BY VISITING ANY PAGE ON THIS WEBSITE OR ACCESSING ANY CONTENT OR DATA VIA THIS WEBSITE, YOU ARE AGREEING THAT YOU ACCEPT THE TERMS AND CONDITIONS CONTAINED HEREIN, WILL ABIDE BY THIS USER AGREEMENT IN ITS THEN CURRENT FORM AND ARE LEGALLY BOUND BY THIS USER AGREEMENT.
By accessing or using the Horace Mann School ("Horace Mann") website (the "Site"), you hereby accept and agree to comply with the terms and conditions set forth in this User Agreement. This User Agreement is a binding agreement between you and Horace Mann, and governs your access and use of the Site, which includes any information, data, tools, products, services and other content (together, "Content") available on or through the Site. You may contact Horace Mann with questions about the terms and conditions of this User Agreement.
1. Horace Mann grants you a limited right to use the Site.
- Your right to use the Site is subject to your agreement to abide by this User Agreement in its entirety, as well as any other rules, procedures, policies, terms or conditions that govern all or any portion of the Site.
- At any time and for any reason we may revoke your right to use all or any portion of the Site.
- You may not violate or attempt to violate the security of the Site.
- You shall comply with Horace Mann rules and policies with respect to internet and computer use, as included in the Family and Employee Handbooks or as otherwise established by Horace Mann.
2. The Site is owned by Horace Mann, its affiliates and/or third-parties.
- The Site is protected by one or more copyrights, patents, database rights, trademarks, service marks and/or other intellectual property and proprietary rights that are owned by Horace Mann, its affiliates and/or third-parties.
- You may not decompose, decompile, reverse engineer, disassemble or otherwise deconstruct all or any portion of the Site.
- You may not publish, broadcast, retransmit, reproduce, repackage, frame, commercially exploit, create any derivative of or otherwise redistribute all or any portion of the Site except as explicitly permitted in this User Agreement.
- You may print copies of any accessible portion of the Site only for your own personal use.
- You may not remove any copyright, trademark or other proprietary notice or legend contained on (or printed from) the Site.
3. You make certain representations and warranties regarding your use of the Site. You represent and warrant that:
- you have full authority and all rights necessary to enter into and fully perform all of your obligations pursuant to this User Agreement,
- you have not and you will not enter into any agreement or perform any act which might contravene the purposes and/or effects of this User Agreement, and
- you will not delete any Content.
4. All Content is for informational purposes only.
5. You must keep all Content and your password confidential.
- You are solely responsible for the confidentiality and security of your password. You accept full responsibility for any use of your password. You must notify Horace Mann immediately of any actual or suspected loss, theft or unauthorized use of your password.
- We are not obligated to inquire as to the authority or propriety of any use of or action taken under your password. We will not be responsible for any loss to you that arises from such use or action or from your failure to comply with these provisions.
6. Horace Mann is not liable for any technological problems and any impact that they may have.
- All or any portion of the Site may not be available and may not function properly at any time.
- We make reasonable efforts to avoid technological problems, but at any time the Site may have and may cause technological problems such as viruses and other damaging computer programming routines or engines.
- We take reasonable security precautions when using the Internet, telephone or other means to transport data or other communications, but we disclaim liability for any interception of data or communications.
- We make reasonable efforts to ensure that the Site is secure but we do not guarantee the security of the Site.
- We are not liable for any damage or injury caused by the performance or failure of performance of all or any portion of the Site.
- We are not liable for any defects, delays or errors in or resulting from your use of the Site.
7. Horace Mann is not responsible for information on any third-party web site that is referred in, or accessible or connected by hyperlink to, the Site.
- If you access any third-party web site through the Site or otherwise, you do so at your own risk.
- Hyperlinks to or from the Site do not constitute third-party endorsement of, sponsorship by or affiliation with us.
8. Horace Mann has the right but not the obligation to monitor and record activity on the Site and respond as it deems appropriate.
- We may monitor and record activity on the Site for any reason or for no reason.
- We may investigate any complaint or reported violation of our policies.
- We may report any activity that we suspect may violate any law or regulation to regulators, law enforcement officials or other persons or entities that we deem appropriate.
- We may issue warnings, suspend or terminate use of the Site, deny access to all or part of the Site or take any other action that we deem appropriate.
10. HORACE MANN DISCLAIMS ALL WARRANTIES WITH RESPECT TO THE SITE THAT THE LAW ALLOWS IT TO DISCLAIM.
- THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE."
- WE DISCLAIM ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, OF ANY KIND WITH RESPECT TO THE SITE INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND PROPRIETARY RIGHTS.
