PLEASE CAREFULLY READ THE TERMS AND CONDITIONS BELOW. BY ACCESSING, DOWNLOADING, COPYING OR USING AMERICAN FIDELITY LIFE WEBSITES (“AMFI LIFE”), INCLUDING WITHOUT LIMITATION WWW.AMFILIFE.COM (COLLECTIVELY “THE SITE”), YOU ARE AGREEING TO BE BOUND BY THESE TERMS AND CONDITIONS. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS AND CONDITIONS POSTED TO THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS OR USE THE SITE.
Terms of Use
By accessing, viewing, using, or downloading materials from the Site you indicate that you have read and understand these Terms and Conditions of Use and further agree to accept all terms and conditions contained herein without limitation or qualification and to be legally bound by them. These Terms and Conditions of Use are applicable to your use of the Site regardless of how you accessed it. IF YOU DO NOT AGREE TO BE LEGALLY BOUND BY EACH TERM SPECIFIED HEREIN, YOU MUST DISCONTINUE USING AND EXIT THE SITE IMMEDIATELY. AMFI Life reserves the right, in its sole discretion, to modify or change these Terms and Conditions of Use at any time without prior notice to you. Your continued use of the Site following the posting of any changes constitutes your acceptance of the then current Terms and Conditions of Use. If at any time, you choose not to accept these Terms and Conditions of Use, you are not authorized to use the Site.
Portions of the Site may be restricted and require authorization for access. Any unauthorized use or access to these areas, including but not limited to unauthorized entry in AMFI Life’s systems, misuse of passwords, or misuse of any posted information is strictly prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user or do not consent to continued monitoring, you should not attempt to access restricted areas.
You may not use the Site to engage in any illegal activity or conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party’s intellectual property or other proprietary rights. You agree that any information you provide through the Site will be truthful and accurate.
Trademarks and Copyrights
All materials contained in the Site, including but not limited to names, phrases, logos, icons, graphics, images or designs, software, audio or visual materials, are trade names, registered or unregistered trademarks or service marks (collectively referred to as “Trademarks”) and are the property of or used with permission by AMFI Life and are protected by copyright and intellectual property laws. Nothing contained in the Site should be construed as granting, by implication, estoppels, or otherwise, any license or right to use, copy, redistribute, reproduce, republish, upload or download, any Trademark or other information found on the Site without prior written permission of AMFI Life. You are not authorized to use any portion of the Site on any other website, in the meta-tags of any other website, or in any other materials. You may not modify, publish, create derivative works, copy, distribute, or otherwise use any content of the Site.
The use of Trademarks by you, or anyone else authorized by you, except as provided herein, is strictly prohibited. You may print out a single copy of the pages on the Site for your personal, non-commercial use provided that all copyright, trademark or other notices are retained and are not modified or revised in any manner. ALL OTHER USES ARE PROHIBITED. Any unauthorized use may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
Ownership of Information
All information, other than personal data or information (including email addresses), submitted to AMFI Life via the Site, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and shall be deemed and remain the property of AMFI Life. AMFI Life shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in such information. AMFI Life shall not be subject to any obligations of confidentiality regarding submitted information except as expressly agreed by AMFI Life or as required by law. Application information submitted to AMFI Life shall be treated confidentially to the extent required by applicable law or as otherwise disclosed in the application or AMFI LIFE PRIVACY POLICY.
Software Licenses
Permission to use any software contained within the Site is granted only if you have registered to use the Site. If you are permitted to use the Site and software, AMFI Life grants you a non-exclusive, non-transferable, temporary license to use the software. The software will remain the sole and exclusive property of AMFI Life or its third party vendor. If at any time, AMFI Life’s authorization to use any software expires or terminates, your license to use the software is immediately and automatically revoked without any further action or notice to you. Under no circumstances other than for backup or archival purposes may you copy the software or any portion thereof without prior written consent. You are not authorized to download, copy, reverse engineer, decompile, or use any software or technical data from the Site in any manner other than as expressly authorized. You further acknowledge that any software which may be available or provided to you on the Site may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations.
