These Website Terms and Conditions of Use apply to the web site owned and operated by United Benefits, Inc. and its subsidiaries, affiliates, and related group of companies (collectively “United”), including but not limited to: www.unitedbenefitsinc.com(collectively and each separately, the “Site”). Any use of this site constitutes your agreement to these Terms and Conditions of Use.
This Site Contains No Third Party Marketing or Advertising
The members of the United Group of companies are licensed and authorized to offer insurance in various jurisdictions. United Funeral Directors Benefits Life Insurance Company is licensed in the State of Texas and United Funeral Benefit Life Insurance Company is licensed in the State of Oklahoma. All U.S. business placed with these companies must be placed in accordance with U.S. regulatory requirements, and coverage must comply with local law. Nothing in this site should be construed to solicit insurance business from U.S. residents.
Use of Content
The Content is protected by all applicable intellectual property laws, including without limitation, Title 17 of the United States Code. The Content contains trademarks, service marks, copyrighted material, registered and unregistered trademarks of United and its licensors. All rights and title to the content, trademarks, service marks and copyrighted material herein remain with United or its licensors, at United’s discretion.
United licenses you only to view the site, and to download (at your own risk) a single copy of the Content solely for your personal use, provided that you do not publish, abuse, quote, misuse, alter, obscure, or remove any copyright or trademark notice present in the Content. All rights not expressly granted herein are reserved to United and its licensors, and if you violate any of the conditions set forth above, your license to view the Content shall automatically terminate and you must immediately destroy any electronic or paper copies of the Content in your possession. You may not reproduce, duplicate, copy, sell, trade, resell, or exploit for commercial or other gain any portion of the site or the Content. You may not circumvent or disable any security measure adopted by the site (including, without limitation, making available any use passwords or access codes issued to others.) You may not access or use the source code (other than human readable HTML code made available through the ordinary operation of commercial browsers) used to implement and operate the site by any means, including, without limitation, reverse engineering such source code through reverse engineering, decompilation, or disassembly of executable code made accessible through the site. You may not link to this site.
It is your sole responsibility to (i) control the dissemination and use of activation codes and passwords; (ii) authorize, monitor, and control access to and use of your member account and password; (iii) promptly inform United IT Technical Support of any need to deactivate a password. You grant United and all other persons and entities involved in the operation of the site the right to transmit, monitor, retrieve, store, and use any and all of your information in connection with the operation of the site.
United reserves the right, at its sole discretion, to revoke, reduce, limit, restrict or otherwise amend your licensee to view this site, including termination, with or without cause, for any reason or no reason. These actions are in addition to and not in lieu or limitation of any other right or remedy United may have available at law or equity. Further, United shall not be liable to you or any third party for any such termination, restriction, change, amendment or discontinuance.
Choice of Law and Jurisdiction
You expressly agree that exclusive jurisdiction for any dispute with United, or in any way relating to your use of this site, resides in the federal or state courts of Dallas County, in the State of Texas and you further agree and expressly consent to the exercise of personal and subject matter jurisdiction in the courts of the State of Texas in connection with any such dispute including any claim involving United or its affiliates, subsidiaries, employees, contractors, officers, or directors.
These Terms and Conditions of Use are governed by the internal substantive laws of the State of Texas, without respect to its conflict of laws principles. If any provision of these Terms and Conditions of Use is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions of Use, which shall remain in full force and effect.
Liability of United and its Licensors
The use of the site and the Content herein is at your own risk. The site and the Content are provided on an “AS IS” basis. You should not assume that the Content is complete or up to date on any particular topic. United assumes no liability arising from or relating to the delay, failure, omission, action, inaction, interruption, or corruption of any data or other information transmitted in connection with use of the site.
YOUR USE OF THIS SITE AND ITS CONTENTS IS STRICTLY AT YOUR OWN RISK. United and its licensors and suppliers are not liable for direct, indirect, incidental, special, consequential, or other damages, punitive or otherwise, whether foreseeable or unforeseeable, of any kind whatsoever, arising out of or in connection with this site, whether based on warranty, contract, tort, negligence, act, omission, product liability or any other legal or equitable theories, even if United and its licensors and suppliers have been directly or indirectly placed on notice of any defect, omission, or required amendment to the site.
