Terms of Use

Website Terms of Use and Privacy Statement

By accessing and using this website or any website
owned or operated by Constitution Life, you agree to the following Terms of Use:

Information on This Web Site

This site is owned by Constitution Life and its family of companies (collectively "Constitution Life"). Constitution Life will use all reasonable efforts to safeguard the confidentiality of identifiable information provided to it. The receipt of data via the internet or through Constitution Life's website cannot be made absolutely secure and that in no event shall Constitution Life be liable for any damages, including, but not limited to, any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits or loss of data (even if Constitution Life is advised of the possibility or likelihood of such), whether in an action of contract, negligence, or other tortious action, arising out of or in connection with the use or performance of this website or any information transmitted from or to Constitution Life via the internet, or the provision of or failure to provide services or information available from this website by either Constitution Life or any third party. Constitution Life reserves the right to restrict, suspend, terminate, or otherwise limit a user's access to this website at any time and without notice.

Links to third parties may take users out of Constitution Life's website. When you follow such links, the third party website may appear as a full screen or in some cases, it may appear within the frame of this website. Where a third party website appears within the frame of this website, this is solely for ease of navigation back to this website. Whether such third party websites appear as a full screen or within the frame of this website, all such linked sites are not under the control of Constitution Life and Constitution Life is not responsible for the contents of any such linked site, any link contained in a linked site, or any changes or updates to such sites. Constitution Life is not responsible for webcasting or any other form of transmission received from any linked site. Constitution Life is providing these links to users as a matter of convenience only. The inclusion of any link does not imply Constitution Life's endorsement of the site unless Constitution Life expressly states that Constitution Life has a material interest or contractual relationship with the owner of such site.

This statement is not intended to create a contractual or legal right in or on behalf of any person or entity other than those expressly stated within this notice. The documents and related graphics published on this website may include inaccuracies, incomplete, or typographical errors. Changes are periodically added to the information herein. Constitution Life may make improvements and changes in the content of this website and any products and the programs described herein at any time without notice.

This website contains intellectual property that is the sole property of Constitution Life, however, certain intellectual property (including, but not limited to, images, logos, copyrights, trademarks, and trade names) are owned by third parties not owned by Constitution Life. Any use, reuse, distribution, modification, transmission, posting, or reposting thereof with the express prior written consent of Constitution Life or such third party may result in legal action being taken. The Constitution Life and associated logos are protected by federal and state copyright laws. Other marks may be included or removed from this website at any time. Under no circumstances may you "frame" this website or any of its contents or copy portions thereof without the express prior written permission of Constitution Life. Nothing contained herein or on this website grants to you any rights or a license to use any marks without the express prior written consent of Constitution Life or the owner of such third party marks and you may not sell or otherwise use the information contained on this website for any public or commercial purpose.

Information on this website is provided "AS IS" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Without limiting the foregoing, Constitution Life neither represents nor warrants that your use of materials displayed on this website will not infringe the rights of third parties not owned by or affiliated with Constitution Life. Any unauthorized use, reuse, distribution, modification, transmission, posting, or reposting of information contained in this website may violate state and or federal laws and subject you to civil or criminal fines, penalties, and/or imprisonment. Constitution Life will cooperate to the fullest extent with any law enforcement agencies in furtherance of this provision.

Visitors of this website represent and warrant that any information provided to Constitution Life by means of the website is truthful, accurate, not misleading and offered in good faith. Visitors agree not to use this website for or in connection with any of the following activities:

  1. Spoofing or otherwise impersonating any Constitution Life representative or employee, including, without limitation, any other users or any of our personnel, or falsely stating or otherwise misrepresenting your identity or affiliation in any way, or forging any Transmission Control Protocol/Internet Protocol (TCP/IP) packet header or any part of the header information in any e-mail or other posting;
  2. Ay fraudulent or illegal purpose;
  3. E-mailing, uploading, or otherwise transmitting or using the website in furtherance of the use or distribution of any unlawful, harmful, harassing, defamatory, tortious, libelous, abusive, threatening, or otherwise objectionable material of any kind, or any material that is invasive of another's privacy;
  4. Transmitting material that contains viruses, Trojan horses, worms, time bombs, cancelbots or other computer programming routines or engines that are intended to damage, destroy, disrupt or otherwise impair a computer's functionality or the operation of our (or anyone else's) website, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information, or transmit any materials that otherwise violate Constitution Life's rules or policies; and
  5. Violate Constitution Life's rights in or to intellectual property.

