USE OF WEBSITE
The information contained in this website is for non-commercial, informational purposes only. It is not an offer to sell or a solicitation of an offer to buy or sell any insurance product or service. Sales can only be made by licensed insurance representatives of products approved for sale by insurance regulators in states in which SBLI is licensed. Should you need further information about SBLI's products call our direct sales office.
At any time, and for any reason, SBLI may, without notice, discontinue, change or restrict your use of this Website and make changes in the products and/or services described in this Website.
If any products or services are described or referred to in this Website, you should be aware that not all such products or services may be available in your geographic region of the United States. SBLI reserves the right to determine all eligibility for such products or services in its sole and complete discretion.
You cannot: (a) decompile, reverse engineer, disassemble, or modify this Website or create derivative works based upon this Website or any part thereof; (b) disable any licensing or control features of this Website; (c) introduce into this Website any virus or other code or routine intended to disrupt or damage this Website, or alter, damage or delete any content or materials, or retrieve or record information about this Website or its users; (d) merge this Website or content and materials with another program or create derivative works based on this Website or other content or materials; (e) remove, obscure, or alter any notice of the copyright or other proprietary legends on this Website or the content and materials; (f) sublicense, assign, translate, rent, lease, lend, resell for profit, distribute or otherwise assign or transfer the content or materials or access to this Website to others; (g) use, or allow the use of, this Website or the content and materials in contravention of any federal, state, local, foreign or other applicable law, or rules or regulations of regulatory or administrative organizations; or (h) otherwise act in a fraudulent, illegal, malicious or negligent manner when using this Website.
NO PROFESSIONAL ADVICE
The information available on this Website is intended to be a general information resource regarding the matters covered, and is not offered as legal or other professional advice, and is not tailored to your specific circumstance. You should evaluate all information, opinions and advice available on this Website in consultation with your insurance agent.
This website was created for the convenience of its policyholders and its Internet visitors. The information is presented without express or implied warranties and is provided "AS IS", "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OR NON-INFRINGEMENT
Due to the nature of the Internet, SBLI cannot guarantee the accuracy of the information contained in this website or its suitability for any purpose. SBLI does not guarantee the completeness or authenticity of the information contained on this website, or the information, text, graphics, links, website functionality and other items contained on this server.
SBLI does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available is free of viruses or other harmful components as such information is received by you because SBLI cannot control the transmissions of information over the Internet. The information and products and services descriptions are not necessarily designed to be complete descriptions of all conditions, terms or exclusions applicable to such products or services.
The Website may contain links to third party websites. The linked sites are not under our control, and we are not responsible for the contents of any linked site. SBLI provides these links as a convenience only, and a link does not imply endorsement of, sponsorship of, or affiliation with the linked site by SBLI. You should make whatever investigation you feel necessary or appropriate before proceeding with any transaction with any of these third parties.
THIRD PARTY SERVICES
Services and products of third-parties may be offered through the Website. SBLI 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 such products or the services performed by any such third party or (iv) any other legal liability arising out of or related to the performance of such services or the purchase of such products. As a result, you hereby release SBLI and its affiliates, agents, and employees from any and all claims arising out of or in any way connected with such disputes. If you are a California resident, you waive the California Civil Code 1542, which says: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor."
The use of this website is entirely at your risk.
SBLI SPECIFICALLY DISCLAIMS ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO, USE OF OR RELIANCE ON THE MATERIALS (EVEN IF SBLI OR A SBLI REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) OR THAT ARISE IN CONNECTION WITH MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION TO OR FROM THE USER, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO THIS WEBSITE OR VIRUSES THAT MAY INFECT YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS TO THIS WEBSITE OR THE MATERIALS. This limitation of liability may be different in connection with specific products and services offered by SBLI. Some states do not allow the limitation of liability, so the foregoing limitation may not apply to you.
COPYRIGHT AND TRADEMARK
All the text, images, marks, logos, compilations (meaning the collection, arrangement and assembly of information), data, other content, software and materials displayed on the Website or in connection with the services or products of SBLI, is proprietary to SBLI or to third parties. SBLI expressly reserves all rights, including all intellectual property rights, in all of the foregoing, and except as expressly permitted by this Agreement, any use, redistribution, sale, decompilation, reverse engineering, disassembly, translation or other exploitation of them is strictly prohibited. You may not distribute the text or graphics to others or "mirror" this information on your own server without the express written permission of SBLI or modify or re-use the text or graphics on this system.
SBLI is a Registered Mark of The Savings Bank Life Insurance Company of Massachusetts and may not be used in connection with any service or products other than those provided by SBLI, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits. Any use of such marks, or any others displayed on the Service, will inure solely to the benefit of their respective owners.
You shall defend, indemnify and hold harmless SBLI and its affiliates against any and all claims, actions, proceedings, suits, liabilities, losses, damages, costs, expenses and attorneys' fees arising in connection with your use of the Website and/or your breach of any provision of these Terms. SBLI reserves the right to assume the sole control of the defense and settlement of any claim, action, suit or proceeding for which you are obliged to provide indemnification hereunder. You will cooperate with SBLI with respect to such defense and settlement.
These Terms will be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to the any principles of conflicts of law rules. You agree that any litigation that arises out of or related to these Terms will be filed only in the state or federal courts located in Boston, Massachusetts, and you hereby consent and submit to the personal jurisdiction of such court for the purposes of litigation. If any provision of these Terms are found unlawful, void, or for any reason unenforceable, then that provision will be considered severable from the remaining Terms, and will not affect the validity and enforceability of the remaining provisions.
Information provided by you through this Website is used solely for its business purposes and only in order to serve your needs. We do not sell your personal private information to others. SBLI and its agents are committed to respecting and protecting the privacy of your personal information. However, the Internet is not a completely secure medium of communication. Therefore, we cannot guarantee the privacy of any information you input on this Website or send to us on the Internet. Neither SBLI nor its agents are responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information.
We look forward to communicating with you and have provided many places on this Web site for you to contact us. However, please remember that unless the specific access location says otherwise, all messages sent to or from this Web site can be accessed by other Internet users. To protect your privacy, please do not use e-mail to communicate information you want kept confidential.
Confidentiality is a top priority. We are committed to maintaining the highest level of confidentiality with all of the information we receive from our agents or policy owners, including the information received from this Website.