Terms and Conditions

Please read the following terms and conditions carefully before using this Web site or any of our other Web sites. By accessing or using our Web sites, you agree to the following terms and conditions. You should review these terms and conditions regularly as they may change at any time at our sole discretion. The following terms and conditions apply to all of our Web sites, including any Web sites owned, operated or sponsored by any of our subsidiaries or affiliates but we may add to or supersede certain provisions of these terms and conditions with other provisions located in other parts of all of our Web sites.

1. Liability

UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE FROM YOUR USE OF, OR INABILITY TO USE, THIS WEB SITE. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

THIS WEB SITE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

2. We Do Not Have Responsibility for Links to Third Party Content

LINKS TO THIRD PARTY WEB SITES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKED WEB SITES IS NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR IT.

We reserve the right to terminate a link to a third party Web site at any time. The fact that we provide a link to a third party Web site does not necessarily mean that we endorse, authorize or sponsor that Web site, nor that we are affiliated with the third party Web site's owners or sponsors. If you wish to link to any Family Information Systems site, please contact our webmaster.

3. Privacy/Treatment of Information or Data Transmitted to Us

Personal information transmitted to us will be treated in accordance with our Privacy Policy.

4. Proprietary Rights & Restricted Use

This Web site's content is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. In addition, this Web site's content is protected by trademark laws, the laws of privacy and publicity, and communication regulations and statutes. You are not authorized to post on or transmit to or from this Web site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law.

You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this Web site, without the prior written permission of Life Benefits Inc.

5. By Providing Content, We Do Not Allow You to Use Trademarks Referenced in This Web Site

The trademarks, service marks, and logos used and displayed on this Web site are our registered and unregistered trademarks. Life Benefits Inc. is the copyright owner of all text contained on this Web site. UResolveIT®, UPlanIT® and other trademarks and service marks of Life Information, Inc., or its subsidiaries or affiliates that may be referred to on this Web site are the property of Life Information Inc. or one of its subsidiaries or affiliates. Other parties' trademarks and services marks that may be referred to are the property of their respective owners. Nothing on this Web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark without our written permission. The name of Life Benefits Inc., Inc., Life Benefits or our logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Web site, without prior written permission. You are not authorized to use our logo as a hyperlink to this Web site unless you obtain our written permission in advance.

6. All Products, Programs and Services May Not be Available in Your Area

This Web site is controlled by us from our offices within the United States of America. Except as specifically stated, we make no representation that content or materials in this Web site are appropriate or available for use in other jurisdictions. Access to this Web site content or materials from jurisdictions where such access is illegal is prohibited. If you choose to access this Web site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. You may not use or export the materials in this Web site in violation of U.S. export laws and regulations. The laws of the State of Texas will govern the content and materials contained in this Web site, without giving effect to any principles of conflicts of laws. You hereby consent to submit to the exclusive jurisdiction of and venue in the courts of the State of Texas and of the United States of America located in the State of Texas for any litigation arising out of or relating to the use of this Web site.

Life Benefits Inc. and its affiliates and subsidiaries are not authorized to do business in every jurisdiction. Information that Life Benefits Inc. publishes on this Web site may contain references or cross-references to products, programs or services of Life Benefits, Inc., its subsidiaries or affiliates that are not available in your state or country. The products referred to on this Web site may be offered and sold only to persons in the United States and its territories.

7. You Agree to Indemnify Us for Using This Web Site

You agree to indemnify, defend and hold harmless Life Benefits, Inc., its subsidiaries and affiliates, and their respective officers, directors, employees, agents, licensors, suppliers and any third party information providers to us from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this Agreement by you.

8. Third Parties May Have Rights Under This Agreement

The provisions of this Agreement are for the benefit of Life Benefits, Inc., its subsidiaries and affiliates and their respective officers, directors, employees, agents, licensors, and suppliers. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.