The following terms and conditions govern the use by you of the Family Heritage Life Insurance Company of America ("FHL") Website, currently located at www.familyheritagelife.com. The terms and conditions set forth herein apply to all materials, online communications and other information and materials that are or become available on this Website. Please read these terms and conditions carefully before accessing this Website. BY USING THIS WEBSITE, YOU AGREE TO EACH OF THE PROVISIONS OF THE FOLLOWING AGREEMENT. Please note that any material changes to this policy will be posted to this website. It is your responsibility to check for WEBSITE AGREEMENT updates. Your continued use shall constitute agreement to any such changes.
Links to Other Sites
FamilyHeritageLife.com may contain links to other Websites. FHL neither reviews nor controls the content, accuracy or availability of these Websites, and therefore will not be responsible for their content, accuracy and availability. Your access to non-FHL Websites is at your sole risk.
All material including any link to other sites and content found at linked sites is provided "as is" and without any express or implied warranties including warranties of merchantability or fitness for a particular purpose. Due to the nature of the Internet, FHL does not warrant that access to FamilyHeritageLife.com or any of its pages will be uninterrupted or error free. FHL does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on FamilyHeritageLife.com. Should you purchase a FHL product, the terms and conditions applicable to that transaction will govern such purchase; such a purchase is completely independent of the use of this Website.
Viruses, Worms, Use of Files
FHL cannot and does not guarantee or warrant that files available for downloading from this site are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. FHL does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, non-infringement or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will FHL be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this site. These files may be downloaded and/or reprinted for personal use only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any reason except for personal use is expressly prohibited, unless prior written consent is obtained from the appropriate FHL copyright holder.
"Family Heritage", "Family Heritage Life" and "Family Heritage Life Insurance Company of America" are protected trademarks. To the extent there are references at FamilyHeritageLife.com to others' trademarks or service marks, these, whether registered or not, are the property of their respective owners.
Limitation of Liability
You agree by accessing FamilyHeritageLife.com that under no circumstances or any theories of liability under international or civil, common or statutory law including but not limited to strict liability, negligence or other tort theories or contract, patent or copyright laws, will FHL be liable for damages of any kind occurring from the use of this website or any information obtained on this website including direct, indirect, consequential, incidental, or punitive damages (even if FHL has been advised of the possibility of such damages), to the fullest extent permitted by law. Some jurisdictions do not allow the exclusion or limitation of certain damages so some of these limitations may not apply to you.
Minors and Child Online Privacy Protection Act
FamilyHeritageLife.com does not direct content to Minors and does not intend to collect personal information from Minors and therefore is not subject to the Child Online Privacy Protection Act. If you allow your minor child, or a child for whom you are legal guardian (a "Minor"), to access and use FamilyHeritageLife.com, you agree that you will be solely responsible for the online conduct of such Minor, for monitoring such Minor's access to and use of FamilyHeritageLife.com and for the consequences of any use.
The Digital Millennium Copyright Act
FHL reserves the right, but not the obligation, to terminate your access to FamilyHeritageLife.com if it determines in its sole and absolute discretion that you are involved in infringing activity, including alleged acts of first-time or repeat infringement, regardless or whether the material or activity is ultimately determined to be infringing. FHL and its service providers accommodate and do not interfere with standard technical measures used by copyright owners to protect materials.
If you choose to access FamilyHeritageLife.com from outside the United States you do so on your own initiative and are responsible for compliance with U.S. and local laws, if and to the extent that local laws are applicable. Software is subject to United States export controls. No software may be downloaded or otherwise exported or re-exported into any other country to which the U.S. has embargoed goods or to anyone to which the U.S. government denies access. You represent and warrant that you are not located in, under the control of, or a national resident of any such country or on any such list. You agree to comply with U.S. export control laws and that you will not transfer any software or other content from FamilyHeritageLife.com to a foreign national or foreign country in violation of those laws.
This site is owned by Family Heritage Life Insurance Company of America. FHL has the right at any time to add to, change or discontinue any aspect of the site including, without limitation, the content, hours of availability and equipment needed for access to or use of the site. FHL reserves the right to monitor this site to ensure compliance with the Website Agreement and any applicable law or regulation.
The information about FHL products on this site is intended as a general description, and do not include all terms and conditions applicable to the products.
Either you or FHL may terminate this agreement at any time. You may terminate this agreement by destroying all materials obtained from the Website and all related documentation and copies thereof. This agreement will terminate immediately without notice from FHL if in FHL's sole discretion you fail to comply with any term or provision of this agreement.
Use of FamilyHeritageLife.com will be governed by and construed in accordance with the laws of the State of Ohio. You agree that any legal action or proceeding between you and FamilyHeritageLife.com will be brought exclusively in a federal or state court of competent jurisdiction sitting in Cleveland, Ohio. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.