Links to Other Mobile Applications, Websites and Use of the Internet
The Site may contain links to other mobile applications and websites for the convenience of users in locating information and services that may be of interest. If you use any linked mobile application or website, you are leaving the Site. Any linked mobile application websites are entirely independent of the Site and may not be maintained by AMFI Life. If you decide to visit any linked mobile application or website, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. AMFI Life is not responsible for the content of those mobile applications or websites and makes no warranties or representations about the content, accuracy of information, or quality of products or services offered on such mobile applications or websites. The inclusion of any linked mobile application or website does not imply approval of or endorsement by AMFI Life. Use of the Internet is solely at your own risk and subject to all applicable state, national, and international laws and regulations. While AMFI Life endeavors to apply security protocols which are necessary and appropriate to the types of electronic communications which occur through the use of the Site, the confidentiality of any communication or material transmitted to or from AMFI Life via the Site or Internet electronic mail cannot be guaranteed, including personal information such as your address or social security number. AMFI Life will not be liable for any loss resulting from a cause over which we have no direct control, including but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, natural disasters, strikes or other labor problems, wars, or governmental restrictions.
Third Party Content
The Site may display some content that we did not create and do not own. This content is the sole responsibility of the entity or person that makes it available. We assume no responsibility for the conduct of third parties, including persons or entities with which you communicate using the Site. You are entirely responsible for any content that you upload, post, email, transmit, utilize, or otherwise make available via the Site. We may remove and refuse to display content that violates these Terms and Conditions or applicable laws or regulations.
Disclaimer of Warranty
ALTHOUGH AMFI LIFE TRIES TO PROVIDE ACCURATE AND TIMELY INFORMATION, THE CONTENT OF THE SITE MAY NOT BE ACCURATE, COMPLETE, OR CURRENT AND MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. YOU SHOULD VERIFY ALL INFORMATION BEFORE RELYING ON IT AND DECISIONS BASED ON INFORMATION CONTAINED IN THE SITE ARE YOUR SOLE RESPONSIBILITY.
USE OF THE SITE IS ENTIRELY AT YOUR OWN RISK AND ALL INFORMATION, SERVICES, MATERIALS, AND OTHER ITEMS ON THE SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, AMFI LIFE, INCLUDING WITHOUT LIMITATION, ITS AFFILIATES, AGENTS, EMPLOYEES, AND THIRD PARTY CONTENT PROVIDERS, DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, AND TITLE. AMFI LIFE DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE OR ANY MATERIALS WILL MEET ANY REQUIREMENTS OR NEEDS YOU MAY HAVE, OR THAT THE SITE OR ANY MATERIALS WILL OPERATE IN AN ERROR FREE OR UNINTERRUPTED FASHION, OR THAT ANY DEFECTS OR ERRORS IN THE SITE OR MATERIALS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE SOFTWARE IS COMPATIBLE WITH ANY PARTICULAR PLATFORM. AMFI LIFE DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR RESULTS OF THE USE OF MATERIALS ON THE SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE.
Limitation of Liability
UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO, NEGLIGENCE BY ACT OR OMISSION, SHALL AMFI LIFE BE LIABLE TO YOU, OR TO ANY THIRD PARTIES, FOR ANY DAMAGES YOU OR A THIRD PARTY MAY SUSTAIN DUE TO YOUR USE OR INABILITY TO USE THE SITE OR ANY MATERIALS, EVEN IF AMFI LIFE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT AMFI LIFE ASSUMES NO RESPONSIBILITY AND SHALL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF, BROWSING, OR DOWNLOADING OF ANY MATERIALS FROM THE SITE. YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. AMFI LIFE SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, BUSINESS INTERRUPTION, LOST REVENUES OR LOST PROFITS, LOSS OF PROGRAMS OR OTHER DATA, OR OTHERWISE, WHICH MAY RESULT FROM THE USE OF, ACCESS TO, OR INABILITY TO USE THESE MATERIALS. IN NO EVENT SHALL THE TOTAL LIABILITY OF AMFI LIFE TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU FOR USE OF THE WEBSITE.
