Legal Notice

Freedom Life Insurance Company of America

National Foundation Life Insurance Company

Enterprise Life Insurance Company


The insurance company subsidiaries of USHEALTH Group, Inc. (hereinafter, “USHEALTH Group”) include Freedom Life Insurance Company of America, National Foundation Life Insurance Company, and Enterprise Life Insurance Company. USHEALTH Group is the brand name for products underwritten and issued by Freedom Life Insurance Company of America, National Foundation Life Insurance Company, and Enterprise Life Insurance Company.

Each of the USHEALTH Group companies is a separate legal entity. As such, none of the individual companies are responsible for the financial condition or contractual obligations of the other USHEALTH Group companies, except as may be expressly provided in a written contract between such entities.

USHEALTH Group requires that each visitor (a "User") to this Internet site on the World Wide Web (the "Site") adhere to the following Terms and Conditions. Please read these Terms and Conditions carefully before using the Site. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Terms and Conditions. If the User does not agree to all of these Terms and Conditions, he or she should not use this Site.

Terms and Conditions

USHEALTH Group requires that each visitor (a "User") to this Internet site on the World Wide Web (the “Site”) adhere to the following Terms and Conditions. These Terms and Conditions govern your access to and use of this Site. Please read these Terms and Conditions carefully before using the Site. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Terms and Conditions. If the User does not agree to all of these Terms and Conditions, he or she should not use this Site.

General
The information contained in this notice is not intended to constitute an offer to sell or a solicitation in connection with any product, security or service. It is provided solely for general informational purposes.

USHEALTH Group reserves the right to withdraw or amend this Site, and any service or material provided on such Site in its sole discretion, without notice. USHEALTH Group will not be liable if for any reason, all or any part of the Site is unavailable at any time for any period.

USHEALTH Group does not warrant the accuracy or completeness of the information, text, graphics, links or other content contained on this Site or any other server. USHEALTH Group makes no representation concerning the suitability of this documentation for any purpose. It is provided “as is” without express or implied warranty. This Site may contain hyperlinks to Web sites operated by parties other than USHEALTH Group. Such hyperlinks are provided solely as a matter of convenience. USHEALTH Group does not control such Web sites and is not responsible for their contents. The inclusion of hyperlinks to such Web sites does not imply any endorsement, approval or certification by USHEALTH Group of the material on such Web sites or any association with their operators.

Personal Information Collection
Personal information about you and your dependents such as name, address, telephone number, e-mail address, date of birth and general health data may be requested on this Web site in order to deliver the requested materials to you, respond to your questions, or to provide a price quote on an USHEALTH Group product. Users agree that all information they provide on the Site is correct, current and complete.

As part of the normal operation of our Site, we may collect a limited amount of information about your visit. The information we may track includes the URL you just came from, which URL you go to after leaving our Site, what browser you are using, and your Internet provider address. This type of information is tracked by many Web sites in order to make sure that visitors are able to use the site information and functions successfully. None of this standard tracking information is personally identifiable. USHEALTH Group does not collect personally identifiable information (information that reveals the visitor's identity) about a visitor unless the visitor knowingly and voluntarily provides such information.

Information Disclosed
The personal information you submit to USHEALTH Group remains your property, but by submitting that information to USHEALTH Group, you grant USHEALTH Group the right to use that information for marketing purposes and to follow up on your request or online visit. USHEALTH Group may also use such information for content improvement and feedback purposes. BY SUBMITTING PERSONAL INFORMATION TO US, YOU PROVIDE YOUR ELECTRONIC SIGNATURE AS YOUR EXPRESS WRITTEN CONSENT ALLOWING US TO CONTACT YOU VIA E-MAIL, FACSIMILE, DIRECT MAIL OR TELEPHONE (INCLUDING USE OF AUTOMATIC TELEPHONE DIALING SYSTEMS, ARTIFICIAL/PRERECORDED MESSAGES, AND/OR TEXT MESSAGES) IN ORDER TO PROCESS AND/OR FULFILL YOUR REQUEST FOR INFORMATION OR FOLLOW UP ON YOUR VISIT, EVEN IF YOU ARE REGISTERED ON THE NATIONAL DO NOT CALL LIST, ANY EQUIVALENT STATE DO NOT CALL LIST, AND/OR THE INTERNAL DO NOT CALL LIST. YOU WILL BE CONTACTED AT THE PHONE NUMBER YOU PROVIDE TO US, REGARDLESS OF WHETHER IT IS A CELLULAR PHONE OR A LAND LINE. YOU UNDERSTAND THAT YOUR CONSENT TO RECEIVE COMMUNICATIONS IN THIS MANNER IS NOT REQUIRED AS A CONDITION OF PURCHASING ANY GOODS OR SERVICES, THAT YOUR TELEPHONE COMPANY MAY IMPOSE CHARGES FOR THESE CONTACTS, AND THAT YOUR CONSENT CAN BE REVOKED AT ANY TIME. If e-mail recipients wish to end their e-mail subscription from a particular list, they need to follow the instructions at the end of each e-mail message to unsubscribe from the particular list. USHEALTH Group's unsubscribe process impacts only the future delivery of electronic mailings disseminated by USHEALTH Group on its own behalf.

