LEGAL TERMS OF SERVICE (TOS)

IMPORTANT - THE MATERIALS AND SOFTWARE YOU SEEK TO VIEW OR DOWNLOAD BY ENROLLING IN THE TRAINING PROGRAM OR USING THIS SITE ARE LICENSED ONLY ON THE CONDITION THAT YOU AGREE TO THE TERMS AND CONDITIONS IN THE TERMS OF SERVICE ("TOS") SET FORTH BELOW. PLEASE READ THE TERMS OF SERVICE CAREFULLY.

IF YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS CONTAINED IN THE TOS, PLEASE CLICK ON THE BOX ON THE BOTTOM OF THIS PAGE LABELED "I ACCEPT," AT WHICH TIME YOU WILL BE ABLE TO ENROLL IN THE TRAINING PROGRAM AND HAVE ACCESS TO THE MATERIALS AND SOFTWARE.

IF YOU DO NOT AGREE TO THE TERMS OF SERVICE, PLEASE CLICK ON THE BOX ON THIS PAGE LABELED "I DO NOT ACCEPT," WHICH WILL RETURN YOU TO THE PREVIOUS WEB PAGE WITHOUT COMPLETING THE ENROLLMENT PROCESS.

1. LICENSE GRANT. This Program/Site is provided by AHIP. This TOS provides you, a "User", with a personal, revocable, limited, non-exclusive, royalty-free, nontransferable license to use this Site conditioned on your continued compliance with the terms and conditions of this TOS. You may print a single copy of the materials and information from this Site to a single computer solely for your personal or internal non-commercial use, provided that all hard copies contain all copyright and other applicable notices contained in such materials and information. This TOS is a license and not an assignment or sale. Any rights granted hereby are licensed and not sold or otherwise transferred to you. Accordingly, you expressly acknowledge and agree that AHIP transfers no ownership or intellectual property interest in the Program and to the Site to you or anyone else.

2. LICENSE GRANT RESTRICTIONS. Notwithstanding the foregoing, you may not modify, alter, translate, decompile, reverse engineer, create derivative work(s) of, copy, distribute, disassemble, broadcast, transmit, reproduce, publish, display, remove or alter any proprietary notices or labels, license, sublicense, transfer, sell, mirror, frame, exploit, rent, lease, grant a security interest in, transfer any right(s) in, or otherwise use in any manner not expressly permitted herein the Program or Site. Moreover, you may not (i) use any "deep link," "page scrape," "robot," "spider," or other automatic device, program, algorithm, or methodology, or any similar or equivalent manual process, to access, acquire, copy, or monitor any portion of the Program or Site or in any way reproduce or circumvent the navigational structure or presentation of the Program or Site to obtain or attempt to obtain any materials, documents, or information through any means not purposely made available through the Program or Site, (ii) attempt to gain unauthorized access to any portion or feature of the Program or Site or any other systems or networks connected to the Program or Site or to any server or to any of the services offered on or through the Program or Site, by hacking, password "mining," or any other illegitimate means, (iii) probe, scan, or test the vulnerability of the Program or Site or any network connected to the Program or Site, nor breach the security or authentication measures on the Program or Site or any network connected to the Program or Site, (iv) reverse look-up, trace, or seek to trace any information on any other user of or visitor to the Program or Site, (v) take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Program or Site or AHIP's systems or networks or any systems or networks connected to the Program or Site, (vi) use any device, software, or routine to interfere with the proper working of the Program or Site or any transaction conducted on the Program or Site, or with any other person's use of the Program or Site, (vii) forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to AHIP on or through the Program or Site, (viii) use the Program or Site to transmit viruses, worms, Trojan horses, or other items or programs of a contaminating or destructive nature, and (ix) use the Program or Site for any unauthorized purpose, including any unauthorized commercial purpose. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, COPYING OR REPRODUCING ANY SERVICES, PROGRAMS, PRODUCTS, OR MATERIALS PROVIDED BY AHIP TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. AHIP reserves the right to bar, restrict, suspend, or terminate any restricted activity and any User's access to the Program or Site.

3. NATURE OF THE PROGRAM OR SITE. This program/site provides users with health care, insurance and government program information and resources.

4. USER OBLIGATIONS. By enrolling in this Program and installing, accessing, or using this Site, you represent that you are at least eighteen (18) years of age and will, at all times, provide true, accurate, current, authorized, and complete information when submitting information or materials on this Site, including, without limitation, when you provide information via a Program or Site registration form. If you provide any false, inaccurate, untrue, unauthorized, or incomplete information, AHIP reserves the right to terminate your enrollment and access and use of this Site. In addition, you agree to abide by all applicable local, state, national, and international laws and regulations with respect to your use of this Program or Site and agree not to interfere with the use and enjoyment of this Program or Site by other Users and AHIP's operation or management of this Program or Site. Moreover, you agree not to: impersonate any other person or entity, whether actual or fictitious, including impersonating an employee or representative of AHIP, when using this Program or Site, or defame or otherwise harm any party, including AHIP, through the use of this Program or Site or any function of this Program or Site.

