Legal/Consumer Notices

Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, New York. Product availability, features and rates may vary by state.

Assurity Life Insurance Company - NAIC license 71439

Assurity Life Insurance Company of New York – NAIC license 15940

Consumer Notices
Illinois Domestic Violence Notice

Illinois Insurance Code section 335b provides important protections to victims of domestic violence. More

The law prohibits insurers from taking certain actions against an individual solely because he or she has been a victim of domestic violence. In addition, if an insurer receives a valid order of protection from an individual covered by an insurance policy against a policyholder, the insurer may not disclose the address and telephone number of the victim of domestic violence (or of any child residing with the victim) to the policyholder. An insurer also may not disclose to a policyholder the nature of any health care services provided, or the name, address, and telephone number of a person or entity providing such services to the victim.

In addition, insurers must accommodate a reasonable request by an insured who is a victim of domestic violence to receive communications of claim-related information by alternative means or at alternative locations if the person making the request clearly states that the disclosure of all or part of the information could endanger the person. If the insured person is a child, this request may be asserted by the child’s parent or guardian.

To make such a request, please contact us or send a copy of the valid order of protection to:

Assurity Life Insurance Company
Post Office Box 82533
Lincoln, Nebraska 68501-2533
(800) 869-0355 (phone)
(888) 255-2060 (fax)

You may revoke your request at any time by contacting us at the address or telephone number above.

For additional information on domestic violence resources, you may contact the State of Illinois Domestic Violence Helpline:

  • 1-877-TO END DV or 1-877-863-6338 (voice)
  • 1-877-863-6339 (TTY)
New York Domestic Violence Notice

New York Insurance Law section 2612 provides important protections to victims of domestic violence. More

The law prohibits insurers from taking certain actions against an individual solely because he or she has been a victim of domestic violence. In addition, if an insurer receives a valid order of protection from an individual covered by an insurance policy against a policyholder, the insurer may not disclose the address and telephone number of the victim of domestic violence (or of any child residing with the victim) to the policyholder. An insurer also may not disclose to a policyholder the nature of any health care services provided, or the name, address and telephone number of a person or entity providing such services to the victim.

In addition, insurers must accommodate a reasonable request by an insured who is a victim of domestic violence to receive communications of claim-related information by alternative means or at alternative locations if the person making the request clearly states that the disclosure of all or part of the information could endanger the person. If the insured person is a child, this request may be asserted by the child’s parent or guardian.

To make such a request, please contact us or send a copy of the valid order of protection to:

Assurity Life Insurance Company of New York
PO Box 82533
Lincoln, Nebraska 68501-2533
(844) 401-7585
(844) 401-7586 (fax)

You may revoke your request at any time by contacting us at the address or telephone number above.

For additional information on domestic violence resources, you may contact New York’s Domestic and Sexual Violence Hotline or visit the Office for the Prevention of Domestic Violence website:

(800) 942-6906
(800) 621-HOPE or dial 311 (in New York City)
(866) 604-5350 (TTY – hearing or speech impaired)
http://www.opdv.ny.gov/

South Carolina DOI Memorandum – Proceeds to Divorced Beneficiaries

The South Carolina Department of Insurance issued a memorandum on March 22, 2016, to educate clients, producers, and brokers to ensure they are aware of the requirements of Section 62-2-507 and insure policyholder’s wishes are met after they are deceased. More

Section 62-2-507, provides that an order or decree for divorce or annulment revokes any prior disposition of property, beneficiary designation, inter alia, unless the life insurance policy, a court order, or a marital settlement contract expressly provides for the disposition of the property or for the former spouse to continue as the beneficiary of the policy. This is a proactive effort to ensure that the policyholder’s wishes are met after they are deceased.

To view the South Carolina Code 62-2-507 in its entirety please visit the South Carolina Legislature website at http://www.scstatehouse.gov/code/t62c002.php.

Protecting Yourself from Scams and Fraud

Assurity has recently learned that fake/forged Assurity checks are presently being circulated to consumers in a “secret store evaluator” scam. More

This is in addition to previous scams involving attempts to overpay for items sold on Craigslist, fake offers involving modeling jobs and basketball camps, and others. Assurity is only involved in the business of insurance, and our address/contact information is clearly listed on our website. Checks for other purposes are not legitimate. Please take steps to protect yourself! If you have any concerns about a check purportedly from Assurity, contact us at (800) 869-0355, Ext. 4279 or email us at reportfraud@assurity.com.

