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Online Terms of Use


ARTICLE I

BACKGROUND

We created the Woodmen of the World Life Insurance Society ("WoodmenLife") Internet website ("the Website") for the convenience of our certificate owners ("User"). The Website is an internet application that allows secure web-based means of managing a User's insurance coverage provided by WoodmenLife, including submission of payments and maintenance of current contact information. Use of the Website is optional.

IF YOU WISH TO USE THE WEBSITE, YOU MUST READ AND AGREE TO THE USER WEBSITE TERMS OF USE ("TERMS OF USE") FOUND HEREIN. IF YOU DO NOT AGREE TO THESE TERMS OF USE, PLEASE DO NOT USE THE WEBSITE.

We may amend these Terms of Use at any time by posting a revised version on our Website. The revised version will be effective at the time we post it. No amendment will apply to a dispute of which WoodmenLife had actual notice on the date we post the revised version. In addition, if the revised version includes a substantial change, we will provide you with notice at your next login. Your continued use of the Website will indicate acceptance of the revised version, including its substantial change. We will also post a summary of any substantial change for your access within the Website.

Certain information regarding your certificate is accessible through this Website. Each time you use the Website constitutes your confirmation of all the personal data you provided to enroll in the Website. The only information available for release to you via the Website is portions of your certificate information as determined by WoodmenLife's policies. The remainder of your certificate information is available through your WoodmenLife Representative or our Customer Service Center at 1-800-225-3108.

BY ELECTRONICALLY CLICKING "AGREE", YOU AGREE TO BE BOUND BY THE TERMS OF USE.  IF YOU DO NOT AGREE TO THE TERMS OF USE, YOU MAY ELECTRONICALLY CLICK "CANCEL ". IF YOU CLICK "CANCEL" YOU WILL NOT BE GRANTED ACCESS TO USE THE WEBSITE.

ARTICLE II

SERVICES PROVIDED

  1. Generally. This Website provides access to certificate information and secure payment tools. The information provided to you will help you manage your WoodmenLife products and services, as well as inform you about certificate options. The information and online services we provide through this Website are not meant to replace any advice or counsel you receive from your professional accountant, and/or legal representative. You should not add, change, or end any coverage before carefully reading the associated terms and conditions of agreement for such coverage.
  2. Services. The Website provides the following services:
    1. Payment. Users can use the Website to submit non-recurring certificate payments through WoodmenLife.
    2. Certificate Information. Users may access information concerning certain details of their certificates, such as coverage types and contact information for WoodmenLife representatives assigned to the policies.
    3. Contact Information. Users can utilize the Website to provide the most up-to-date information on how they can be contacted by WoodmenLife.
    4. Form Requests. Users may access the right forms to print so they may submit requests for services, such as recurring certificate payments and changed certificate designations.     
    WoodmenLife may make revisions, changes, updates and/or improvements ("Revisions") in products and/or services provided on the Website and described in these Terms of Use at any time without notice. If Revisions require a Substantial Change in these Terms of Use, then WoodmenLife will implement such Substantial Change according to the amendment process described in Article I .
  3. Un-enrolling. If you want to discontinue your use of the Website, you agree to click on the "Close Account" link from the Website home screen and follow the instructions to un-enroll. You understand that if you do this, you will no longer be able to use or access the Website and your account on the Website will be closed. You understand that any information stored in the Website at the time your account is closed may be archived in WoodmenLife's database.
     
    However, discontinued use of the Website and/or electing to close your account on the Website will not cancel any coverage or payment obligations arising from your WoodmenLife product or service. You must follow the terms and conditions associated with that product or service in order to cancel any coverage from WoodmenLife.
  4. Termination. WoodmenLife may, in its sole discretion, terminate your access to all or part of the Website if you breach these Terms of Use. With respect to WoodmenLife's access to your account, you should have no expectation of privacy when using the Website, and WoodmenLife may monitor and track your Website usage. Such monitoring and tracking may be used by WoodmenLife in its determination whether you breached these Terms of Use. You will be notified if WoodmenLife discontinues your access to the Website.

