You must be at least 13 years of age to use this website. By using this website you warrant and represent that you are at least 13 years of age.
License To Use This Website
Unless otherwise stated, NPLH® and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.
You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.
You may not:
- republish material from this website (including republication on another website);
- sell, rent or sub-license material from the website;
- show any material from the website in public;
- reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose; edit or otherwise modify any material on the website; or
- redistribute material from this website except for content specifically and expressly made available for redistribution
You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.
You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without NPLH®’s express written consent.
You must not use this website for any purposes related to marketing without NPLH®’s express written consent.
Access to certain areas of this website may be restricted. NPLH® reserves the right to restrict access to other areas of this website, or indeed this entire website, at NPLH®’s discretion.
If NPLH® provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential. NPLH® may disable your user ID and password in NPLH®’s sole discretion without notice or explanation.
In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.
You grant to NPLH® a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to NPLH® the right to sub-license these rights, and the right to bring an action for infringement of these rights.
Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or NPLH® or a third party (in each case under any applicable law).
You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.
NPLH® reserves the right to edit or remove any material submitted to this website, or stored on NPLH®’s servers, or hosted or published upon this website.
This website is provided “as is” without any representations or warranties, express or implied. NPLH® makes no representations or warranties in relation to this website or the information and materials provided on this website.
Without prejudice to the generality of the foregoing paragraph, NPLH® does not warrant that:
- this website will be constantly available, or available at all; or
- the information on this website is complete, true, accurate or non-misleading
Limitations Of Liability
NPLH® will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:
- to the extent that the website is provided free-of- charge, for any direct loss;
- for any indirect, special or consequential loss; or
- for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data
These limitations of liability apply even if NPLH® has been expressly advised of the potential loss.
Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit National Prosperity Life And Health Insurance Company, Inc.’s liability in respect of any:
- death or personal injury caused by NPLH®’s negligence;
- fraud or fraudulent misrepresentation on the part of NPLH®; or
- matter which it would be illegal or unlawful for NPLH® to exclude or limit, or to attempt or purport to exclude or limit, its liability
By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.
If you do not think they are reasonable, you must not use this website.
You accept that, as a limited liability entity, National Prosperity Life And Health Insurance Company, Inc. has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against National Prosperity Life And Health Insurance Company, Inc.’s officers or employees in respect of any losses you suffer in connection with the website.
Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect National Prosperity Life And Health Insurance Company, Inc.’s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as National Prosperity Life And Health Insurance Company, Inc.
If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.
You hereby indemnify NPLH® and undertake to keep NPLH® indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by NPLH® to a third party in settlement of a claim or dispute on the advice of NPLH®’s legal advisers) incurred or suffered by NPLH® arising out of any breach by you of any provision of these terms and conditions.
Breaches Of These Terms And Conditions
You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.
Law and Jurisdiction
NPLH® is located in the state of Texas.
NPLH®’s postal address is:
National Prosperity Life And Health Insurance Company, Inc.
5120 Woodway Drive
Houston, TX 77056