Without limitation, You will not use this Website in any manner which would damage, disable, overburden, or impair this Website or interfere with another’s use of this Website, including their ability to engage in real time activities through the Website.
Without limiting the foregoing, You agree not to:
The information available on this Website is intended to be a general information resource regarding the matters covered, but is not offered as legal, tax, accounting or other professional advice. You should evaluate all information, opinions and advice available on this Website in consultation with qualified advisors.
To protect the Website from unauthorized use and to ensure that the Website is functioning properly, activities on this Website may be monitored and recorded. By using this Website, You expressly consent to such monitoring and are advised that if such monitoring reveals possible evidence of criminal activity, Company may provide evidence from such monitoring to law enforcement officials.
The Website and its content are not intended for children ages 13 and Younger.
All information and content, features and functionality of this Website, including, but not limited to all information, software, text, displays, images, graphics, video and audio files, icons, photos, logos, company names, product names, service marks, trademarks, and other proprietary information, and the design, selection, and arrangement thereof (“Protected Material”) are owned or licensed by the Company and are protected by United States intellectual property laws. The Company and its licensors retain all the intellectual property rights, including associated goodwill, in and to all aspects of this Website. Removal or reproduction by any means of any Protected Material is expressly prohibited without the prior written consent of the Company. Any unauthorized use of the Protected Material may violate copyright, trademark, patent, trade secret, trade name, and other intellectual property or proprietary rights or privacy laws.
Any software that is made available to download from the Website is the copyrighted work of Company and/or its suppliers. Use of the software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the software (“License Agreement”). You may not download or install any software that is accompanied by or includes a License Agreement unless You have read and accepted the terms of the License Agreement. REPRODUCTION OR REDISTRIBUTION OF THE SOFTWARE IS PROHIBITED EXCEPT AS PROVIDED FOR IN THE APPLICABLE LICENSE AGREEMENT.
You must not:
Company neither warrants nor represents that Your use of materials displayed on the Website will not infringe rights of third parties.
Applicable law considers an electronic signature to have the same force and effect as a signature written on paper by hand. Therefore, by electronically signing records contained in this Website, You signify Your agreement and intent that Your electronic signature has the same legal force and effect as if You had signed Your signature in ink on a paper record.
We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.
You are responsible for all costs related to, and making all arrangements necessary for You to have, access to the Website, including, but not limited to, those related to equipment and internet access.
To access the Website or some of the resources it offers, You may be asked to provide certain registration details or other information. It is a condition of Your use of the Website that all the information You provide on the Website is correct, current, and complete.
You agree to be responsible for all activities occurring under a user id that may be assigned to You by the Company (“ID”). You agree to notify the Company immediately of any unauthorized use with respect to Your ID or any other breach of security or privacy involving Your use of this Website. You agree the Company will not be liable for any losses incurred as a result of a third party’s use of Your ID, password, or any other piece(s) of information as part of our security procedures, regardless of whether such use is with or without Your knowledge and consent. You agree You are responsible for maintaining the confidentiality of Your ID account and password, and for restricting access to Your computer or device, and You agree to accept responsibility for all activities that occur under Your ID account and/or password. You also agree to ensure that You exit from Your account at the end of each session. You should use particular caution when accessing Your account from a public or shared computer so that others are not able to view or record Your password or other personal information.
If the Website contains links to other sites and resources provided by third parties, these links are provided for Your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from Your use of them. If You decide to access any of the third-party websites linked to this Website, You do so entirely at Your own risk and subject to the terms and conditions of use for such websites.
The owner of the Website is based in the State of Iowa in the United States. We provide this Website for use only by persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If You access the Website from outside the United States, You do so solely on Your own initiative and are solely responsible for compliance with local laws.
You acknowledge that the Company does not own, operate or manage the internet-the internet is a separate network of computers and systems, independent of and not subject to the control of the Company; communications on the internet may not be secure and may be subject to interception or loss; certain content available on the internet is copyrighted and may have been distributed in violation of copyright laws.
You further acknowledge that the Company has no obligation to review the content posted on the Website. We may update the content on the Website from time to time, without notice to You, but its content is not necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material. Under no circumstances will the Company be liable in any way for any content, including, but not limited to, for any errors or omissions in any content, or for any loss or damage of any kind incurred as a result of the use of any content posted, e-mailed or otherwise transmitted via the Website. Accordingly, You agree that You must evaluate, and bear all risks associated with, the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content. The Company does not guarantee continuous, uninterrupted, or secure access to the Website, and operation of the Website may be interfered with by numerous factors outside of our control.
You understand that we cannot and do not guarantee or warrant that files available for downloading from the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures to satisfy Your particular requirements for anti-virus protection and accuracy of data, and for maintaining a means external to the Website for any reconstruction of any lost data.
TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY-HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.
YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR MATERIALS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR MATERIALS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, SAFETY OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR MATERIALS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL COMPANY OR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE WEBSITE BE LIABLE TO YOU FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, OR THE RESULTS OF THE USE OF THE WEBSITE OR THE MATERIALS OR INFORMATION CONTAINED THEREIN, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY, EVEN IF COMPANY OR A COMPANY AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL COMPANY’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU TO COMPANY, IF ANY, FOR ACCESSING THE WEBSITE.
TO THE FULLEST EXTENT PROVIDED BY LAW, COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.
THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
Wellabe® is the brand name for products and services provided by various life and health insurance companies affiliated with Company. Products and services are solely provided by the entity specified on the product or service contract. Not all products and services are available in every state. No product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the laws of such jurisdiction. All of our insurance companies are United States companies, servicing United States residents. The information provided on this Website does not apply, nor are the products and services of Company available, to residents of any foreign country.
The product information contained within this Website is provided for informational purposes only and subject to change. An insurance policy or certificate provided by the Company to You constitutes the contract between the parties, and its terms and description of coverage, including any limitations or exclusions, shall govern. Information on this Website may be presented in summary form; if there is a discrepancy between the product information included on this Website and the contract, the contract language will prevail. You may contact Your insurance agent or contact the Company at 800-228-6080 to learn more about a particular product or service.
This Website occasionally may refer to You, a registered user, as a “member.” Any such reference relates only to Your registration on this Website and Your coverage under an insurance policy of the Company. Such reference on this Website does not mean that You possess any membership rights in Wellabe Mutual Holding Company (any such membership is conferred separately by means other than this Website).
Last modified: May 25, 2023