or in any way relate to your use of this website, including but not limited to any direct, indirect, incidental, special, consequential, exemplary or punitive damages, physical or mental injury or loss, economic loss, loss of profits, injury to reputation or credit standing, emotional distress, psychological injury or loss or other damage or injury of any kind (“Losses”), regardless of whether such Losses allegedly arise from negligence, breach of contract, breach of warranty, breach of fiduciary duty, strict liability or tort.
You agree that if you are not satisfied with the content or operation of this website or with the content, use or effect of any USAble Life Data, or if you believe that your access to this website or any USAble Life Data has in any way caused injury to you, your sole and exclusive remedy shall be to exit the website and refrain from any further access or use.
Important disclaimers – What we are NOT responsible for
As a condition of your use of this website, and of your access to any USAble Life Data herein, you agree that USAble Life and the USAble Life Parties are NOT RESPONSIBLE FOR:
Errors, omissions or inaccuracies in the website or in any USAble Life Data.
We will try to avoid errors, but you should not expect information in this website to always be current, accurate or error-free because human or machine error may occur, and information may become outdated before we can update this website; in addition, there is always a possibility of “hackers” or other unauthorized postings to this website, which we may not be able to prevent, detect or deter. USAble Life cannot and does not guarantee or represent the accuracy, timeliness, reliability or completeness of any USAble Life Data or other information contained in or accessed through this website.
• Warranties or representations of any kind. USAble Life does not make any warranties or representations of any kind to you or to any other visitor to or user of this website. All USAble Life Data or other information you may access or receive through this website is provided “AS IS” without warranties of any kind, express or implied. This disclaimer of warranties and representations includes but is not limited to any implied warranties of merchantability or fitness for a particular purpose, or of non-infringement of any ownership or intellectual property rights of any third party.
• Viruses, contamination or other technical or system problems, damages or errors. USAble Life will not be responsible for any virus or contamination you or your computer programs or equipment may experience during or as a result of your access to this website or your access to, downloading or use of any USAble Life Data, nor will USAble Life be responsible for any problems, damages or errors associated with your access to this website, or your access to, downloading or use of any USAble Life Data. In using or accessing this website, you assume 100 percent of all risks associated with such access or use, including but not limited to any risk of viruses or contamination, any software, hardware or other problems or losses, or any damages or errors related to such access or use.
• Providing links to other sites, the content of other sites, or the conduct of the owners of other sites. You may see opportunities within this website to link to other websites, an option we may provide from time to time purely as a convenient service to website visitors. If you choose to access other websites from this website, you agree, as a condition of choosing any such link or access, that USAble Life is not and shall not be responsible or liable to you or to others in any way for your decision to link to such other websites. You further agree that USAble Life and the USAble Life Parties are not responsible for the content of any other website to which you may link, nor are USAble Life or the USAble Life Parties liable or responsible under any circumstances for the activities, omissions or conduct of any owner or operator of any other website. Once you choose to link to another website, you understand and agree that you have exited this website and are no longer accessing or using any USAble Life Data. You understand and agree that by making any third-party website link available as an option to you, USAble Life does not in any way endorse any such website, nor state or imply that you should access such website or obtain or use any services, products or information which may be offered to you through such other websites or by the owner or operator of such other websites. The owners or operators of any other websites (not USAble Life) are solely responsible for the content and operation of all such websites. USAble Life makes no warranties or representations of any kind, express or implied, nor of merchantability or fitness for a particular purpose, nor of non-infringement, with regard to the content or operation of any other website to which you may link from this website.
• You acknowledge and agree that this website may be inaccessible or inoperable for periods of time, and from time to time for reasons that include: equipment failures; maintenance (periodic or emergency); other causes outside USAble Life’s control. You agree that USAble Life is not and shall not be responsible or loss resulting from any loss of service or access resulting, in whole or in part, from any cause outside USAble Life’s control.
• You are responsible for all activity that happens on or through your account. To protect the security of your account, your password should be kept confidential. Your account password should not be used with any other services. You acknowledge and agree that your account may be inaccessible to you and that all data associated with the account may not be retrievable in the event of the loss of your password.