5. PROPRIETARY RIGHTS. All text, graphics, user interfaces, visual interfaces, photographs, sounds, artwork, computer code (including html code), programs, software, products, information, and documentation as well as the design, structure, selection, coordination, expression, "look and feel," and arrangement of any content contained on or available through the Site, unless otherwise indicated, are owned, controlled, and licensed by AHIP and are protected by law including, but not limited to, United States copyright, trade secret, patent, and trademark law, as well as other state, national, and international laws and regulations. Except as expressly provided herein, AHIP does not grant any express or implied right to you or any other person under any intellectual or proprietary rights. Accordingly, your unauthorized use of this Program or Site may violate intellectual property or other proprietary rights laws as well as other laws, regulations, and statutes. Please be aware that AHIP actively and aggressively enforces its intellectual property rights to the fullest extent of the law. This Program and Site is Copyright © 2007 America's Health Insurance Plans and/or its licensors. All rights reserved. AHIP also owns a copyright in the contents of the Program or Site as collective work and/or compilation and in the selection, coordination, arrangement, and enhancement of the content of this Program or Site. Any software and other downloadable or printable programs, information, or materials available through this Program or Site and all copyrights, trade secrets, and know-how related thereto, unless otherwise indicated, are owned by AHIP and/or its licensors. AMERICA'S HEALTH INSURANCE PLANS, AHIP, the AHIP logo, and all other names, logos, and icons identifying AHIP and its products and services are proprietary trademarks of AHIP, and any use of such marks without the express written permission of AHIP is strictly prohibited. Other product and company names mentioned herein may be the trademarks and/or service marks of their respective owners.

6. OTHER TERMS AND CONDITIONS. Additional terms and conditions (available when you access particular features or areas of this Program or Site) may apply to the downloading of software and to specific portions or features of the Program or Site, all of which are made a part of this TOS by this reference. You agree to abide by such other terms and conditions, including where applicable representing that you are of sufficient legal age to use or participate in such service or feature. If there is a conflict between this TOS and the terms posted for or applicable to a specific portion of the Program or Site, including for any service offered on or through the Program or Site, the latter terms shall control with respect to your use of that portion of the Program or Site or the specific service. AHIP's obligations, if any, with respect to its products and/or services are governed solely by the agreements pursuant to which they are provided, and nothing in the Program or on this Site should be construed to alter such agreements.

7. PRIVACY POLICY. AHIP considers your personal identifying information to be private. Nevertheless, you understand, acknowledge, and agree that the operation of certain portions of the Program or Site and/or the receipt of certain information or services requires the submission, use, and dissemination of various personal identifying information. Accordingly, if you wish to access and use those areas of the Program or Site or receive information or services, you acknowledge and agree that your use of this Program or Site will constitute acceptance of AHIP's personal identifying information collection and use practices. Please see AHIP's Privacy Policy, available at www.ahip.org, for a summary of AHIP's personal identifying information collection and use practices.

8. RESPONSIBILITY FOR USE. Use of the Internet and this Program or Site is solely at your own risk and is subject to all applicable local, state, national, and international laws and regulations. While AHIP has endeavored to create a secure and reliable Site, you should understand that the confidentiality of any communication or material transmitted to/from the Program or Site over the Internet or other global communication network cannot be guaranteed. Moreover, you understand that the technical processing and transmission of the Program or Site may involve transmission over various networks. Accordingly, AHIP is not responsible for the security of any information transmitted via the Internet, the availability of such information, the accuracy of the information contained on the Program or Site, or for the consequences of any reliance on such information. You assume sole and complete risk for enrolling in the Program and using this Site and must make your own determination as to these issues.

9. ENFORCING SECURITY ON THE SITE. Actual or attempted unauthorized use of the Program or Site may result in criminal and/or civil prosecution, including, without limitation, punishment under the Computer Fraud and Abuse Act of 1986. AHIP reserves the right to view, monitor, and record activity on the Program Site without notice or permission from you. Any information obtained by monitoring, reviewing, or recording is subject to review by law enforcement organizations in connection with investigation or prosecution of possible criminal activity on the Program Site. AHIP will also comply with all court orders involving requests for such information. In addition to the foregoing, AHIP reserves the right to at any time, and without notice, to modify, suspend, terminate, or interrupt operation of or access to the Program Site, or any portion of the Program Site, for any reason.