Disclaimer of Warranties and Limitation of Liability
USHEALTH GROUP EXPRESSLY DISCLAIMS ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY AND ACCURACY. INFORMATION IN THIS SITE MAY BE CHANGED OR UPDATED WITHOUT NOTICE. USHEALTH GROUP ALSO MAY MAKE IMPROVEMENTS OR CHANGES IN PRODUCTS DESCRIBED ON THIS SITE AT ANY TIME WITHOUT NOTICE. USHEALTH GROUP MAKES NO WARRANTY AS TO THE ACCURACY, CORRECTNESS, COMPLETENESS, TIMELINESS, OR RELIABILITY OF THE CONTENT ON THIS WEBSITE (OR LINKED TO FROM THIS WEBSITE). USHEALTH GROUP MAKES NO REPRESENTATIONS OR WARRANTIES THAT USE OF THIS WEBSITE WILL BE ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE TECHNOLOGY THAT MAKES IT AVAILABLE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR DESTRUCTIVE CODE. YOU ARE RESPONSIBLE FOR TAKING ALL PRECAUTIONS NECESSARY TO ENSURE THAT ANY CONTENT YOU MAY OBTAIN FROM THIS WEBSITE IS FREE FROM VIRUSES AND ANY OTHER POTENTIALLY HARMFUL OR DESTRUCTIVE CODE.

USHEALTH GROUP SPECIFICALLY DISCLAIMS ANY LIABILITY (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE OR SPECIAL DAMAGE ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO OR USE OF THIS SITE (EVEN IF USHEALTH GROUP HAS BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGE), INCLUDING ANY LIABILITY ASSOCIATED WITH ANY VIRUS THAT MAY INFECT A USER'S COMPUTER EQUIPMENT. UNDER NO CIRCUMSTANCES WILL USHEALTH GROUP BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A USER'S RELIANCE ON INFORMATION OBTAINED THROUGH THIS SITE. IT IS THE RESPONSIBILITY OF EACH USER TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH THIS SITE. IF YOU ARE DISSATISFIED WITH THIS WEBSITE OR ITS CONTENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THIS WEBSITE.

Indemnification
You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Use or your use of the Website, including, but not limited to, your User Contributions, any use of the Website's content, services, and products other than as expressly authorized in these Terms of Use, or your use of any information obtained from the Website.

Governing Law
All matters relating to the Site and these Terms and Conditions, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Texas without giving effect to any choice or conflict of law provision or rule (whether of the State of Texas or any other jurisdiction).

Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Texas, in each case located in the City of Fort Worth and County of Tarrant, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

No Representation as to Suitability
USHEALTH Group makes no representation as to the financial or other suitability of any product described on this Site for any User.

Prohibited Uses
Users may use the Site only for lawful purposes and in accordance with these Terms and Conditions. Users agree not to use the Site:

  • In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
  • For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
  • To send, knowingly receive, upload, download, use, or re-use any material that does not comply with the Terms and Conditions.
  • To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation.
  • To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Site, or which, as determined by us, may harm the USHEALTH Group or users of the Site, or expose them to liability.

Additionally, you agree not to:

  • Use the Site in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the Site, including their ability to engage in real time activities through the Site.
  • Use any robot, spider, or other automatic device, process, or means to access the Site for any purpose, including monitoring or copying any of the material on the Site.
  • Use any manual process to monitor or copy any of the material on the Site, or for any other purpose not expressly authorized in these Terms and Conditions, without our prior written consent.
  • Use any device, software, or routine that interferes with the proper working of the Site.
  • Introduce any viruses, harmful code, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
  • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site via a denial-of-service attack or a distributed denial-of-service attack.
  • Otherwise attempt to interfere with the proper working of the Site.

Copyright and Trademarks
All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the “Marks”) displayed on this Site are the property of USHEALTH Group. Users are prohibited from using any Mark for any purpose without the express written permission of USHEALTH Group.

Ownership
The Site, including the content, features, and functionality (including but not limited to all information, software, text, displays, images, video, audio, and design) are owned, controlled or licensed by USHEALTH Group. USHEALTH Group and/or its licensors retain all right, titles and interest to all material provided on this Site. The posting of information and material on this Site does not constitute a waiver by USHEALTH Group or any of its licensors of any rights in such material and does not transfer any rights to any User of the Site.

