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This website is intended solely for use by authorized commercial users. The use of this website is subject to the terms and conditions below. By using this website, you agree to accept these terms and conditions as they may be modified from time to time. Please read these terms and conditions carefully.

1. Conditions of Use
By using this website, you agree to the following terms and conditions without limitation or qualification. If you do not agree with each of the following terms and conditions, you may not use this website and should exit immediately. These terms and conditions may be revised at any time, with or without notice, by Individual Assurance Company, Life Health & Accident and its subsidiaries and affiliates (collectively, "IAC Group"). You are bound by any such revisions and should therefore periodically visit this page to review the current terms and conditions to which you are bound.

2. Disclaimer
To the fullest extent permissible pursuant to applicable law, all data, text, images, video, audio, and other information and material (“Contents”) on this website are provided "AS IS" and without warranties of any kind either express or implied. IAC Group disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. IAC Group does not warrant that the functions of, or the Contents on, this website will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses, malfunctions, harmful components, or other difficulties. IAC Group does not warrant or make any representations of any kind regarding the use or the results of the use of the Contents on this website in terms of correctness, accuracy, reliability, or otherwise. The Contents on this website are not intended to provide complete descriptions of all terms, exclusions and conditions applicable to the products and services described on the website. Please refer to the actual policy or the relevant product or service agreement for a complete description of relevant terms, exclusions, and conditions.

3. Limitation of liability
IAC Group tries to provide accurate and timely information on this website. However, errors, omissions, technical malfunctions, and other difficulties may occur. In addition, IAC Group has no control of certain factors including, but not limited to, your computer and the manner in which you are connected to the Internet. Under no circumstances, including, but not limited to, negligence, shall IAC Group or any party involved in the creation or operation of this website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, this website, even if IAC Group or an IAC Group authorized representative has been advised of the possibility of such damages. IAC Group also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may harm or otherwise interfere with your computer equipment or other property as a result of your access to, or use of, this website or your downloading of any Contents from this website. To the extent that some jurisdictions do not allow the limitation or exclusion of liability as provided in any section of these Terms of Use, IAC Group’s liability shall be limited to the greatest extent permitted by applicable law in such jurisdiction(s).

4. Links to Other Sites
This website may be linked to other websites that are not maintained by IAC Group (“Third Party Sites”). IAC Group makes no representations whatsoever about any Third Party Sites. Links to Third Party Sites are provided for your convenience only. IAC Group is not responsible for the information, functionality, content or any other aspect of Third Party Sites. The inclusion of any link to Third Party Sites from this website does not imply approval of or endorsement by IAC Group of the Third Party Sites.

5. Copyrights and Use of Materials
All Contents on this website are either the property of, or used with permission by, IAC Group and are protected by United States and international copyright laws. Except as otherwise expressly permitted by IAC Group in writing, the Contents on this website (or any other website owned, operated, licensed or controlled by IAC Group) may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way.

6. Trademarks and other Intellectual Property
Unless otherwise noted, all trademarks, services marks, trade names, logos, and icons on this website are owned by IAC Group. Nothing contained on this website should be construed as granting by implication, estoppel, or otherwise, any license or right to use any trademark, service mark, trade name, logo or icon displayed on this website without the written permission of IAC Group. The use of the Contents of this website including trademarks, service marks, trade names, logos and icons, except as provided herein, is strictly prohibited unless specifically permitted by IAC Group. Any unauthorized use of the Contents of this website may violate copyright laws, trademark laws, the laws of privacy and publicity, and other regulations and statutes.

7. Jurisdictional Issues
This website is intended solely for use by authorized users located within the fifty United States, its territories and the District of Columbia. IAC Group makes no representation that the Contents of this website or the products and services offered through this website are appropriate or available for use in all locations. The Contents of this website and the products and services offered through this website are not intended for use (i) outside of the fifty United States, its territories and the District of Columbia, or (ii) by any person or entity in any jurisdiction where the publication or availability of this website and its Contents, including products and services offered, are unavailable or otherwise not permitted by local laws or regulations. Users of this website are responsible for compliance with all local laws and regulations. Except as expressly set forth herein, the Contents on this website do not constitute an offer to sell or a solicitation to buy any security, insurance product or other product or service by IAC Group. No security, insurance product or other product or service is offered or will be sold by IAC Group or, if sold by IAC Group, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

8. Confidentiality and Ownership of Information
Any information, other than personally identifiable information, you transmit to IAC Group via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of IAC Group. Such information, other than personally identifiable information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. IAC Group is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to IAC Group via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. With respect to personally identifiable information, IAC Group will protect that information in accordance with IAC Group’s Internet Privacy Policy. There are certain risks associated with the transmission of any information through the Internet that IAC Group cannot control. Your use of this website and transmission of information over the Internet is at your own risk. IAC Group does not accept any responsibility for such use and transmission and expressly disclaims any and all liability for any damage or injury that may result from such use or transmission.

9. Software Licenses and Export Controls
You acknowledge that any software which may be available or provided to you on this website 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. IAC Group does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations.

10. Age and Residency Restrictions
This website is intended for use by authorized users who are legal residents of the United States, its territories and the District of Columbia who are 18 years of age or older. If you are under age 18, or are not a legal resident of the United States, its territories, or the District of Columbia, you may not use this website.

11. Objectionable Activities
When accessing or making use of this website, you may not (i) log onto using a username or password that you are not authorized to use; (ii) post or transmit any materials that are unlawful, threatening, harassing, profane, abusive, libelous, defamatory, obscene, pornographic, or otherwise objectionable, including without limitation, any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any local, national or international law; (iii) post or transmit software, information or other material that contains a virus, worm, Trojan horse, interceptor, or other harmful component; (i) post, publish, or reproduce any pages or other material from this website other than expressly permitted by IAC Group; or (v) download, upload, transmit, or distribute any information, software or other materials from this website that is protected by copyright, trademark or service mark, or trade name, except as expressly permitted by IAC Group.

12. Violations of Terms of Use
IAC Group reserves the right to terminate your access to this website and to seek all remedies available at law and in equity for violations of these Terms of Use. You agree to indemnify and hold harmless IAC Group from and against any third party claims, demands, losses, liability, damages, or expenses (including but not limited to reasonable attorneys' fees) arising out of or in connection with your violation of these Terms of Use.

13. Governing Law
These Terms of Use shall be construed in accordance with the laws of the state of Oklahoma without regard to its conflict of law provisions. Any disputes arising from your use of this website, the Contents of this website, these Terms of Use or IAC Group’s Internet Privacy Policy shall be governed by the laws of the State of Oklahoma By accessing this website, you agree to personal jurisdiction in the federal and state courts of the State of Oklahoma.

14. Severability
If any provision of these Terms of Use is held to be invalid or unenforceable, such invalidity or unenforceability shall not affect any other provision of these Terms of Use.