Monday thru Friday . 8:00 AM - 8:00 PM EST
Monday thru Friday . 8:00 AM - 8:00 PM EST
Monday thru Friday . 8:00 AM - 8:00 PM EST
Effective Date: September 16, 2015
It is important to us that you, and our other visitors, have a special experience while using the Services and that when you use the Services you are fully aware of your respective legal rights and obligations. For that reason, we have created these Terms as the legally binding terms to govern your use of the Services. Please read these Terms carefully before using the Services, because they affect your legal rights and obligations (e.g., requiring arbitration and no class relief and limiting our liability).
Each time you access and/or use the Services, you agree to be bound by these Terms and any additional terms that will apply to you.
These Terms and additional terms posted on this Site at each time of use apply to that use, prospectively. You agree that we may provide notice to you of updated terms by posting them on the Site.
You represent that you have the legal capacity to enter into the agreement set out in these Terms.
Information on the Site is not intended to constitute an offer to sell or a solicitation of any particular product or service.
The information you submit to the Services must be correct. We can refuse access to the Services if we learn that information you have provided is inaccurate.
We disclaim warranties and provide the Services “As Is.”
Our liability is limited.
Any disputes under these Terms will be resolved on an individual basis through binding arbitration, with no class relief.
These Services are protected by copyrights, patents, trade secrets, or other proprietary rights.
We only grant you a limited revocable license to use the Services for your own non-commercial use subject to rules and limitations.
Aflac is not responsible for information you post on the Site.
We do not accept unsolicited ideas through your submissions and will not pay for them.
From time to time, we may invite you to submit content to the Services. We will not pay for invited submissions.
Aflac will consider anything you provide to us as free of any obligations to you.
If you believe that any content appearing on the Site infringes on your copyrights or any other intellectual property rights, we want to hear from you. Please visit http://copyright.gov/onlinesp/agents/a/aflac_inc.pdf for more information about how to contact our copyright agent.
We do not warrant that product specifications, pricing, or other content on the Services are error-free. In the event of any errors relating to the pricing or specifications, Aflac reserves the right to cancel orders.
The risk of loss shifts to you once we deliver any items you purchase to the carrier.
You will indemnify and hold Aflac harmless for material you post.
You may not abuse the system.
Your usernames and passwords for the Site are for your use only and you are responsible for their security.
Aflac reserves the right to investigate suspected violations of these Terms.
In order to use the Site, you must obtain access to the World Wide Web and pay any related fees to access the Internet. We are not responsible for your access to the Site.
Aflac may modify or discontinue the Services at any time.
Aflac makes no representation that the Services are available for use outside of the United States.
We are not responsible for third-parties or their content, advertisements, apps, or sites.
Any area of this Site that is accessed through any proprietary online service is subject to the rules, policies and guidelines of such service.
The Services are designed to provide information regarding products in the United States.
Georgia law will apply to these Terms.
California users of the Services are entitled to a consumer rights notice.
Aflac owns and operates the Services. You can contact us at email@example.com.
Pursuant to state insurance laws, the following is disclosed:
If any portion of this agreement is deemed unenforceable, the remaining provisions will survive.
Please note that these Terms may be revised and reissued, prospectively, by posting updated terms on the Site. You consent and agree to receive notices of updates of these Terms through our posting of updated Terms on the Site. You should visit this page regularly to review the current terms. Your continued use of the Services will be deemed as irrevocable acceptance of any revisions.
This is a general audience site for adults. We will assume (and by using the Services you warrant that) you have legal capacity to enter into the agreement set out in these Terms (i.e., that you are of sufficient age and mental capacity and are otherwise entitled to be legally bound in contract).
The Site is designed to provide general information about Aflac, its products and services, and its related companies. Information on the Site is not intended to constitute an offer to sell or a solicitation of any particular product or service. Any insurance product described on the Site may have exclusions, limitations, reductions in benefits and terms under which it may be continued in force or discontinued. For more information, please consult your agent and your policy or contract. Some products and/or services may not be available in all states or countries.
To access the Services or some of the resources it has to offer, you may be asked to provide registration and/or account details. It is a condition of use of the Services that all the details you provide be correct, current and complete. If we at Aflac believe the details are not correct, current, or complete, we have the right to refuse you access to the Services, or any of its resources and to terminate or suspend your account.
Your privacy is important to us. To better protect your privacy, we provide a notice explaining our online information practices and the choices you can make about the way your information is collected and used by the Services. Click here to view our Privacy Notice, which forms part of these Terms.