- WITHOUT LIMITING OUR GENERAL DISCLAIMER, WE DO NOT WARRANT THE AVAILABILITY, ACCURACY, COMPLETENESS, TIMELINESS, FUNCTIONALITY, RELIABILITY, SEQUENCING OR SPEED OF DELIVERY OF THE SITE OR ANY PART OF THE CONTENT.
11. HORACE MANN'S LIABILITY WITH RESPECT TO THE SITE IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
- IN NO EVENT WILL WE OR ANY OF OUR AFFILIATES, AGENTS OR EMPLOYEES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES HOWEVER CAUSED ARISING OUT OF THIS USER AGREEMENT, THE SITE, OR THE INABILITY TO USE THE SITE.
- OUR LIABILITY IS LIMITED EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF THE DAMAGES THAT YOU SUFFER OR IF ANY REMEDY YOU HAVE FAILS OF ITS ESSENTIAL PURPOSE.
- UNDER ALL CIRCUMSTANCES, THE MAXIMUM LIABILITY OF HORACE MANN, ITS AGENTS AND EMPLOYEES TO ANY USER OF THE SITE WITH RESPECT TO THE SITE IS $100.
- THIS DISCLAIMER OF LIABILITY APPLIES TO ANY AND ALL DAMAGES OR INJURY, INCLUDING THOSE CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF OR USE OF ANY ASSET, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE OR UNDER ANY OTHER CAUSE OF ACTION.
12. You will be responsible for any liability to Horace Mann that arises out of your breach of this User Agreement or your use of the Site.
You agree to indemnify, defend and hold harmless Horace Mann and its affiliates, agents, employees and third-party sources from and against any and all suits, losses, claims, demands, liabilities, damages, costs and expenses (including reasonable attorneys' fees) that arise from or relate to:
your use of the Site;
your breach of this User Agreement or any representation, warranty or covenant made by you in this User Agreement;
your violation of any applicable law, statute, ordinance, regulation or of any third-party's rights; or
claims asserted by third-parties which, if proven, would place you in breach of representations, warranties, covenants or other provisions contained in this User Agreement.
13. YOU AGREE TO RESOLVE BY ARBITRATION ANY CONTROVERSY ARISING BETWEEN YOU AND HORACE MANN AND/OR ANY OF OUR RESPECTIVE CONTROL PERSONS, PREDECESSORS, SUBSIDIARIES, AFFILIATES, SUCCESSORS, ASSIGNS AND EMPLOYEES.
- With respect to the resolution of any such controversy, you further acknowledge that:
Arbitration is final and binding on the parties.
The parties are waiving their right to seek remedies in court, including the right to jury trial.
Pre-arbitration discovery is generally more limited than and different from court proceedings.
The arbitrators' award is not required to include factual findings or legal reasoning and any party's right to appeal or to seek modification of rulings by the arbitrators is strictly limited.
The panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with the securities industry.
- Any arbitration under this User Agreement shall be conducted before the American Arbitration Association. Arbitration is initiated by a party serving the other party with a written demand for arbitration or a written notice of intention to arbitrate.
- No person shall bring a putative or certified class action to arbitration nor seek to enforce any pre-dispute arbitration agreement against any person who has initiated in court a putative class action or who is a member of a putative class who has not opted out of the class with respect to any claims encompassed by the putative class action until:
the class certification is denied, or
the class is decertified, or
the customer is excluded from the class by the court. Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this User Agreement except to the extent stated herein.
14. You will be bound by revised versions of this User Agreement that Horace Mann posts on the Site.
- Modifications will be effective immediately upon posting unless we indicate otherwise.
- Your use of the Site indicates your full acceptance of this User Agreement in its then-current form each time you use the Site.
15. You are bound by certain other general conditions.
- We may assign this User Agreement in whole or in part at any time without your consent. You may not assign this User Agreement or delegate any of your obligations under this User Agreement. Any purported assignment of this User Agreement in violation of its terms is void.
- If any provision of this User Agreement is found invalid or unenforceable, that provision shall be enforced to the maximum extent possible and the remaining provisions of the User Agreement shall remain in full force and effect.
- This User Agreement constitutes the entire understanding, and supersedes all other understandings, between you and Horace Mann concerning the subject matter hereof.
- PLEASE NOTE THAT THIS AGREEMENT CONTAINS A PRE-DISPUTE ARBITRATION AGREEMENT, WHICH IS SET FORTH IN SECTION 13 ABOVE.
- THE ABOVE DISCLOSURES SHOULD BE CAREFULLY READ, UNDERSTOOD AND ACCEPTED BY YOU BEFORE YOU ACCESS ANY CONTENT ON THIS SITE.