Further, the information contained in this website and any associated websites and/or links are provided as a service to the internet community and Constitution Life's enrollees, prospective enrollees, contracted providers, and vendors, and the general public. Any information or forms contained in this website or any linked website does not constitute medical or legal advice. Constitution Life tries to provide quality information, but we make no claims, promises, representations, warranties, or guarantees about the accuracy, reliability, truthfulness, completeness, or adequacy of the information contained in this website or linked to this website or its associated sites. As medical and legal advice must be tailored to the specific circumstances of each person and the laws are constantly changing, nothing provided herein should be used as a substitute for the advice of a competent medical provider or attorney and you are urged to consult with an appropriate profession for information specific to your needs.

The product and/or services described in this website and/or any links or third party websites (whether framed within this website or not), if any, provided on this website are not intended to constitute offers to sell or solicitations of any kind in connection with any product or service. All products are not available in all areas and are subject to applicable regulatory approval(s) and certain limitations. If you are interested in a particular product and/or service, please contact a Constitution Life authorized representative to discuss such products and/or services.

ANY RIGHTS NOT EXPRESSLY GRANTED HEREIN ARE RESERVED.

Collecting and Using Personal Information

We strongly believe in protecting the information you give to us. You can access information about our products on our website with complete anonymity.

Whenever you do supply personal information to us with reference to a product or service inquiry, such as your name, address, telephone number and/or e-mail address, it is kept secure and used solely to answer your inquiry, comply with your request, or supply you with information about new products and services to help meet your needs. If you do choose to provide us with personal information, you can be assured that such information is kept in secured databases. We treat this information as confidential. However, we may disclose this information to third parties when we believe it is necessary in order for us to conduct our business, or where such disclosure is required by law. For example, we may disclose information to others to enable them to perform business services for us relating to the products and services we offer, or who help us to evaluate requests relating to the products and services we offer, or who help us to evaluate requests for insurance.

Your E-mail

Please note that your e-mail, like most, if not all, non-encrypted Internet e-mail communications, may be accessed and viewed by other Internet users, without your knowledge and permission, while in transit to us. For that reason, to protect your privacy, please do not use e-mail to communicate information to us that you consider confidential. If you wish, you may contact us instead via telephone at the numbers provided on our web pages.

Other Information; "Cookies"

You should also be aware that when you visit our websites, we collect certain information that does not identify you personally, but provides us with "usage data," such as the number of visitors we receive or what pages are visited most often. This data helps us analyze and improve the usefulness of the information we provide at our website.

Like most commercial website owners, we may also use what is known as "cookie" technology. A cookie is an element of data that a website can send to your browser when you link to that website. It is not a computer program and has no ability to read data residing on your computer or instruct it to perform any step or function. By assigning a unique data element to each visitor, the website is able to recognize repeat users, track usage patterns and better serve you when you return to that site. The cookie does not extract other personal information about you, such as your name or address. Most browsers provide a simple procedure that will enable you to control whether you want to receive cookies by notifying you when a website is about to deposit a cookie file. Most cookies expire after a defined period of time, or you can delete your cookie file at any time you choose. In addition, you can set your browser to notify you when you receive a cookie so that you can decide whether to accept or reject it.

Security

We have adopted and adhere to stringent security standards designed to protect non-public personal information at our website against accidental or unauthorized access or disclosure. Among the safeguards we have developed for this site are administrative, physical and technical barriers that together form a protective firewall around the information stored at this site. We periodically subject our site to simulated intrusion tests and have developed comprehensive disaster recovery plans.

Changes to This Statement

We may change this Statement from time to time without notice. This Statement is not intended to and does not create any contractual or other legal rights for or on behalf of any party.