YOUR USE OF THE SERVICES IS AT YOUR OWN RISK. THE SERVICES AND ALL THE MATERIALS, INFORMATION, SOFTWARE, FACILITIES, SERVICES AND OTHER CONTENT IN THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE SERVICES AND AFLAC, DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. AFLAC DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SERVICES WILL BE AVAILABLE, UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVERS THAT MAKE THE SITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. AFLAC DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIAL, INFORMATION, SOFTWARE, FACILITIES, SERVICES, OR OTHER CONTENT ON THE SITE OR ANY WEBSITES LINKED TO THE SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. AFLAC MAKES NO WARRANTIES THAT YOUR USE OF THE MATERIALS, INFORMATION, SOFTWARE, FACILITIES, SERVICES, OR OTHER CONTENT OF THE SERVICES OR ANY WEBSITE WILL NOT INFRINGE THE RIGHTS OF OTHERS AND AFLAC ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH MATERIALS, INFORMATION, SOFTWARE, FACILITIES, SERVICES, OR OTHER CONTENT OF THE SERVICES OR ANY OTHER WEBSITE. IF APPLICABLE LAW DOES NOT ALLOW THE EXCLUSION OF SOME OR ALL OF THE ABOVE IMPLIED WARRANTIES TO APPLY TO YOU, THE ABOVE EXCLUSIONS WILL APPLY TO YOU ONLY TO THE EXTENT PERMITTED BY APPLICABLE LAW.
AFLAC DISCLAIMS ALL LIABILITY, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, AND DOES NOT ACCEPT ANY LIABILITY FOR ANY LOSS OR DAMAGE (DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, INCIDENTAL, SPECIAL, EXEMPLARY, OR OTHERWISE) RESULTING FROM ANY USE OF, OR INABILITY TO USE, THE SERVICES OR ANY OTHER WEBSITE, OR THE MATERIAL, INFORMATION, SOFTWARE, FACILITIES, SERVICES, OR OTHER CONTENT OF THE SERVICES OR ANY OTHER WEBSITE, REGARDLESS OF THE BASIS UPON WHICH LIABILITY IS CLAIMED AND EVEN IF AFLAC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE. WITHOUT LIMITATION, YOU (AND NOT AFLAC) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION IN THE EVENT OF ANY SUCH LOSS OR DAMAGE ARISING THEREIN. IF APPLICABLE LAW DOES NOT ALLOW ALL OR ANY PART OF THE ABOVE LIMITATION OF LIABILITY TO APPLY TO YOU, THE LIMITATIONS WILL APPLY TO YOU ONLY TO THE EXTENT PERMITTED BY APPLICABLE LAW.
The Services, software and materials incorporated by Aflac for the Services (“Material”) are protected by copyrights, patents, trade secrets, license agreements or other proprietary rights (“Copyrights”). Some of the characters, logos, or other images incorporated by Aflac for the Services are also protected as registered or unregistered trademarks, trade names, and/or service marks owned by Aflac or others (“Trademarks”). Aflac respects the intellectual property rights of others and asks users of the Services to do the same.
Your right to make use of the Services and any Material or other content appearing on it is subject to your compliance with these Terms. Modification or use of the Material or any other content of Services for any purpose not permitted by these Terms may be a violation of the Copyrights and/or Trademarks protected by law and these Terms and is prohibited.
You may access and display Material and all other content displayed on this Site for non-commercial, private and personal use only. The Material and all other content of the Services may not otherwise be copied, modified, reproduced, republished, uploaded, posted, transmitted, distributed, displayed, licensed or used in any way unless specifically authorized by Aflac. Any authorization to copy Material granted by Aflac in any part of the Services for any reason is restricted to making a single copy for non-commercial, personal use only, and is subject to your keeping intact all copyright and other proprietary notices. Using any Material on any other website or networked computer environment is prohibited. Also, decompiling, reverse engineering, disassembling, or otherwise reducing the code used in any software of the Services into a readable form in order to examine the construction of such software and/or to copy or create other products based (in whole or in part) on such software, is prohibited.
