Terms of Use

NOLHGA WEB SITE DISCLAIMER AND
STATEMENT OF TERMS AND CONDITIONS
(LAST UPDATED DECEMBER 3, 2015 )

NOTICE: PLEASE READ THIS DISCLAIMER AND STATEMENT OF TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEB SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS HEREIN. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS HEREIN, DO NOT ACCESS THIS WEB SITE, OR ANY PAGES THEREOF.

COPYRIGHT © NOLHGA 1998-2017. ALL RIGHTS RESERVED.
Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement ("Web Content") is owned and/or licensed by NOLHGA unless otherwise indicated. You may not reproduce, modify, transmit, distribute or publicly display this Web Content without NOLHGA's prior written permission.

TRADEMARKS
NOLHGA and NOLHGA's logo are service marks and registered service marks of the National Organization of Life and Health Insurance Guaranty Associations. NOLHGA may also claim rights in certain other service marks contained in these Web pages.

USE OF INFORMATION AND MATERIALS

All Users
NOLHGA is a non-profit organization and provides this Web site as a service to the public and for the convenience of its members and to other persons specified by NOLHGA working on guaranty association and insurer insolvency related matters. NOLHGA does not charge a fee to access materials or information on this Web site and receives no revenue in conjunction with maintaining this Web site. The information and materials on this Web site are intended to be a general information resource regarding the matters covered, but are not offered, and should not be construed, as legal, accounting or other professional advice. NOLHGA prohibits the modification, reproduction, transmission or distribution of any 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 without NOLHGA’s prior written consent.

Notwithstanding the foregoing prohibition, but otherwise subject to all the terms and conditions hereof, NOLHGA gives permission to members of the public to use the publicly accessible portions of this Web site for their personal information, and to its member guaranty associations and other persons designated by NOLHGA eligible for a password to use specified non-publicly accessible portions of the Web site in furtherance of their work with respect to the guaranty association system and insurer insolvency related matters. This permission does not extend to the reproduction or use of NOLHGA Web content for commercial purposes or financial gain. Unauthorized use of, or access to, NOLHGA's Web site and systems, including but not limited to unauthorized entry into NOLHGA's systems, misuse of passwords, or misuse of any materials and information posted on the Web site is strictly prohibited and may result in NOLHGA’s pursuit of all available legal recourse and the suspension of privileges to access and use NOLHGA's Web site.

The information and materials contained in these pages are subject to change. NOLHGA reserves the right to modify this Web site and the Terms and Conditions governing its access and use at any time (including NOLHGA's privacy policy (infra)). Any modification to the Terms and Conditions will be posted to this page of NOLHGA's Web site, so please check this page each time you use the Web site. By continuing use of this Web site after such changes are posted, you will be deemed to have accepted and consented to such changes.

Password Access Users
NOLHGA may grant certain users access to certain non-public sections of the NOLHGA Web site. The decision to grant, deny, revoke, limit or otherwise condition the use by any individual of a password to non-public sections of NOLHGA's Website is solely within NOLHGA's discretion. In addition to the above terms of use of information and materials applicable to all users, users who are granted a password by NOLHGA acknowledge that their level of access provided to the non-public sections of the NOLHGA Web site is based upon the nature of their guaranty association or insolvency related work with NOLHGA or its member guaranty associations or an insurance department, and that information and materials on the non-public sections of the NOLHGA Web site are not to be shared with others. Any change in the nature of the user's guaranty association work or affiliation with an insurance department must be promptly reported to NOLHGA's Web administrator at dhicks@nolhga.com. As a condition to accessing the non-public sections of this Web site, users of the non-public sections of the Web site further agree that the information and materials herein are available to you solely in your capacity as a representative of NOLHGA, a member guaranty association, a member insurer, or an insurance department, and that the materials and information accessible to you shall only be used in connection with purposes and duties of your work on insolvent or impaired companies or the purposes and duties of the guaranty association(s) with which you are affiliated, and for no other purpose. You understand and agree that NOLHGA may, at any time, for any or no reason and without notice, discontinue, change or restrict your use of this Web site.

Violations
NOLHGA reserves the right, at its sole discretion, to take such actions as it deems appropriate, including without limitation, blocking access from a particular Internet address to the Web site and seeking all remedies available at law and in equity for violations of the Terms and Conditions set forth in this Web site. NOLHGA's failure to enforce these Terms and Conditions shall not constitute a waiver of any of its rights.

NOLHGA PRESS ROOM
The Press Room of the NOLHGA Web site is provided as a general information resource for NOLHGA's Web site users and contains industry news articles from outside publications that have granted NOLHGA limited permission to republish their articles on NOLHGA's Web site, and the publication source of each article is identified on the Web site. The posting of an article on the NOLHGA Web site should not be interpreted as NOLHGA's endorsement of the content or the views stated therein, and NOLHGA expressly disclaims responsibility for the content and the accuracy of the articles posted on the Website. This disclaimer in particular applies with respect to the content or views of any article that discusses the solvency, insolvency or financial condition of any insurer or other entity.