ARTICLE III

WEBSITE PRIVACY AND SECURITY

WoodmenLife protects your privacy as a WoodmenLife member and/or owner and as a User of this Website. Users have certain rights associated with their personal information. These rights are established under state and federal law.

  1. Unique User Name and Password. You will define your own unique user name and password in order to access the Website. You agree not to share your user name and password to the Website with anyone else. You understand that by sharing your unique user name and password, another person may be able to see your personal information and activities on the Website.
  2. Access Requirements. You are authorized to access and use the Website in accordance with these Terms of Use and in compliance with all applicable laws, rules and regulations.
  3. Responsibility for User Name and Password. You are solely responsible for any activities related to your user name and password. You should promptly report to WoodmenLife:
    1. any inappropriate access to your account;
    2. any loss or disclosure of your user name or password; and
    3. any suspected or actual inappropriate access to or disclosure of personal information, including payment-related information.
    In the case of (c), your reporting obligations may include reporting to  third parties, such as your financial institution(s) used for your WoodmenLife products and services.
  4. Logout. You shall always log out of the Website before leaving your computer, tablet or other device.
  5. Wireless. If you access the Website using a wireless device, you are solely responsible for the security of the session.
  6. Website Security. This Website has security measures in place to help protect against the loss, misuse, or alteration of information under WoodmenLife's control or care. These measures include encryption of data at rest and during transmission. Despite these measures, the confidentiality of any communication or material transmitted to or from us via this Website by Internet or e-mail cannot be guaranteed.
  7. Disclosure. We may disclose personal information in accordance with WoodmenLife's privacy notices, which may be accessed at woodmen.org.
  8. Investigations, Security Review and Audit. You agree to cooperate with investigations, security reviews or audits related to use of the Website conducted by WoodmenLife.

ARTICLE IV

WEBSITE ACCESSIBILITY

  1. Minimum requirements. You may access the Website at any time via your personal computer, laptop, tablet or other device, provided your device meets the following minimum requirements:
    1. Google Chrome: 33.0.1750.154 and above; or
    2. Safari 5.1.10 and above for OSX; or
    3. Firefox 27.0 and above; or
    4. Internet Explorer 10 and above; and
    5. JavaScript and cookies must be enabled; and
    6. A broadband Internet connection.
    You are solely responsible for keeping your device secure, including updating it and its applications with required upgrades, updates and security patches available from third parties. WoodmenLife reserves the right to change these minimum requirements at any time.
  2. Website is a Private Network. This Website is a private Internet application provided by, maintained by, and proprietary to WoodmenLife, on behalf of itself and its subsidiaries. Unless WoodmenLife has specifically authorized you to access the Website, it is a violation of state and federal law to access the private computer network of another, such as this Website. Use of another's user name and password is not permitted and does not amount to authorization to use this Website.

ARTICLE V

LIMITATIONS TO WEBSITE USE

  1. Limited License. WoodmenLife grants, subject to these Terms of Use, only a limited, non-transferable and non-exclusive license to use the software and documentation that is proprietary to and made accessible by WoodmenLife and that is necessary to access, explore and otherwise use the Website and to use the materials on the Website in a manner consistent with these Terms of Use.
  2. Warranty Disclaimer. THE WEBSITE AND ALL MATERIALS, INFORMATION, SOFTWARE, DOCUMENTATION, PRODUCTS, AND SERVICES INCLUDED ON OR AVAILABLE THROUGH THE WEBSITE OR USED TO ACCESS, EXPLORE OR OTHERWISE USE THE WEBSITE (COLLECTIVELY, THE "CONTENT"), ARE PROVIDED "AS IS" AND "AS AVAILABLE" FOR YOUR USE. THE WEBSITE AND THE CONTENT ARE PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WOODMENLIFE, ITS SUBSIDIARIES, AND ITS LICENSORS DO NOT WARRANT THAT: (1) THE WEBSITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; OR (2) ANY DEFECTS OR ERRORS WILL BE CORRECTED. YOUR USE OF THE WEBSITE IS SOLELY AT YOUR RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THESE EXCLUSIONS MAY NOT APPLY TO YOU.
  3. Limitation of Liability. UNDER NO CIRCUMSTANCES SHALL WOODMENLIFE, ITS SUBSIDIARIES, ITS LICENSORS, OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES, OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM PERSONAL INJURY, LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION) THAT ARISE OUT OF OR RESULT FROM THE USE OF, OR INABILITY TO USE, THE WEBSITE. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF WOODMENLIFE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LIABILITY. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE WEBSITE OR THE CONTENT IS TO STOP USING THE WEBSITE AND THE CONTENT. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, WOODMENLIFE'S LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.