For more information regarding fake check scams, please visit: http://fakechecks.org/prevention-faqs01.html.

Legal Notices
Privacy Statements

This website is owned by Assurity and any of its present or future affiliates. More

Assurity is a marketing name for the mutual holding company, Assurity Group Inc. and its subsidiaries. Those subsidiaries include, but are not limited to, Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.

Assurity has prepared the following Privacy Policy Statement to describe our policy regarding Assurity's collection, storage and use of information, which our website visitors may transmit to Assurity while visiting our site. Currently, our website provides you with information about Assurity and its business; however, there is no direct access to any personal identifiable financial or medical information via the website, nor may direct insurance transactions be completed electronically. You may transmit electronic requests and inquiries via email on the website for a response via email or telephone. We reserve the right to change our website privacy policy, and in the event we do, we will promptly post any changes to our website.

For each visitor to our website ("user"), our web server will automatically recognize the user's domain name, but not the user's email address. Assurity collects and stores the domain name, the email addresses of those who communicate with us via email, the aggregate information on the web pages that users access or visit, and any and all information volunteered by the user. The user information collected by Assurity will not be shared with other organizations except as permitted by law for the exclusive purpose of transacting the business of insurance. Assurity does not place Internet cookies on our users' hard drives.

Email Notice

Except as required by privacy laws, if a user elects to communicate with Assurity via website email, the user acknowledges that the information contained in the user's message shall not be considered confidential and that Assurity shall be free to disclose such information contained therein without any liability or limitation. The information you submit to us via email is used to provide you with the response or service you have requested. Any information you submit is because you have chosen to transmit the information in that manner voluntarily. If you object to the collection and use of this information as outlined, we ask that you do not submit information or access our site. We encourage you to send confidential correspondence via the postal service to Assurity, P.O. Box 82533, Lincoln, NE 68501-82533. Email messages are NOT SECURE and are subject to viewing, alteration, and copying by potentially anyone on the Internet. Please keep in mind that transmitting information via the Internet is never completely secure and you should exercise discretion with respect to the submission of any personal or financial information.

Product Notice

The insurance product information contained on this website has been prepared for informational purposes only and is not intended to constitute a solicitation or offer for sale. All products listed may not be available in all states. For further information, please contact your nearest Assurity representative who can provide you with costs and complete details.

Users

The information contained within this website is provided for general information purposes. To protect the system from unauthorized use and to ensure the system is functioning properly, activities on this system are monitored. Anyone using this system expressly consents to such monitoring and is advised that if such monitoring reveals possible evidence of criminal activity, Assurity may provide the evidence of such monitoring to law enforcement officials.

Links to Other Sites

This site may, from time to time, contain links to other Internet websites for the convenience of users in locating information and services that may be of interest. You acknowledge that these third-party sites are maintained by persons or organizations which Assurity does not control, and Assurity expressly disclaims any responsibility for the content, the accuracy of the information and/or quality of products or services provided by or advertised on these linked sites. If you access those links, you acknowledge that you are subject to the linked website's privacy policy.

Copyright and Proprietary Rights

Assurity owns all service marks and logos located on the site unless otherwise indicated. Removal or reproduction, by any means, of any materials, logo, trademark, service mark, or the name of Assurity or its affiliates, is expressly prohibited without the prior written consent of Assurity.

Assurity Customer Privacy Policy

At Assurity, we value our customers. We also share customers' concerns about privacy. More

Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, New York. Product availability, features and rates may vary by state.

This notice explains how we treat personal information ("customer information") that is not public. This is information that we obtain from customers or other sources when we provide products and services.

Customers,

  • We want you to know that we respect your privacy; and we protect your information.
  • We do not sell customer information.
  • We do not share your information with persons, companies, or organizations outside of Assurity and our affiliated companies that would use that information to contact you about their products and services.
  • We expect persons or organizations that provide services on our behalf to keep your information confidential. We also expect those persons or organizations to use your information only to provide the services we've asked them to perform.
  • We communicate to our employees about the need to protect your information. We have established safeguards (these are physical, electronic and procedural) to protect this information.

What do we do with your information?

Assurity does not sell your customer information to anyone. We do not share it with companies or organizations outside of Assurity that would use that information to contact you about their own products and services. If that practice were ever to change, we would offer you the ability to opt out of this type of information sharing. Also, we would obtain your consent before we share medical information for marketing purposes.

Your agent or broker may use your information to help you with your insurance needs. We may also communicate with you about products, features, and options in which you have expressed an interest. Without your consent, we may provide your information to persons or organizations in and out of Assurity and our affiliated companies.

