Terms of Service

The Association of Health & Insurance Planning Services for Fraternal Groups, Inc.​


Terms of Use Agreement
Read This “Terms of Use Agreement” Before Accessing Website.
This Terms of Use Agreement (this “Agreement”) was last updated on November 19, 2019.
This Agreement, sets forth the terms of use of the The Association of Health & Insurance Planning
Services for Fraternal Groups, Inc. (“Organization” )Website and Services.  As used herein, “Website”
means and includes, but is not limited to, the following website:  https://fraternalgroupplan.org/​.
BY USING THE WEBSITE, YOU ARE ACCEPTING THIS TERMS OF USE AGREEMENT AND ORGANIZATION’S
PRIVACY POLICY POSTED ELSEWHERE ON THE WEBSITE.  If you do not agree to this Agreement, you
should immediately cease all usage of the Website.
 We reserve the right, at any time, to modify, alter,
or update the terms and conditions of this Agreement without prior notice.  Modifications shall become
effective immediately upon being posted at the Website.  Your continued use of the Website after
amendments are posted constitutes an acknowledgement and acceptance of this Agreement as
modified. 
Description of Service 
Organization is providing Website users (“Users”) with information about the products and services
offered by Organization, and information about Organization’s business (collectively, the “Service”).
User must provide (1)  all equipment necessary for their own Internet connection, and (2) provide for
User’s access to the Internet, and (3) pay any fees relate with such connection.  
The information and materials in this site are provided for your review in accordance with the notices,
terms and conditions set forth herein. These materials are not guaranteed or represented to be
complete, correct or up to date.  You should not act or rely on any information or materials in this site.
These materials may be changed from time to time without notice.
Disclaimer of Warranties. 
You assume all risk when using the Service.
The Website is provided by Organization on an “as is” and on an “as available” basis.  To the fullest
extent permitted by applicable law, Organization makes no representations or warranties of any kind,
express or implied, regarding the use or the results of the Website in terms of its correctness,
accuracy, reliability, or otherwise.  Organization shall have no liability for any interruptions in the use
of the Website.  Organization disclaims all warranties with regard to the information provided,
including the implied warranties of merchantability and fitness for a particular purpose, and non-
infringement.  ORGANIZATION DOES NOT WARRANT THAT YOUR USE OF THE SERVICES WILL BE
SECURE, UNINTERRUPTED, ALWAYS AVAILABLE, ERROR-FREE OR WILL MEET YOUR REQUIREMENTS,
OR THAT ANY DEFECTS IN THE SERVICES WILL BE CORRECTED. ORGANIZATION DISCLAIMS LIABILITY FOR, AND NO WARRANTY IS MADE WITH RESPECT TO, THE CONNECTIVITY AND AVAILABILITY OF THE SERVICES. Some jurisdictions do not allow the exclusion of implied warranties; therefore the above-
referenced exclusion is inapplicable.
Limitation of Liability
ORGANIZATION SHALL NOT be liable for any damages whatsoever, and in particular ORGANIZATION
shall not be liable for any special, indirect, consequential, or incidental damages, or damages for lost
profits, loss of revenue, or loss of use, arising out of or related to this web site or the information
contained in it, whether such damages arise in contract, negligence, tort, under statute, in equity, at
law, or otherwise, even if ORGANIZATION has been advised of the possibility of such damages. SOME
JURISDICTIONS DO NOT ALLOW FOR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL
OR CONSEQUENTIAL DAMAGES, THEREFORE SOME OF THE ABOVE LIMITATIONS IS INAPPLICABLE. 
Notwithstanding anything to the contrary contained herein, Organization’s liability to you for any cause
whatsoever, and regardless of the form of the action, will at all times be limited to the amount paid, if
any, by you to Organization for the Services, but in no event shall Organization’s liability exceed the
amount paid during the last twelve (12) months of Services.  
Indemnification
User agrees to indemnify and hold Organization, its parents, subsidiaries, affiliates, officers, contractors,
experts and employees, harmless from any claim or demand, including reasonable attorneys’ fees and
costs, made by any third party due to or arising out of User’s use of the Service, the violation of this
Agreement, or infringement by User, or other user of the Service using User’s computer, of any
intellectual property or any other right of any person or entity.
Modifications and Interruption to Service
Organization reserves the right to modify or discontinue the Service with or without notice to the User.
Organization shall not be liable to User or any third party should Organization exercise its right to modify
or discontinue the Service. User acknowledges and accepts that Organization does not guarantee
continuous, uninterrupted or secure access to the Website and operation of the Website may be
interfered with or adversely affected by numerous factors or circumstances outside of our control.
Third-Party Sites 
The Website may include links to other sites on the Internet that are owned and operated by third
parties.  You acknowledge that Organization is not responsible for the availability of, or the content
located on or through, any third-party site.  You should contact the site administrator or webmaster for
those third-party sites if you have any concerns regarding such links or the content located on such sites.
 Your use of those third-party sites is subject to the terms of use and privacy policies of each site, and
Organization is not responsible therein.  We encourage all Users to review said privacy policies of third-
parties’ sites.

