CORPORATE ORGANIZATION AND LICENSING
LifeMap markets its products only in those states where it is licensed and where its products have received regulatory approval. The identification number assigned to LifeMap by the National Association of Insurance Commissioners is 97985.

USE OF THE WEBSITE, ACCEPTANCE OF TERMS OF USE AND CHANGES TO TERMS OF USE
This website is owned and operated by LifeMap (hereafter, the “Website”). These Terms of Use are entered into between you and LifeMap.  The following Terms of Use contain provisions that govern your access to, and use of, the Website, including any content, functionality, and services offered on or through the Website.  This Website is provided subject to the terms and conditions set forth on this page, in addition to, and not in limitation of, the provisions of any other agreement you may enter into with LifeMap.   

Please read the Terms of Use carefully before you start to use the Website.  BY CLICKING THE “I AGREE” BUTTON OR ACCESSING OR USING ANY PART OF THE WEBSITE, YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT AGREE TO BE SO BOUND, DO NOT ACCESS OR USE THE WEBSITE. 

LifeMap may modify these Terms of Use from time to time and without notice, effective immediately upon posting on this Website and apply to all access to and use of the Website thereafter.  Your continued access or use of this Website shall constitute acceptance of such modifications of the Terms of Use.  

LifeMap has the right to terminate your access or use of this Website at any time without notice.

COMPLIANCE WITH LAWS
You agree to comply with all applicable federal, state and local laws regarding your access to and/or use of the Website. The information communicated through this Website constitutes an electronic communication. You agree LifeMap may communicate electronically with you and that such communications are equivalent to communications in writing and shall have the same force and effect as if they were in writing and signed by the person or entity sending the communication.

TRADEMARKS, SERVICE MARKS AND COPYRIGHTS
This Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof) are owned or licensed by LifeMap, and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. No materials found on this Website or any other Website owned, operated, or licensed by LifeMap may be downloaded, posted, transmitted, modified or distributed in any way. You may not distribute, modify, transmit, reuse, repost or use the content of this Website for public or commercial purposes, including the text, images, audio, or video without LifeMap’s prior written permission.

Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity and communications regulations and statutes and could result in forfeiture of the violator’s profits obtained as a result of the unauthorized use as well as the payment of other damages and fees.

DISCLAIMER; LIMITATION OF LIABILITY 
This web site and its contents are provided “as is” and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties of merchantability or fitness for a particular purpose. LifeMap does not warrant that use of this Website will be uninterrupted or error-free, that defects, if any, will be corrected, or that either this Website or the server that makes it available to you is free of viruses, disabling devices or other harmful components. LifeMap is not responsible for any damage caused to your personal computer by the existence of computer viruses affecting the internet. The content, other information and services are provided with the understanding that LifeMap, its suppliers, licensors, or users, are not engaged in rendering legal, medical, counseling or other professional services or advice.

LifeMap assumes no responsibility for any consequence relating directly or indirectly to any action or inaction you take based on the content, other information, services or other material on this Website. Further, under no circumstances, including, but not limited to negligence by act or omission, shall LifeMap or any party involved in creating, producing, or delivering this Website, be liable for any direct, incidental, consequential, indirect or punitive damages that result from the use of, or the inability to use the materials on this Website, even if LifeMap has been advised of the possibility of such damages.

As stated above, the information contained herein is presented without express or implied warranties of any kind. The information contained herein is not intended as, nor should it be construed as legal, medical or professional advice. You should consult your own physician, legal or tax advisor with respect to your personal health and financial situation.

PRODUCT INFORMATION
The information contained on this Website is not an offer to sell or a solicitation to buy any insurance product. No insurance product is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the insurance or other laws of such jurisdiction. Not all products on this Website will be available in every state; in many instances, products may be offered only though employers or other plan sponsors.

LINKS TO THIRD PARTY WEBSITES
LifeMap and/or this Website may provide links to other websites and/or resources. These links are provided solely as a convenience to users and should not be construed as an endorsement by LifeMap of the content, information, items, or services on those other websites or resources. You access and use such website and other resources, including their content, information, items, and the services solely at your own risk. LifeMap makes no representations or warranties with respect to the content, information, ownership, or legality of any such linked websites or other resources.
You agree that LifeMap has no responsibility or liability for the availability of such external websites or resources, or for the content, information, advertising, products, or other materials available through such websites or resources.

MODIFICATIONS OF CONTRACTS
No representation made on this Website, whether written, graphical, or verbal, may alter or supplement the terms of LifeMap’s existing contracts with its customers.

GOVERNING LAW; JURISDICTION; VENUE
All communications or transactions related to this Website, including these Terms of Use for LifeMap's Website, shall be governed by, and interpreted under, the internal laws of the State of Oregon, without regard to its conflicts of law principles.  With respect to any dispute related to these Terms of Use, or your use of LifeMap’s Website, the parties submit to the exclusive personal and subject matter jurisdiction of, as well as the venue of, the federal and/or state courts of Oregon.  LifeMap consents to service of process permitted under Oregon law or through Corporation Service Company.

These Terms of Use were last modified December 2015.