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Terms of Use

Web Site Terms of Usage

1. Use Restrictions

Absent prior written permission from a manager of ARAG you may not copy, distribute, republish, upload, post, or transmit information contained in this web site ("Information") in any manner. Provided, however, you may download one copy of the Information onto one computer for your personal, non-commercial use only, provided you do not change the Information in any manner and further provided that you do not delete or change any copyright, trademark, or other proprietary notice contained in the Information.

This limited license allows you to use the Information only for lawful uses in accordance with the foregoing and does not allow you to sell the Information, use the Information for commercial use, use any type of data mining, robots, or similar data gathering or extraction methods on this web site. Any Information downloaded by you from this web site is merely licensed to you by ARAG. This license does not transfer to you any intellectual property rights in the Information under any patent, copyright, or trademark. All such rights remain with ARAG. Modifying, or using the Information for any purpose other than as specifically authorized herein violates ARAG intellectual property rights. Absent prior written consent from a manager of ARAG you may not copy or imitate any elements of this web site, including, but not limited to, graphics, digital images, logos, sounds, images, icons and buttons, protected by trade dress and other laws. You may not resell, reverse engineer, disassemble, decompile, or otherwise modify any software contained within the Information. Absent prior written consent from a manager of ARAG, you may not use framing, metatag or hidden text techniques in association with any ARAG trademark, logo or other copyrighted or proprietary information.


ARAG will prosecute all violations of ARAG's proprietary rights and of any other violation of this Agreement to the fullest extent permissible under applicable state, federal and/or international law.

2. Restricted Rights

ARAG grants you only RESTRICTED RIGHTS regarding use of the Information and web site. Use, duplication or disclosure by the U.S. Government is subject to the restrictions set forth in subparagraph (c)(1)(ii) of The Rights in Technical Data and Computer Software clause at DFARS 252.227-7013 or subparagraphs (c)(1) and (2) of the Commercial Computer Software-Restricted Rights at 48 CFR 52.227-19, as applicable. The contractor/manufacturer is ARAG LLC, 500 Grand Avenue, Suite 100, Des Moines, Iowa 50309-2405.

3. Transmissions

User acknowledges that transmissions by User to or from this web site ("Transmissions") are non-confidential and that others may read and/or intercept such Transmissions. ARAG has the right, but not the obligation, in its sole discretion to review any Transmissions transmitted using this web site or ARAG's server and to edit or delete any Transmissions which violate any term of this Agreement. User hereby consents to ARAG's collection and use of such Transmissions in accordance with ARAG's then current Privacy Statement and acknowledge that submitting Transmissions to this web site, creates no confidential or fiduciary relationship between User and ARAG.

4. 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 your use of this web site, including, but not limited to: (1) your submission to this web site of any Transmission; (2) your alleged breach of this Agreement; or (3) your infringement of any intellectual property or other right of any person or entity.

5. Limitation of Liability

IN NO EVENT SHALL ARAG, ITS PARENTS, AFFILIATES, VENDORS OR SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE THIS WEB SITE, OR FOR THE LOSS OF PROFITS, OR DAMAGES THAT MAY RESULT FROM THEFT, DELAYS, OMISSIONS, INTERRUPTIONS, DELETION OF FILES, ERRORS, DEFECTS, VIRUSES, FAILURE OF PERFORMANCE, DESTRUCTION OR UNAUTHORIZED ACCESS TO ARAG RECORDS, OR FOR THE COST OF OBTAINING SUBSTITUTE GOODS AND SERVICES OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF USE, PROFITS, DATA OR OTHER INTANGIBLES WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE), OR OTHERWISE, EVEN IF ARAG HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF IMPLIED WARRANTIES OR EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES. IN SUCH CASES, THE ABOVE LIMITATION OF LIABILITY MAY NOT APPLY TO YOU TO THE EXTENT THAT ARAG TOTAL LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, AND CAUSES OF ACTION SHALL NOT BE GREATER THAN THE TOTALITY OF PAYMENTS MADE BY YOU TO ARAG IN EXCHANGE FOR ALLOWING YOU ACCESS TO THIS WEB SITE.

6. Disclaimer

YOU ACKNOWLEDGE THAT THIS WEB SITE AND THE INFORMATION HEREIN ARE PROVIDED ON AN "AS IS, WHERE IS" BASIS AND THAT ARAG MAKES NO REPRESENTATIONS OR WARRANTIES, EITHER EXPRESSED OR IMPLIED, REGARDING THIS WEB SITE OR THE INFORMATION. ARAG DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, MERCHANTABLILTY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. BY USING OR ATTEMPTING TO USE THIS WEB SITE YOU EXPRESSLY ACKNOWLEDGE: (1) THE INFORMATION COULD INCLUDE TECHNICAL INACCURACIES AND/OR TYPOGRAPHICAL ERRORS; (2) ARAG DOES NOT REPRESENT OR WARRANT THE TIMLINESS, RELIABILITY, COMPLETENESS OR ACCURACY OF THE INFORMATION; AND (3) ARAG DOES NOT REPRESENT OR WARRANT THAT THIS WEB SITE OR ITS SERVER(S) ARE FREE OF ERRORS OR VIRUSES OR OTHER POTENTIALLY DAMAGING CONTENT.

ARAG may periodically change the Information. ARAG reserves the right to implement such changes, at any time without notice to you. Unless specifically indicated in writing to the contrary, no reference in this web site to any products, services, processes, or other information, by trade name, trademark, manufacturer, supplier, or otherwise shall constitute or imply ARAG endorsement or sponsorship thereof.

