TERMS AND CONDITIONS OF USE
AGREEMENT TO RULES OF USER CONDUCT
You agree to abide by the Society Rules of User Conduct, including, but not limited to, agreeing not to use the Site for any unlawful purpose. A copy of the Rules of User Conduct, which you should review can be found below.
The Site may produce automated search results or otherwise link you to other websites on the Internet. These websites may contain information or material that some people may find inappropriate or offensive. These other websites are not under the control of the Society, and you acknowledge that the Society is not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such websites. The inclusion of such a link does not imply endorsement of the website by the Society or any association with its operators.
Reproduction, copying, or redistribution for commercial purposes of any materials or design elements on the Site is strictly prohibited without the express written permission of the Society. Permission is granted only when certain limited criteria are met. For information on requesting such permission, please contact: Web Developer at firstname.lastname@example.org.
DISCLAIMER OF WARRANTIES
THE SITE AND ALL MATERIALS, INFORMATION, SOFTWARE, DOCUMENTATION, PRODUCTS, AND SERVICES INCLUDED ON OR AVAILABLE THROUGH THE SITE OR USED TO ACCESS, EXPLORE OR OTHERWISE USE THE SITE (COLLECTIVELY, THE "CONTENT"), ARE PROVIDED "AS IS" AND "AS AVAILABLE" FOR YOUR USE. THE SITE AND THE CONTENT ARE PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. THE SOCIETY, ITS SUBSIDIARIES, AND ITS LICENSORS DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THE SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THE SITE IS SOLELY AT YOUR RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THESE EXCLUSIONS MAY NOT APPLY TO YOU.
LIMITATION OF LIABILITY
UNDER NO CIRCUMSTANCES SHALL THE SOCIETY, ITS SUBSIDIARIES, ITS LICENSORS , OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR INABILITY TO USE, THE SITE. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF THE SOCIETY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LIABILITY. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE SOCIETY’S LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.
The entire content (including text and "look and feel" attributes) of the Site is copyrighted © 2013 by Woodmen of the World Life Insurance Society and/or Omaha Woodmen Life Insurance Society. All rights reserved. Any use of such content requires the written permission of Woodmen of the World Life Insurance Society and/or Omaha Woodmen Life Insurance Society . All rights reserved.
Because of the marked increase in the fabrication and proliferation of computer viruses affecting the Internet, we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. The Society is not responsible or liable for any damage caused by such hazards.
SECURITY AND EMAIL
Be aware that Internet and email communications are inherently not confidential. It is possible that information transmitted to or from the Society may be read or obtained by other parties.
The Society uses up to 128-bit encryption (data scrambling) on certain portions of the Site but no encryption on other portions of the Site. When you are on any web site that asks you for confidential information (your social security number or a bank or credit card account number, for example), you should verify the identity of the requesting website and check to see if the information being transmitted is encrypted in order to increase the security of your information.
We welcome your email correspondence, but if you need to send confidential information and are concerned about its security, please consider sending it by phone or regular mail.
You agree to defend, indemnify, and hold harmless the Society, its licensors, and its subsidiaries, and other affiliated companies, and all of their employees, contractors, officers, and directors from any and all liabilities, claims, losses, and expenses, including attorney’s fees, that arise from your use or misuse of the Site. The Society reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with the Society in asserting any available defenses.
Any statement made on the Site via a newsgroup, message board, email, forum, conference, chat, or other interactive component of the Site reflects only the views of its author. Forum managers, forum hosts, merchants, and other authors whose statements appear on the Site are not authorized spokespersons of the Society, and their views do not necessarily reflect those of the Society.
LICENSES AND IDEA SUBMISSIONS
You agree to grant to the Society a non-exclusive, worldwide, royalty-free, perpetual license, with the right to sublicense, reproduce, distribute, transmit, create derivative works of, publicly display and publicly perform any materials and other information (including, without limitation, ideas contained therein for new or improved products or services) you submit to public areas of the Society (such as electronic bulletin boards, forums and chat rooms) by any means and in any media now known or hereafter developed. You hereby waive your moral rights in any such materials and information, and you hereby warrant that any such materials and information are original with you, or that you have the right to submit such materials and information. You agree that you shall have no recourse against the Society for any alleged or actual infringement or misappropriation of any proprietary right in any information contained in your communication to the Society or the Site.
