TERMS OF USE

General
The information contained herein is not intended to constitute an offer to sell or a solicitation in connection with any product, security or service. It is provided solely for general informational purposes.

Assurant Health does not warrant the accuracy or completeness of the information, text, graphics, links or other content contained on this Site or any other server. Assurant Health makes no representation concerning the suitability of this documentation for any purpose. It is provided "as is" without express or implied warranty. This Site may contain hyperlinks to Web sites operated by parties other than Assurant Health. Such hyperlinks are provided solely as a matter of convenience. Assurant Health does not control such Web sites and is not responsible for their contents. The inclusion of hyperlinks to such Web sites does not imply any endorsement, approval or certification by Assurant Health of the material on such Web sites or any association with their operators.

Limitation of Liability
Assurant Health expressly disclaims all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security and accuracy. Information in this Site may be changed or updated without notice, Assurant Health has no obligation to update information on this Site, and so such information may be out of date at any given time. Assurant Health also may make improvements or changes in products described on this Site at any time without notice.

Assurant Health specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damage arising out of or in any way connected with access to or use of this Site (even if Assurant Health has been advised of the possibility of any such damage), including any liability associated with any virus that may infect a User's computer equipment. Under no circumstances will Assurant Health be liable for any loss or damage caused by a User's reliance on information obtained through this Site. It is the responsibility of each User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through this Site.

No Representation as to Suitability
Assurant Health makes no representation as to the financial or other suitability of any product described on this Site for any User.

Copyright and Trademarks
All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the "Marks") displayed on this Site are the property of Assurant Health. Users are prohibited from using any Mark for any purpose without the express written permission of Assurant Health.

Ownership
The design, text and images of this Site are owned, controlled or licensed by Assurant Health. Assurant Health and/or its licensors retain all right, titles and interest to all material provided on this Site. The posting of information and material on this Site does not constitute a waiver by Assurant Health or any of its licensors of any rights in such material and does not transfer any rights to any User of the Site.

Linking
The User may leave this Site and access other sites on the World Wide Web that Assurant Health does not maintain. Assurant Health is not responsible for the content available on any other site on the World Wide Web linked to this Site and disclaims any responsibility for such other sites. Access to any such other site linked to this Site is at the User's own risk.

Information Collection
As part of the normal operation of our Site, we may collect a limited amount of information about your visit. The information we may track includes the URL you just came from, which URL you go to after leaving our Site, what browser you are using, and your Internet provider address. This type of information is tracked by many Web sites in order to make sure that visitors are able to use the site information and functions successfully. None of this standard tracking information is personally identifiable. Assurant Health does not collect personally identifiable information (information that reveals the visitor's identity) about a visitor unless the visitor knowingly and voluntarily provides such information.

Your Internet User Information
When you come to this Web site, we log your current Internet address (this is usually a temporary address assigned by your Internet service provider when you log in), the type of operating system you are using, and the type of browser software used. In addition, we may keep track of what areas of our Web site you visit. This information helps us improve our site and ensure that the information you need is easy to access. While we track this information about the technology you are using, we do not identify who you are. You will remain anonymous to our system unless you choose to tell us who you are. For example, when you submit a question via our e-mail submit form, this information is kept confidential and only disclosed to those who may be able to help answer your question within the company. We do not disclose your personal information to other companies who intend to sell their products or services to you. For example, we will not sell your name or E-mail address to a catalog company.

Provider Links
Assurant Health does not guarantee that information contained within network provider directories is accurate, nor does Assurant Health guarantee the availability of any particular provider. Assurant Health does not guarantee that all services provided at a preferred provider organization (PPO) hospital, PPO surgery center, or PPO physician or dental office will be provided by a PPO provider. To assure the provider you choose is currently a participating network provider, call the phone number listed on your I.D. card.

Laws and Regulations
Access to and use of this Site are subject to all applicable federal, state and local laws and regulations.

Access to Password Protected or Secure Areas
Access to and use of password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution.

Forward-Looking Statements
This Site includes "forward-looking statements" that express expectations of future events and/or results. All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and Assurant Health cannot give assurance that such statements will prove to be correct.

Changes to Terms and Conditions
Assurant Health reserves the right to revise theses Terms and Conditions at any time and Users are deeded to be apprised of and bound by any changes to these Terms and Conditions.

Violations of Terms and Conditions
Assurant Health reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site.