Thank you for visiting the Universal Fidelity Life Insurance Company’s (UFLIC) website (www.uflic.com). This website is intended for obtaining information regarding products and services of UFLIC and its subsidiaries and affiliates. The information contained in this website is general in nature. The contents of this site include educational information only and are not meant to be a substitute for professional medical advice. Never ignore professional medical advice or delay getting the advice because of something you have read on this site. Always seek the guidance of your physician or another qualified health provider with any questions regarding your personal health or medical conditions. Reliance on any information provided on this site is solely at your risk. Call your doctor or 911 immediately if you think you may have a medical emergency.
By using this website, users acknowledge and consent to the following conditions of use without limitation or qualification:
This website is operated and intended for use only in the United State of America. Not all of the products and/or services described on this website are available in all areas of the United States, and some users may not be eligible for them. We reserve the right to determine eligibility.
All of the information and content on this website, including, but not limited to, all text, analyses, reports, articles, graphics, software applications, video and audio files, logos, trademarks, and service marks are owned by UFLIC. These items are protected by copyright.
All rights in the pages, website content, trademarks, and service marks on this website are the property of UFLIC. All of these are protected by applicable intellectual property laws. Images displayed on the website are used with permission. Users are prohibited from using any of the trademarks, logos, service marks, images and website content without the prior written consent of UFLIC.
Users may not copy, transmit, distribute, modify, reuse, sell or display any of the content for any public or commercial purpose. Users may not use the content in any other website or in a network computer environment, including framing the content within another website.
SECURITY AND PRIVACY
We know a user’s privacy is important. We respect the user’s right to privacy, and we do not collect any personal or confidential information through this website.
We work continuously to ensure security, protect your privacy, and make the website even more useful and efficient for users. As with all electronic communications there are some risks such as failure of hardware, software and/or Internet connections. We are not responsible for failures, distortions, delays, or other unanticipated consequences, resulting from equipment configuration, connection, signal power, hardware, software or any equipment used to access the Internet.
Cookies allow the web server to maintain an active “session” with an individual user and track information for troubleshooting problems, recording general website statistics and activity, and tracking what users are accessing on the website. Cookies cannot extract any personal information about users, nor read any data that resides on users’ personal computers or devices.
If users have set their browser to warn them before accepting cookies, they will receive the warning message with each cookie. Users can disable cookies by turning them off in the browser. However, doing so may limit user’s access to certain sections of this website.
This website contains links to non-UFLIC websites. We are not responsible for the privacy practices of those websites. When accessing any of these non-UFLIC websites, users should review the privacy information provided to determine the privacy practices with regard to that website and, if necessary, contact the website owner with questions or requests for additional privacy information.
User’s Responsibility for Security
If users download or copy content from this website, the user is responsible for taking all reasonable precautions necessary to ensure the security and integrity of the user’s computer and systems, including employing current virus protection software. Users agree to not:
• Use any device or computer program in order to interfere or attempt to interfere with the proper operation of this website (e.g., hacking, denial of service attacks), including any activity that precedes attempts to breach security such as scanning, probing, or other testing or vulnerability assessment activity, or engaging in or permitting any network or hosting activity that results in the blacklisting or other blockage of IP space;
• Copy, reprint, modify, lease, distribute, assign, sell content, license, reverse engineer or create derivative works retrieved from this website or any of the third-party websites to which we may provide links;
• Use this website in a manner that may adversely affect this website’s resources or its availability to others, or that violates U.S., local, state or federal law.
LIMITATION OF LIABILITY
While UFLIC uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions may sometimes occur. Users agree that use of this website is at the user’s own risk.
UFLIC, its subsidiaries, affiliates, licensors, or any other parties involved in creating, producing, or delivering this website and content on UFLIC’s behalf, have no liability whatsoever. This includes failure of electronic or mechanical equipment or communication, telephone or other connection problems, computer viruses, unauthorized access, lost profits, loss of business or data, or punitive damages arising out of a user’s access to, or use of this website or any content, or the performance of any product identified on this website.
The content on this website and operation of it are provided on as is basis and is intended for informational purposes only. UFLIC does not warrant that the website will operate error free or is free from viruses, worms, Trojan horses, or other destructive or harmful code. UFLIC assumes no liability or responsibility for any damages to users, users’ computers, or other property due to users’ access to, use of, or downloading of content.
We strive to provide accurate and up-to-date material on this website; however, we make no warranties or representations as to the accuracy or timeliness of the content. Content may become inaccurate as a result of developments after its publication and UFLIC assumes no responsibility to keep content current or to correct inaccuracies or errors in content. UFLIC disclaims all representations or warranties of any kind either express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, and timeliness. Certain jurisdictions may not permit certain disclaimers of warranties. In such case, we disclaim warranties to the fullest extent permitted by the applicable law.
This website does not intend to market any UFLIC products or services to children less than thirteen (13) years of age. We do not knowingly gather or solicit data from children under thirteen (13) years of age through this website for marketing purposes. By using this website users represent that they are not less than thirteen (13) years of age.
These Terms and Conditions shall be governed by, and construed in accordance with, the laws of the United States and the State of Oklahoma, without giving effect to conflict of law principles thereof.
OFFER OR SOLICATION
The information contained on this website does not constitute an offer or solicitation for the sale of any insurance product in any jurisdiction where we are not licensed to conduct business.
NO LEGAL OR TAX ADVICE
The information provided is not intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. Individuals are encouraged to seek advice from their own tax or legal counsel.