This is the Legal Webpage (the "Legal Webpage") for Consumers Life Insurance Company ("Consumers Life") Website (the "Consumers Life Website"). The use of the Consumers Life Website and all the materials on this Website are subject to the terms and conditions of use ("Terms and Conditions") contained on this Legal Webpage.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THE CONSUMERS LIFE WEBSITE. BY USING THIS WEBSITE, YOU AGREE TO THESE TERMS AND CONDITIONS.

THESE TERMS AND CONDITIONS MAY BE AMENDED OR CHANGED BY US AT ANY TIME AT OUR DISCRETION. YOU AGREE THAT YOUR CONTINUED USE OF THIS WEBSITE AFTER ANY SUCH AMENDMENT OR CHANGE SHALL CONSTITUTE YOUR AGREEMENT TO ANY SUCH CHANGES.

1. Intellectual Property Rights. Everything on this Website, including without limitation, all text, graphics, software, logos, icons and images, is the valuable intellectual property of Consumers Life, its information providers and suppliers.

Consumers Life protects its intellectual property rights to the full extent of the law. You may not copy, publish, distribute, create derivative works or otherwise commercially exploit the content of this Website without the permission of Consumers Life.

2. Governing Law. These Terms and Conditions are governed by the laws of the State of Ohio as such laws apply to contracts between Ohio residents performed entirely within the State of Ohio.

3. Jurisdiction. This Website is controlled and operated by Consumers Life from the company's headquarters in Cleveland, Ohio. Consumers Life does not represent or warrant that any materials on this site are appropriate or available for use in any other location. If you choose to access this site from another location, you do so at your own risk and are responsible for complying with any and all local laws.

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Ohio as such law is applied to matters entered into and performed in the State of Ohio. Any action related to any matter, transaction, or occurrence arising out of accessing, viewing, transmitting or linking to this Website shall be brought exclusively in the appropriate state or federal court sitting in Cleveland, Cuyahoga County, Ohio, United States of America.

4. Severability. If any provision of these Terms and Conditions is deemed void, unlawful or otherwise unenforceable for any reason, that provision shall be severed from this agreement and the remaining provisions of this agreement shall remain in force.

5. Use of Cookies and other methods of collecting information. Consumers Life uses various methods to collect certain other kinds of information that cannot be personally identified with you, including "cookies," "referrers," IP addresses, and environment variables.

A "cookie" is an element of data that Consumers Life can send to your browser, which may then store it on your system. It can be used to provide you with a tailored user experience. The Consumers Life site uses cookies. We treat any personally identifiable information with the same confidentiality as when you enrolled. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. Consumers Life does not require that you accept cookies.

A "referrer" is the information passed along by a web browser that references the Web URL you linked from, and is automatically gathered by our Web server. This information is used by Consumers Life to identify broad demographic trends that may be used to provide information tailored to your interests. You will not be personally identified from this information.

Your computer uses IP addresses every time you are connected to the Internet. Your IP address is a number that is used by computers on the network to identify your computer so that data (such as the Web pages you request) can be sent to you. Our Web server automatically gathers them. Consumers Life will not use your IP address to attempt to identify your personal information and you will remain anonymous.

System Information we gather includes time, type of Web browser being used, the operating system/platform, and CPU speed. This information is sent automatically by your Web browser when you are connected to a Web site and is used by Consumers Life only for broad demographic statistics. You will not be personally identified from this information.

6. Security Policy. Consumers Life takes the security of your information very seriously and has established security standards and procedures to prevent unauthorized access to customer information. We maintain physical, electronic and procedural safeguards to guard your information. All authorized personnel within our organization who deal with your information must abide by a confidentiality agreement. Consumers Life's Website, however, includes links to other sites and when you choose to visit those sites, we are not responsible for their privacy policies or how they treat user information. In addition, we may permit third parties to offer registration-based services through our site. We are not responsible for the actions and policy of these third parties and you should review the privacy policy of those parties before supplying personally identifiable information to them.

7. Links. This site may contain links to other Internet sites ("Third Party Sites") that are not maintained by Consumers Life. These links are provided solely for your convenience, and you access them at your own risk. CONSUMERS LIFE MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE CONTENTS OF PRODUCTS, SERVICES OR INFORMATION OFFERED IN SUCH THIRD PARTY SITES. Consequently, Consumers Life is not and cannot be held responsible for the accuracy, copyright compliance, legality or decency of material contained in sites linked to this Consumers Life site.

8. Termination. Consumers Life may, in its sole discretion, terminate or suspend your access to all or any part of this site including, but not limited to, any bulletin boards on this site, for any reason, including without limitation, breach of this agreement. If this agreement is terminated, the restrictions regarding materials appearing on this site and the representations and warranties, indemnities and limitations of liability set forth in this agreement shall survive any such termination.

9. General. This site is owned and operated by Consumers Life. Consumers Life has the right at any time to change or discontinue any aspect or feature of this site including, without limitation, the content, hours of availability and equipment needed for access to or use of the site.

