Effective Date: April 20, 2020
Welcome to www.independent.life (the “Site” or “Website”).
Changes to the Site
Third Party Information
This Site, including all materials, is protected by U.S. copyright laws whether or not a copyright notice is present on the materials. All text, images, graphics, animation, videos, music, sounds and other materials on this Site are subject to the copyrights and other intellectual property rights of the Company. You agree to comply with all copyright laws worldwide in your use of this Site and to prevent any unauthorized copying of the materials. Except as expressly provided herein, the Company does not grant any express or implied right to you under any patents, trademarks or copyrights.
While using the Website, you agree not to:
upload, download or otherwise transfer or distribute any inappropriate, defamatory, infringing, pornographic, obscene, racist, terrorist, indecent or unlawful material or information.
in any manner reveal confidential or proprietary information of any third party for which do not have requisite and applicable right(s) under law.
defame, abuse, harass, stalk, threaten or otherwise violate the legal rights of any other party.
upload or otherwise make available, files that contain images, photographs, software or other material protected by intellectual property laws, including, by way of example, and not as limitation, copyright or trademark laws (or by rights of privacy or publicity) unless you own or control the rights thereto or have received all necessary consent to do the same.
upload files that contain viruses, trojan horses, worms, time bombs, cancelbots, corrupted files, or any other similar software or programs that may damage the operation of another's computer or property of another.
download any file you know, or reasonably should know, cannot be legally reproduced, displayed, performed, and/or distributed in such manner.
falsify or delete any copyright management information, such as author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
create a false identity for the purpose of misleading others.
not incorporate any content from this Site into your site (e.g., by in-lining, framing or creating other browser or border environments around the website content). You may only link to,
not replicate, the Site content;
not use any trademarks, logos, designs or service marks of the Company in your links;
not create the appearance of a relationship or affiliation with the Company; and
not maintain any offensive, illegal or inappropriate content on the Site.
While using the Website you agree not to violate any applicable law or regulation, or access, tamper with, or use non-customer areas of the Website or the Company’s computer systems. You may not compromise Website security or tamper with Website accounts. The use of tools designed for hacking or compromising security (e.g., password-guessing programs, cracking tools or network probing tools) is strictly prohibited.
You may not probe, scan or test the vulnerability of the Website, nor breach security or authentication measures on the Website. You may not reverse look-up or trace any information on any other user of or visitor to the Website, or any customer of the Company, or disclose any information about any such visitor or customer.
Access and Activity: Open Areas and Password Areas
Some areas of the Site may be accessible without password access control (“Open Areas”). You may be assigned a password or access code (“Password”) in order to access, to view, and to use some aspects of the Services (“Password Areas”) and, if applicable, to upload or review certain information (“Content”) onto the Site. To the extent that the Company possess the right to use, display, distribute, copy, alter, or publicly perform the Content and the right to authorize such acts with respect to the Content and the Website, the following limited licenses apply: (1) in Open Areas, we grant to You in the course of accepting this Agreement a personal, nonexclusive, nonassignable and nontransferable license to use and display Content and to access and to use the Website; and (2) in Password Areas, the issuance of any Password by us shall operate as a personal, nonexclusive, nonassignable and nontransferable license to use and display Content and to access and to use the Site in the Password Areas, within the scope of access and use supported by the Password in the course of normal web browsing, during the session for which the Password is accepted only; provided, however, that the foregoing shall not authorize any activity or access that is otherwise indicated in writing by us to be unauthorized, whether by this Agreement, or a separate document or communication from us (such as pop-up, e-mail or postal mail). In addition to the limited authorization provided above, You may make a single hard-copy printout, for internal use only (with no right of distribution) of Company Content.
Limitations and Obligations Regarding Password Security
You agree to maintain all Passwords as private and confidential information. Your Password and any authorization thereunder may not be transferred, leased, assigned, or sublicensed without our prior written consent. You will not yourself, and will not allow others to, circumvent the password restrictions on the Site. You further agree to notify us immediately upon discovery or suspicion of compromise of the confidentiality of Your Password and of any change in contact information. You shall be solely responsible for securing the Password and preventing misuse or unauthorized use of the Password. The support of Passwords by us and the Site is not a representation that information published and designated for access only by certain passwords, password types, or password levels is guaranteed confidential or private or that it is accessible only to such designated passwords, password types, and password levels. You acknowledge that no password or electronic security system is foolproof. You agree not to rely upon the password system to protect or limit distribution of any Content that may be of a sensitive nature or otherwise inappropriate for general dissemination. You shall be responsible for all use of the Site accessed in connection with Your Password and all transactions effected in connection with the Password. In particular, without limitation, we shall be entitled to rely upon the authority to act for and to You or any person accessing the Site with the password.
The names and all trademarks and logos of Company displayed on this Site are owned or used under license by Company or its affiliates. The unauthorized use of any trademark displayed on this Site is strictly prohibited.
