The material provided on the LIFESCOVERAGE website, including the information and any images incorporated in the
site, is for your personal private non-commercial use only. You may not
modify, republish, post or transmit anything you obtain from this website,
including anything you download from the site, unless you first obtain our
consent.
You agree not to engage in systematic retrieval of data or other content
from LIFESCOVERAGE We request that you not create any kind of hyperlink from any other
site to ours unless you first obtain our permission.
Due to possible linguistic differences, advertising statements in Spanish
may not necessarily reflect the content of the policy written in English. In
the event of a dispute concerning policy terms, the policy written in
English will apply.
You must read the next two sections carefully.
LIMITATION OF LIABILITY
LIFESCOVERAGE WILL NOT
BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM
YOUR USE OF ITS SITES. THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR
INJURY CAUSED BY ANY:
(1) USE OF (OR INABILITY TO USE) THE SITES;
(2) USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM ITS
WEBSITES;
(3) FAILURE OF PERFORMANCE;
(4) ERROR; (5) OMISSION;
(6) INTERRUPTION;
(7) DEFECT;
(8) DELAY IN OPERATION OR TRANSMISSION;
(9) COMPUTER VIRUS; OR
(10) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL
DAMAGES, WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A
LOSS OR INJURY, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY,
OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS
OR INJURY. FURTHERMORE, EXCEPT AS PROVIDED BELOW, WE ARE NOT LIABLE EVEN IF
WE HAVE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED
OF THE POSSIBILITY OF SUCH DAMAGES—OR BOTH.
HOWEVER, IN CERTAIN STATES WHERE THE LAW MAY NOT ALLOW US TO LIMIT OR
EXCLUDE LIABILITY FOR THESE INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE
LIMITATION MAY NOT APPLY AND YOU MAY HAVE THE RIGHT TO RECOVER THESE TYPES
OF DAMAGES. IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES,
INJURIES AND CLAIMS OF ANY KIND, WHETHER THE DAMAGES ARE CLAIMED UNDER THE
TERMS OF A CONTRACT, OR THEY ARE CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER
WRONGFUL CONDUCT OR ANY OTHER LEGAL THEORY, WILL NOT BE GREATER THAN THE
AMOUNT YOU HAVE PAID TO ACCESS OUR SITES.
DISCLAIMER
THE MATERIAL ON OUR SITES IS PROVIDED AS IS. THIS MEANS THAT LIFESCOVERAGE.COM DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THE
SITES. THIS INCLUDES, BUT IT IS NOT LIMITED TO, WARRANTIES THAT: (1) THE
MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR
PURPOSE; (2) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE
UNINTERRUPTED OR ERROR-FREE; (3) THAT DEFECTS WILL BE CORRECTED; (4) THAT
OUR SITES OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF COMPUTER
VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (4) THAT INFORMATION
CONTAINED IN THE SITES IS ACCURATE AS OF ANY PARTICULAR DATE.
We sometimes provide access to other World Wide Websites from our sites or
you may have reached our site from another site. However, we do not endorse
or approve any products or information offered to you at sites you may reach
from our sites or from which you may have reached our site. The Uniform
Resource Locator (URL) address in your web browser will tell you if you are
still in the LIFESCOVERAGE site or have moved elsewhere.
By providing material on our website LIFESCOVERAGE does not in any way promise that the materials will remain available
to you or that you will qualify for the products we offer. LIFESCOVERAGE is entitled to terminate all or part of any of its Websites at any
time, without notice to you.
When you select a password and sign-up to access LIFESCOVERAGE is online policyholder services, you agree to the following
conditions:
-
LIFESCOVERAGE is
authorized to act on instructions received under your password without any
requirement to question those instructions;
-
LIFESCOVERAGE is not
liable for any unauthorized access to your personal information that is
not directly due to the negligence of LIFESCOVERAGE.com;
-
Your password contains sensitive information and you will keep it
confidential and secret;
-
You will notify LIFESCOVERAGE immediately if you believe anyone else has learned your password or
if you believe unauthorized access to LIFESCOVERAGE or your personal information has occurred or may occur;
-
LIFESCOVERAGE may deny
access or block any transaction made under your password without prior
notice if we believe your password is being used by someone other than
you, or if any unauthorized access to your personal information has
occurred or may occur, or for any other reason, but we are under no
obligation to do so.
