Terms and Conditions of Use
A. GENERAL INTRODUCTION AND AGREEMENT. Sterling Investors Life Insurance Company (“SILIC”) owns this website. By accessing, viewing, or using the systems, services or materials on any part of this website, you affirm that you understand and acknowledge these Terms and Conditions of Use, and you further agree to accept such Terms and Conditions of Use and to be legally bound by them. If you are helping another person use this website, these Terms and Conditions of Use constitute a legally binding agreement between both the helper and the person being helped and SILIC. Any terms such as “we” or “our” and “Company” refer to Sterling Investors Life Insurance Company or SILIC. We may change these Terms and Conditions of Use at any time. By continuing to use this website, you consent to any changes to our Terms and Conditions of Use.
If you enter into any other agreement with SILIC, for example regarding life insurance, then these Terms and Conditions of Use are in addition to the terms of such other agreement. Neither entering into this agreement, nor visiting this website, nor any of these Terms and Conditions of Use, guarantees that you are eligible to receive coverage from us for any plan offered through this website or otherwise.
B. AVAILABILITY AND USE OF WEBSITE CONTENT. The information and content (collectively, “Content”) on this website is for your general educational information only. The Content on this website should not be considered medical advice. The Content offers descriptions and/or general information on the products SILIC sells and is intended as only general information and may not contain complete descriptions of all applicable terms, exclusions and conditions. Product availability varies by state.
C. LICENSE TO USE WEBSITE CONTENT. SILIC grants to you a non-exclusive, non-transferable, temporary license to use the Content other than the Software (“Software” means any computer software accessible to you on this website). SILIC may revoke your license to use any Content (including Software) at any time if you fail to comply with these Terms and Conditions of Use, or for any other reason within SILIC’s sole and exclusive discretion. In no event shall the Content be used in any manner, which SILIC, in its sole and exclusive discretion, deems to directly or indirectly compete with SILIC or which is contrary to SILIC’s best interests.
All rights, title and interest in and to the website, including the Content, and all intellectual property rights, including all copyright, trademark, patent and trade secret rights therein shall remain with SILIC and our licensors and vendors, and no ownership interest is transferred to you or to any other entity by virtue of making the Content available on the website, granting the foregoing licenses or entering into this Agreement.
D. LICENSE TO USE SOFTWARE. SILIC grants to you permission to use the Software, as defined above, but only if you have registered to use the applicable sections of this website containing Software. If you are permitted to use the Software, SILIC grants to you a non-exclusive, non-transferable, temporary license to use the Software. The Software is the sole and exclusive property of SILIC, or SILIC’s third party vendor, as identified by the Software. If SILIC’s authorization to use third party Software expires or terminates, your license to use the Software is immediately and automatically revoked. You agree to use the Software exclusively in conjunction with the marketing of SILIC’s products and in accordance with procedures established by SILIC. Under no circumstances may you copy the Software or any portion thereof without SILIC’s prior written consent. You are not otherwise authorized to copy, reverse engineer, decompile, or use the Software in any manner other than as expressly authorized in these Terms and Conditions of Use.
E. LINKS TO OTHER WEB SITES The website may provide links to other websites that may be useful or interesting to you. You acknowledge that these third-party sites are maintained by persons or organizations, which SILIC does not control, and that SILIC expressly disclaims, any responsibility for the content, the accuracy of the information and/or quality of products or services provided by or advertised on these third-party sites. SILIC does not control, endorse, promote, or have any affiliation with any other website unless expressly stated in this website. You are solely responsible for your dealings with such third parties and we encourage you to read the terms of use on such third-party websites.
F. USE OF THE INTERNET. Use of the Internet is solely at your own risk and is subject to all applicable state, national and international laws and regulations. While SILIC attempts to apply security protocols which are necessary and appropriate to the types of electronic communications which occur through use of this website, the confidentiality of any communication or material transmitted to or from SILIC through this website, other websites or Internet electronic mail cannot be guaranteed, including personal information such as your address or social security number. SILIC 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.
G. RESTRICTIONS ON USE OF WEBSITE. You agree:
Not to use this website or Content in any way not explicitly permitted by these Terms and Conditions of Use or the text of the website itself;
Not to copy, modify or create derivative works involving the Content, except you may print a reasonable number of copies for your personal use;
Not to misrepresent your identity or provide us with any false information in any information-collection portion of this website, such as a registration or enrollment application page;
Not to take any action intended to interfere with the operation of this website;
Not to access or attempt to access any portion of this website to which you have not been explicitly granted access;
Not to share any password assigned to you with any third parties or use any password granted to a third party;
Not to directly or indirectly authorize anyone else to take actions prohibited in this section; and
To comply with all applicable laws and regulations while using this website or the Content. You represent and warrant that you are at least 18 years of age.
