Terms & Conditions

Manner of Use

Your use of The Lafayette Life Website and any services provided through the Lafayette Life Website is expressly conditioned on your acceptance of these Terms and Conditions. If you do not agree with any part of these Terms and Conditions, you must not use this site or any services provided herein. The life insurance and financial products and services material on the Lafayette Life Website is for informational and educational purposes only for the convenience of Lafayette Life policyowners. Although some of the information regards tax, legal, or accounting issues, neither Lafayette Life nor its representatives or affiliates are in the business of offering such advice. Lafayette Life is not engaged in rendering any legal or professional services by placing these general informational materials on this Website nor does Lafayette Life give any advice or offer any opinion with respect to the suitability or appropriateness of any product or service referenced on the Lafayette Life Website or any services provided herein. The materials contained on the Lafayette Life Website are not a substitute for obtaining professional advice from a qualified person, firm or corporation. The Website is not intended to provide investment recommendations or endorsements, does not provide personalized investment, tax or legal advice, and must not be relied upon by you as such. The information on the Lafayette Life Website is necessarily limited in scope and may not contain all applicable terms, conditions, limitations, exclusions, or other relevant data.

You warrant and agree that you shall not use the Lafayette Life Website or any services provided herein in any manner that could damage, disable, overburden, or impair the Lafayette Life Website or interfere with any other user’s use of the Lafayette Life Website or any services. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided on or through the Lafayette Life Website. Your use of the Lafayette Life Website or any other electronic service provided by Lafayette Life is entirely at your sole risk. In exchange for using our site and viewing its contents, you agree to not hold Lafayette Life, its representatives, its officers, directors, employees, affiliates, contractors, information providers, information transmitters, licensors, and/or agents liable for any possible claim or damages arising from your use of or access to the Lafayette Life Website, your decisions based on information on the Lafayette Life Website or for any possible inaccuracy, incompleteness, or other content error that may be found therein. This freedom from liability agreement includes, but is not limited to, direct, indirect, incidental, punitive, or consequential damages.

Availability/Limitations

Lafayette Life and the Lafayette Life Website are primarily located in Cincinnati, Ohio. Lafayette Life operates in DC and all states except AK and NY. Lafayette Life is domiciled in the State of Ohio which is its principal place of business. Nothing contained on or through the Website is intended as an offer to sell or a solicitation of an offer to buy any insurance product in any jurisdiction. Any inquiries regarding the possible purchase of a Lafayette Life product will be directed to a licensed insurance agent.

The Lafayette Life Website is not all-inclusive. We will attempt, but do not promise, to have the Lafayette Life Website available seven days a week. We will also attempt, but do not promise, to provide accurate information on it at all times. However, we do not guarantee that the Lafayette Life Website or the services provided herein will function without interruption or that all information provided will be accurate or complete. Not all the products or services described on the Lafayette Life Website are available in all states. Therefore, you may not be eligible for all the products or services desired. We reserve the right to determine your eligibility for any product or service. The products and services detailed on www.llic.com are available only in the United States of America, and all are subject to applicable laws and regulations.

If you encounter problems using the Lafayette Life Website or any services provided, please contact website customer support as specified on the “Contact Us” page of the Lafayette Life Website. You agree that Lafayette Life is not and will not be liable to you or any other person for any loss or damage arising from, among other things:

You agree that Lafayette Life shall have no liability, contingent or otherwise, for the accuracy or timeliness of the Lafayette Life Website information or the accuracy, timeliness, completeness or correct sequencing of the materials, or for any decision made or action taken by You in reliance upon the Lafayette Life Website or any services provided herein, or for interruption or delay of any data, material or any other aspect of the services provided on or through the Lafayette Life Website.

Privacy

Lafayette Life will not disclose to or share with any third party any personally identifiable, personal or confidential information we receive from you or about you through the Lafayette Life Website, except as described in Our Privacy Policy, which is incorporated herein by reference, and as required to complete any transaction requested through the Lafayette Life Website and/or any services provided herein.

Security

The information you submit through the Lafayette Life Website for which a Password is required is protected through encryption technology. However, all other information submitted to Lafayette Life including electronic mail inquiries, is submitted through the Internet, which is an unsecured, public network. E-mail is provided to you only as a convenience, and to enhance communications between you and Lafayette Life. Unless the specific access location says otherwise, other Internet users can access messages sent to or from the Lafayette Life Website. To protect your privacy, please do not use e-mail to communicate information that you want kept confidential. Lafayette Life shall have no liability for any loss or damage that arises from unaccepted e-mail requests, orders, or instructions, or for any loss or damage that results from interception and/or unauthorized use by third parties of any information you send via e-mail. All e-mail messages sent by you to Lafayette Life (or to you from Lafayette Life) and all activity on the Lafayette Life Website or services provided herein may be monitored and/or reviewed by Lafayette Life and will be recorded and archived in accordance with Lafayette Life’s record retention policies. These records are available for review by Home Office Employees, Lafayette Life Sales Representatives, and/or regulatory examiners.

Disclaimer of Warranties

The information contained on or through the Lafayette Life Website (including, but not limited to, text, graphics, and functionality) is provided on an “AS IS” and “As Available” basis and without warranties of any kind, either express or implied. Neither Lafayette Life nor any of its directors, officers, employees, agents, contractors, affiliates, information providers, licensors, or other suppliers providing data, information or services warrants that the Lafayette Life Website or any services provided herein will be uninterrupted or error free; that defects will be corrected or that the Lafayette Life Website, any services provided herein, or the server that makes them available are free of viruses or other harmful components; nor does Lafayette Life make any representation or warranty as to the results that may be obtained from the use of the Lafayette Life Website, any services provided herein, or as to the timeliness, sequence, accuracy, completeness, reliability or content of any information, data or service provided through the Lafayette Life Website, or its suitability or appropriateness for any purpose.

