Terms of Use
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Last updated: August 14, 2015

PLEASE READ THIS AGREEMENT CAREFULLY BEFORE USING THIS SITE

This website (the "Site") is provided by Oxford Life Insurance Company ("Oxford Life" or "we," "us," or "our"). By accessing this Site or otherwise using the online services made available on or accessible through this Site ("Services"), you agree to these terms and conditions ("Terms of Use"). If you do not agree to these Terms of Use, please exit this Site.


Privacy

Your privacy is important to us. The Oxford Life Insurance Company Privacy Policy is incorporated into these Terms of Use by reference. By accepting these Terms of Use, you agree to the collection, use, and sharing of your information, through the Site and Services in accordance with our Privacy Policy.

In order to access the Site, you must be at least 18 years old and a resident of the United States. We do not knowingly market to, or solicit or collect information from, children under the age of 18.


Modifications

We may, at our sole discretion, revise these Terms of Use from time to time. The most current version of these Terms of Use will be made available to you on the Site. If we make material changes to these Terms of Use, we will notify you on the Site by posting a conspicuous notice on the Site prior to the effective date of the changes or otherwise sending you notice of such changes. By continuing to access or use the Site or Services after those changes become effective, you agree to be bound by the revised Terms of Use. If you do not agree to the revised Terms of Use, you must cease use of the Site and Services.


Account Registration and Use

You may visit our publicly available Site subject to the restrictions of these Terms of Use. However, in order to access non-public pages within our Site or any Services via the Site, you will be required to register with us to set up an account and you will be asked to choose a password. You are responsible for ensuring that any information that you provide us is yours and is accurate and truthful. You may also be required to answer certain security questions so that we may later confirm your identity. You are responsible for maintaining the confidentiality of your responses and remembering your responses to those security questions as we may not be able to confirm your identity, and allow you access to Services and other non-public features of the Site, if you do not answer them correctly.

You are entirely responsible for maintaining the confidentiality of your password and may not disclose your password to any third party. You are solely responsible for any and all use of your account, whether or not authorized. We assume that any instructions or communications received through the Site with your login credentials were sent or authorized by you. You agree to notify us immediately if you suspect any unauthorized use of your account or access to your password. You may not use any third party's account, username, or password at any time to access Services.

In the event you use the Services to make changes to your registered account information, products or services that you receive from us, you understand and agree that those changes are legally binding and that Oxford Life can and will rely upon your electronic instructions with respect to the same.


Usage Limitation

You may use the Site solely to access information we may choose to make available on this Site and, if you have registered an account with us to access our online Services to access information via the Site.

We may terminate, change, suspend, or discontinue any aspect of the Site or Services, including the availability of any features of the Site or Services, at any time. We also may impose limits on certain features and services or restrict access to part or all of the Site or Services without notice or liability.

The contents of this Site are protected by United States and international copyright laws and treaty provisions. Materials from this Site may not be copied, distributed or transmitted in any way without our prior written consent. You may download one copy of the materials on this Site for personal, non-commercial use provided that you do not modify the materials in any way, nor delete or change any copyright or trademark notice. All material on this Site may be used for lawful purposes only. Oxford Life reserves complete title and full intellectual property rights for materials downloaded from the Site.

Any unauthorized use of the Site or Services or of the copyrighted, trademarked, or other intellectual property on the Site is strictly prohibited and may be prosecuted to the fullest extent that the law provides. All rights in the intellectual property relating to the Site or Services are reserved, and you agree not to take any action to register or otherwise interfere with or challenge any intellectual property rights relating to the Site or Services.


User Conduct

You agree not to: (1) disrupt or interfere with the security of, or otherwise abuse, the Site, the Services, or any other services, system resources, accounts, servers, or networks connected to or accessible through the Site or affiliated or linked websites; (2) disrupt or interfere with any other person's access, use, or enjoyment of the Site, Services or any affiliated or linked websites; (3) upload, post, or otherwise transmit through or on the Site or Services any viruses or other harmful, disruptive, or destructive files; (4) use or attempt to use or access another person's account or personal information, or create or use a false identity on the Site; (5) attempt to obtain unauthorized access to the Site or Services or portions of the Site that are restricted from general access; and (6) violate any local, state, or federal laws or regulations that apply to your access to or use of the Site or Services. You may not access, use, or copy any portion of the Site or of the content through the use of indexing agents, spiders, scrapers, bots, web crawlers, or other automated devices or mechanisms.


Termination of Access

We reserve the right, in our sole discretion, to terminate your access to all or part of the Site including the Services without notice or liability, for any reason, including, but not limited to, an actual or suspected breach of these Terms of Use. You may not access the Site or Services through the Site after your access is terminated without our written approval. After terminating your access, the limitations upon your use and treatment of materials obtained from this Site will remain in full force.


Information Submitted

Any information, including but not limited to remarks, suggestions, ideas, graphics or other submissions, communicated to Oxford Life through this Site becomes the exclusive property of Oxford Life. Oxford Life is entitled to use any information submitted for any purpose without restriction or compensation to the person sending the submission. You acknowledge the originality of any submission communicated to Oxford Life and accept responsibility for its accuracy, appropriateness and legality.


