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TERMS AND CONDITIONS OF WEBSITE USE


INTRODUCTION

The following are terms of a legal agreement between you and ARAG, North
America, Inc. (ARAG). By accessing, browsing, or using this website, you accept
and agree to be bound by the terms and provisions of this agreement. In
addition, when using this website's particular services, you shall be subject to
any posted guidelines or rules applicable to such services. ARAG may, without
notice to you at any time revise these Terms and Conditions of Website Use by
updating this posting. ARAG may also make improvements or changes in the
products, services, or programs described in this site at any time without
notice.

ANY PARTICIPATION IN THIS SITE WILL CONSTITUTE ACCEPTANCE OF THIS AGREEMENT. IF
YOU DO NOT AGREE TO ABIDE BY THE ABOVE, PLEASE DO NOT USE THIS SITE.


LIMITATION OF LIABILITY

This website and its components are offered for informational purposes only;
ARAG shall not be responsible or liable for the accuracy, usefulness or
availability of any information transmitted or made available via the website,
and shall not be responsible or liable for any error or omissions in that
information. While every effort has been made to ensure the accuracy of this
site, it is not intended as legal advice as individual situations will differ
and should be discussed with an expert and/or lawyer. If you have questions
concerning coverage, please refer to your ARAG legal plan.

The material on our sites is provided as is. This means that ARAG disclaims all
express and implied warranties about the material in the sites. This includes,
but is not limited to, warranties that:

 1. the material is of any particular level of quality or is fit for a
    particular purpose;
 2. that the functional elements contained in the materials will be
    uninterrupted or error-free;
 3. that defects will be corrected;
 4. that ARAG's sites, or the servers that make them available are free of
    computer viruses or other harmful components or conditions; or
 5. that information contained in the sites is accurate as of any particular
    date.

In no event will ARAG be liable to any party for any direct, indirect,
incidental, special, exemplary or consequential damages of any type whatsoever
related to or arising from this website or any use of this website, or of any
site or resource linked to, referenced, or accessed through this website, or for
the use or downloading, or access to, any materials, information, products, or
services, including, without limitation, any lost profits, business
interruption, lost savings or loss of programs or other data, even if ARAG is
expressly advised of the possibility of such damages. This exclusion and waiver
of liability applies to all causes of action, whether based on contract,
warranty, tort, or any other legal theories.

By providing material on our website, ARAG does not in any way promise that the
materials will remain available to you or that you will qualify for the products
we offer. ARAG is entitled to terminate all or part of any of its websites at
any time, without notice to you.

We sometimes provide access to other World Wide Websites from our website or you
may have reached our site from another site. However, we do not endorse or
approve any products or information offered to you at sites you may reach from
our sites or from which you may have reached our site. The Uniform Resource
Locator (URL) address in your web browser will tell you if you are still in an
ARAG site (ARAGlegal.com or ARAGgroup.com) or have moved elsewhere.

When you select a password and sign-up in order to access ARAG's online
services, you agree to the following conditions:

 * ARAG is authorized to act on instructions received under your password
   without any requirement to question those instructions;
 * ARAG is not liable for any unauthorized access to your personal information
   that is not directly due to the negligence of ARAG;
 * Your password contains sensitive information and you will keep it
   confidential and secret;
 * You will notify ARAG immediately if you believe anyone else has learned your
   password or if you believe an unauthorized access to ARAG or your personal
   information has occurred or may occur;
 * ARAG may deny access or block any transaction made under your password
   without prior notice if we believe your password is being used by someone
   other than you, or if any unauthorized access to your personal information
   has occurred or may occur, or for any other reason, but we are under no
   obligation to do so.
 * Violating the Terms and Conditions of Website Use may lead to a revocation of
   ARAG website access privileges.


INTELLECTUAL PROPERTY RIGHTS

The website and the information it contains are the property of ARAG and, in
some cases, its affiliates and licensors, and are protected by United States and
international intellectual property laws. "ARAG®", the ARAG logo, the "L" logo,
the Gavel logo, "BRIEFLY SPEAKING™," "LEGAL PLAN INSIGHT®," "FINANCIAL
ESSENTIALS™," "HOME ESSENTIALS™," "FAMILY ESSENTIALS™," "ULTIMATEDEFENDER®,"
"ULTIMATE LEGAL PLAN®," "LEGAL ESSENTIALS®," "GREEN FAIR®," "CASEASSIST®," "DIY
DOCS®," "LEGAL RESCUE®," "IDENTITY THEFT CASE SOLUTIONS®," "ARAG DIRECT,"
"LEGALRX®," "MY STORY®," "EXPAND YOUR HORIZONS®," "SENIORADVOCATE®," "LAW
EXPRESSO®," "ULTIMATEADVISOR®," "SIMPLIFYING A COMPLICATED WORLD®," and LEGAL
NOW™" are registered trademarks or trademarks of ARAG in the United States and
other countries. This is not intended as a complete list of ARAG trademarks and
other ARAG product or service names or logos appearing in the site may be
trademarks or services marks of ARAG or its affiliates.