There are no implied warranties of merchantability or quality, fitness for a particular use, or accuracy of information content, and no other warranty of any kind, express or implied, regarding the Lafayette Life Website information or materials, or any aspect of the Lafayette Life Website, including but not limited to account access, even if Lafayette Life has been advised or is otherwise aware of the possibility of such damages, including without limitation, liability associated with any viruses, which may infect your computer equipment or related software. To the fullest extent permitted by law, we disclaim all representations, warranties and conditions of any kind (express, implied, statutory or otherwise, including but not limited to the warranties of merchantability and fitness for a particular purpose, title and non-infringement of proprietary rights) as to the Lafayette Life Website and all information, products and other content (including third party information, products and content) included in or accessible from the Lafayette Life Website.

Limitation of Liability

We will not be liable if you are unable to obtain access to the Lafayette Life Website or any services provided herein or if information provided is inaccurate or incomplete or a request cannot be completed due to market conditions, systems problems, power failures, acts of God, acts of nature, telecommunications failures, scheduling requirements, safety precautions, viruses, or other circumstances beyond our control. We will not be liable for any claims or damages of any nature arising out of or relating to either the use of or the content, materials, tools, services or information on the Lafayette Life Website, including, but not limited to, any decision made or action taken by you in reliance thereon, or any loss or injury caused in whole or in part by negligence, interruptions of service, or contingencies beyond our control, breaches of security resulting from your failure to ensure the confidentiality of your personal information, including your User ID or your Password, breaches of security by third parties, information reported through the Lafayette Life Website obtained from third parties or for any types of damages (such as, but not limited to, direct, indirect, consequential, special, incidental, punitive or exemplary damages), even if advised of the possibility of such damages.

Except as specifically set forth herein or where the law requires a different standard, we shall not be responsible for any loss, damage, or injury or for any direct, indirect, special, incidental, exemplary or consequential damages, including lost profits, arising from or related to the system, equipment, browser, and/or the installation or maintenance thereof, access to or use of the Lafayette Life Website or any services provided herein, failure of electronic or mechanical equipment, the Internet, the system or communication lines, telephone or other interconnect problems, bugs, errors, configuration problems or incompatibility of computer hardware, software, the Internet or the system, failure or unavailability of Internet access, problems with Internet service providers, problems or delays with intermediate computer or communications networks or facilities, problems with data transmission facilities or any other problems you experience due to causes beyond our control.

Linked Websites

Lafayette Life may provide a link from the Lafayette Life Website to sites maintained by third parties for your convenience only. Lafayette Life does not endorse, approve, or certify any information at such websites nor is Lafayette Life responsible for any such website. Lafayette Life makes no representations about any website that you may access through the Lafayette Life Website and any website linked herein is independent of Lafayette Life. Lafayette Life has no control over the products, services, materials, or other information contained in or available through the third party websites. The quality and dependability of any third party website may vary as it is updated or altered. Lafayette Life does not guarantee the accuracy, completeness or usefulness of any materials or content linked to in third-party sites. Lafayette Life cannot and does not guarantee or warrant that files available for downloading from the Lafayette Life Website or any linked website are free from viruses or other malfunctions. Third party websites contain information created, published, maintained or otherwise posted by organizations independent of Lafayette Life. All trademarks and copyrights appearing on third party websites are the property of their owners, unless otherwise stated.

Viruses

Because of the marked increase in the fabrication and proliferation of computer viruses affecting the Internet and the possibility of such viruses being transmitted over the Internet, you should take steps to protect your computer equipment from infection. It is your responsibility to review and/or scan any and all downloaded materials received through the Internet. Lafayette Life is not and will not be responsible or liable for any damage caused by any virus or infection.

Trademark and Copyright

Lafayette Life is the copyright owner of all text and graphic images contained on the Lafayette Life Website. The General head logo and NOLAS® are registered trademarks of Lafayette Life. Other parties’ trademarks and service marks that may be referred to herein are the property of their respective owners. Nothing contained in these Terms and Conditions, on the Lafayette Life Website, any services provided herein, or through your use of the Website or any services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any mark displayed on or through the Website or in any content, tools, services, information or materials on or available through, without our written permission or the permission of such third party that may own the marks.

Personal Use

The information contained on the Lafayette Life Website is provided for the personal use of Lafayette Life’s policyowners. You may print a copy of the information contained herein for your personal use only, but such information may not be distributed or modified nor links made to the Lafayette Life Website without the prior written consent of Lafayette Life.

Unauthorized Use is Strictly Prohibited

The content contained in or through the Lafayette Life Website is protected by copyright law. The unauthorized copying, reproducing, republishing, uploading, downloading, posting, transmitting, selling, licensing, creating, or duplicating of any of the material is strictly prohibited.

Amendment

By using or accessing the Lafayette Life Website and any services provided herein, you agree to be bound by these Terms and Conditions without limitation or qualification. Lafayette Life may amend these Terms and Conditions from time to time by updating this posting. Your continued use of the Lafayette Life Website and/or any services provided herein is your agreement to the terms of any and all such amendment(s). Therefore, you should review the Terms and Conditions periodically to review the Terms and Conditions to which you are bound.