Linking
The User may leave this Site and access other sites on the World Wide Web that USHEALTH Group does not maintain. USHEALTH Group is not responsible for the content available on any other site on the World Wide Web linked to this Site and disclaims any responsibility for such other sites. Access to any such other site linked to this Site is at the User's own risk.

Your Internet User Information
When you come to this Web site, we log your current Internet address (this is usually a temporary address assigned by your Internet service provider when you log in), the type of operating system you are using, and the type of browser software used. In addition, we may keep track of what areas of our Web site you visit. This information helps us improve our site and ensure that the information you need is easy to access. While we track this information about the technology you are using, we do not identify who you are. You will remain anonymous to our system unless you choose to tell us who you are. For example, when you submit a question via our e-mail submit form, this information is kept confidential and only disclosed to those who may be able to help answer your question within the company. We do not disclose your personal information to other companies who intend to sell their products or services to you. For example, we will not sell your name or email address to a catalog company.

We allow third-party companies to serve/display ads and/or collect certain anonymous information when you visit our web site. These companies may use non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) during your visits to this and other Web sites in order to provide advertisements about goods and services likely to be of greater interest to you. These companies typically use a cookie or third party web beacon to collect this information. Some of these marketing and analytic companies are members of the Network Advertising Initiative (hereinafter, “NAI”) cooperative. To learn more about this behavioral advertising practice or to opt-out of this type of advertising delivered by NAI member companies, you can visit https://www.networkadvertising.org/.

Provider Links
USHEALTH Group does not guarantee that information contained within network provider directories is accurate, nor does USHEALTH Group guarantee the availability of any particular provider. USHEALTH Group does not guarantee that all services provided at a preferred provider organization (hereinafter, “PPO”) hospital, PPO surgery center, or PPO physician or dental office will be provided by a PPO provider. To assure the provider you choose is currently a participating network provider, call the phone number listed on your I.D. card.

Laws and Regulations
Access to and use of this Site are subject to all applicable federal, state and local laws and regulations.

Access to Password Protected or Secure Areas
Access to and use of password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution.

Forward-Looking Statements
This Site includes "forward-looking statements" that express expectations of future events and/or results. All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and USHEALTH Group cannot give assurance that such statements will prove to be correct.

Changes to Terms and Conditions
USHEALTH Group reserves the right to revise theses Terms and Conditions at any time and Users are deeded to be apprised of and bound by any changes to these Terms and Conditions. Your continued use of this Site following the posting of revised Terms and Conditions means that the User accepts and agrees to the changes.

Violations of Terms and Conditions
USHEALTH Group reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site.


Paperless Policy/Certificate Terms and Conditions

The following Terms and Conditions provide how the paperless policy/certificate process operates. By participating in this paperless option, you have agreed to view and download your electronic policy/certificate documents from our secure customer website at myUSHG.ushealthgroup.com. In doing so, you also agree to be bound by these Terms and Conditions.

We (Freedom Life Insurance Company of America/National Foundation Life Insurance Company/Enterprise Life Insurance Company) reserve the right to amend these Terms and Conditions at any time and will provide you notice when changes are made. You may terminate this paperless option if you do not agree to be bound by the updated Terms and Conditions.

Paperless Option
With the paperless option, you will receive the same policy/certificate documents as you would on paper, but in an electronic (paperless) format. You will be able to access your policy/certificate documents through a secure customer website at myUSHG.ushealthgroup.com, once your application is approved. After your application is approved, you will receive an email notification at the email address you provided on your application advising you when your policy/certificate documents are available for viewing online. This email will also contain information and instruction on how to access the secure customer website, where you can review and print you policy certificate documents. With current and inforce coverage, you will always be able to access this secure customer website and review your policy/certificate documents.

Software Requirement
Internet access and a current version of Adobe Reader is required. In the email we send you, there will be a link if you need to download and install a free copy of Adobe Reader or require an upgrade.

Email Address
With your decision to receive your paperless policy/certificate, you agree to provide us with a current and active email address. You will need to notify us of any change to this email address. You can update your email address by signing into the secure customer website at myUSHG.ushealthgroup.com, or by calling our Customer Service department. Please know, you can only have one designated email address. This email address will be used to notify you when new documents are available for viewing. If by chance we are unable to deliver an email to the email address you provided us, we will mail the policy/certificate documents to you in paper format.

Opting Out of Paperless Option
For your convenience, you may later decide to discontinue this paperless option. You can do so by contacting us, or updating your Profile by signing into the secure customer portal at myUSHG.ushealthgroup.com. Please know, even when you discontinue this paperless option, we will still make your policy/certificate available in the secure customer website with other documents.

Privacy and Security
We are very mindful of our customer’s personal information and work to keep it secure. We are constantly reviewing and monitoring our privacy and security practices to keep information secure.