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Terms and Conditions

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Terms and Conditions

Agreement between user and www.AALU.org
Welcome to www.AALU.org. The www.AALU.org website (the "Site") is comprised of various web pages operated by Association for Advanced Life Underwriting ("AALU"). www.AALU.org is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of www.AALU.org constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy of them for your reference.

www.AALU.org is a non-profit membership association Site.
This website is primarily for use by AALU members and prospective members as well as the media and general public interested in public policy issues and market trends that impact the use of life insurance in financial planning. AALU members may renew their membership and prospective members may join the AALU through this website and both groups may also register to attend the AALU Annual Meeting. Other products and services for members and prospective members may be offered from time to time as governed by the terms and conditions of using this site.

Privacy
Your use of www.AALU.org is subject to AALU's Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.

Electronic Communications
Visiting www.AALU.org or sending emails to AALU constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.

Your account
If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that AALU is not responsible for third party access to your account that results from theft or misappropriation of your account. AALU and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.

AALU does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use www.AALU.org only with permission of a parent or guardian.

Cancellation/Refund Policy
The AALU has separate cancellation and refund policies that apply to membership and event registration. Membership in the AALU may be cancelled at anytime upon written notice. Membership fees are not refundable. Event registration, including the AALU Annual Meeting, may be cancelled. Registration fees may be refundable or payments made may be credited to a future event, depending on the date of the cancellation and payment schedule (one-time, quarterly, monthly). A cancellation penalty may apply. For details about how the policies apply to a specific transaction, contact: annualmeeting@AALU.org

Links to third party sites/Third party services
www.AALU.org may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of AALU and AALU is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. AALU is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by AALU of the site or any association with its operators.

Certain services made available via www.AALU.org are delivered by third party sites and organizations. By using any product, service or functionality originating from the www.AALU.org domain, you hereby acknowledge and consent that AALU may share such information and data with any third party with whom AALU has a contractual relationship to provide the requested product, service or functionality on behalf of www.AALU.org users and customers.

No unlawful or prohibited use/Intellectual Property
You are granted a non-exclusive, non-transferable, revocable license to access and use www.AALU.org  strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to AALU that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of AALU or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. AALU content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter anyproprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of AALU and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of AALU or our licensors except as expressly authorized by these Terms.

 

International Users
The Service is controlled, operated and administered by AALU from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the AALU Content accessed through www.AALU.org in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

Indemnification
You agree to indemnify, defend and hold harmless AALU, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorneys' fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. AALU reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with AALU in asserting any available defenses.

Liability disclaimer
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. ASSOCIATION FOR ADVANCED LIFE UNDERWRITING AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.

ASSOCIATION FOR ADVANCED LIFE UNDERWRITING AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. ASSOCIATION FOR ADVANCED LIFE UNDERWRITING AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ASSOCIATION FOR ADVANCED LIFE UNDERWRITING AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF ASSOCIATION FOR ADVANCED LIFE UNDERWRITING OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Termination/access restriction
AALU reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Virginia and you hereby consent to the exclusive jurisdiction and venue of courts in Virginia in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and AALU as a result of this agreement or use of the Site. AALU's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of AALU's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by AALU with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and AALU with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and AALU with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.

Changes to Terms
AALU reserves the right, in its sole discretion, to change the Terms under which www.AALU.org is offered. The most current version of the Terms will supersede all previous versions. AALU encourages you to periodically review the Terms to stay informed of our updates.

Contact Us

AALU welcomes your questions or comments regarding the Terms:

Association for Advanced Life Underwriting

11921 Freedom Drive, Suite 1100
Reston, Virginia 20190

Email Address:
privacy@aalu.org

Telephone number:
703.641.9400

Effective as of September 17, 2012