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Legal Notice

American Independent Business Coalition

American Independent Business Coalition has partnered with National Foundation Life Insurance Company and Freedom Life Insurance Company of America wholly owned subsidiaries of USHEALTH Group, Inc. a UnitedHealthcare Company. American Independent Business Coalition is a master policy holder for Group products underwritten and issued by National Foundation Life Insurance Company and Freedom Life Insurance Company of America wholly owned subsidiaries of USHEALTH Group, Inc. a UnitedHealthcare Company. Each of American Independent Business Coalition and National Foundation Life Insurance Company and Freedom Life Insurance Company of America wholly owned subsidiaries of USHEALTH Group, Inc. a UnitedHealthcare Company companies is a separate legal entity. As such, none of the individual companies are responsible for the financial condition or contractual obligations of the other companies, except as may be expressly provided in a written contract between such entities.

American Independent Business Coalition requires that each visitor (a "User") to this Internet site on the World Wide Web (the "Site") adhere to the following Terms and Conditions. Please read these Terms and Conditions carefully before using the Site. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Terms and Conditions. If the User does not agree to all of these Terms and Conditions, he or she should not use this Site.

Terms and Conditions

General

The information contained in this notice 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. American Independent Business Coalition does not warrant the accuracy or completeness of the information, text, graphics, links or other content contained on this Site or any other server. American Independent Business Coalition 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 American Independent Business Coalition. Such hyperlinks are provided solely as a matter of convenience. American Independent Business Coalition 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 American Independent Business Coalition of the material on such Web sites or any association with their operators.

Personal Information Collection

Personal information about you and your dependents such as name, address, telephone number, e-mail address, date of birth and general health data may be requested on this Web site in order to deliver the requested materials to you, respond to your questions, or to provide a price quote on a American Independent Business Coalition product. 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. American Independent Business Coalition 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. See privacy policy

Information Disclosed

The personal information you submit to American Independent Business Coalition remains your property, but by submitting that information to American Independent Business Coalition, you grant American Independent Business Coalition the right to use that information for marketing purposes and to follow up on your request or online visit. American Independent Business Coalition may also use such information for content improvement and feedback purposes. BY SUBMITTING PERSONAL INFORMATION TO US, YOU AUTHORIZE US TO CONTACT YOU VIA E-MAIL, FACSIMILE, DIRECT MAIL OR TELEPHONE (INCLUDING USE OF AUTOMATIC DIALER AND PRERECORDED MESSAGING) IN ORDER TO PROCESS AND/OR FULFILL YOUR REQUEST OR FOLLOW UP ON YOUR VISIT, EVEN IF YOU ARE REGISTERED ON THE NATIONAL DO NOT CALL LIST OR ANY EQUIVALENT STATE DO NOT CALL LIST. YOU WILL BE CONTACTED AT THE PHONE NUMBER YOU PROVIDE TO US, REGARDLESS OF WHETHER IT IS A CELLULAR PHONE OR A LAND LINE. If e-mail recipients wish to end their e-mail subscription from a particular list, they need to follow the instructions at the end of each email message to unsubscribe from the particular list. American Independent Business Coalition's unsubscribe process impacts only the future delivery of electronic mailings disseminated by American Independent Business Coalition on its own behalf.

Limitation of Liability

American Independent Business Coalition 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. American Independent Business Coalition also may make improvements or changes in products described on this Site at any time without notice. American Independent Business Coalition specifically disclaims any liability (whether based in contract, tort, and 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 American Independent Business Coalition 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 American Independent Business Coalition 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

American Independent Business Coalition 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 thier respective owners. Users are prohibited from using any Mark for any purpose without the express written permission of American Independent Business Coalition.

Ownership

The design, text and images of this Site are owned, controlled or licensed by American Independent Business Coalition 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 American Independent Business Coalition 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 American Independent Business Coalition does not maintain. American Independent Business Coalition 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.

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. 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. American Independent Business Coalition 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. See privacy policy

Vendor Links

American Independent Business Coalition does not guarantee that information contained within network provider directories is accurate, nor does American Independent Business Coalition guarantee the availability of any particular vendor or service.

Laws and Regulations

Access to and use of this Site is 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 and 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 American Independent Business Coalition cannot give assurance that such statements will prove to be correct. Changes to Terms and Conditions American Independent Business Coalition 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

American Independent Business Coalition 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.

Prior Express Written Consent

I may be contacted using automated technology at the telephone number(s) I provided above regarding the plan and/or other product and service offers. Consent to receiving such calls and texts is not required as a condition to enrolling in the program and I may revoke my consent at any time as set forth in the Privacy Policy.