This would be done as permitted or required by law. We may do this to:

  • Fulfill a transaction you have requested
  • Provide service on your policy
  • Market our products to you
  • Investigate or handle claims
  • Detect or prevent fraud

Participate in insurance support organizations (Information from a report by an insurance support organization may be retained by that organization and distributed to other persons.)

Comply with lawful requests from regulatory and law enforcement authorities. These persons or organizations may include:

  • Companies that perform services, including marketing, on our behalf
  • Other insurance companies to perform their role in an insurance transaction involving you
  • Businesses that conduct actuarial or research studies
  • Persons requesting information pursuant to a subpoena or court order
  • Your agent or broker

What kind of customer information do we have, and where did we get it?

Much of the information that we have about you comes from you. When you perform certain transactions you may give us information such as your name, address, and Social Security number. These transactions include when you submit an application for insurance, submit a request for insurance, submit a request for products and services we offer, or submit a request for an insurance quote. We keep information about the types of services you purchase from us. Examples of this include: premiums, account balances, and payment history. We may collect information from outside sources such as consumer reporting agencies and health care providers. The information we collect may include the following:

  • Motor vehicle reports
  • Credit reports
  • Medical and prescription information

How do we protect your customer information?

We expect any company with whom we share your information to use it only to provide the service we have asked them to perform. We communicate the need to protect your information to all affiliated companies, employees and agents. Plus, we have established physical, electronic, and procedural safeguards to protect your information. Note that if your relationship with us ends, your information will remain protected. This protection will be provided according to our privacy practices outlined in this notice.

If you have any questions or would like more information, please don't hesitate to contact Assurity, Privacy Officer, PO Box 82533, Lincoln, NE 68501-2533.

For MONTANA residents: A request may be made to obtain the name(s) of any entities to which we have disclosed your medical information during the preceding two years.

For INDIANA residents: Questions regarding your policy or coverage should be directed to Assurity at (877)229-5553. If you (a) need the assistance of the governmental agency that regulates insurance; or (b) have a complaint you have been unable to resolve with your insurer, you may contact the Department of Insurance by mail, telephone, or email:

State of Indiana Department of Insurance Consumer Services Division 311 West Washington St, Ste 300 Indianapolis, IN 46204

Consumer Hotline: (800) 622-4461; (317) 232-2395. Complaints can be filed electronically at www.in.gov/idoi.

HIPAA Privacy Practices (Assurity Life Insurance Company)

(This Notice of Privacy Practices is effective February 28, 2013.)

THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE READ IT CAREFULLY. More

This notice describes the legal obligations of Assurity Life Insurance Company ("Assurity") and your legal rights regarding your protected health information relating to your Assurity Life Insurance Company health policy under the Health Insurance Portability and Accountability Act of 1996 (HIPAA). Among other things, this Notice describes how your protected health information may be used or disclosed to carry out treatment, payment, or health care operations, or for any other purposes that are permitted or required by law.

We are required to provide this Notice of Privacy Practices (the “Notice”) to you pursuant to HIPAA.

The HIPAA Privacy Rule protects only certain medical information known as “protected health information.” Generally, protected health information is individually identifiable health information, including demographic information, collected from you or created or received by a health care provider, a health care clearinghouse, a health plan, or your employer on behalf of a group health plan that relates to:

  1. your past, present, or future physical or mental health or condition;
  2. the provision of health care to you; or
  3. the past, present, or future payment for the provision of health care to you.

If you have any questions about this Notice or about our privacy practices, please contact HIPAA Privacy Officer, Assurity Life Insurance Company, P.O. Box 82533, Lincoln, Nebraska 68501-2533.

Our Responsibilities

We are required by law to:

  • maintain the privacy of your protected health information;
  • provide you with certain rights with respect to your protected health information;
  • provide you with a copy of this Notice of our legal duties and privacy practices with respect to your protected health information; and
  • follow the terms of the Notice that is currently in effect.

We reserve the right to change the terms of this Notice and to make the new practices and Notice provisions effective for all of your protected health information that we maintain, as allowed or required by law. If we make any material change to this Notice, we will provide you with a copy of our revised Notice of Privacy Practices by mail to the last-known address on file no later than our next annual mailing.

How We May Use and Disclose Your Protected Health Information

Under the law, we may use or disclose your protected health information under certain circumstances without your permission. The following categories describe the different ways that we may use and disclose your protected health information.