Except as expressly provided herein, you shall not use any portion of this
website, or any other intellectual property of ARAG (including, but not limited
to ARAG-related service marks), on any other website, in the source code of any
other website, or in any other printed or electronic materials. Except as
expressly provided herein, you shall not modify, publish, reproduce, republish,
create derivative works, copy, upload, transmit, distribute, or otherwise use
any of this website's content or frame this website within any other website
without ARAG's prior written permission. However, sharing of ARAG's content on
social networks is permitted so long as the content is properly sourced, remains
intact and is not modified. Systematic retrieval of data or other content from
this site to create or compile, directly or indirectly, a collection,
compilation, database or directory, without prior written permission from ARAG,
is prohibited.

All copyrightable Information (including the Terms of Usage and the Privacy
Statement) including the selection and arrangement thereof are copyright © 2015
ARAG North America, Inc. ALL RIGHTS RESERVED.


COPYRIGHT VIOLATION

If you believe any materials accessible on or from the website or the products
infringe your copyright or other intellectual property, you may request removal
of those materials (or access thereto) from the website or the products by
contacting our copyright agent (identified below) and providing the following
information:

 1. Identification of the copyrighted work that you believe to be infringed.
    Please describe the work, and where possible include a copy or the location
    (for example, the URL) of an authorized version of the work.
 2. Identification of the material that you believe to be infringing and its
    location. Please describe the material, and provide us with its URL or any
    other pertinent information that will allow us to locate the material.
 3. Any information required to be included in a copyright infringement report
    under the Digital Millennium Copyright Act (DMCA).
 4. Your name, address, telephone number and (if available) email address.
 5. A statement that you have a good faith belief that the complained use of the
    materials is not authorized by the copyright owner, its agent, or the law.
 6. A statement that the information that you have supplied is accurate, and
    indicating that "under penalty of perjury" you are the copyright owner or
    are authorized to act on the copyright owner's behalf.
 7. A signature or the electronic equivalent from the copyright holder or
    authorized representative.

Our agent for copyright issues relating to the Site and the Products is as
follows:

ARAG North America, Inc.
Ann Cosimano, General Counsel
500 Grand Avenue
Suite 100
Des Moines, IA  50309-2405


PRIVACY

All information collected from users of our sites is subject to our Privacy
Policy, which is incorporated by reference into this agreement. For more
information, see our Privacy Policy.


INDEMNIFICATION

You agree to defend, indemnify and hold ARAG, its parents, subsidiaries,
affiliates, managers and employees, its suppliers and their respective
affiliates and agents, harmless from all claims, liabilities, damages and
expenses (including attorneys' fees and expenses) arising out of or relating to,

 1. your submission to this website of any intentionally malicious transmission;
 2. your alleged breach of this Agreement; or
 3. your infringement of any intellectual property or other right of any person
    or entity.


JURISDICTION

Unless otherwise specified, the materials in our site are presented to provide
information about ARAG, our insurance products and the insurance business. Iowa
law shall govern and control any action concerning the ARAG sites. We do not in
any way imply that the materials on the sites or the products we discuss are
available or for use outside the United States or in jurisdictions in which we
are not licensed to do business, or that we are soliciting business in any such
jurisdiction. By completing an on-line purchase of an insurance product, you are
confirming that you are not a resident in any such jurisdiction.

By using the araglegal.com or araggroup.com website, you agree to these Terms
and Conditions of Website Use.


MISCELLANEOUS

These Terms and Conditions of Website Use, and the agreement they create, shall
be governed by and interpreted according to the laws of the State of Iowa,
without giving effect to Iowa's conflict of laws principles.

If any provision of this agreement is unlawful, void or unenforceable, it shall
not affect the validity and/or enforceability of any remaining provisions.

ARAG may modify these Terms and Conditions of Website Use, and the agreement
they create, at any time, simply by updating this posting or the information on
its website and without notice to you.

For tax purposes only, when purchasing an ARAG product containing identity theft
protection or financial planning services, the selling price comprises
approximately 3.2% and 0.08% of the overall sales price, respectively.

© 2019 ARAG North America, Inc.

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© 2022 ARAG North America, Inc.

Limitations and exclusions apply. Depending upon a state's regulations, ARAG's
legal insurance plan may be considered an insurance product or a service
product. Insurance products are underwritten by ARAG Insurance Company of Des
Moines, Iowa. Service products are provided by ARAG Services, LLC. This material
is for illustrative purposes only and is not a contract. For terms, benefits or
exclusions, contact us.

Eligibility, coverage, limitations and exclusions of identity theft insurance
are governed by a separate coverage document.

Photographs depicted on this website are fictional customers and/or paid models
or actors, and are not actual customers. Publications and articles are provided
as educational material only. While every effort has been made to ensure their
accuracy, it is not intended as legal advice as individual situations will
differ and should be discussed with an expert and/or lawyer. By clicking on
third-party links provided, you are connecting to another website. We have
provided links to these sites for information that may be of interest to you.
These links and any opinions, products, services or any other sites contained
therein are not endorsed by ARAG. ARAG is not responsible for the legality or
accuracy of the information contained therein, or for any costs incurred while
using this site.

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