7. Links to Third-Party Sites

This web site includes hypertext links to other web sites and ARAG has no control over, and makes no representations of any kind regarding the content on such web sites or the content on any web site linked to such web sites, or any changes or modifications made thereto. You hereby acknowledge that by using any such hypertext links, you thereby irrevocably waive any and all claims against ARAG regarding such web sites and must adhere to the usage and privacy policies governing such sites. Note that this web site's use of hypertext links to other web sites does not imply ARAG sponsorship or endorsement of any such web sites.

8. Copyright

All copyrightable Information (other than this web site Terms of Usage and the Privacy Statement ), including the selection and arrangement thereof are copyright © 2000-2010 ARAG. ALL RIGHTS RESERVED. This web site's Terms of Usage and Privacy Statement are copyright © 2000 Brett J. Trout, Esq. Except as stated herein, you may not copy, reproduce, distribute, republish, download, post or transmit, the Information in any form or by any means, including, but not limited to, electronic, mechanical, photocopy, recording, or otherwise, without the prior written permission of ARAG.

9. Copyright Infringement Notice

Pursuant to the Digital Millennium Copyright Act, Title 17, United States Code, Section 512(c)(2) ("DMCA"), ARAG has designated an agent to the U.S. Copyright Office to receive notifications of claimed copyright infringement relating to this web site. You must submit all such notifications relating to this web site in a manner consistent with the DMCA to the following agent:

Web site Content Provider: ARAG LLC
Designated Agent for Receipt of Infringement Notification: Ann Cosimano, Corporate Counsel
Designated Agent's Address: 500 Grand Avenue, Suite 100, Des Moines, Iowa 50309-2405
Designated Agent's Telephone Number: 515-246-1200
Designated Agent's Facsimile Number: 515-246-8710
Designated Agent's E-mail Address: legal@ARAGgroup.com

10. Trademark

All trademarks used on this web site are the property of their respective owners and may not be used without permission therefrom. Whether or not specifically designated as such, ARAG and all other colors, graphics, logos, sounds, images, icons and buttons displayed in this web site ("Marks") are trademarks of ARAG and/or its affiliates. Absent prior written consent from a manager of ARAG, you may not copy imitate or use any portion of the Marks.

11. Impermissible Activity

You must not use this web site or the ARAG server to transmit any data which: (1) is unlawful, threatening or abusive; (2) encourages criminal or other activity which would reasonably give rise to civil liability or otherwise violate any local, state, federal or international law; (3) is vulgar, profane, obscene or offensive; (4) is pornographic, sexually explicit or indecent; (5) contains false or misleading information (6) inhibits another user from use or enjoyment of this web site; (7) is defamatory or libelous; (8) contains a virus or surreptitious code; or (9) contains any type of commercial component or advertising.

12. Data Collection and Use

Your Transmissions are subject to ARAG Privacy Statement By using this web site, you agree to review the Privacy Statement, and be bound by its terms and conditions. From time to time, ARAG may change its Privacy Statement without notice to you. Your continued use of this Web site after the posting of any changes, shall constitute your agreement with and acceptance of such changes.

ARAG does not knowingly collect data directly from anyone under 13 years of age. If you believe ARAG has inadvertently collected any such data, please contact our web site administrator at webmaster for information regarding removal of any such data from our files.

13. Monitoring the Site

You acknowledge that you are solely responsible for all of your activities in relationship to this web site, including the contents of all Transmissions, and the consequences thereof. You agree to indemnify, defend and hold ARAG harmless for any liability arising from your use of this web site. While ARAG respects your privacy, you hereby acknowledge that this Agreement creates no reasonable expectation of privacy in any Transmissions. ARAG may, but is under no obligation to, use blocking and/or filtering software and other monitoring devices to prevent the dissemination of unsolicited electronic communications (spam). You may not use this web site in association with such spam, any computer viruses or any other potentially damaging computer code. ARAG will prosecute Violations of this provision to the fullest extent allowed by law and reserves the right to take additional action regarding any such activity or conduct. Such additional action may include recovery of costs and expenses associated with identifying offenders and preventing their access to this web site as well as lost profits, damages, court costs and attorney fees associated with repairing any damaged software or hardware. Notwithstanding any provisions of the Privacy Policy, ARAG reserves the right to report any Transmissions which it believes violate any law or regulation to appropriate law enforcement officials, regulators, or other third parties, and to assist such parties in their investigations.

14. Governing Law

This is the entire agreement between you and ARAG relating to your use of this web site. The laws of the State of Iowa, United States of America shall govern this Agreement and the Privacy Policy, notwithstanding any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to this Agreement or the Privacy Statement shall be filed only in state or federal court located in Polk County, Iowa, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such action.

15. Termination

Either you or ARAG may terminate this Agreement at any time. You may terminate this Agreement by destroying all materials obtained from this web site. ARAG may terminate this Agreement immediately, without notice, for any reason, or no reason, and reserves the right to block or prevent your future access to this web site.

16. Severability

If any portion of this Agreement or the Privacy Statement is determined by a court of competent jurisdiction to be unlawful, void, or unenforceable, that portion will be deemed severable and will not affect the validity and enforceability of any remaining provisions hereof.
If you do not agree to these Terms of Usage, please do not register with or enter this web site. Your use of the web site signifies your acceptance of these terms. As these terms are subject to change at any time without notice, please check them before using the web site to determine whether a change has been made.