For Payment. We may use or disclose your protected health information to determine your eligibility for benefits, to facilitate payment for the treatment and services you receive from health care providers, to determine benefit responsibility under your policy, or to coordinate policy coverage. Likewise, we may share your protected health information with another entity to assist with the adjudication or subrogation of health claims or to another health plan to coordinate benefit payments.

For Health Care Operations. We may use and disclose your protected health information for our health care operations, which may include: conducting or arranging for medical review, legal services, and fraud and abuse detection programs; business planning and development such as cost management; and business management and general administrative activities. We may also use and disclose your protected health information for underwriting purposes, except that we may not use or disclose protected health information that is genetic information for this purpose.

To Business Associates. We may contract with individuals or entities known as Business Associates to perform various functions on our behalf or to provide certain types of services. In order to perform these functions or to provide these services, Business Associates will receive, create, maintain, use, and/or disclose your protected health information, but only after they agree in writing with us to implement appropriate safeguards regarding your protected health information.

As Required by Law. We will disclose your protected health information when required to do so by federal, state, or local law. For example, we may disclose your protected health information when required by national security laws or public health disclosure laws.

Health Oversight Activities. We may disclose your protected health information to a health oversight agency for activities authorized by law. These oversight activities include, for example, audits, investigations, inspections, and licensure. These activities are necessary for the government to monitor the health care system, government programs, and compliance with civil rights laws.

Lawsuits and Disputes. If you are involved in a lawsuit or a dispute, we may disclose your protected health information in response to a court or administrative order. We may also disclose your protected health information in response to a subpoena, discovery request, or other lawful process by someone else involved in the dispute, but only if efforts have been made to tell you about the request or to obtain an order protecting the information requested.

Law Enforcement. We may disclose your protected health information if asked to do so by a law enforcement official if in response to a court order, subpoena, warrant, summons, or similar process.

Personal Representatives. We will disclose your protected health information to individuals authorized by you, or to an individual designated as your personal representative, attorney-in-fact, etc., so long as you provide us with a written notice/authorization and any supporting documents (i.e., power of attorney).

Public Health Activities. We may disclose your protected health information for public health activities that are permitted or required by law. These activities may include disclosures to a public health authority to collect or receive such information for the purpose of preventing or controlling disease, injury, or disability.

Abuse, Neglect, and Domestic Violence. We may disclose your protected health information to the appropriate government authority if we believe you have been the victim of abuse, neglect, or domestic violence. Unless such disclosure is required by law, we will only make this disclosure if you agree or, if unable to obtain your agreement, under other limited circumstances when authorized by law.

Deceased Individuals. We may disclose the protected health information of a deceased individual to a coroner, medical examiner, or funeral director to carry out their duties as allowed by law.

To Avert a Serious Threat to Health or Safety. Under certain circumstances, we may use or disclose your protected health information if, in good faith, the use or disclosure is necessary to prevent or lessen the threat and is to a person reasonably able to prevent or lessen the threat (including the subject of the threat).

Military and National Security. We may disclose your protected health information if you are a member of the armed forces as required by military command authorities. We may also disclose your protected health information about foreign military personnel to the appropriate foreign military authority, or to federal authorities, if necessary, for national security or intelligence activities authorized by law. Incidental Uses and Disclosures. There are certain incidental uses or disclosures of your protected health information that occur while we are conducting our business. We will make reasonable efforts to limit these incidental uses and disclosures.

Authorizations. Other uses or disclosures of your protected health information not described above will only be made with your written authorization. Such other uses include, but may not be limited to, (1) most uses and disclosures of psychotherapy notes, (2) uses and disclosures of protected health information for marketing purposes, and (3) disclosures that constitute a sale of personal health information. You may revoke written authorization at any time, so long as the revocation is in writing. Once we receive your written revocation, it will only be effective for future uses and disclosures. It will not be effective for any information that may have been used or disclosed in reliance upon the written authorization and prior to receiving your written revocation.

Your Rights

You have the following rights with respect to your protected health information:

Right to Inspect and Copy. You have the right to inspect and receive a paper or electronic copy of certain protected health information that may be used to make decisions about your health care benefits. To inspect and copy your protected health information, you must submit your request in writing to our HIPAA Privacy Officer. Your request should indicate in what format you want the records (paper or designated electronic format) and we will provide you with the information in that format, if it is readily producible in such format. If you request a copy of the information, we may charge a reasonable fee for the cost of copying, mailing, or other supplies associated with your request. You may also direct us to transmit your protected health information to another person, and we will do so, provided your signed, written direction clearly designates the recipient and location for delivery.