THIRD PARTY RIGHTS
The Society makes no representation that materials on the Site are appropriate or available for use in locations outside the United States, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access the Site from locations outside of the United States do so on their own initiative and are responsible for compliance with applicable laws.
CHOICE OF LAW AND FORUM
SEVERABILITY AND INTEGRATION
NOTICES REGARDING SOFTWARE, DOCUMENTS AND SERVICES AVAILABLE ON THE SITE
IN NO EVENT SHALL THE SOCIETY AND/OR ITS RESPECTIVE SUPPLIERS BE LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF SOFTWARE, DOCUMENTS, OR INFORMATION, OR THE PROVISION OF OR FAILURE TO PROVIDE SERVICES.
NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT
We take protection of copyrights very seriously. Pursuant to Title 17, United States Code, Section 512(c), notifications of claimed copyright infringement should be sent in writing to the Society's designated agent whose contact information appears directly below:
Vice President and General Counsel
Woodmen of the World Life Insurance Society and/or
Omaha Woodmen Life Insurance Society
1700 Farnam Street
Omaha, NE 68102
Inquiries not relevant to claims of copyright infringement will not receive a response.
The Society reserves the right, in its sole discretion, to terminate your access to all or part of the Site, with or without notice.
RULES OF USER CONDUCT
By posting information in or otherwise using any communications service, chat room, message board, newsgroup, software library, or other interactive service that may be available to you on or through the Site, you agree that you will not upload, post, or otherwise distribute or facilitate distribution of any content -- including text, communications, software, images, sounds, data, or other information -- that:
is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another's privacy, tortious, contains explicit or graphic descriptions or accounts of sexual acts (including, but not limited to, sexual language of a violent or threatening nature directed at another individual or group of individuals), or otherwise
victimizes, harasses, degrades, or intimidates an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability;
infringes on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party;
constitutes unauthorized or unsolicited advertising, junk or bulk email (also known as "spamming"), chain letters, any other form of unauthorized solicitation, or any form of lottery or gambling;
contains software viruses or any other computer code, files, or programs that are designed or intended to disrupt, damage, or limit the functioning of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of any third party; or
impersonates any person or entity, including any employee or representative of the Society.
You also agree that you will not harvest, collect, or compile information about the users or members of the Site or use such information for the purpose of transmitting or facilitating transmission of unsolicited bulk electronic e-mail or communications.
The Society generally does not pre-screen, monitor, or edit the content posted by users of communications services, chat rooms, message boards, newsgroups, software libraries, or other interactive services that may be available on or through the Site. However, the Society and its agents have the right, at their sole discretion, to remove any content that, in the Society's judgment, does not comply with the Rules of User Conduct or is otherwise harmful, objectionable, or inaccurate. The Society is not responsible for any failure or delay in removing such content.
WHO WE ARE
Woodmen of the World Life Insurance Society and/or Omaha Woodmen Life Insurance Society (NAIC #57320) is a Nebraska corporation licensed to sell life and health insurance, and annuity products under the name of Woodmen of the World Life Insurance Society in all states and the District of Columbia, except California, Colorado, Idaho, Montana, Nevada, Oregon, Utah, Washington and Wyoming. In those states, Woodmen is licensed to sell life and health insurance and annuity products under the name of Omaha Woodmen Life Insurance Society. "Woodmen" means Omaha Woodmen Life Insurance Society for viewers accessing this web site in California, Colorado, Idaho, Montana, Nevada, Oregon, Utah, Washington and Wyoming; and Woodmen of the World Life Insurance Society for all viewers accessing this web site in all other states and the District of Columbia. Not all products are available in all states. Woodmen is a U.S. company serving U.S. residents.
Woodmen is an Equal Access fraternal benefit society. It is the policy of Woodmen to seek qualified members on a nondiscriminatory basis and to provide all members with equal access to and allow their participation in Woodmen's chapter system, chapter events, fraternal benefits and all other fraternal activities on a nondiscriminatory basis.
Mail: Matthew Ellis
Woodmen of the World Life Insurance Society and/or
Omaha Woodmen Life Insurance Society
1700 Farnam Street
Omaha, NE 68102