H. NO WARRANTIES. ALL CONTENT ON THIS WEBSITE IS PROVIDED TO YOU ON AN “AS IS”, “AS AVAILABLE” BASIS. THE COMPANY, ALL THIRD PARTIES, IF ANY, PROVIDING CONTENT FOR THIS WEBSITE, AND ALL THIRD PARTIES PROVIDING SUPPORT OR INFORMATION FOR THIS WEBSITE (COLLECTIVELY, “WEBSITE-RELATED-PARTIES”) HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
THE WEBSITE-RELATED-PARTIES MAKE NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF ANY CONTENT AVAILABLE THROUGH THIS WEBSITE. WITHOUT LIMITING THE FOREGOING, THE WEBSITE-RELATED-PARTIES SPECIFICALLY DO NOT REPRESENT OR WARRANT THAT ANY INFORMATION REGARDING PARTICULAR PLAN BENEFITS OR SCOPE OF COVERAGE IS ACCURATE OR COMPLETE. THE WEBSITE-RELATED-PARTIES MAKE NO REPRESENTATIONS OR WARRANTIES THAT USE OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR TAKING ALL PRECAUTIONS NECESSARY TO ENSURE THAT ANY CONTENT YOU MAY OBTAIN FROM THIS WEBSITE IS FREE OF VIRUSES AND ANY OTHER POTENTIALLY DESTRUCTIVE COMPUTER CODE.
I. LIMITATION OF LIABILITY. YOU AGREE THAT NONE OF THE WEBSITE-RELATED-PARTIES SHALL BE LIABLE FOR ANY DAMAGE RESULTING FROM YOUR USE OR INABILITY TO USE THIS WEBSITE OR THE CONTENT. THIS PROTECTION COVERS CLAIMS BASED ON WARRANTY, CONTRACT, TORT, STRICT LIABILITY, AND ANY OTHER LEGAL THEORY. THIS PROTECTION COVERS THE WEBSITE-RELATED-PARTIES, INCLUDING ALL AFFILIATES, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS. THIS PROTECTION COVERS ALL LOSSES INCLUDING, WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, AND PUNITIVE DAMAGES, PERSONAL INJURY/WRONGFUL DEATH, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION. THE TOTAL, CUMULATIVE, LIABILITY OF THE WEBSITE-RELATED-PARTIES, INCLUDING ALL AFFILIATES, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, IF ANY, FOR LOSSES OR DAMAGES SHALL BE LIMITED TO THE AMOUNT OF YOUR ACTUAL DAMAGES, NOT TO EXCEED U.S. $100.00. THE LIMIT OF LIABILITY MAY NOT BE EFFECTIVE IN SOME STATES. IN NO EVENT SHALL THE WEBSITE-RELATED-PARTIES, INCLUDING ALL AFFILIATES, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, BE LIABLE TO YOU FOR ANY LOSSES OR DAMAGES OTHER THAN THE AMOUNT DESCRIBED ABOVE. ALL OTHER DAMAGES, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE, RESULTING FROM ANY USE OF THE WEBSITE OR CONTENT ARE EXCLUDED EVEN IF THE WEBSITE-RELATED-PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU AGREE THAT YOU USE THIS SITE AT YOUR OWN RISK. IF YOU ARE DISSATISFIED WITH THIS WEBSITE OR THE CONTENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE.
Some states do not allow limitations on implied warranties, so one or more of the above limitations may not apply to you.
J. INDEMNIFICATION AND INJUNCTION. You agree to defend, indemnify, and hold harmless SILIC, its affiliates and subsidiaries, and all of their respective directors, officers, employees, representatives, proprietors, partners, shareholders, servants, principals, agents, predecessors, successors, assigns, and attorneys from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including attorney’s fees and litigation expenses) relating to or arising from your use of this website, 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 of this Agreement, or your failure to comply with applicable laws.
K. GOVERNING LAW, JURISDICTION AND LIMITATION OF ACTIONS. The laws of the State of Indiana govern these Terms and Conditions of Use and any cause of action arising under or relating to your use of the website, without reference to its choice-of-law principles. You agree that the only proper jurisdiction and venue for any dispute with the Company, or in any way relating to your use of this website, is in the state and federal courts in the State of Indiana, county of Hamilton, U.S.A. You further agree and consent to the exercise of personal jurisdiction in these courts in connection with any dispute involving the Company or its employees, officers, directors, agents and providers. If any provision of these Terms are determined to be invalid under any applicable statute or rule of law, such provision is to that extent to be deemed omitted, and the balance of the Agreement shall remain enforceable.
Before seeking legal recourse for any harm you believe you have suffered arising from or related to your use of this website, you agree to inform us in writing and to give us sixty (60) days to cure the harm before initiating any action. You must initiate any cause of action within one year after the claim has arisen, or you will be barred from pursuing any cause of action.