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LEGAL INFORMATION & WEBSITE USAGE

The American Association of Private Employees

The American Association of Government Employees

17722 Irvine Boulevard

Tustin, CA 92780

Please carefully read this notice before you use this Website. This Website is provided by the American Association of Private Employees / the American Association of Government Employees (“AAPE/AAGE”) and may be used for informational purposes only. By using this Website, or downloading materials from it, you agree to the following terms and conditions. If you do not agree with the following conditions, please exit this Website now.

Website Content

AAPE/AAGE created this Website to be used by our members and representatives. The Website does not, and it is not intended to, provide any financial, legal, accounting, or tax advice, and must not be relied upon by you in that regard. The Website should not be used, or relied upon by you, as a substitute for your independent research or consultation with your own financial, legal or tax advisors.

The information, text, graphics and links provided in this Website are provided by AAPE/AAGE as a convenience to you. AAPE/AAGE will use reasonable efforts to include accurate and up-to-date information. However, due to the nature of the Internet, AAPE/AAGE does not warrant and cannot guarantee the accuracy, completeness or authenticity of the information contained in this Website, or the information, text, graphics, links, Website functionality, and other items contained on this server or its suitability for any purpose.

AAPE/AAGE does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Website or the server that makes it available is free of viruses or other harmful components as such information is received by you because AAPE/AAGE cannot control the transmission of information over this medium. AAPE/AAGE does not warrant or make any representations regarding the use of, or the results of the use of, the materials on this site, or your transmission of any software, data or information from the Website to you.

Information provided on this Website is believed to be reliable when posted. However, we cannot guarantee that information will be accurate, complete and current at all times. This Website could include technical inaccuracies or typographical errors. AAPE/AAGE will from time to time revise the information, products and services described in this Website, and reserves the right to make such changes without notice.

Liability

The use of this Website is entirely at your risk. The materials and information in this Website (including text, graphics, and functionality) are presented without express or implied warranties of any kind and are provided “as is”. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided.

AAPE/AAGE intends for the information contained in this Website to be accurate and reliable. However, errors sometimes occur. Therefore, AAPE/AAGE to the full extent permitted by applicable laws disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose as to any matter whatsoever relating to this Website or the information contained herein.

To the full extent permitted by applicable laws, in no event shall AAPE/AAGE, its agents, employees, directors, and officers be liable for any damages of any kind caused to any person as a consequence of the use of this Website including but not limited to any direct, special, incidental, indirect or consequential damages of any kind including but not limited to loss of use, loss of data or loss of profits, whether or not advised of the possibility of such damage, or based upon any theory of liability, arising out of or in connection with the use or performance of this Website or the information contained herein. We will not be responsible for any detrimental reliance that you may place upon the Website or its contents.

Product Availability

Unless otherwise specified, the materials in the Website are presented solely for the purpose of educating the user about the products and services. Nothing in this Website constitutes an offer to buy or sell products or services. AAPE/AAGE makes no representation that any or all of the materials in the Website are appropriate or available for sale in any or all locations. Not all products and services described are available in all states of the U.S. or the world. No life insurance or other product offered by AAPE/AAGE 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 or other laws of such jurisdiction. No such product is offered or will be sold in any jurisdiction by an entity which is not properly licensed to do so in such jurisdiction. Some products may not be available in all states. In addition, any prospectus information available on this Website is posted for informational purposes only.

Those who choose to access this Website do so on their own initiative and are responsible for compliance with state, local and foreign laws, if and to the extent such laws are applicable.

The products and services referred to in this Website may be offered and sold only to persons in the United States.

This Website is provided for your personal viewing and AAPE/AAGE maintains all copyrights in the text, buttons, layouts, graphic images and logos contained in this Website. Except as stated herein, no portion of this Website or its contents may be reproduced, copied, republished, altered, or transmitted, uploaded, downloaded, or posted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of AAPE/AAGE.

Modification of the materials or use of the materials for any other purpose is a violation of AAPE’s/AAGE’s copyright and other proprietary rights. The use of any such material on any other Website or networked computer environment is prohibited.

