Vision of Service
Empower and support Life and Health Insurance organizations through experiential training, intellectual inputs and medically apt cum legally sound opinions.

Disclaimer

This web site is provided for your use on an "as is," "as available" basis. We, along with our affiliates, officers, directors, employees, agents, third-party content providers, merchants, sponsors, licensors, or the like (collectively "associates"), do not make any representations or warranties of any kind, express or implied, with respect to our web site or its content and services, including, without limitation, the products, services or information offered or sold on or through our web site or any other web site to which our web site links and the uninterrupted or error-free use of our web site.

We expressly disclaim all such representations and warranties, including, without limitation, all warranties of merchantability, accuracy, timeliness, completeness, fitness for a particular purpose and non-infringement to the fullest extent permitted by law. We do not warrant that our web site or files available on our web site will be free from corrupted data, computer viruses or similar destructive or contaminating code. No oral advice or written information provided by us or our affiliates shall create a warranty of any kind. Your use of this web site and any site linked to our web site is expressly at your own risk.

Further, we explicitly disclaim any responsibility for any product or service or the accuracy, content, or availability of information found on other web sites that contain links to or from our web site. Because some web sites employ automated search results or otherwise link you to web sites containing information that may be deemed inappropriate or offensive, we cannot be held responsible for the accuracy, copyright compliance, legality, or decency of material contained in third-party web sites, and you hereby irrevocably waive any claim against us with respect to such web sites.

Price and availability information on our web site are subject to change without notice.

Security of Information

As a condition of use of the Website, the user will not use the Website for any purpose that is unlawful or prohibited by these terms, conditions and notices. The User may not use the Site in any manner that could damage, disable, overburden or impair the Website (or the network(s) connected to the Website) or interfere with any other party's utility of the Website. The User may not attempt to gain unauthorized access to the Website, anyone elseís account(s), computer systems or networks connected to the Website, through hacking, password mining or by any other means. The User may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Website.

The websites will disclose personal information of the User, without notice, only if required to do so by law of the land or in the good faith belief that such action is necessary to: (a) conform or comply with the law or legal process served on X-CLAIM or the website; (b) protect and defend the rights or property of X-CLAIM website; and, (c) act under exigent circumstances to protect the personal safety of users of X-CLAIM, its websites or public at large.

For website security purposes and to ensure that this service remains available to all users, X-CLAIM employs software programs to identify unauthorized attempts to upload or change information or otherwise cause damage to the website.

Right To Restrict Use Of The Website

X-CLAIM reserves its right:

  • To exercise sole discretion to impose limits on the usage of this service; and/or
  • To refuse to process transactions with specific users without assigning any reason; and/or
  • To terminate the userís service and refuse all future or current use of this service without assigning any reason.

In no event shall X-CLAIM be liable for any direct, indirect, punitive, incidental, special, consequential damages or any other damages whatsoever including, without limitation, damages for loss of website access, data or profits, arising out of or in any way connected with the use or performance of the service or related web websites, with the delay or inability to use the service or related websites, the provision or of failure to provide services or for any information, software, products, services and related graphics obtained through the service, or otherwise arising out of the use of the service, whether based on contract, tort, negligence, strict liability or otherwise, even if X-CLAIM has been advised of the possibility of damages. X-CLAIM shall not be responsible for unauthorized access to or alteration of your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through the service.