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LEGAL INFORMATION
"North American Companies herein referred to as North American."
Conditions of Use
By using our site, you signify your assent to the following conditions
of use without limitation or qualification. Please read these conditions
before using this site. North American may at any time revise these
terms and conditions by updating this posting. You are bound by any such
revisions and should therefore periodically visit this page to review
the then current terms and conditions to which you are bound.
Disclaimer
All materials on www.nacolah.com are provided "as is" and without
warranties of any kind, either expressed or implied, including, but not
limited to, implied warranties or merchantability and fitness for a
particular purpose. North American does not warrant that the functions
contained in the materials will be uninterrupted or error-free, that
defects will be corrected, or that this web site or the server that
makes it available are free of viruses or other harmful components.
North American does not warrant or make any representations regarding
the use or the results of the use of the materials on this web site in
terms of their correctness, accuracy, reliability, or otherwise. You,
not North American, assume the entire cost of all necessary servicing,
repair, or correction.
Links to other sites can be accessed through this home page. Such
external Internet addresses contain information created, published,
maintained otherwise posted by organizations independent of North
American. North American does not endorse, approve or certify any
information, product or service referenced or provided at such
addresses.
Limitation of Liability
While North American uses reasonable efforts to include accurate and
up-to-date information on this web site, errors or omissions may occur.
North American makes no warranties or representations as to the accuracy
of this web site. Under no circumstances including, but not limited to,
negligence by act or omission, shall North American nor any party
involved in creating, producing, or delivering the web site be liable
for any direct, incidental, consequential, indirect, or punitive damages
that result from the use of, or the inability to use, the materials on
this web site, even if North American or a North American authorized
representative has been advised of the possibility of such damages.
Applicable law may not allow the limitation or exclusion of liability or
incidental or consequential damages, so the above limitation or
exclusion may not apply to you. In no event shall North American's total
liability to you for all damages, losses, and causes of action exceed
the amount paid by you, if any, for accessing this web site.
Restrictions on Use of Materials
This site is owned and operated by North American. Permission is granted
to display and navigate around this web site with a computer using HTML
browser software, solely for personal, non-commercial use. Any
commercial or public use of this web site or any portion hereof is
strictly prohibited.
Except as otherwise permitted by North American, no materials from
www.nacolah.com or any web site owned, operated, licensed or controlled
by North American may be copied, reproduced, republished, uploaded,
posted, transmitted, or distributed in any way. You may download
material displayed on this web site for non-commercial, personal use
only provided you also retain all copyright and other proprietary
notices contained on the materials. You may not distribute, modify,
transmit, reuse, repost, or use the content of this web site for public
or commercial purposes, including the text, images, audio, and video,
without North American's written permission.
North American neither warrants nor represents that your use of
materials displayed on this web site will not infringe rights of third
parties not owned by or affiliated with North American.
Jurisdictional Issues
North American Company for Life and Health Insurance is domiciled in
Iowa, with our principle office located at: 4601 Westown Parkway, Suite
300, West Des Moines, IA 50266. Our California Certificate of Authority (COA)
number is 2717. Our Massachusetts Certificate of Authority (COA) number
is 000502432000.
This web site is controlled and operated by North American from its
offices within the State of Illinois, United States of America. North
American makes no representation that materials on www.nacolah.com are
appropriate or available for use in other locations. Those who choose to
access this site from other locations do so on their own initiative and
are responsible for compliance with local laws.
The information contained on this web site is not an offer to sell or a
solicitation to buy any insurance product. No insurance product is
offered or will be sold in any jurisdiction in which such offer or
solicitation, purchase or sale would be unlawful under the insurance
laws of such jurisdiction. Some products may not be available in all
states.
Trademarks/Service Marks
and Copyrights
Images displayed on this web site are either the property of, or used
with permission by North American. The use of these images by you, or
anyone else authorized by you, is prohibited unless specifically
permitted herein. Any unauthorized use of these images may violate
copyright laws, trademark laws, the laws of privacy and publicity, and
communications regulations and statutes.
All trademarks, service marks, trade names, logos, and icons used by
North American are proprietary to North American. Nothing contained on
the web site should be construed as granting by implication, estoppel,
or otherwise, any license or right to use any trademark or service mark
displayed on this web site without the written permission of North
American or such third party that may own the trademarks or service
marks displayed on this web site. Your use of the trademarks or service
marks displayed on this web site, or any other content on this web site,
expect as provided herein, is strictly prohibited.
Questions concerning use of North American's trademarks, service marks,
trade names, logos, icons, copyrights or other intellectual property
should be addressed to: North American Company for Life and Health
Insurance, Law Department, 525 West Van Buren, Chicago, IL 60607,
United States of America.
Any communications or materials you transmit to this web site by
electronic mail or otherwise, including data, questions, comments, or
suggestions, will be treated as non-confidential and nonproprietary and
will become the property of North American or its affiliates. Such
communications or material shall be used for any purpose, including, but
not limited to, preproduction, disclosure, transmission, publication,
broadcast, and posting. Furthermore, North American is free to use any
ideas, concepts, know-how, or techniques contained in any communication
you send to this web site for any purpose whatsoever, including, but not
limited to, developing and marketing products using such information.
Trademarks/Service Mark
Notices
North American, the "map" and all other trademarks, service marks, trade
names and logos used by North American or its subsidiaries are
registered trademarks or service marks of North American and/or its
subsidiaries.
Use of these marks must be with our permission. We will file appropriate
legal actions to stop the unauthorized use of these marks.
North American
Company for Life and Health Insurance
Executive Office
525 West Van Buren
Chicago, IL 60607
(800) 800-3656
Fax (312) 648-7796
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