United is not liable to you or anyone else for any decision made or action taken based on reliance upon Content or the site.
UNITED, AND ITS LICENSORS AND SUPPLIERS, EXPRESSLY DISCLAIM ALL WARRANTIES FOR THE CONTENT OF THE SITE, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, TITLE AND FITNESS FOR ANY PARTICULAR PURPOSE.
United, and its licensors and suppliers, make no representations or warranties about (i) the accuracy, reliability, completeness, currency, or timeliness of the Content, software, links, or communications provided on or through the use of the site, and (ii) the satisfaction of government regulations requiring disclosure of information s or the approval or compliance of any software tools with regard to Content provided on the site.
You agree to defend, indemnify and hold United, its officers, directors, employees, agents, licensors and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements (including without limitation reasonable attorney and accounting fees or costs), resulting from or alleged to result from your violation of these Terms and Conditions of Use.
This site may, from time to time, contain links to third-party web sites. The linked sites are not under the control of United, and United is not responsible for the contents of any linked site. United provides these links as a convenience only, and a link does not imply endorsement of, sponsorship of, or affiliation with the linked site by United. You should investigate these links and information on these links as you feel necessary or appropriate before proceeding with any transaction with any of these third parties. Your use of third-party web sites is at your own risk and subject to the terms and conditions of use for such sites. United disclaims any and all liability for any all information set forth on linked sites.
Modifications to Terms and Conditions of Use
Any modifications made to these Terms and Conditions of Use will be effective immediately upon posting on this site. By accessing or using the site, you agree to be bound by all of the Terms and Conditions of Use as posted on the site at the time of your access or use. You agree to review the Terms and Conditions of Use posted on the site each time you use this site so that you are aware of any modifications made to the Terms and Conditions of Use.
If you have any questions regarding these Terms and Conditions of Use, please contact United Benefits, Inc., Attn: Legal Department, P O Box 831670, Richardson, TX 75083-1670 USA.
The above Terms and Conditions of Use are effective as of June 26, 2015.
We may collect individually identifiable information about you from you, your, your employer or other sources. United only uses and discloses such information about you as iterated in the Privacy Rule established under the Health Insurance Portability and Accountability Act of 1996 (HIPAA), any other applicable laws and regulations or agreement with you.
A Special Note About Children
United is committed to protecting the privacy of children. This Site is not designed or intended to attract children 13 years and under. We do not collect any personal information from any person if we know such person is a child under the age of 13. BY ACCESSING THIS SITE, YOU REPRESENT THAT YOU ARE 13 YEARS OF AGE OR OLDER.
Information About You That We Collect
You, your employer or third party vendors providing services on behalf of you may furnish us information about you, such as your name, date of birth, social security number, and zip code. Third party vendors may furnish information to us related to administrative data, in order for us to provide the services of this Site to you. We also may collect information directly from you through your use of the Site, including, but not limited to: demographic information (such as your name, address, date of birth, email and IP address) or other information.
As with many other websites, the Web servers used to operate the Site may collect certain data pertaining to you and the equipment and communications method that you use to access the Internet and the Site. We also may collect other identifying information from or about you in connection with your use of the Site. For example, we may collect and store the content of, and data regarding, any correspondence you may have with us or our representatives, regardless of the subject matter or the mode of communication by which such correspondence is made.
How We Use Information about You
We use information about you that you provide through the Site, or that we otherwise collect, to provide services to you on behalf of you and to run our Company operations. For example, we may use information about you to notify you of opportunities, products, services or other business reasons. We may also use the information that you provide us with to send you information, electronically, by mail, telephone or other means, United also may use information about you to provide services to you or to ensure that software, hardware and other systems are working correctly and securely.
United may combine information about you with information about others who use the Site and remove all personal identifiers from the resulting combined information to create “de-identified information.” We use de-identified information in the development of products and services to meet the continuing needs of our clients, and to analyze and improve the content, features, materials, and opportunities that we may make available on the Site.
If you contact us for support or assistance, we may use information about you or your computer that you provide for purposes such as verifying whether your computer meets the minimum requirements needed to use the Site and our various services.