THE MATERIALS, INFORMATION AND OPINIONS INCLUDED AND/OR EXPRESSED IN OR ON BULLETIN BOARDS, COMMENT SECTIONS, COMMUNITY PAGES OR OTHER FORUMS ON THE SITE (“FORUMS”) ARE NOT NECESSARILY THOSE OF AFLAC OR CONTENT PROVIDERS. AFLAC DOES NOT UNDERTAKE TO MONITOR OR REVIEW FORUMS, AND THE CONTENT OF FORUMS IS NOT THE RESPONSIBILITY OF AFLAC. AFLAC MAY REMOVE OR MODIFY ANY CONTENT WITHOUT NOTICE OR LIABILITY AT ANY TIME IN AFLAC’S SOLE DISCRETION. ANY USE OF THE FORUMS WILL BE AT YOUR OWN RISK AND WILL BE SUBJECT TO THE DISCLAIMERS AND LIMITATIONS ON LIABILITY SET OUT ABOVE.
Aflac is interested in hearing from you regarding your questions or comments about our Services. However, Aflac does not accept or consider unsolicited submissions of any kind (e.g., ideas, treatments, concepts, or any other materials) in any format, by any means of transmission (including email). Therefore, please do not send any unsolicited submissions to Aflac.
From time to time, Aflac may expressly request submissions of content from you, such as testimonials regarding your experiences with Aflac (“Invited Submissions”). Where this is the case, please carefully read any specific rules or other terms and conditions which appear elsewhere on this Site to govern those submissions (“Additional Terms”), as they will affect your legal rights. If no Additional Terms govern those submissions, then these Terms will apply in full to any Invited Submissions you make. IN ANY EVENT, ANY MATERIAL YOU SEND TO US WILL NOT BE TREATED AS CONFIDENTIAL. Regardless of any industry custom or practice, we will not pay you for the use of any content that you submit to the Services.
Aflac will consider anything you provide to Aflac and/or contribute to the Services as available for our use free of any obligations to you (including any payment), except where Invited Submissions are expressly governed by Additional Terms appearing elsewhere on this Site (see Invited Submissions above), in which event those Additional Terms will determine how we will treat your Invited Submissions. Under no circumstances will we pay you for the use of your ideas or submissions.
If you believe that any content appearing on this Site infringes your copyright rights, we at Aflac want to hear from you. Please access http://copyright.gov/onlinesp/agents/a/aflac_inc.pdf for more information and forward the following in writing to the Copyright Agent:
Aflac seeks to preserve any and all exemptions from liability that may be available under the copyright law, but does not necessarily stipulate that it is a service provider as defined in USC section 512(c) or elsewhere.
We do our best to describe every product or service offered through the services as accurately as possible. However, we are human, and therefore we do not warrant that product specifications, pricing, or other content of the Services is complete, accurate, reliable, current, or error-free. In the event of any errors relating to the pricing or specifications, Aflac shall have the right to refuse or cancel any orders in its sole discretion. If we charged your credit card or other account prior to cancellation, we will issue a credit to your account in the amount of the charge. Additional Terms may apply.
Aflac is or may be the seller of various goods and services through the Services. All items purchased from the Services are made pursuant to a shipment contract. This means that the risk of loss and title for such items pass to you upon delivery to the carrier.
You agree to defend, indemnify and hold harmless Aflac, its affiliates and subsidiaries, and its officers, directors, employees, principals, agents, distributors, representatives, proprietors, partners, shareholders, principals, predecessors, successors and assigns from and against any and all claims, demands, liabilities, costs or expenses, including reasonable attorney's fees, resulting from your breach of these Terms, including any of the foregoing provisions, representations or warranties, from your placement or transmission of any content onto Aflac's servers and/or from any and all use of the Services or your account.
Without limitation, you agree not to send, create, or reply to so called “mailbombs” (i.e., emailing copies of a single message to many users, or sending large or multiple files or messages to a single user with malicious intent) or engage in “spamming” (i.e., unsolicited emailing for business or other purposes) or undertake any other activity which may adversely affect the operation or enjoyment of the Services by any other person. You are prohibited from using any services or facilities provided in connection with the Services to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools, malware, or network probing tools) is strictly prohibited. If you become involved in any violation of system security, Aflac reserves the right to release your details to system administrators at other sites, law enforcement and/or governmental authorities in order to assist them in resolving security incidents.
You may not reproduce, sell, resell, or otherwise exploit any resource, or access to any resource, contained on the Services. In addition, you are prohibited from removing any material inserted by Aflac anywhere on the Site (e.g., on any web space made available for your use).
