Agreement to Terms
The Website may contain a variety of information and resources including, but not limited to, product descriptions, text, images, photographs, documents, testimonials, logos, diagrams, reports, software, download areas, communication forums, Web Services Application Program Interface information (“APIs”), and other tools (collectively the “Materials”).
If you do not agree to these Terms, do not use the Website or any Materials contained therein.
You understand and agree that you are responsible for maintaining the confidentiality of your account passwords. You agree that you will be solely responsible to Unum for all activities that occur under your account. You agree to notify Unum immediately of any unauthorized use of, or other security breach related to, your account.
If you access the website on behalf of another person, you are responsible to obtain prior authorization to act on behalf of that person. You will maintain complete documentation of the authorization and actions you are authorized to take. You will use any information obtained through such authorization only to provide services for that person.
We understand that the confidentiality, integrity, and availability of our customers’ information are keys to our overall business success. Our internal business processes and procedures are designed to protect customer information from unauthorized access, disruption, modification, or destruction, and to comply with various privacy laws and regulations applicable to the collection, use and disclosure of customer information.
Our information security program is based on applicable international regulatory requirements and industry standards and best practices such as the ISO 27001 and the NIST Cyber Security Framework, as the same may evolve and change over time.
Prohibited Use and Disruption of the Websites
You agree not to:
Interrupt or attempt to interrupt the operation of the Website in any way;
Upload, post, email or transmit any software viruses to or through the Websites;
Attempt to obtain or decrypt any passwords or other security protections for any account to which you do not have permitted access;
Act on behalf of another person without express permission to do so and you will not misrepresent your affiliation with a person or entity; or misrepresent the origin of any information provided by you;
Copy, reverse engineer, reverse assemble, decompile, create derivative works, modify, or otherwise attempt to derive the source code of the Website, nor make any unauthorized use of any content on the Website;
Display, disclose, rent, lease, modify, loan, distribute, or create derivative works based on the Website or any part thereof;
Remove, disable, circumvent or otherwise create or implement any workaround to any copy protection, rights management, or security features of the Website;
Exploit the Website in any unauthorized way whatsoever; or
Post, transmit or display any offensive, defamatory, hateful, threatening, obscene or anti-competitive materials or encourage any illegal activities on the Website.
Post, transmit or display any data not owned by you or to which you do not have use rights.
Use or access the Website for any commercial purpose other than to conduct business with us.
Copyrights and Trademarks
All trademarks, service marks, trade names, logos, icons and domain names located on the Website are owned or
licensed by us. All page headers, custom graphics, button icons, and scripts are service marks, trademarks or
trade dress of Unum or its licensors. Your replication, imitation or use of any trade dress, trademark, service
mark, trade name, logo, icon or domain name displayed on the Website, without our written permission, is
The Website contains software, photographs, graphics, text, images and other material (all included within the term “Material” as defined above) that are protected by copyright laws. All Material is also copyrighted as a collective work under copyright laws, and Unum owns a copyright in the selection, coordination, arrangement, and enhancement of the Material. You may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the Material, in whole or in part. We grant you permission to electronically copy, create hyperlinks, and print in hard copy any portions of the Website (and to download software made available on the Website) provided you do so solely for your non- commercial, personal use and in connection with conducting business with us and provided the Materials retain all copyright, trademark or other notice of Unum’s proprietary interest in the Materials. Otherwise, you may not reproduce or distribute in any way Material without obtaining our prior written permission.
Our providing you with access to the Website does not give you any license, by implication, estoppel or otherwise, to our intellectual property. All access and use rights may be revoked by us at any time. Any rights not expressly granted herein are reserved.
Unum is not responsible for any third-party content or third party linked websites provided on the Website. The provision of any third party link does not imply Unum’s endorsement of the website and is provided only as a convenience.
DISCLAIMER AND LIMITATIONS
Access to the Website may be interrupted, restricted or delayed for any reason. We are not liable to you or anyone else for any loss resulting from use, or loss of use, of the websites or any content on the websites, including the effects of any functionality we automate or the effects of any viruses or other harmful components. This includes any error, omission, interruption or delay in operation of the websites due to natural causes, equipment failures or other circumstances beyond our control. We are under no obligation to provide any kind of technical, development or end-user support for the Website.