Data collected by our Web servers or otherwise through use of the Site may be used by us, For instance, the Company may use the data to facilitate Site operation and system administration, to generate aggregated, non-identifiable statistical information, to monitor and analyze Site traffic and usage patterns, and to improve the content and content delivery with regard to the Site and the content, materials, opportunities, and services that we describe or make available on the Site. This data may reveal such things as the Internet Protocol address assigned to your computer, specific pages that you accessed on the Site or immediately prior to visiting the Site, and the length of time you spend at the Site, but without combining these data with other sources of information, they do not readily or personally identify you. For security reasons and to confirm the integrity of our data, however, we may combine components of these data with other sources of information that may identify you.
How We Share or Disclose Information About You
We may share information about you with authorized representatives to provide the services of this Site. We may decide from time to time to utilize a number of trusted business partners in delivering the content available on or through this Site to you. To the extent necessary for purposes of operating the Site, communicating with you, or fulfilling your requests for our services, we may share information about you with these business partners. When we use other companies to provide services to us, we require them to protect the confidentiality of any personal information they receive from us or collect on our behalf and to use such information only for the limited purpose of providing the services on our behalf.
In certain limited circumstances, we may disclose information about you, if we become subject to a subpoena, search warrant or court order, or if we are otherwise legally required to disclose such information. United may, for instance, disclose information about you as necessary to establish or exercise our legal rights, to enforce the Terms and Conditions of Use, to assert and defend against legal claims, in connection with a corporate transaction resulting in a transfer of the assets or line of business relating to such data, to protect, secure or amend our data, systems, products or services, and to investigate, prevent, or take other action regarding actual or suspected illegal or fraudulent activities. United also may disclose such information in special cases, such as in response to a potential threat to the physical safety or well-being of you or others or to protect property.
“Cookies” are small files of data that reside on your computer and allow us to recognize you as a United client if you return to the Site using the same computer and browser. We send a “session cookie” to your computer if and when you log in to your United account. These cookies allow us to recognize you if you visit multiple pages in the Site during the same session, so that you don’t need to re-enter your password multiple times. Once you log out or close your browser, these session cookies expire and no longer have any effect.
We also use longer-lasting cookies to display your user name on our sign-in form, so that you don’t have to retype the e-mail address each time you log in to your United account. Our cookie files are encoded so that any information stored in them may only be interpreted by the servers on the Site.
Web browsers and other software allow you to erase cookies from your computer’s hard drive, to block or reject all cookies, or to receive a warning before a cookie is stored. If you choose to reject cookies, you may not be allowed access to the Site or it may not operate efficiently or the way it was intended.
United Provides the Site in a Secure Environment
United maintains physical, electronic, and procedural safeguards designed to comply with applicable standards to help guard information about you and to assist us in preventing unauthorized access to that information. Nevertheless, no set of security safeguards is guaranteed to be impenetrable. We cannot and do not guarantee that communications to or from the Site, or that data transmitted or stored on or through the Site, are or will be totally secure from loss, misuse or unauthorized access by third parties.
United maintains identifiable information about you on this Site exclusively on servers located in the United States.
You Have Options
When corresponding with United or our representatives, or when making a request for information or otherwise interacting with United through the Site, you choose what information to supply, what questions to pose, and what comments to make, whether you wish to receive further information, and how we should provide such information. Please take care to share only information that you believe is appropriate.
There may be opportunities on the Site for you to opt-in or opt-out of certain uses and disclosures of information specific to particular tools or sections of the Site. There also may be opportunities for you to designate how you would like your e-mail address to be used or not used by United for purposes related to the services provided through the Site. Please take care to evaluate these options where they are available.
If you wish to remove information about you from the Site, please contact United at the following address:
United Benefits, Inc.
Attn: Privacy Officer
P O Box 831670
Richardson, TX 75083-1670 USA
Please be aware that it may not be technologically possible to remove each and every data record from our servers.
If you have any questions or concerns regarding the privacy of your information, please contact United at the above address. United is committed to maintaining the privacy and security of your information consistent with all applicable legal requirements and the terms of this Policy and will review all legitimate concerns.
BY ACCESSING OR USING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND CONSENT TO OUR PRIVACY PRACTICES AND TO THE USES AND DISCLOSURES OF INFORMATION THAT WE COLLECT ABOUT YOU AND YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF USE APPLICABLE TO YThis Privacy Notice is effective as of June 26, 2015.