10. SUBMISSIONS. AHIP welcomes your feedback and suggestions about how to improve this Program or Site. By transmitting any suggestions, information, material, or other content (collectively, "feedback") to AHIP, you represent and warrant that such feedback does not infringe the intellectual property or proprietary rights of any third party (including, without limitation, patents, copyrights, or trademark rights) and that you have all rights necessary to convey such feedback to AHIP. In addition, any feedback received through this Site will be deemed to include a royalty-free, perpetual, irrevocable, transferable, non-exclusive right and license for AHIP to adopt, publish, reproduce, disseminate, transmit, distribute, copy, use, create derivative works, and display (in whole or in part) worldwide, or act on such feedback without additional approval or consideration, in any form, media, or technology now known or later developed for the full term of any rights that may exist in such content, and you hereby waive any claim to the contrary.

11. THIRD PARTY PRODUCTS/SERVICES. You acknowledge and agree that this Program or Site may feature materials, products, and services provided by Users and third parties. AHIP makes no representations with respect to, nor does it guarantee or endorse, the quality, non-infringement, accuracy, completeness, timeliness, reliability, or correct sequencing of such third party materials, products, and services or any other materials, products, and services which such third party materials, products, and services may access. AHIP expressly disclaims responsibility and liability for all third party provided materials, products, and services contained on or accessed through the Program or Site.

12. ADVERTISERS ON THIS SITE. AHIP, in its sole discretion, may post (and remove at any time) the advertisements of third parties on this Site. The inclusion of advertisements on the Site does not imply endorsement of the advertised products or services by AHIP. Your correspondence or any other dealings with advertisers found on this site are solely between you and such advertiser. You agree that AHIP shall not be responsible for any loss or damage of any sort incurred as a result of any such dealings or as the result of the presence of such advertisers on this Site. Moreover, AHIP shall not be responsible or liable for the statements or conduct of any third party on this Site.

13. LINKS TO THIRD PARTY WEB SITES. AHIP may provide, in its sole discretion, links (including any link through an on-line banner advertisement) to other sites on the World Wide Web for your convenience in locating related information, products, and services. These sites have not necessarily been reviewed by AHIP and are maintained by third parties over which AHIP exercises no control. Accordingly, AHIP expressly disclaims any responsibility for the content, the materials, the accuracy of the information, and/or quality of the products or services provided by or advertised on these third party web sites. Moreover, these links do not imply an endorsement with respect to any third party or any web site or the products or services provided by any third party. You assume sole and complete risk for accessing these third party Web sites.

14. LINKS TO THIS SITE. AHIP encourages and permits text links to this Site and its content. AHIP permits you to post a link to this Site only with express written consent by AHIP. AHIP is an organization committed to the highest ethics and standards and therefore, any links to this Site should not suggest that AHIP promotes or otherwise endorses any third party products, services, causes, campaigns, websites, content, or information. Moreover, no link may be used for commercial or fundraising purposes. AHIP also reminds you that a link may not use or include any other AHIP logos, content, or designs without the express written consent of AHIP.

15. EVENTS BEYOND AHIP'S CONTROL. You expressly absolve and release AHIP from any claim of harm resulting from a cause beyond AHIP's control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes, or other labor problems, wars, or governmental restrictions.

16. DISCLAIMER. WHILE AHIP ENDEAVORS TO PROVIDE THE MOST ACCURATE, UP-TO-DATE, AND RELIABLE INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SOFTWARE, SERVICES, AND MATERIALS AVAILABLE, THE INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SOFTWARE, SERVICES, AND MATERIALS AVAILABLE ON OR THROUGH THIS SITE ARE PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS AND MAY INCLUDE ERRORS, OMISSIONS, OR OTHER INACCURACIES. MOREOVER, AHIP MAY MAKE MODIFICATIONS AND/OR CHANGES IN THIS SITE OR IN THE INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SOFTWARE, SERVICES, AND MATERIALS DESCRIBED IN OR AVAILABLE THROUGH THIS SITE AT ANY TIME AND FOR ANY REASON. YOU ASSUME THE SOLE RISK OF MAKING USE AND/OR RELYING ON THE INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SERVICES, AND MATERIALS AVAILABLE ON OR THROUGH THIS SITE. AHIP MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT THE SUITABILITY, COMPLETENESS, TIMELINESS, RELIABILTY, LEGALITY, OR ACCURACY OF THE INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SERVICES, AND MATERIALS DESCRIBED ON OR AVAILABLE THROUGH THIS SITE FOR ANY PURPOSE. THE INFORMATION AVAILABLE THROUGH THIS SITE IS NOT INTENDED TO SERVE AS LEGAL ADVICE. ALL SUCH INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SERVICES, AND MATERIALS ARE PROVIDED WITHOUT WARRANTY OF ANY KIND, INCLUDING, WITHOUT LIMITATION, ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