You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this Website, without prior written permission of AAPE/AAGE.

An acknowledgment of the source must be included whenever our materials are copied or published. Any infringement of our rights will result in appropriate legal action. AAPE/AAGE disclaims any and all liability which may result from any unauthorized reproduction or use of the information on this site.

License and Reproduction

Permission is granted to print copies of portions of this Website, but not the entire Website, and to display and navigate around this Website with a computer using HTML browser software, solely for personal use. Any commercial use of this Website or any portion hereof is strictly prohibited. A hyperlink to the Uniform Resource Locator (URL) of this Website in HTML documents which you prepare, must be approved in writing or via email, prior to making such hyperlink, and is subject to the following conditions: (a) the URL may be used only for the purpose of hyperlinking to AAPE’s/AAGE’s home page at “http://www.americanassociations.org”; (b) the URL shall be clearly identified as being a link to a Website owned and operated by AAPE/AAGE; and (c) you will make no other use of any AAPE/AAGE intellectual property, other than the URL, without AAPE’s/AAGE’s express written permission.

Trademarks

The AAPE/AAGE logos and the AAPE/AAGE marks are trademarks of the American Association of Private Employees and the American Association of Government Employees. All trademarks, service marks, and trade names are proprietary to AAPE/AAGE or its third party licensors. AAPE/AAGE and its third party licensors enforce their respective intellectual property rights. Use in commerce other than as “fair use” is prohibited by law except by express license from AAPE/AAGE or its third party licensors. Other trademarks and service marks appearing on the website may be the property of either the American Association of Private Employees, the American Association of Government Employees or of third parties used with permission by such third party markholders.

Viruses

Because of the marked increase in the fabrication and proliferation of computer viruses affecting the Internet, we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. AAPE/AAGE is not responsible or liable for any damage caused by such hazards.

AAPE/AAGE cannot and does not guarantee or warrant that files available for downloading from this Website are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. AAPE/AAGE does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, noninfringement or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will AAPE/AAGE be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this site.

Security

Information submitted into secured regions of our Website is protected by AAPE/AAGE using three layers of security:

Users are required to login using a unique user ID and password.

A firewall (a combination of computer hardware and software) keeps unauthorized users from accessing information within AAPE’s/AAGE’s computer network.

Encryption technology is used to secure data when it’s being transferred from one computer to another.

However, all other information submitted to AAPE/AAGE while not logged into secured regions of this Website including electronic mail inquiries, is submitted through the Internet, which is an unsecured, public network.

Although AAPE/AAGE employs the most current and stringent Internet security standards, you acknowledge and confirm that the Internet is not a secure medium where privacy can be ensured, and that complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the Website cannot be guaranteed and you acknowledge that your use of the Website (including information you transmit to the Website) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, AAPE/AAGE shall not be responsible or liable for any harm that you or any other person may suffer in connection with any such breach of confidentiality or security.

Linked Websites

Other Internet or Websites which may provide access to this Website by hypertext links (“hyperlinks”) are entirely independent of this Website. Links to other Internet or Websites from this Website are included as a convenience for our visitors and in no way are meant to imply that AAPE/AAGE endorses, sponsors, promotes or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated. AAPE/AAGE does not guarantee the accuracy of any information in these other sites nor does it assume any liability for the content or presentation of linked sites.

AAPE/AAGE cannot guarantee that the hyperlinks set out on our Website will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks have been independently developed and possibly maintained by person(s) over whom AAPE/AAGE has no control. AAPE/AAGE cannot and does not monitor the sites linked to its pages on the Internet or any transmission made through the respective web pages and news groups. Accordingly, AAPE/AAGE assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. AAPE/AAGE believes that our making available hyperlinks to publicly accessible web pages is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Governing Laws

The applicable federal laws and the laws of the state of California shall govern as to the interpretation, validity and effect of this policy and any use of the Website, without giving effect to any principles of conflicts of law. If any provision of this policy shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this policy and shall not affect the validity and enforceability of any remaining provisions. You hereby consent and submit to the jurisdiction of the courts of the state of California, or the federal courts situated in the state of California, in any action or proceeding instituted under or related to this policy or your use of this Website.