-
Violating the Terms and Conditions of Website Use may lead to a
revocation of LIFESCOVERAGE website access privileges.
DIGITAL ASSISTANT
LIFESCOVERAGE Digital
Assistant is intended for informational purposes only. Any information
provided is not intended as insurance advice and should not be interpreted
as such. Any insurance decision, including coverage amounts, limits, and
deductibles, is solely and ultimately the responsibility of the insured,
and LIFESCOVERAGE not liable for any information that is inaccurate, missing, or
misinterpreted. The material contained within the Digital Assistant is
subject to change at any time, and LIFESCOVERAGE makes no guarantee about the quality or accuracy of said content.
PRIVACY
All information collected from users of our sites is subject to our Privacy
Policy, which is incorporated by reference into this agreement. For more
information, see our Privacy Policy.
JURISDICTION
By using the LIFESCOVERAGE website, you agree to these Terms and Conditions of Website Use.
MISCELLANEOUS
These Terms and Conditions of Website Use, and the agreement they create,
shall be governed by and interpreted according to the laws of the State of
Maryland, without giving effect to Maryland’s conflict of laws
principles.
If any provision of this agreement is unlawful, void or unenforceable, it
shall not affect the validity and enforceability of any remaining
provisions.
LIFESCOVERAGE may modify
these Terms and Conditions of Website Use, and the agreement they create, at
any time, simply by updating this posting or the information on its website
and without notice to you.
Government Employees Insurance Company and its affiliates LIFESCOVERAGE General Insurance Company, LIFESCOVERAGE Indemnity Company, LIFESCOVERAGE Casualty Company, LIFESCOVERAGE Advantage Insurance Company, LIFESCOVERAGE Choice Insurance Company, LIFESCOVERAGE Secure Insurance Company, Colonial County Mutual Insurance Company
(non-affiliated) and LIFESCOVERAGE County Mutual Insurance Company insure private passenger automobiles
and other vehicles, and through LIFESCOVERAGE Insurance Agency, Inc. provide homeowner and other types of
insurance, all for qualified applicants. The companies market collectively
under the trade name LIFESCOVERAGE.com.
ARBITRATION AGREEMENT
Any dispute or claim relating in any way to your use of this website,
including any related calls texts or other communications, will be resolved
by binding arbitration, rather than in court, except that you may assert
claims in small claims court if your claims qualify. This includes claims
against our clients, vendors, and Marketing Partners, which are third-party
beneficiaries, of the arbitration agreement. The Federal Arbitration Act and
Federal Arbitration law apply to this agreement.
There is no judge or jury in arbitration, and court review of an
arbitration award is limited. However, an arbitrator can award on an
individual basis the same damages and relief as a court (including
injunctive and declaratory relief or statutory damages), and must follow the
terms of these terms as a court would.
The arbitration may be conducted by the American Arbitration Association
(AAA) under its rules, including the AAA’s Supplementary Procedures for
Consumer-Related Disputes. The AAA’s rules are available at www.adr.org or by calling 1-800-778-7879. You may choose to have the arbitration
conducted by telephone, based on written submissions, or in person in the
county where you live or at another mutually agreed location.
We each agree that any dispute resolution proceedings will be conducted
only on an individual basis and not in a class, consolidated or
representative action. If for any reason a claim proceeds in court rather
than in arbitration we each waive any right to a jury trial. We also both
agree that you or we may bring suit in court to enjoin infringement or other
misuse of intellectual property rights.
In the rate quote application, photos are of models; testimonials are from
actual LIFESCOVERAGE policy holders.