We may deny your request to inspect and copy in certain very limited circumstances. If you are denied access to your medical information, you may request that the denial be reviewed by submitting a written request to our HIPAA Privacy Officer.

Right to Amend. If you feel that the protected health information we have about you is incorrect or incomplete, you may ask us to amend the information. You have the right to request an amendment for as long as the information is kept by Assurity.

To request an amendment, your request must be made in writing and submitted to our HIPAA Privacy Officer. In addition, you must provide a reason that supports your request.

We may deny your request for an amendment if it is not in writing or does not include a reason to support the request. In addition, we may deny your request if you ask us to amend information that:

  • is not part of the medical information kept by Assurity;
  • was not created by us, unless the person or entity that created the information is no longer available to make the amendment;
  • is not part of the information that you would be permitted to inspect and copy; or
  • is already accurate and complete.

If we deny your request, you have the right to file a statement of disagreement with us and any future disclosures of the disputed information will include your statement.

Right to an Accounting of Disclosures. You have the right to request an “accounting” of certain disclosures of your protected health information. The accounting will not include disclosures for purposes of treatment, payment, or health care operations and certain other types of disclosures, for example, disclosures with your authorization or disclosures for national security purposes.

To request this list or accounting of disclosures, you must submit your request in writing to our HIPAA Privacy Officer. Your request must state a time period of not longer than six years and may not include dates before April 14, 2003. Your request should indicate in what form you want the list (for example, paper or electronic). The first list you request within a 12-month period will be provided free of charge. For additional lists, we may charge you for the costs of providing the list. We will notify you of the cost involved, and you may choose to withdraw or modify your request at that time before any costs are incurred.

Right to Notification of a Breach. We are required to provide, and you will receive, notification of any breach of your unsecured protected health information.

Right to Request Restrictions. You have the right to request a restriction or limitation on your protected health information that we use or disclose for treatment, payment or health care operations, or to persons you identify. We are not required to agree to your request. However, if we do agree to the request, we will honor the restriction until you revoke it or we notify you.

To request restrictions, you must make your request in writing to our HIPAA Privacy Officer. In your request, you must tell us: (1) what information you want to limit; (2) whether you want to limit our use, disclosure, or both; and (3) to whom you want the limits to apply – for example, disclosures to your spouse.

Right to Request Confidential Communications. You have the right to request that we communicate with you about medical matters in a certain way or at a certain location. For example, you can ask that we only contact you at work or by mail.

To request confidential communications, you must make your request in writing to our HIPAA Privacy Officer. We will not ask you the reason for your request. Your request must specify how or where you wish to be contacted. We will accommodate all reasonable requests if you clearly provide information that the disclosure of all or part of your protected information could endanger you.

Right to a Paper Copy of This Notice. You have the right to a paper copy of this notice. You may ask us to give you a copy of this notice at any time. Even if you have agreed to receive this notice electronically, you are still entitled to a paper copy of this notice.

You may obtain a copy of this notice at our website, www.assurity.com.

To obtain a paper copy of this notice, please contact our HIPAA Privacy Officer.

Our Response to Your Request to Exercise Your Rights. We will respond to your requests to exercise any of the above rights on a timely basis as required by law.

Complaints

If you believe that your privacy rights have been violated, you may file a complaint with the Plan or with the Office for Civil Rights. To file a complaint with the Plan, contact Assurity's HIPAA Privacy Officer. All complaints must be submitted in writing.

A complaint to the Office of Civil Rights should be sent to Office for Civil Rights, Department of Health and Human Services, 601 East 12th Street - Room 248, Kansas City, Missouri, 64106, (816) 426-7278, fax (816) 426- 3686.

You will not be penalized, or in any other way retaliated against, for filing a complaint with the Office of Civil Rights or with us.

Assurity Life Insurance Company is a U.S. company serving U.S. residents in all states except New York. Not all products are available in all states or territories.

National Association of Insurance Commissioners No. 71439

Terms of Use
Terms and Conditions of Use

Please read the following terms and conditions carefully before using this Assurity website. More

Assurity is a marketing name for the mutual holding company, Assurity Group Inc. and its subsidiaries. Those subsidiaries include, but are not limited to, Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.

AGREEMENT BETWEEN USER AND ASSURITY

The Assurity website is comprised of various Web pages operated by Assurity.

The Assurity website is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Assurity website constitutes your agreement to all such terms, conditions, and notices.