Service Request Forms

Any information requested is for our internal use to service your request. It is not shared with any third party, unless permitted by you or required by law.

Calculators

Any calculators on this Website are there for your information only. AAPE/AAGE cannot guarantee that any of the output information is correct or suitable for your purposes. AAPE/AAGE collects, but does not retain, the data input into these calculators only for the purpose of making the calculation you requested.

Submissions

AAPE/AAGE welcomes your comments regarding our Website. While we do value your feedback, we ask that you not submit to us any suggestions, materials, ideas or creative concepts for new, modified or different products or services via this Website. AAPE/AAGE requests this in order to avoid confusion in the future regarding the origin of the concept, product or service.

If, despite our request that you not send us any creative materials, you in fact send us creative suggestions, ideas, concepts or other information (collectively, the “Information”), such Information shall be deemed by AAPE/AAGE to be, and shall remain, the property of AAPE/AAGE. None of the Information shall be subject to any obligation of confidence on the part of AAPE/AAGE and AAPE/AAGE shall not be liable for any use or disclosure of any Information. Without limiting the foregoing, AAPE/AAGE shall exclusively own all rights to the Information of every kind and nature and shall be entitled to unrestricted use of the Information for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Information.

Website Privacy & Cookie Policy

Please review thisWebsite Privacy & Cookie Policyfrequently as it may change at any time at AAPE’s/AAGE’s sole discretion.

This Website Privacy & Cookie Policy applies only to information we collect through this website and does not apply to our collection of information from other sources.AAPE/AAGE has established the following Website Privacy & Cookie Policy that describes how we use the information we collect from our website visitors. To learn more about how we protect information that is collected when you contract with AAPE/AAGE, please refer to our Privacy Policy.

Collection and Use of Personal Information

Visitors are not required to provide personal information to browse the information found on our website. Personal information is only collected when you voluntarily provide it to us, for example when you first log into your account or submit personal information in an online form. Personal information may include first and last name, address, email address, telephone number, and agent code(s).

Information provided by you through our website is used only to help maintain the business relationship you have with us, or encourage such a relationship. We do not sell information about you. We do not share your information with anyone else for their marketing purposes.

Children’s Privacy. Our website is generally not aimed at children and we do not intentionally collect minors’ personal data, except to provide services that you, as the parent or legal guardian of the minor have authorized. We will never knowingly request personally identifiable information from anyone under the age of 13 without prior verifiable parental or legal guardian consent. If we become aware that a child under 13 has provided us with personally identifiable information without verifiable parental or legal guardian consent, we will use our best efforts to remove such information from our files. If a parent or legal guardian becomes aware that his or her child has provided us with personally identifiable information without verifiable parental or legal guardian consent, he or she should contact us.

Tracking Website Visitors

AAPE/AAGE gathers aggregate tracking information from our website visitors. This aggregate tracking information is:

Collected on an aggregate, anonymous basis, which means no personal information is associated with this data.

Gathered through the use of Web server logs and cookies. A Web server log is a file where website activity is stored. A cookie is a small piece of information that a website sends to a visitor’s computer, which is stored on his or her hard drive. AAPE/AAGE may use cookies to track repeat visits to its website. Although AAPE/AAGE assigns a cookie to a visitor’s computer, the company does not know who that visitor is unless that person specifically tells us.

Shared among AAPE/AAGE business units to improve website content and overall service.

Used for purposes of direct marketing to visitors to our website through social platforms.

To enable us to continually improve the content we offer our website visitors, as well as for systems administration purposes, we collect aggregate information site-wide. This gives us an idea of which parts of our website you are visiting. We do not link IP addresses to anything personally identifiable, which means a visitor’s session will be tracked, but the user will remain anonymous.

AAPE/AAGE does not track its customers over time and across third party websites to provide targeted advertising and therefore does not respond to Do Not Track (DNT) signals.

Last Updated:April, 2020