PRIVACY
Except as otherwise specified herein, the public sections of the NOLHGA Web site can be browsed without revealing any information which personally identifies the user. Where information is requested (e.g. password access), NOLHGA's practices with regard to collecting and using your information are as follows:

Collecting your Personal Information
NOLHGA will ask you when we need information that personally identifies you (personal information) or allows us to contact you. Generally, this information is requested when you apply for a password for access to sections beyond the public sections of the NOLHGA Web site or register for a NOLHGA meeting. Typically, the information is limited to name, place of business, phone number, e-mail address, and nature of guaranty association work, but may also include other information when needed to provide a service you requested.

Security of your Personal Information
Your personal information will not be shared outside NOLHGA without your permission, except under circumstances where this policy would violate a court order and/or federal, state, or local law or statute. Upon written request, we will remove your information from our database or change/correct any information that you state is erroneous. Note that meeting registrants' names and affiliations may be listed in meeting materials that may be publicly accessible.

Use of Cookies
The NOLHGA Web site uses cookies (small amounts of data sent from our Web browser to your computer and stored on your computer's hard drive) to allow us to recognize users when they come to the site and to track the pages they visit. This allows us to customize the content on the site to meet users' needs. Please note that sites you visit through links from www.nolhga.com may also deposit cookies on your computer. NOLHGA expressly disclaims any responsibility for activities related to cookies that are deposited on your computer as a result of your use of such links.

E-mail
Unencrypted e-mail submissions over the Internet are not secure and are subject to the risk of interception by third parties. Please do not e-mail any non-public personalor confidential information to NOLHGA or its members. NOLHGA and its members will not be responsible for e-mails containing non-public personal information or other confidential information, and we reserve the right to disregard and permanently delete such emails from our systems.

NOTIFICATION OF CHANGE
If your personal information changes, or if your status in connection with having obtained a NOLHGA Web site password changes, you agree to promptly contact NOLHGA's Web administrator at dhicks@nolhga.com to provide updated information. You understand and accept that your change of status may alter the level of access you are provided to information on NOLHGA's Web site.

LINKS
THE NOLHGA WEB SITE CONTAINS LINKS TO OTHER WEB SITES CONTROLLED OR OFFERED BY THIRD PARTIES. These links are provided as a convenience to users of NOLHGA's web site. The inclusion of any link does not imply an endorsement, recommendation OR SPONSORSHIP of the third-party organization, its web site, its products and services OR INFORMATION CONTAINED AT THAT WEB SITE, NOR does NOLHGA assume any responsibility FOR ANY FAILURE OF PRODUCTS, information, SERVICES or advice OFFERED OR ADVERTISED AT THOSE SITES. NOLHGA has not reviewed and is not responsible for the privacy practices or content of THESE THIRD-PARTY WEB SITES. YOU ARE URGED TO FOLLOW SAFE INTERNET PRACTICES. Because NOLHGA has no control over such Web sites, you acknowledge and agree that NOLHGA is not responsible for the content, practices or your use of third party Web sites.

NO WARRANTY
THE INFORMATION AND MATERIALS CONTAINED IN THIS Web SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED on an "AS IS" "AS AVAILABLE" basis. NOLHGA DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THE INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS. BY ACCEPTING THESE TERMS AND CONDITIONS, YOU AGREE THAT YOU ARE RESPONSIBLE FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY MATERIALS YOU MAY OBTAIN FROM THIS WEB SITE ARE FREE OF VIRUSES OR ANY OTHER HARMFUL COMPONENTS.

NO LIABILITY
YOUR USE OF THIS WEB SITE IS AT YOUR OWN RISK. IN NO EVENT WILL NOLHGA BE LIABLE FOR ANY DAMAGES WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS WEB SITE OR ANY LINKED WEB SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, MISTAKE, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF NOLHGA, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES AND WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS TO THE WEB SITE OR THE MATERIALS.

GOVERNING LAW
Use of this Web site shall be governed in all respects by the applicable federal laws of the United States of America and the laws of the Commonwealth of Virginia without reference to its choice of law rules. This Web site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. Those who choose to access this Web site from such locations do so on their own initiative and are responsible for compliance with applicable local laws.

Contact Information
NOLHGA welcomes your comments regarding this Disclaimer and Terms and Conditions of Use Statement. Please contact Dan Hicks at dhicks@nolhga.com or:

Dan Hicks
NOLHGA
13873 Park Center Road, Suite 505
Herndon, Virginia 20171
(703) 787-4112
(703) 481-5209 fax