10. Equipment. You shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to or use of this site and all charges related thereto.

11. Monitoring. Consumers Life reserves the right, but not the obligation, to monitor this site to determine compliance with the terms of this Legal Webpage and any rules established by Consumers Life to satisfy any law or regulation.

12. Business Associates. Any business associates of Consumers Life identified in this site are independent of Consumers Life. Such business associates are not joint venture partners or any other kind of partners of Consumers Life. No employee or representative of any business associate is under the control of Consumers Life.

13. Products. The information and descriptions contained on this site are intended as general information and are not necessarily complete descriptions of all terms, exclusions and conditions applicable to the products and services offered by Consumers Life.

14. Disclaimer of Warranty; Limitation of Liability. YOU EXPRESSLY AGREE THAT USE OF THIS SITE IS AT YOUR SOLE RISK. NEITHER CONSUMERS LIFE, ITS AFFILIATES NOR ANY OF ITS OR THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS, LICENSORS OR BUSINESS PARTNERS WARRANT THAT THIS SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY OBTAIN FROM USE OF THIS SITE, OR AS TO THE ACCURACY OR LIABILITY OF ANY INFORMATION, SERVICE OR MERCHANDISE PROVIDED THROUGH THIS SITE.

THIS SITE IS PROVIDED ON AN AS-IS BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES THAT ARE IMPLIED BY AND INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER APPLICABLE LAW. ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE RESULTS OBTAINED FROM THE USE OF THIS SITE.

THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INACCURACY, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF THIS SITE WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR (INCLUDING STRICT LIABILITY), NEGLIGENCE OR UNDER ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT CONSUMERS LIFE IS NOT LIABLE FOR THE DEFAMATORY OR OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH YOU. IN NO EVENT WILL CONSUMERS LIFE, OR ANY PERSON OR ENTITY INVOLVED IN CREATING, PRODUCING OR DISTRIBUTING THIS SITE, OR THE CONTENT INCLUDED HEREIN, BE LIABLE IN CONTRACT, IN TORT (INCLUDING FOR ITS OWN NEGLIGENCE) OR UNDER ANY OTHER LEGAL THEORY (INCLUDING STRICT LIABILITY) FOR ANY DAMAGES INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, CONSEQUENTIAL OR SIMILAR DAMAGES, INCLUDING WITHOUT LIMITATION, LOST PROFITS OR REVENUES, LOSS OF USE OR SIMILAR ECONOMIC LOSS, ARISING OUT OF THE USE OF INABILITY TO USE THE SITE. YOU HEREBY ACKNOWLEDGE THAT THE PROVISIONS OF THIS SECTION SHALL APPLY TO ALL USE OF AND CONTENT ON THIS SITE. 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 CONSUMERS LIFE’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION, WHETHER IN CONTRACT TORT INCLUDING ITS OWN NEGLIGENCE OR UNDER ANY OTHER LEGAL THEORY INCLUDING STRICT LIABILITY, EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE.

15. Indemnification. You agree to indemnify and hold Consumers Life and its suppliers, information providers, ISPs, and the officers, directors and employees of Consumers Life (an "Indemnified Party") harmless against any losses, claims, damages, liabilities, penalty actions, proceedings or judgments (collectively referred to as "Losses") to which an Indemnified Party may become subject, related to or arising out of any infringement or misappropriation or alleged infringement or alleged misappropriation of any United States copyright, trademark, trade secret or other proprietary right related to your use of this Website or related to or in connection with this agreement and will reimburse such Indemnified Party for all legal and other expenses, including reasonable attorneys fees incurred by such Indemnified Party in connection with investigating, defending or settling any Loss, whether or not in connection with pending or threatened litigation in which such Indemnified Party is a party.

You also agree to indemnify and hold harmless an Indemnified Party against any Losses to which an Indemnified Party may become subject in which Losses arise our of or relate to this agreement or use of this Website or your negligent or wrongful conduct and will reimburse an Indemnified Party for all legal and other expenses including, without limitation, reasonable attorneys fees incurred by such Indemnified Party in connection with investigating, defending or settling any Loss, whether or not in connection with pending or threatened litigation in which such Indemnified Party is a party.

16. Notices. Any notices required or permitted hereunder may be given by: (1) personal delivery in writing or by mail, registered or certified, postage prepaid with return receipt requested; (2) by facsimile transmission later confirmed by mail; or (3) by overnight delivery. Notices delivered personally shall be deemed given as of the date of actual receipt. Notices delivered by facsimile transmission shall be deemed given as of the date and time of receipt. Notices delivered by overnight mail shall be deemed given as of the date of delivery. Notices delivered by mail shall be deemed given as of three days after mailing. Notices shall be addressed as follows:

If to Consumers Life:

2060 East Ninth Street
Cleveland, Ohio 44115-1355
216-687-6264
216-687-1883 (fax)