Any usernames and passwords used for the Services are for individual use only. You shall be responsible for maintaining the security and confidentiality of your username and password (if any). Aflac shall be entitled to monitor your username and password and, at its discretion, require you to change it. If you use a username and password that Aflac considers insecure, Aflac will be entitled to require this to be changed and/or terminate your account.
Aflac reserves the right to investigate suspected violations of these Terms. Aflac may seek to gather information from the user who is suspected of violating these Terms and from any other user. If Aflac believes, in its sole discretion, that a violation of these Terms has occurred, it may terminate accounts, or take other corrective action it deems appropriate. Aflac will fully cooperate with any law enforcement authorities or court order requesting or directing Aflac to disclose the identity of anyone believed to violate these Terms. BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS AFLAC FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY AFLAC DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUNCE OF INVESTIGATIONS BY AFLAC OR LAW ENFORCEMENT AUTHORITIES.
In order to use the Site, you must obtain access to the World Wide Web and possibly pay any service fee associated with that access. You will need to provide all equipment necessary to connect to the Site on the World Wide Web (including a computer, modem, mobile device, tablet, and/or other access devices).
Aflac reserves the right to modify or discontinue, temporarily or permanently, all or any part of the Services and/or any software, facilities, and services on the Site, with or without notice and/or to establish general guidelines and limitations on their use.
Aflac makes no representation that Materials or other content on the Services are appropriate or available for use outside the United States, its territories, possessions, and protectorates. If you choose to access the Site from other locations, you do so on your own initiative and at your own risk.
You are responsible for complying with local laws, if and to the extent local laws are applicable. You specifically agree to comply with all applicable laws concerning the transmission of technical data exported from the United States or the country you reside in.
This Site may link you to other sites on the Internet. These sites may contain information or material that some people may find inappropriate or offensive. These other sites are not under the control of Aflac, and you acknowledge that (whether or not such sites are affiliated in any way with Aflac) Aflac is not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such sites. The inclusion of such a link does not imply endorsement of any site by Aflac or any association with its operators.
Any area of the Site that is accessed through any proprietary online service is subject to the rules, policies and guidelines of such proprietary online service.
The Materials and all other content of the Services are presented for the purpose of providing information regarding insurance products or services available in the United States and certain U.S. territories.
With the exception of Section 9 which will be construed in accordance with the FAA and Georgia law, these Terms shall be governed by, construed and enforced in accordance with the laws of the State of Georgia, as they are applied to agreements entered into and to be performed entirely within Georgia. Except where prohibited by law, any claim or dispute that does not fall under Section 9, i.e., disputes pertaining to Aflac’s intellectual property rights and certain statutory claims that, pursuant to law, are not arbitrable, shall be subject to the sole and exclusive jurisdiction of the federal and state courts in Muscogee County, Georgia, and you hereby consent to the personal jurisdiction of those courts and waive any and all jurisdictional and venue defenses otherwise available.
Under California Civil Code Section 1789.3, California users of the Services are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 400 R Street, Suite 1080, Sacramento, California 95814, or by telephone at 916.445.1254 or 800.952.5210.
The Services are controlled and operated by Aflac located at 1932 Wynnton Road, Columbus, GA 31999. Please forward any comments or complaints about the Services to firstname.lastname@example.org or you may contact us by phone at 800.992.3522.
The following information is disclosed pursuant to various state insurance laws, including but not limited to those in California, Massachusetts and Missouri.
|Insurance Company||NAIC Identification Number||Principal Address||List of Jurisdictions Authorized to do Business||State of Domicile|
|American Family Life Assurance Company of Columbus||60380||1932 Wynnton Road
|Licensed in all U.S. states, except NY; also licensed in American Samoa, District of Columbia, Guam, Puerto Rico, and the U.S. Virgin Islands||Nebraska|
|American Family Life Assurance Company of New York||60526||22 Corporate Woods Boulevard, Suite 2
New York, NY
|Licensed in Connecticut, Massachusetts, New Jersey, New York, North Dakota, and Vermont||New York|
|Continental American Insurance Company||71730||Post Office Box 84075
|Licensed in all U.S. states, except NY; also licensed in the District of Columbia||South Carolina|
If any provision of these Terms is adjudged, by written decision, to 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. This is the entire agreement between you and Aflac relating to the matters contained here and the Services.
* Continental American Insurance Company (CAIC), a proud member of the Aflac group of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. For groups sitused in California, coverage is underwritten by CAIC. For groups sitused in New York, coverage is underwritten by American Family Life Assurance Company of New York.