IMPORTANT: Please be sure to read the following BEFORE you proceed in this website. If you use this website, you are bound by the following rules and agreement, whether you read them or not.

We appreciate your visit to our website. To be sure that you understand the purpose and intended use of the website, we have established certain rules for use of the site, including an agreement you automatically accept by opening and reviewing any page or materials within the website. If you do not wish to follow our website rules and enter into this website agreement with us, please exit the website now. By proceeding to access any page within this website, you agree to the following rules and terms of use:

Ownership of this website and use of website materials
This website is owned and operated by USAble Life. All data or information ("USAble Life Data") contained in this website is and shall remain the exclusive property of USAble Life. By using this website, you agree to respect the ownership rights and rules of use of USAble Life, including the right of USAble Life to monitor this website at any time and the right of USAble Life to process, retain, copy and, subject to our confidentiality policy and applicable laws or regulations, use and disclose any information you may provide to USAble Life through this website. See our Financial Information Privacy Policy.

You agree not to copy, download, disclose, distribute, transfer, publish, or e-mail any USAble Life Data without the prior, written consent of USAble Life, or as further expressly authorized in this "Ownership" section.

You are authorized to download one copy of any USAble Life Data on this website for your own personal use, provided you (a) do not use the USAble Life Data for any commercial purpose and (b) do not remove, mask or obscure any copyright, trademark, service mark, patent or other intellectual property rights notices or symbols set forth in the USAble Life Data.

Limitation and release of USAble Life from liability
As a condition of your use of this website, and of your access to any USAble Life Data herein, you agree that neither USAble Life nor any affiliated company nor any director, officer, employee or agent of USAble Life or its affiliated companies ("USAble Life Parties") shall be liable to you for any harm, injury or loss you may suffer which allegedly is caused by or related to your access to this website or the content, style, accuracy, inaccuracy, currency or staleness of any USAble Life Data or other information contained or reflected within this website.

By using this website, you agree to waive and release the USAble Life Parties from all liability whatsoever which may be caused by, arise from, or in any way relate to your use of this website, including but not limited to any direct, indirect, incidental, special, consequential, exemplary or punitive damages, physical or mental injury or loss, economic loss, loss of profits, injury to reputation or credit standing, emotional distress, psychological injury or loss or other damage or injury of any kind ("Losses"), regardless of whether such Losses allegedly arise from negligence, breach of contract, breach of warranty, breach of fiduciary duty, strict liability or tort.

You agree that if you are not satisfied with the content or operation of this website or with the content, use or effect of any USAble Life Data, or if you believe that your access to this website or any USAble Life Data has in any way caused injury to you, your sole and exclusive remedy shall be to exit the website and refrain from any further access or use.

Important disclaimers -- What we are NOT responsible for

As a condition of your use of this website, and of your access to any USAble Life Data herein, you agree that USAble Life and the USAble Life Parties are NOT RESPONSIBLE FOR:
Errors, omissions or inaccuracies in the website or in any USAble Life Data.
We will try to avoid errors, but you should not expect information in this website to always be current, accurate or error-free because human or machine error may occur, and information may become outdated before we can update this website; in addition, there is always a possibility of "hackers" or other unauthorized postings to this website, which we may not be able to prevent, detect or deter. USAble Life cannot and does not guarantee or represent the accuracy, timeliness, reliability or completeness of any USAble Life Data or other information contained in or accessed through this website.

• Warranties or representations of any kind.
  USAble Life does not make any warranties or representations of any kind to you or to any other visitor to or user of this website. All USAble Life Data or other information you may access or receive through this website is provided "AS IS" without warranties of any kind, express or implied. This disclaimer of warranties and representations includes but is not limited to any implied warranties of merchantability or fitness for a particular purpose, or of non-infringement of any ownership or intellectual property rights of any third party.
• Viruses, contamination or other technical or system problems, damages or errors.
  USAble Life will not be responsible for any virus or contamination you or your computer programs or equipment may experience during or as a result of your access to this website or your access to, downloading or use of any USAble Life Data, nor will USAble Life be responsible for any problems, damages or errors associated with your access to this website, or your access to, downloading or use of any USAble Life Data. In using or accessing this website, you assume 100 percent of all risks associated with such access or use, including but not limited to any risk of viruses or contamination, any software, hardware or other problems or losses, or any damages or errors related to such access or use.
• Providing links to other sites, the content of other sites, or the conduct of the owners of other sites.
  You may see opportunities within this website to link to other websites, an option we may provide from time to time purely as a convenient service to website visitors. If you choose to access other websites from this website, you agree, as a condition of choosing any such link or access, that USAble Life is not and shall not be responsible or liable to you or to others in any way for your decision to link to such other websites. You further agree that USAble Life and the USAble Life Parties are not responsible for the content of any other website to which you may link, nor are USAble Life or the USAble Life Parties liable or responsible under any circumstances for the activities, omissions or conduct of any owner or operator of any other website. Once you choose to link to another website, you understand and agree that you have exited this website and are no longer accessing or using any USAble Life Data. You understand and agree that by making any third-party website link available as an option to you, USAble Life does not in any way endorse any such website, nor state or imply that you should access such website or obtain or use any services, products or information which may be offered to you through such other websites or by the owner or operator of such other websites. The owners or operators of any other websites (not USAble Life) are solely responsible for the content and operation of all such websites. USAble Life makes no warranties or representations of any kind, express or implied, nor of merchantability or fitness for a particular purpose, nor of non-infringement, with regard to the content or operation of any other website to which you may link from this website.
• Acts or omissions of any other person, company or entity.
  You agree that USAble Life is not and shall not be responsible or liable to you or to others for any conduct, misconduct, mistakes, errors or omissions of any other person or company which may in some way affect your access to or use of this website or of USAble Life Data, or the operation or content of this website, including but not limited to the acts or omissions of unknown third parties, unauthorized users or "hackers," internet service providers, competitor companies, utility companies, governments, courts, law enforcement authorities, or local, state or federal regulatory agencies.