• Acts or omissions of any other person, company or entity. You agree that USAble Life is not and shall not be responsible or liable to you or to others for any conduct, misconduct, mistakes, errors or omissions of any other person or company which may in some way affect your access to or use of this website or of USAble Life Data, or the operation or content of this website, including but not limited to the acts or omissions of unknown third parties, unauthorized users or “hackers,” internet service providers, competitor companies, utility companies, governments, courts, law enforcement authorities, or local, state or federal regulatory agencies. You agree not to share your password or authorize access to this website and/or your account on this website. You agree that you are liable for any viruses, contamination or other technical or system problems, damages or errors suffered by you, USAble Life, or any other user of this website resulting, in whole or in part, from any person accessing this website using your credentials.
Improper use prohibited
By accessing or using this website, you agree to use it and the USAble Life Data made available herein solely for your own personal use in the manner in which it is intended and for the legitimate business and informational purposes for which the website is operated by USAble Life. You further agree that you shall not use or attempt to use this website or any USAble Life Data or other information obtained herein for any unlawful or harmful purpose, including but not limited to any sabotage, industrial or economic espionage, defamation of any person or company or the humiliation, harassment, intimidation or threatening of any other person or entity. You agree that you will not employ at any time nor attempt to enter into the website any improper data, comments, statements or materials of any kind, including but not limited to any false, fraudulent, defamatory, or scandalous data, statements or accusations, any profanity, any pornographic or sexually explicit materials, images, depictions, diagrams, drawings, illustrations, video displays or references of any kind, nor any material containing or designed or intended to convey any insults to another person based on race, sex, national origin, ethnicity, age, color, disability, sexual orientation or religion. You understand and agree that this website is a private enterprise owned and operated exclusively for business purposes of USAble Life and its affiliated companies, and as such that this website shall not be used by you to solicit any business apart from the products, goods or services offered by USAble Life, nor shall this website be used by you to promote any personal, political or religious agenda or philosophy of you or any other person or organization.
You agree that USAble Life shall be entitled, if it so chooses, to take steps to bar your continued use or access to this website in the event of any improper activity of any kind and further that USAble Life may report any such improper activity to appropriate civil or criminal authorities or agencies, either local, state or federal, and may in certain instances pursue civil action or criminal charges and prosecution against violators.
Jurisdiction and remedies for violation of rules
If you violate any of these website rules, or if there is any dispute between you and USAble Life relating to your access to or use of the website or to the USAble Life Data, you agree that you will be subject to the personal jurisdiction of the courts of Pulaski County, Arkansas, for all purposes relating to any civil or criminal action in connection with your violation or with regard to any dispute between you and USAble Life related to this website. In the event of any violation of these rules, you agree that, in addition to damages or other remedies that might be available, USAble Life shall be entitled to an injunction against you to stop such violations.
Product offerings limited to certain residents
While it is possible that you may access this website from any state in the United States, you understand and agree that the insurance business of USAble Life is limited to the states wherein USAble Life is licensed to do business and USAble Life does not solicit or seek to place any insurance coverage in states in which USAble Life is not licensed. Accordingly, you agree that if you are a resident of any state wherein USAble Life is not licensed, you will disclose your residency accurately and completely and will not accept any insurance offering or solicitation of USAble Life, even if some such offering or solicitation is mistakenly or inadvertently directed to you as a resident of any state wherein USAble Life is not licensed, either by machine or human error.
You acknowledge that use of this website may necessitate use and/or disclosure of Confidential Information. The term “Confidential Information” includes, but is not limited to information protected as Protected Health Information (PHI) as that term is defined by the Health Insurance Portability and Accountability Act of 1996, as amended (HIPAA) and its implementing regulations or Personally Identifiable Information (PII) as that term is defined by the Financial Modernization Act of 1999 (the Gramm Leach Bliley Act or “GLB”); as well as any information protected from disclosure by any other federal, state, or local law or regulation.