Every attempt is made to ensure that the information on the Website is accurate and complete, but there are no representations as to the accuracy, completeness or timeliness of any information on the Website. Any policy, claim and account information displayed on the Website is provided as a convenience to you and for your information, but is not the official records of any policy, claim or account activity. In the event there is a discrepancy between the material on the Website and any policy documents, the policy documents represent the official record.
The information on the Website is not intended as legal, tax, accounting, financial, insurance or investment advice. You are solely responsible for seeking professional advice and taking such actions, and making such elections, as you deem appropriate to your circumstances and objectives.
TO THE FULLEST EXTENT ALLOWED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED IN CONNECTION WITH THE WEBSITE AND THE MATERIALS, INCLUDING BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. THE WEBSITE AND MATERIALS, INCLUDING THE CONTENT AND FUNCTIONS THEREIN, ARE PROVIDED “AS IS” AND “AS AVAILABLE.” Unum does not represent or warrant that (A) the Website or the services will be secure or available at any particular time or location, (B) any defects or errors will be corrected, or (C) the Website is free of viruses and other harmful components. To the extent the law does not permit the disclaimer of warranties, all content and functions are warranted only to the extent allowed by law.
Without limiting any of the foregoing disclaimers of liability, our aggregate liability arising out of, or in connection with, the websites will not exceed the greater of one hundred dollars ($100) or the amount you have paid in the past twelve months to access the Website.
Limitation of Liability
IN NO EVENT WILL UNUM, ITS AFFILIATES OR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, ATTEMPTED USE, OR INABILITY TO USE, THE WEBSITE, ANY THIRD PARTY WEBSITES LINKED TO THE WEBSITE, ANY CONTENT ON THE WEBSITE OR SUCH OTHER LINKED WEBSITES, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR SUCH OTHER LINKED WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE. The foregoing does not affect any liability that cannot be excluded or limited under applicable law.
You agree to defend, indemnify and hold harmless Unum, its affiliates, and all of its and their officers, directors, agents, suppliers, and licensors from and against any and all claims, damages, costs and expenses, including attorneys’ fees, arising from or related to (a) your use of any part of the Website or any content on or linked to from the Website, including, but not limited to, any claim by a third party and/or (b) your breach of these Terms. Unum reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with Unum in asserting any available defenses.
We assume no responsibility and will not be liable for any damages to your computer equipment or other property, including virus infections, caused by your access to, use of, or browsing of the Website or your downloading any materials, data, text, video or audio from the Website.
Linking to Other Websites
We do not accept or consider unsolicited ideas, proposal or suggestions. Please do not send any ideas, proposals or suggestions to us. If you do send materials to us, regardless of how submitted, your submission creates no contract with us and any information you provide becomes our property and can be used by us without attribution or compensation and will be considered non-confidential.
Unum reserves all rights not expressly granted under these Terms, including intellectual property rights, and no other rights are granted under these Terms by implication or estoppel or otherwise. Unum may update these Terms from time to time. Unum will change the Last Updated date at the bottom of these Terms when it does so. It is your responsibility to check these Terms regularly. Unum’s failure to enforce any legal right or remedy contained in these Terms or applicable law shall not be deemed a formal waiver of those rights or remedies and those rights or remedies will still be available to Unum. If a court of competent jurisdiction deems any provision of these Terms invalid, the remaining provisions of these Terms will be unaffected. Except where otherwise required by law, any legal matter arising from these Terms shall be governed by the laws of the State of Delaware without regard to its conflict of laws provisions and you agree to submit to the jurisdiction of the courts of Delaware. You acknowledge that Unum may apply for injunctive remedies in any jurisdiction. There are no third-party beneficiary rights under these Terms.
We may terminate your rights to use the Website at any time for any violation of these terms and conditions and for any business purpose. All provisions of this agreement relating to confidentiality, proprietary rights, limitations of liability and warranties, non-disclosure, privacy and security, and export laws survive termination of your rights to use the Website.
© 2020 Unum Group. All rights reserved. Unum and Unum Group logo are trademarks of Unum Group, registered in the United States and elsewhere. All other brand and product names are trademarks or registered trademarks of their respective holders.
This document was last updated on June 2, 2020.