Improper use prohibited
By accessing or using this website, you agree to use it and the USAble Life Data made available herein solely for your own personal use in the manner in which it is intended and for the legitimate business and informational purposes for which the website is operated by USAble Life. You further agree that you shall not use or attempt to use this website or any USAble Life Data or other information obtained herein for any unlawful or harmful purpose, including but not limited to any sabotage, industrial or economic espionage, defamation of any person or company or the humiliation, harassment, intimidation or threatening of any other person or entity. You agree that you will not employ at any time nor attempt to enter into the website any improper data, comments, statements or materials of any kind, including but not limited to any false, fraudulent, defamatory, or scandalous data, statements or accusations, any profanity, any pornographic or sexually explicit materials, images, depictions, diagrams, drawings, illustrations, video displays or references of any kind, nor any material containing or designed or intended to convey any insults to another person based on race, sex, national origin, ethnicity, age, color, disability, sexual orientation or religion. You understand and agree that this website is a private enterprise owned and operated exclusively for business purposes of USAble Life and its affiliated companies, and as such that this website shall not be used by you to solicit any business apart from the products, goods or services offered by USAble Life, nor shall this website be used by you to promote any personal, political or religious agenda or philosophy of you or any other person or organization.

You agree that USAble Life shall be entitled, if it so chooses, to take steps to bar your continued use or access to this website in the event of any improper activity of any kind and further that USAble Life may report any such improper activity to appropriate civil or criminal authorities or agencies, either local, state or federal, and may in certain instances pursue civil action or criminal charges and prosecution against violators.

Jurisdiction and remedies for violation of rules
If you violate any of these website rules, or if there is any dispute between you and USAble Life relating to your access to or use of the website or to the USAble Life Data, you agree that you will be subject to the personal jurisdiction of the courts of Pulaski County, Arkansas, for all purposes relating to any civil or criminal action in connection with your violation or with regard to any dispute between you and USAble Life related to this website. In the event of any violation of these rules, you agree that, in addition to damages or other remedies that might be available, USAble Life shall be entitled to an injunction against you to stop such violations.

Product offerings limited to certain residents
While it is possible that you may access this website from any state in the United States, you understand and agree that the insurance business of USAble Life is limited to the states wherein USAble Life is licensed to do business and USAble Life does not solicit or seek to place any insurance coverage in states in which USAble Life is not licensed. Accordingly, you agree that if you are a resident of any state wherein USAble Life is not licensed, you will disclose your residency accurately and completely and will not accept any insurance offering or solicitation of USAble Life, even if some such offering or solicitation is mistakenly or inadvertently directed to you as a resident of any state wherein USAble Life is not licensed, either by machine or human error.

Cooperation, release of data and privacy policy
By accessing or using this website, you agree to cooperate fully with USAble Life to promote the proper use and working of the website, and to identify, report or investigate any improper use or conduct in connection with the website. You agree to promptly report to USAble Life any improper use of the website or USAble Life Data, or any improper or unauthorized content or information displayed within the website.
If you enter any data on any web page or location within this website, or otherwise provide data in response to the website or in connection therewith, you authorize the release of such data to USAble Life and to all affiliated companies, employees or agents of USAble Life whose access to such data is related to the business operations of USAble Life or its affiliated companies. This authorization for release of data is subject to the confidentiality policies of USAble Life, and requirements of applicable laws and regulations. While USAble Life will treat personally-identifiable data you may enter or submit via this website as confidential to USAble Life and its affiliated companies, USAble Life cannot and does not guarantee that data you enter or submit on this website is secure or will not be accessible to unauthorized third parties or unintended recipients. See our Financial Information Privacy Policy.