Liability Restrictions

Oxford Life is not responsible for technical, hardware or software failures of any kind; lost or unavailable network connections; or incomplete, garbled or delayed computer transmissions. Under no circumstances will Oxford Life or its suppliers be liable for any damages or injury that results from the use of the materials on this Site including the Services?. YOU ACKNOWLEDGE, BY YOUR USE OF THE SITE INCLUDING THE SERVICES?, THAT SUCH USE IS AT YOUR SOLE RISK AND THAT WE WILL NOT BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONTINGENT, CONSEQUENTIAL, RELIANCE, OR SPECIAL DAMAGES, LOSSES, OR EXPENSES ARISING IN CONNECTION WITH YOUR USE OF THE SITE, WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE AND EXCLUSIVE REMEDY IS TO CEASE USE OF THIS SITE, EVEN IF SUCH REMEDY SHOULD FAIL OF ITS ESSENTIAL PURPOSE. Some jurisdictions prohibit the exclusion or limitation of liability for consequential or incidental damages, in which case the above limitation may not apply to you.

WE WILL NOT BE LIABLE FOR UNAUTHORIZED ACCESS BY THIRD PARTIES TO YOUR ACCOUNT OR YOUR SYSTEM OR FACILITIES OR PREMISE EQUIPMENT OR FOR UNAUTHORIZED ACCESS TO OR ALTERATION, THEFT, LOSS, OR DESTRUCTION OF YOUR NETWORK, SYSTEMS, APPLICATIONS, DATA FILES, PROGRAMS, PROCEDURES, OR INFORMATION THROUGH ACCIDENT, FRAUDULENT MEANS OR DEVICES, OR ANY OTHER METHOD.

THESE LIMITATIONS OF LIABILITY APPLY, TO THE FULLEST EXTENT PERMITTED BY LAW, REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT OR TORT, AND WILL SURVIVE FAILURE OF AN EXCLUSIVE REMEDY.


No Warranty

This Site and all content on the Site is subject to change without notice. Although efforts have been made to make the Site helpful and accurate, we do not warrant the accuracy of the information or materials on the Site, nor do we warrant any outcome or result as a result of use of or receipt of any Services made available on the Site.

THE SITE AND ITS CONTENT AND SERVICES ARE PROVIDED “AS IS.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTY OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND ANY WARRANTY THAT THE SITE OR CONTENT OR SERVICES ARE OF A REASONABLY ACCEPTABLE QUALITY AND ANY WARRANTIES ARISING FROM A COURSE OF DEALING OR USAGE IN TRADE. WE DO NOT WARRANT THAT FUNCTIONS OR CONTENT CONTAINED ON THE SITE WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR CONTENT ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

If you believe any information about your account or Services you receive from us is incorrect, you may contact us at: (866) 641-9999 .


Indemnity

You agree to defend, indemnify, and hold us and our subsidiaries, affiliates, successors, and assigns, and our and their respective shareholders, directors, officers, employees, and agents, harmless from and against any and all claims, damages, costs, and expenses, including attorneys' fees, arising from or relating to your use of the Site or Services via the Site (except to the extent caused by our material failure to perform under the express obligations of this Agreement), or your violation of this Agreement, including your infringement of any intellectual property or other right or policy of us or any person.


Product and Service Availability

Information on this Site includes descriptions of products and services that are subject to state regulation and therefore may vary by state. As a result, certain products and services may not be available to you. Oxford Life makes no representation that the products and services described on this Site are applicable or appropriate for use in all states.


Enforcement of Terms and Conditions

These terms and conditions are governed and interpreted pursuant to the laws of the State of Arizona, United States of America, notwithstanding any principles of conflicts of law. If any part of these terms and conditions is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of remaining provisions. Oxford Life may terminate this agreement at any time without notice for any reason. Users may terminate this agreement by destroying all materials obtained from the Oxford Life Site.


Security

This Site has security measures in place to protect the loss, misuse and alteration of the information under our control. However, the Internet is not entirely secure and we cannot ensure that such loss, misuse or alteration will not occur.


Links to Third Party Web Sites

Oxford Life makes no representations whatsoever about any other web site which you may access through the Site. When you access a non-Oxford Life web site, please understand that it is independent from Oxford Life, and that Oxford Life has no control over the content on that web site. In addition, a link to a non-Oxford Life web site does not mean that Oxford Life endorses or accepts any responsibility for the content, or the use, of such web site. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, Trojan horses and other items of a destructive nature. Oxford Life makes no representation or warranty as to any third party products.


Trademarks Owned by Oxford Life

"Before Life Presents the Problem®", Affluence™, The Solution®, and “Let our Knowledge be your Security®" are registered trademarks of Oxford Life Insurance Company in the United States. Not all common law marks used by Oxford Life are listed on this page. Failure of a mark to appear on this page does not mean that Oxford Life does not use the mark nor does it mean that the product is not actively marketed or is not significant within its relevant market. No Oxford Life trademark or service mark may be used as a hyperlink without prior written permission.


Contact Us

If you have questions regarding the Site or the Services available through the Site, you may contact us at:

Oxford Life Insurance Company
2721 N Central Ave
Phoenix, Arizona 85004