Terms and Conditions of ARAG Website Use

Introduction

The following are terms of a legal agreement between you and ARAG, North America, Inc. (ARAG). By accessing, browsing, or using this website, you accept and agree to be bound by the terms and provisions of this agreement. In addition, when using this website's particular services, you shall be subject to any posted guidelines or rules applicable to such services. ARAG may, without notice to you at any time revise these Terms and Conditions of Website Use by updating this posting. ARAG may also make improvements or changes in the products, services, or programs described in this site at any time without notice.

ANY PARTICIPATION IN THIS SITE WILL CONSTITUTE ACCEPTANCE OF THIS AGREEMENT. IF YOU DO NOT AGREE TO ABIDE BY THE ABOVE, PLEASE DO NOT USE THIS SITE.

Limitation of Liability

This website and its components are offered for informational purposes only; ARAG shall not be responsible or liable for the accuracy, usefulness or availability of any information transmitted or made available via the website, and shall not be responsible or liable for any error or omissions in that information. While every effort has been made to ensure the accuracy of this site, it is not intended as legal advice as individual situations will differ and should be discussed with an expert and/or lawyer. If you have questions concerning coverage, please refer to your ARAG legal plan.

The material on our sites is provided as is. This means that ARAG disclaims all express and implied warranties about the material in the sites. This includes, but is not limited to, warranties that:

the material is of any particular level of quality or is fit for a particular purpose;
that the functional elements contained in the materials will be uninterrupted or error-free;
that defects will be corrected;
that ARAG's sites, or the servers that make them available are free of computer viruses or other harmful components or conditions; or
that information contained in the sites is accurate as of any particular date.

In no event will ARAG be liable to any party for any direct, indirect, incidental, special, exemplary or consequential damages of any type whatsoever related to or arising from this website or any use of this website, or of any site or resource linked to, referenced, or accessed through this website, or for the use or downloading, or access to, any materials, information, products, or services, including, without limitation, any lost profits, business interruption, lost savings or loss of programs or other data, even if ARAG is expressly advised of the possibility of such damages. This exclusion and waiver of liability applies to all causes of action, whether based on contract, warranty, tort, or any other legal theories.

By providing material on our website, ARAG does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. ARAG is entitled to terminate all or part of any of its websites at any time, without notice to you.

We sometimes provide access to other World Wide Websites from our website 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 an ARAG site (ARAGlegal.com or ARAGgroup.com) or have moved elsewhere.

When you select a password and sign-up in order to access ARAG's online services, you agree to the following conditions:

ARAG is authorized to act on instructions received under your password without any requirement to question those instructions;
ARAG is not liable for any unauthorized access to your personal information that is not directly due to the negligence of ARAG;
Your password contains sensitive information and you will keep it confidential and secret;
You will notify ARAG immediately if you believe anyone else has learned your password or if you believe an unauthorized access to ARAG or your personal information has occurred or may occur;
ARAG 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 ARAG website access privileges.

Intellectual Property Rights

The website and the information it contains are the property of ARAG and, in some cases, its affiliates and licensors, and are protected by United States and international intellectual property laws. "ARAG®", the ARAG logo, the "L" logo, the Gavel logo, "BRIEFLY SPEAKING™," "LEGAL PLAN INSIGHT®," "FINANCIAL ESSENTIALS™," "HOME ESSENTIALS™," "FAMILY ESSENTIALS™," "ULTIMATEDEFENDER®," "ULTIMATE LEGAL PLAN®," "LEGAL ESSENTIALS®," "GREEN FAIR®," "CASEASSIST®," "DIY DOCS®," "LEGAL RESCUE®," "IDENTITY THEFT CASE SOLUTIONS®," "ARAG DIRECT," "LEGALRX®," "MY STORY®," "EXPAND YOUR HORIZONS®," "SENIORADVOCATE®," "LAW EXPRESSO®," "ULTIMATEADVISOR®," "SIMPLIFYING A COMPLICATED WORLD®," and LEGAL NOW™" are registered trademarks or trademarks of ARAG in the United States and other countries. This is not intended as a complete list of ARAG trademarks and other ARAG product or service names or logos appearing in the site may be trademarks or services marks of ARAG or its affiliates.

Except as expressly provided herein, you shall not use any portion of this website, or any other intellectual property of ARAG (including, but not limited to ARAG-related service marks), on any other website, in the source code of any other website, or in any other printed or electronic materials. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, transmit, distribute, or otherwise use any of this website's content or frame this website within any other website without ARAG's prior written permission. However, sharing of ARAG's content on social networks is permitted so long as the content is properly sourced, remains intact and is not modified. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from ARAG, is prohibited.

All copyrightable Information (including the Terms of Usage and the Privacy Statement) including the selection and arrangement thereof are copyright ^© 2015 ARAG North America, Inc. ALL RIGHTS RESERVED.

Copyright Violation

If you believe any materials accessible on or from the website or the products infringe your copyright or other intellectual property, you may request removal of those materials (or access thereto) from the website or the products by contacting our copyright agent (identified below) and providing the following information:

Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include a copy or the location (for example, the URL) of an authorized version of the work.
Identification of the material that you believe to be infringing and its location. Please describe the material, and provide us with its URL or any other pertinent information that will allow us to locate the material.
Any information required to be included in a copyright infringement report under the Digital Millennium Copyright Act (DMCA).
Your name, address, telephone number and (if available) email address.
A statement that you have a good faith belief that the complained use of the materials is not authorized by the copyright owner, its agent, or the law.
A statement that the information that you have supplied is accurate, and indicating that "under penalty of perjury" you are the copyright owner or are authorized to act on the copyright owner's behalf.
A signature or the electronic equivalent from the copyright holder or authorized representative.

Our agent for copyright issues relating to the Site and the Products is as follows:

ARAG North America, Inc.
Ann Cosimano, General Counsel
500 Grand Avenue
Suite 100
Des Moines, IA 50309-2405

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.

Indemnification

You agree to defend, indemnify and hold ARAG, its parents, subsidiaries, affiliates, managers and employees, its suppliers and their respective affiliates and agents, harmless from all claims, liabilities, damages and expenses (including attorneys' fees and expenses) arising out of or relating to,

your submission to this website of any intentionally malicious transmission;
your alleged breach of this Agreement; or
your infringement of any intellectual property or other right of any person or entity.

Jurisdiction

Unless otherwise specified, the materials in our site are presented to provide information about ARAG, our insurance products and the insurance business. Iowa law shall govern and control any action concerning the ARAG sites. We do not in any way imply that the materials on the sites or the products we discuss are available or for use outside the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing an on-line purchase of an insurance product, you are confirming that you are not a resident in any such jurisdiction.

By using the araglegal.com or araggroup.com 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 Iowa, without giving effect to Iowa's conflict of laws principles.

If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and/or enforceability of any remaining provisions.

ARAG 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.

For tax purposes only, when purchasing an ARAG product containing identity theft protection or financial planning services, the selling price comprises approximately 3.2% and 0.08% of the overall sales price, respectively.