Governing Jurisdiction of the Courts 
This Website is operated and provided in the State of New Jersey.  As such, we are subject to the laws of
the State New Jersey, and such laws will govern this Agreement, without giving effect to any choice of
law rules.  We make no representation that the Website or Services are appropriate, legal or available
for use in other locations.  Accordingly, if you choose to access the Website you agree to do so subject
to the internal laws of the State New Jersey.  
If there is any dispute arising out of the Website and/or the Service, by using the Website, you expressly
agree and consent to the exclusive jurisdiction and venue of the state and federal courts of the State of
New Jersey, in Bergen County, for the resolution of any such dispute.
Compliance with Laws; Disclosures
User assumes all knowledge of applicable law and is responsible for compliance with any such laws.
 User may not use the Service in any way that violates applicable state, federal, or international laws,
regulations or other government requirements.
Other Prohibited Activities
Organization reserves the right to investigate and terminate your use of the Website if you have
misused the Service, or behaved in a way which could be regarded as inappropriate or whose conduct is
unlawful or illegal. The following is a partial list of the type of actions that you may not engage in with
respect to the Service:

 Impersonating any person or entity.
 Expressing or implying that any statements you make are endorsed by Organization without our
specific prior written consent.
 Use of any robot, spider, site search/retrieval application, or other manual or automatic device
or process to retrieve, index, “data mine”, or in any way reproduce or circumvent the
navigational structure or presentation of the Service or its contents.
 Removal of any copyright, trademark or other proprietary rights notices contained in the
Service.
 Interference with or disruption of the Service or the site or the servers or networks connected to
the Service or the site.
 Posting, e-mailing or otherwise transmitting any material that contains software viruses or any
other computer code, files or programs designed to interrupt, destroy or limit the functionality
of any computer software or hardware or telecommunications equipment.

 Forging headers or otherwise manipulating identifiers in order to disguise the origin of any
information transmitted through the Service.
 “Framing” or “mirroring” any part of the Service or the Website, without Organization’s prior
written authorization.
 Using meta tags or code or other devices containing any reference to Organization or the
Service or the Website in order to direct any person to any other web site for any purpose.
 Modifying, adapting, translating, selling, reverse engineering, deciphering, decompiling or
otherwise disassembling any portion of the Service or the Website or any software used on or
for the Service or cause others to do so.

Other Terms 
If any provision of this Agreement shall be unlawful, void or unenforceable for any reason, the other
provisions (and any partially enforceable provision) shall not be affected thereby and shall remain valid
and enforceable to the maximum possible extent.  You agree that this Agreement and any other
agreements referenced herein may be assigned by Organization, in our sole discretion, to a third party in
the event of a merger or acquisition. The failure of Organization to exercise or enforce any right or
provision of this Agreement does not constitute a waiver of such right or provision.  This Agreement
shall apply in addition to, and shall not be superseded by, any other written agreement between us in
relation to your participation as a User.  User agrees that by accepting this Agreement, User is
consenting to the use and disclosure of their personally identifiable information and other practices
described in the Organization Privacy Policy.

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