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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.
LifeMap has the right to terminate your access or use of this Website at any time, in LifeMap's full discretion, with or without notice to you.
YOUR ACTIONS AND OMISSIONS
You acknowledge and agree your authorized use of this Website allows you to access account information, which may include personal information. For brokers using the Website, you are entirely responsible for providing your clients' consent to access the Website on their behalf to LifeMap; LifeMap will not provision your access to any client group without the group's prior written consent. You further acknowledge and agree you are fully liable for losses, damages, liabilities, fines, and expenses of whatever kind arising from your actions and omissions while using the Website, including but not limited to any access, use, or disclosure of any personal information.
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 Website 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; pursuant to these terms, you are fully liable for losses arising from your use of the 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.
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.
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