USI — “USI” refers to USI and affiliates.
Internet service provider — “ISP” refers to Internet service provider.
SOFTWARE AND HARDWARE REQUIREMENTS. To access the Site, you must obtain access to the Internet which involves computer hardware (e.g., computer, modem) and software (e.g., web browser) requirements. You are solely responsible for any fees and charges related to your access to the Internet, including but not limited to any ISP fees, telephone charges and cellular provider charges. Certain segments of the Site require additional hardware and/or software to effectively use the Site and to sign up for various products and services online. USI requires you to use a web browser that supports adequate security measures which includes the use of Secure Socket Layer (SSL) encryption technology with 128 bit encryption, and such standards may change from time-to-time as determined by USI. USI recommends you use adequate anti-virus and anti-spyware software and that you keep such software current to help you avoid data compromise and related losses. You are responsible for selecting all systems, hardware and your ISP. You are also responsible for any defect, malfunction or interruption in service or security due to hardware failure, your choice of ISP and systems and computer services. USI is not responsible for any computer virus or related problems that may arise with your use of the Site, products or services. Some services on the site may require you to have a telephone for OOBA (Out-of-Band Authentication) which provides additional, multi-factor authentication to help prevent unauthorized access.
You agree not to provide USI with personal healthcare information on the Site, unless asked for such information by USI.
Some services offered on or through the Site require you to provide an electronic mail address to facilitate provision of the service. If you provide us with an electronic mail address, USI may use such electronic mail address to send to you communications, including marketing communications. If you would prefer not to receive marketing communications by electronic mail, such marketing electronic mail items will contain a method for you to opt-out of receipt of marketing by electronic mail from USI.
SECURITY. Electronic mail over the Internet is not secure or confidential. USI is not responsible for any damages in connection with electronic mail you send to USI or electronic mail sent to you, at your request.
CHILDREN USING SITE. Due to the Children's Online Privacy Protection Act, the Site is not intended for use by individuals under the age of 13. USI does not knowingly solicit or knowingly market to children under 13 without parental consent. Children should always ask a parent or legal guardian for permission before sending personal information to anyone online.
BOOKMARKS AND LINKING. You may create a bookmark in your web browser to the Site, but you may not create a link to the Site on any other publicly accessible website without the express written consent of USI.
AGGREGATION. There are a variety of aggregation websites on the Internet that allow you to consolidate account information from various sources to be viewed on a website. If you choose to use an aggregator service, you should ensure that the aggregator company is reputable and has appropriate policies and practices to protect the privacy and security of information you provide and/or information they obtain access to pertaining to you. USI does not have control over third-party aggregator policies and practices.
COPYRIGHTS, TRADEMARKS AND/OR RESTRICTIONS ON USE. Except were expressly noted, you acknowledge and agree that USI, our services providers and/or our licensors own all rights to the Site and the content and works of authorship displayed on the Site; including without limitation photos, text, icons, source code, video, software, graphics and sound recordings (including how such information and materials are arranged on the Site). Such items are protected by copyright and/or other laws. You are authorized to view such information and materials on the Site only for your own informational purposes. You may not copy, distribute, disseminate, sell, reproduce, display, link to, license, create derivative works of or republish the Site or any portion of the Site for any commercial or public purpose without our prior express written consent. In addition, USI or others (e.g., our licensors and/or Service Providers) as indicated also owns the trademarks, service marks, registered service marks or registered trademarks and logos (each referred to as “Marks”) which are displayed on the Site. You agree not to use such Marks without the prior express written consent of USI or the indicated third-party that may own the Marks. You agree that except as expressly provided herein, USI has granted you no license, rights in or rights to use any of the Marks; USI and/or our Service Providers and licensors retain all rights to the Marks.
NOTE: In the DISCLAIMER and LIMITATION OF LIABILITY section, the term “USI” encompasses our service providers.
DISCLAIMER. THE INFORMATION, MATERIALS AND SERVICES CONTAINED IN THE SITE, INCLUDING TEXT, LINKS, GRAPHICS OR OTHER ITEMS ARE PROVIDED "AS AVAILABLE", "AS IS." USI MAKES NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, WITH RESPECT TO THE SITE AND SERVICES HEREUNDER, OR ANY RELATED SERVICE, OR THE FITNESS OF THE SITE AND/OR SERVICES FOR CUSTOMER’S USE. USI HEREBY EXPRESSLY DISCLAIMS ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR IMPLIED WARRANTIES ARISING FROM A COURSE OF DEALING OR COURSE OF PERFORMANCE. NO ORAL OR WRITTEN INFORMATION GIVEN BY USI, ITS EMPLOYEES, LICENSORS OR THE LIKE WILL CREATE A WARRANTY HEREUNDER. ALSO, USI DISCLAIMS ANY AND ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE SITE OR SERVICES PERTAINING TO NONINFRINGEMENT, SECURITY, ACCURACY, NON-INTERRUPTION AND FREEDOM FROM COMPUTER VIRUS. USI DOES NOT WARRANT THE ACCURACY, COMPLETENESS OR ADEQUACY OF THE INFORMATION AND MATERIALS ON THE SITE.
LIMITATION OF LIABILITY. Except as otherwise expressly provided in this agreement or otherwise expressly provided by applicable law, rule, or regulation, you agree that neither we nor any entity or person who provides services or products to us ("Service Providers") will be liable for any loss, injury, or damage, including, but not limited to, indirect, incidental, special, consequential, or punitive damages, whether under contract, tort, or any other theory of liability, arising out of or relating to any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line failure, or unauthorized interception or access to your communications with us, even if we or the Service Providers are aware of the possibility of such events. To the extent any law, rule, or regulation provides for us to be liable for any such loss, injury, or damage, but permits our liability to be limited or eliminated by agreement, this paragraph limits or eliminates our liability to the fullest extent permitted.
QUESTIONS. If you have any questions regarding the Site, please contact us.