ARTICLE VI

WOODMENLIFE'S RIGHTS

  1. Indemnification. You agree to defend, indemnify, and hold harmless WoodmenLife, its licensors, and its subsidiaries, and other affiliated companies, and all of their employees, contractors, officers, and directors from any and all liabilities, claims, losses, and expenses, including attorney's fees, that arise from your use or misuse of the Website. WoodmenLife reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with WoodmenLife in asserting any available defenses.
  2. Proprietary Rights. You acknowledge and agree that all content and materials available on the Website are protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws. Except as expressly authorized by WoodmenLife, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from such materials or content. Systematic retrieval of data or other content from the Website to create or compile, directly or indirectly, a collection, compilation, database or directory without written permission from WoodmenLife is prohibited. In addition, use of the content or materials for any purpose not expressly permitted in these Terms of Use is prohibited.
     
    Reproduction, copying, or redistribution for commercial purposes of any materials or design elements on the Website is strictly prohibited.
  3. Third Party Rights. The provisions of these Terms of Use are for the benefit of WoodmenLife and its subsidiaries, and all of their officers, directors, employees, agents, licensors, suppliers, and information providers. Each of these individuals and entities shall have the right to assert and enforce those provisions directly against you on its own behalf.

ARTICLE VII

MISCELLANEOUS TERMS

  1. No Waiver. No delay or failure to require performance of any provision of these Terms of Use shall constitute a waiver of the performance of such provision. Any waiver granted by a party must be in writing, and shall apply solely to the specific instance expressly stated. A waiver of any term or condition of this shall not be construed as a waiver of any other terms and conditions of these Terms of Use, nor shall any waiver constitute a continuing waiver.
  2. Contacting Us. If you have any questions or concerns about these Terms of Use, please contact us at:
    Email: Legal_Mailbox@woodmen.org
    Mail: Matthew Ellis
    Woodmen of the World Life Insurance Society
    1700 Farnam Street
    Omaha, NE 68102-2025
  3. Entire Agreement. These Terms of Use hereby incorporate by reference the following additional terms and conditions:
    1. The Articles of Incorporation of WoodmenLife; and
    2. The Constitution and Laws of WoodmenLife, specifically including (but not limited to) Article 8 for Resolution of Individual Disputes.
    These Terms of Use (including those terms and conditions incorporated by reference) constitute the entire agreement between you and WoodmenLife with respect to your use and access of the Website and supersede all prior or contemporaneous communications and proposals (whether, oral, written, or electronic) between you and WoodmenLife with respect to the same. These Terms of Use and the documents incorporated by reference shall be construed wherever reasonable as being consistent with each other. When such construction is unreasonable, these Terms of Use shall take lower precedence than the Articles of Incorporation of WoodmenLife, the Constitution and Laws of WoodmenLife, and/or any certificate(s) then-applicable or relevant.
  4. Severability. If any part of these Terms of Use is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of WoodmenLife, and the remaining portions shall remain in full force and effect.
  5. Electronic Means. You and WoodmenLife desire to facilitate certain transactions pursuant to these Terms of Use by exchanging documents, records and/or signatures electronically or by utilizing electronic agents. The use of electronic facilities or agents shall be in accordance with procedures established by WoodmenLife and governed by the applicable provisions of the Uniform Electronic Transactions Act as adopted by the State of Nebraska.
  6. Headings. The section and paragraph headings used in these Terms of Use are provided for the purpose of reference only and shall have no effect on the interpretation of these Terms of Use.

TERMS OF USE – EFFECTIVE DATE: 6/01/2015