17. LIMITATION OF LIABILITY. IN NO EVENT SHALL AHIP BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SERVICES, AND MATERIALS AVAILABLE THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF UTILIZATION OF THIS SITE, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF AHIP HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABLITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY. NOTWITHSTANDING THE FOREGOING, TOTAL LIABILITY OF AHIP FOR ANY REASON WHATSOEVER RELATED TO USE OF THIS SITE SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU TO AHIP IN CONNECTION WITH THE SUBJECT MATTER OF THE PARTICULAR DISPUTE.

18. INDEMNITY. You agree to defend, indemnify, and hold harmless AHIP and its affiliates and all of their employees, agents, directors, officers, proprietors, partners, representatives, shareholders, servants, attorneys, predecessors, successors, and assigns from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including reasonable attorneys' fees and litigation expenses), relating to or arising from your use of the Program or Site and any breach by you of this TOS. AHIP reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with AHIP's defense of such claim and cover any related expenses or fees as stated herein.

19. GOVERNING LAW. This TOS has been made in and will be construed and enforced in accordance with the laws of the District of Columbia as applied to agreements entered into and completely performed in the District of Columbia. Any action to enforce this TOS will be brought in the federal or state courts presiding in Washington, DC, U.S. and all parties to this TOS expressly agree to be subject to the jurisdiction of such courts. This Program/Site is controlled and operated by AHIP from its offices within the United States. AHIP makes no representation that the Program or Site is appropriate or available for use in other locations, and access to the Program or Site from territories or nations where any aspect of the Program or Site is illegal is prohibited. You access this Program or Site on your own volition and are responsible for compliance with all applicable local laws.

20. TERM AND TERMINATION. This TOS will take effect at the time you enroll in the Program or begin installing, accessing, or using this Site, whichever is earliest. AHIP reserves the right at any time and for any reason to deny you access to the Program or Site or to any portion thereof and to terminate this TOS. This TOS will terminate automatically if you fail to comply with the limitations described herein. Termination will be effective without notice. You may terminate at any time by disenrolling in the Program and ceasing to use the Site, but all applicable provisions of this TOS will survive termination, as outlined below. Upon termination, you must destroy all copies of any aspect of the Program or Site in your possession.

21. SURVIVABILITY. The provisions concerning proprietary and intellectual property rights, permission to use postings, submissions, events beyond AHIP's control, confidentiality, indemnity, disclaimers of warranty and limitations of liability, availability of records, admissibility of this TOS, termination, and governing law will survive the termination of this TOS for any reason.

22. WAIVER. Failure to insist on strict performance of any of the terms and conditions of this TOS will not operate as a waiver of any subsequent default or failure of performance. No waiver by AHIP of any right under this TOS will be deemed to be either a waiver of any other right or provision or a wavier of that same right or provision at any other time.

23. ADMISSIBILITY. A printed version of this TOS and of any related notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this TOS to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

24. SEVERABILITY. If any part of this TOS is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and the liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most clearly matches the intent of the original provision and the remainder of this TOS shall continue in effect.

25. RELATIONSHIP OF PARTIES. No joint venture, partnership, employment, or agency relationship exists between you and AHIP as result of this TOS or your enrollment in the Program or utilization of this Site.

26. RESERVATION OF RIGHTS. Any rights not expressly granted by AHIP herein are reserved.

27. ENTIRE AGREEMENT. This TOS, AHIP'S Privacy Policy, and any related or associated service or software license agreements, which are all hereby incorporated by reference as if set forth fully herein, represent the entire agreement between you and AHIP with respect to use of the Program or Site, and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written between you and AHIP with respect to this Program or Site. Please note that AHIP reserves the right to change the terms and conditions of this TOS and under which this Program or Site and its many offerings are extended to you by posting a revised TOS. In addition, AHIP may add or delete any aspect of this Program or Site. Your continued use of this Program or Site following any change will be conclusively deemed acceptance of any change to the terms and conditions of this TOS. Accordingly, please review the TOS found at this location on a periodic basis.

28. CONTACT INFORMATION. If you have questions regarding this Program or Site or if you are interested in obtaining more information concerning AHIP and its products or services or permission to use any AHIP content, please contact AHIP at Center for Insurance Education and Professional Development c/o AHIP, 601 Pennsylvania Avenue, NW, South Building, Suite 500, Washington, DC 20004.

29. REFUND REQUESTS. To request a refund please call 1-866-234-6909 or send email to: Support@AHIPInsuranceEducation.org.