PRODUCT INFORMATION

The insurance product information contained on this website has been prepared for informational purposes only and is not intended to constitute a solicitation or offer for sale. All products listed may not be available in all states. Information about Assurity’s products and services contained on the Assurity website should not be relied upon for personal, legal, or financial decisions, and you should consult an appropriate professional for specific advice tailored to your situation. For further information, please contact your nearest Assurity representative who can provide you with complete details regarding the products which may be available to you.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of this Assurity website, you warrant to Assurity that you will not use the Assurity website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use this Assurity website in any manner which could damage, disable, overburden, or impair the Assurity website or interfere with any other party’s use and enjoyment of the site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Assurity website. You are not authorized to post on or transmit to or from this website any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law. You may not modify the information, content, or other materials on the website.

Unlawful or prohibited use of this website may subject you to serious civil and criminal penalties, and Assurity reserves the right to pursue penalties and other remedies to the fullest extent of the law.

LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ASSURITY BE LIABLE FOR PERSONAL INJURY, OR ANY INCIDENTAL, SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES WHATSOEVER, ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE THIS WEBSITE, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY, AND EVEN IF ASSURITY HAS BEEN ADVISED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES. IN JURISDICTIONS THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, ASSURITY’S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. IF ANY PROVISION OF THESE TERMS OF USE IS HELD TO BE UNENFORCEABLE FOR ANY REASON, SUCH PROVISION WILL BE REFORMED ONLY TO THE EXTENT NECESSARY TO MAKE IT ENFORCEABLE AND THE REMAINING PROVISIONS WILL NOT BE AFFECTED. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE ASSURITY WEBSITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE ASSURITY WEBSITE.

NO WARRANTIES

THE CONTENT ON THE ASSURITY WEBSITE IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. ASSURITY AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS AND/OR ACCURACY OF THE INFORMATION CONTAINED ON THE WEBSITE. YOU ACKNOWLEDGE THAT SUCH INFORMATION AND MATERIALS MAY CONTAIN INACCURACIES OR ERRORS AND WE EXPRESSLY EXCLUDE LIABILITY FOR ANY SUCH INACCURACIES OR ERRORS TO THE FULLEST EXTENT PERMITTED BY LAW.

COPYRIGHT AND TRADEMARK NOTICES

Copyright and Proprietary Rights

All content on the Assurity website is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or using any content on this site for commercial or public purposes.

You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this website, without the prior written permission of Assurity.

Trademarks

In addition, content is protected by trademark laws, the laws of privacy and publicity, and communication regulations and statutes. Assurity owns all service marks and logos located on the site unless otherwise indicated. Removal or reproduction, by any means, of any materials, logo, trademark, service mark, or the name of Assurity or its affiliates, is expressly prohibited without the prior written consent of Assurity. Nothing on this website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark without our written permission.

Other parties' trademarks and services marks that may be referred to on this site are the property of their respective owners.

LINKS TO THIRD PARTY SITES

This website may contain links to third party websites ("Linked Sites"). The Linked Sites are not under the control of Assurity and Assurity is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Assurity is not responsible for webcasting or any other form of transmission received from any Linked Site. Assurity is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Assurity of the Linked Site or any association with its owner. If you access a Linked Site, you acknowledge you are subject to the Linked Site’s policies and terms and conditions of use. We reserve the right to terminate a link to a Linked Site at any time.

ACCESS TO PASSWORD PROTECTED OR SECURE WEB PAGES

Access to and use of password protected or secure Web pages on this website are restricted to authorized individuals only. Any person who accesses or attempts to access such areas without authorization may be subject to prosecution.

TERMINATION/ACCESS RESTRICTION

Assurity reserves the right, in its sole discretion, to terminate your access to the password protected or secure Web pages on this website at any time, without notice.

GOVERNING LAW AND EXCLUSIVE FORUM FOR ENFORCEMENT

Except to the extent governed by the federal law of the United States (e.g. copyright), any and all disputes arising out of these Terms and Conditions of Use will be governed by the internal laws of the State of Nebraska without regard to any choice of law rules. You agree that any and all actions or proceedings stemming from any disagreement, dispute, claim, or complaint regarding the Assurity website shall be filed exclusively and solely in the federal or state courts located in Lancaster County, Nebraska.

MODIFICATION OF THESE TERMS AND CONDITIONS OF USE

Assurity reserves the right to change the Terms and Conditions of Use under which the Assurity website is offered. You should review these Terms and Conditions of Use regularly as they may change at any time.

SERVICE CONTACT: helpdesk@assurity.com