Indemnification
You agree to indemnify, defend, and hold harmless AMFI Life, its affiliates, subsidiaries, agents, directors, officers, and employees from and against any and all claims, losses, costs and expenses, including reasonable attorney fees and costs, arising out of or related in any way to your use of the Site, any breach by you of these Terms and Conditions of Use, your negligent or intentional acts, errors or omissions in regard to the subject matter herein, or violation of any law or regulation, or any proprietary or privacy right.
Governing Law and Jurisdiction
These Terms and Conditions of Use and any use of the Site are governed by the laws of the State of Florida without reference to its conflicts of laws provisions and the federal laws of the United States of America as to their interpretation, validity and effect. AMFI Life makes no representation that materials in the Site are appropriate or available for use outside the United States of America. If you access the Site from other locations, you do so on your own initiative and are responsible for compliance with all applicable local laws. You consent to the personal and exclusive jurisdiction of the state or federal courts located within the State of Florida for any disputes arising out of these Terms and Conditions or your use of the Site.
Products and Services
The insurance products referred to on the Site are underwritten by AMFI Life. Insurance product information and descriptions contained on the Site are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes. Please refer to the actual insurance policy for complete details of coverage. Products and their features listed may not be available in all states. Policy approval is not guaranteed and is subject to personal health history and specific underwriting guidelines. You may not be eligible for all products or services and AMFI Life reserves the right to determine eligibility in accordance with its underwriting guidelines and as permitted by applicable law. AMFI Life does not provide legal or tax advice. You may wish to consult independent legal, tax, or financial advice prior to the purchase of any policy. The Site should not be used or relied upon by you as a substitute for your independent research or professional advice.
AMFI Life may discontinue or make changes to the information, products, or services described in the Site at any time without prior notice to you and without any liability to you. Any dated information is published as of its date only, and AMFI Life does not have any obligation or responsibility to update or amend such information. AMFI Life reserves the right to terminate any or all mobile applications and website offerings or transmissions without prior notice. By offering the Site and information, products or services, via the Site, no solicitation is made to any person to use the Site or such information, products or services in jurisdictions where the provision of the Site and such information, products or services are prohibited.
Insurance Quotes and Coverage
Online quotes may not be available in all states or for all insurance products or coverage amounts selected. Please contact our office for additional information about any of our products or benefits.
Other Agreements
These Terms and Conditions apply to your usage of the Site. These Terms and Conditions do not alter or change any terms or provisions of any contract, policy, certificate, or other agreement between you and AMFI Life.
Consent to Electronic Notices, Transactions, Signatures and Records
AMFI Life may be required by law to provide to you certain written notices or disclosures. AMFI Life may provide you with notices by, but not limited to, email, regular mail, text message or SMS, MMS, push notification or in-app message, postings on the Site, telephone, or other reasonable means now known or hereafter developed. You consent to receive these notices by any and all of the foregoing means. By transmitting information through the Site, you consent to the use of electronic signatures on the Site, and to the receipt of electronic versions of notices, disclosures and communications required by law. Your consent is voluntary, and you may revoke your consent at any time. You are also entitled to receive a free printed copy of any record that we transmit electronically. To revoke your consent, request a printed copy of an electronic record, or to change the e-mail address in which you receive electronic notices, disclosures or communications from us, please call AMFI Life Customer Service. You also agree to be bound by any statement, affirmation, consent, or agreement you make or transmit through the Site, including but not limited to any consent you give to receive notices, disclosures or communications from AMFI Life solely through electronic transmission. You agree that we are under no obligation to confirm the identity or authority of any user of the Site. You accept the risk that the information you transmit to us and any information that we transmit to you may be intercepted by third parties. While you may withdraw your consent to receive electronic notices, disclosures or communications from us, such withdrawal shall not nullify or void any prior electronic transactions or electronic signature for which consent was provided.