Notice of Infringement Claims
Company respects the intellectual property of others, and we ask our users to do the same. If you believe that your intellectual property has been copied in a way that constitutes copyright infringement, or that your intellectual property rights have been otherwise violated, please provide us with the following information in an email to firstname.lastname@example.org:
The date of the notice;
The name and registered address of the notice recipient;
A description of the copyrighted work or other intellectual property that you claim has been infringed;
A description of where the material that you claim is infringing is located on the Website, with enough detail that we may find it on the Website;
Your name, surname, profession,
address, telephone number and email address;
A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright or intellectual property owner, its agent, or the law, and mention of the legal provisions justifying the content to be removed;
A statement by you that the information in your notice is accurate and that you are the copyright or intellectual property owner or are authorized to act on the copyright or intellectual property owner's behalf; and
An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest.
You understand and agree that use of or connection to the Internet is inherently insecure and that connection to the Internet provides opportunity for unauthorized access by a third party to your computer systems, networks, and any and all information stored therein. You understand that the technical processing and transmission of the Site, including your content, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. All information transmitted and received through the Internet is subject to unauthorized interception, diversion, corruption, loss, access, and disclosure. Company shall not be responsible for any adverse consequences that may arise as a result of your connection to or use of the Internet, and shall not be responsible for any use by you of an Internet connection in violation of any law, rule, or regulation or any violation of the intellectual property rights of another.
Please do not use e-mail to send us communications which contain confidential or sensitive financial information such as account numbers, social security number, PIN and passwords, or communications which require immediate attention. If you have questions about the Product or Services that require the sharing of your confidential or sensitive financial information, please call us instead.
It is our policy not to knowingly collect personal information from children, and therefore we do not knowingly distribute such information to third parties or otherwise process such information. If you are a parent/guardian and you suspect that your child may have submitted personal information to us, please send us an email at email@example.com. If we become aware that a child has provided us with personal information, we will strive to delete such information from our files as soon as possible.
Indemnity and Hold Harmless
YOU AGREE THAT YOUR USE OF THIS SITE SHALL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, COMPANY’S OFFICERS, DIRECTORS, EMPLOYEES, PARENTS, AFFILIATES, SHAREHOLDERS, REPRESENTATIVES, SERVICE PROVIDERS AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THIS SITE AND YOUR USE THEREOF. COMPANY AND ITS SERVICER PROVIDERS AND AGENTS, MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE CONTENT OF ANY SITES LINKED TO THIS SITE AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR (I) ANY ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) ANY PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR WEBSITE, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR WEB SITE, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH OUR WEB SITE BY ANY THIRD-PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE WEB SITE. COMPANY DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD-PARTY THROUGH THE WEB SITE OR ANY HYPERLINKED WEB SITE OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND COMPANY WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.
Limitation of Liability
You expressly absolve and release Company from any claim of harm resulting from a cause beyond Company’s control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other connection problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes, or other labor problems, wars, or governmental restrictions. MOREOVER, IN NO EVENT SHALL COMPANY, ITS AGENTS OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THE WEBSITE, WITH THE DELAY OR INABILITY TO USE THE WEBSITE, OR FOR ANY INFORMATION, SERVICES, PROGRAMS, PRODUCTS, AND MATERIALS AVAILABLE THROUGH THE WEBSITE, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY. NOTWITHSTANDING THE FOREGOING, TOTAL LIABILITY OF COMPANY FOR ANY REASON WHATSOEVER RELATED TO USE OF THE WEBSITE SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU TO COMPANY IN CONNECTION WITH THE SUBJECT MATTER OF THE PARTICULAR DISPUTE DURING THE PRIOR THREE MONTHS.
Availability of Product and Services
Unless otherwise specified, the materials in the Website are presented solely for the purpose of educating the user about the products and services of the Company. Nothing in this Website constitutes an offer to buy or sell products or services of the Company. The Company makes no representation that any or all of the materials in the Website are appropriate or available for sale in any or all locations. No life insurance, annuity, security or any other product offered by the Company is offered or will be sold in any jurisdiction in which such offer or solicitation purchase or sale would be unlawful under the insurance or securities laws or other laws of such jurisdiction. No such life insurance, annuity, security or any other product is offered or will be sold in any jurisdiction by an entity which is not properly licensed to do so in such jurisdiction. Some products may not be available in all states. In addition, any prospectus information available on this Website is posted for informational purposes only. Those who choose to access this Website do so on their own initiative and are responsible for compliance with state, local and foreign laws, if and to the extent such laws are applicable. Your eligibility for particular product or offering is subject to final determination of underwriting qualifications. We reserve the right to determine such eligibility as required and permitted by law. Please note that the products offered on the Site may be subject to specific terms, conditions, representations, or agreements. Portions of this Site describe related products and provide additional information about terms, conditions representations, agreements, eligibility, availability and federal income tax treatment for such product offerings; however this Site does not amend, modify, or supplement any separate agreement entered into between You and the Company for such product offerings.