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.

1. USE OF MATERIALS ON THE SITE

CSO invites you to view, use and download small portions of the content (including without limitation text, graphics, software, audio and video files and photos) of this web site for your informational, non commercial use, provided that you leave all the copyright notices or other proprietary notices intact. You may not store, modify, reproduce, transmit or distribute a significant portion of the content on this web site, or the design or layout of the web site or individual sections of it, in any form or media. The commercial use, reproduction, transmission or distribution of any information, software or other material available through the web site without the prior written consent of CSO is strictly prohibited.

You understand that CSO may, at any time, for any reason and without notice, discontinue, change or restrict your use of this web site and make changes in the products and/or services described in this web site.

By using this web site, you represent that you are at least 18 years old and are a United States resident. If you are under 18 or not a U.S. resident, do not use this web site.

2. ELIGIBILITY FOR INSURANCE PRODUCTS AND SERVICES

Not all of the products or services described on this web site are available in all geographic areas of the United States. You may not be eligible for all of the insurance products or services described in this web site. CSO reserves the right to determine all eligibility for such products or services in its sole discretion.

3. NO PROFESSIONAL ADVICE

The information available on the web site is intended to be a general information resource regarding the matters covered, but is not offered as legal, accounting or other professional advice, and is not tailored to your specific circumstance. YOU SHOULD EVALUATE ALL INFORMATION, OPINIONS AND ADVICE AVAILABLE ON THIS WEB SITE IN CONSULTATION WITH YOUR INSURANCE SPECIALIST.

4. LINKS

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 CSO site, please contact us.

5. THIRD PARTY SERVICES AND PRODUCTS

Certain services and products are offered by third parties through this web site. CSO is not and will not be responsible for (i) the terms and conditions of any transaction between you and any such third party, (ii) any insufficiency of or problems with any such third party's background, insurance, credit or licensing, (iii) the quality of services performed by any such third party or (iv) any other legal liability arising out of or related to the performance of such services. Because we are not involved in the actual transaction between you and any such third party, in the event you have a dispute with any such third party, you release CSO and its affiliates, agents, and employees from any and all claims arising out of or in any way connected with such disputes.

6. INDEMNIFICATION AND INJUNCTION

You agree to defend, indemnify, and hold harmless CSO, its affiliates and subsidiaries, and all of their respective directors, officers, employees, representatives, proprietors, partners, shareholders, principals, agents, predecessors, successors, assigns, and attorneys from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including attorney's fees and litigation expenses) relating to or arising from your use of the site, any breach by you of these Terms and Conditions, your negligent or intentional acts, errors or omissions in regard to the subject matter of this Agreement, or your failure to comply with applicable laws.

7. GOVERNING LAW AND JURISDICTION

This Agreement is governed by the laws of the State of Nebraska without regard to that state's principles or conflicts of laws. You consent to the jurisdiction of the Federal and state courts presiding in Omaha, Nebraska, and agree to accept service of process by mail and hereby waive any and all jurisdictional and venue defenses otherwise available. This site is controlled and operated by CSO from its offices within the United States. CSO makes no representation that materials in the site are appropriate or available for use in other locations, and access to them from territories where their contents are illegal is prohibited. Those who choose to access this site from other locations do it on their own volition and are responsible for compliance with applicable local laws.

8. VISITOR SUBMISSIONS

By providing information or materials to this web site (other than personal information subject to CSO's Privacy Policy), you grant to CSO an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, and transmit such information and materials for any purpose, including without limitation, disclosing any such information and materials as necessary to satisfy any law, regulation, or governmental request. You agree not to submit or transmit any E-mails or materials through the web site that (i) are defamatory, threatening, obscene or harassing, (ii) contain a virus, worm, Trojan horse or any other harmful component, (iii) incorporate copyrighted or other proprietary material of any third party without that party's permission or (iv) otherwise violate any applicable laws. CSO shall not be subject to any obligations of confidentiality regarding any information or materials that you submit except as specified in CSO's Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

9. EMPLOYMENT OPPORTUNITIES

The CSO companies are committed to the principles of equal employment opportunity. Applications are considered for all positions without regard to race, sex, sexual orientation, color, religion, national origin, age, disability (so long as such disability can be reasonably accommodated) or any other status protected by applicable law. CSO encourages all qualified applicants to apply.

10. THIRD PARTIES MAY HAVE RIGHTS UNDER THIS AGREEMENT

The provisions of this Agreement are for the benefit of CSO, its subsidiaries and affiliates and their respective officers, directors, 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.

Central States Health & Life Co. of Omaha, NAIC Company Code Number 61751, is licensed to do business in 49 states, the District of Columbia, Puerto Rico, and Guam. CSO is not licensed in the state of New York. CSO is a domiciliary of, and has its principal place of business in, the State of Nebraska.