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Site Terms of Use

Effective Date: September 8, 2023

Please read the following legal notices (“Terms of Use”) carefully. Your use of our websites (“Sites”) constitutes your agreement with the terms and conditions set forth below. These Terms of Use apply each time you visit our Sites. These Terms of Use are a legal agreement between SNPJ and you — the person who is visiting or using our Sites. Please review these Terms of Use in their entirety.

YOUR USE OF THIS WEBSITE INDICATES YOUR AGREEMENT TO BE BOUND BY ALL TERMS, CONDITIONS, AND NOTICES IN THE CURRENTLY POSTED TERMS OF USE. PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS WEBSITE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, DO NOT USE THIS WEBSITE.

Certain portions of the Sites may contain additional functionality restricted by username/password or other access control mechanism. Access is provided at SNPJ’s sole discretion, may be withdrawn or modified by us at any time, and may be subject to and conditioned upon your acceptance of additional terms and conditions.

Violation of these Terms of Use

If you violate these Terms of Use, your authorization to use the Sites automatically terminates. We reserve the right to deny access to the Sites or any features of the Sites to anyone who violates these Terms of Use or who, in our sole judgment, interferes with the Sites’ functions or features. We reserve the right to seek all remedies available in law and equity for such violations.

Security

You are responsible for maintaining the confidentiality of your login and password or any other access control mechanism, and you are responsible for all uses of your login and password and any other access control mechanism, and any and all related charges resulting from any such use (if applicable), whether or not authorized by you.

Age Requirement

By using the Sites, you certify that you are 18 years of age or older. If you are a resident of a state that imposes additional or different age requirement for entering an enforceable contract, you hereby represent that you meet such age requirement and that your use of the Sites, any information you provide to us, and our use of such information, does not violate the applicable laws or regulations of your state of residence.

Termination and No Waiver

We may terminate or suspend your access to the Sites immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms of Use.

Our failure to exercise or enforce any right or provision of the Terms of Use shall not constitute a waiver of such right or provision. If any provision of these Terms of Use shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions.

Use of Sites

The contents of our Sites may be used for informational purposes only. Any other use of such contents, including the reproduction, modification, distribution, transmission, republication, display or performance of the contents without our prior written consent is expressly forbidden.

You may not use, reproduce, modify, transmit, display, publish, sell, create derivative works, or distribute by any means, method, or process whatsoever, now known or hereafter developed, any content of the Sites for commercial profit or gain. Nothing in these Terms of Use or on the Sites shall be construed as conferring any intellectual property or other proprietary rights to you. You agree to observe copyright and other applicable laws and may not use the content in any manner that infringes or violates the rights of any person or entity. We hold all rights to the content on the Sites.

As a condition of your use of the Sites, you will not use the Sites, or any contents or services, for any purpose that is unlawful in any applicable jurisdiction where our Sites is being used, or prohibited by these terms, conditions, and notices, and you agree to abide by the terms and conditions set forth in the “User Conduct” section. You may not use the Sites contents or services in any manner that could damage, disable, overburden, or impair any of our equipment or interfere with any other party’s use and enjoyment of the Sites, or any contents or services. You may not attempt to gain access to any portion of the Sites, or any of its contents or services, other than those for which you are authorized.

While every effort is made for the timeliness and accuracy of the Sites content and services, we make no warranties either express or implied, and assume no liability or responsibility for the completeness, use, accuracy, reliability, correctness, timeliness or usefulness, of any of the results obtained from its use.

We make no representation or warranty, express or implied, with respect to the content of the Sites, or links to other websites, including but not limited to accurateness, completeness, correctness, timeliness or reliability. We make no representation or warranty regarding the merchantability or fitness for a particular purpose or use with respect to any content or services whatsoever that may be accessed through the Sites, or the results to be obtained from using the Sites. We make no representation or warranty that the Sites or content is free from defects or viruses. Your use of external links and third-party websites is at your own risk and subject to the terms and conditions of use for such links and websites.

While every effort is made so that all content provided on the Sites does not contain viruses and/or harmful materials, you should take reasonable and appropriate precautions to scan for viruses or otherwise protect your computer or device, and you should have a complete and current backup of the applicable items on your computer or device. We disclaim any liability for the need for services or replacing equipment or data resulting from your use of the Sites. While every effort is made for smooth and continuous operation, we do not warrant the Sites will operate error free.

User Conduct

When using our Sites, you shall not submit:

  • a. content for which you have not obtained all necessary consents;
  • b. content that is discriminatory, obscene, pornographic, defamatory, liable to incite racial hatred, in breach of confidentiality or privacy, which may cause annoyance or inconvenience to others, which encourages or constitutes conduct that would be deemed a criminal offense, give rise to a civil liability, or otherwise is contrary to the law in any applicable jurisdiction where our Sites is being used;
  • c. content which is harmful in nature including, and without limitation, computer viruses, Trojan horses, corrupted data, or other potentially harmful software or data.

We will fully cooperate with any law enforcement authorities or court order requiring us to disclose the identity or other details or any person posting materials to our Sites in breach of this Section.

Trademarks/Copyrights

The term “SNPJ” is a trademark and, the SNPJ logo, and combinations of the foregoing and all other trademarks, service marks, trade names, logos and icons, registered or not, are the property of SNPJ Life Insurance Company and certain affiliates of SNPJ Life Insurance Company, or third parties which may be indicated. Other materials, including video, sound recordings, and images on this web site are a copyright of or proprietary to SNPJ or are used with the consent of the owner.

The contents of this site are protected by copyright, trademark or other intellectual property laws of the U.S. or, in some instances, foreign laws. Unauthorized use may violate copyright, trademark and other laws.

You may copy or print materials of SNPJ from this site limited solely for your noncommercial, personal use unless otherwise indicated. You must retain any and all proprietary or copyright notices. You may not copy, transmit, distribute, modify, publicly perform, reuse, sell, or display any of the contents of this website for any public or commercial purpose except with the prior written consent of SNPJ or the owners of the materials. You may not use the contents in any other web site or in a network computer environment.

Links to Third-Party Websites

Links from the Sites to an external website, unaffiliated with SNPJ, may be provided for users’ convenience only. SNPJ does not control or review these websites nor does the provision of any link imply an endorsement or association of such non-SNPJ websites. SNPJ is not responsible for and makes no representation or warranty regarding the contents, completeness or accuracy or security of any materials on such websites. If you decide to access such non-SNPJ sites, you do so at your own risk.

Disclaimers

All information on our Sites is of a general nature and is furnished for your knowledge and understanding and as an informational resource only. The documents and any related graphics published on this server could include technical inaccuracies or typographical errors. Changes are periodically added to the information contained on our Sites. We may make improvements and/or changes to any of the products depicted or described herein at any time. We expressly disclaim any responsibility or liability for any adverse consequences or damages resulting from your use of the Sites or reliance on the information from either.

The materials and services on this web site are provided “as is” and for information purposes only. SNPJ makes no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes.

SNPJ disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability or fitness for a particular purpose or non-infringement of other’s rights. SNPJ does not warrant that the web site will operate error free or is free from viruses, worms, Trojan horses, or other destructive or harmful code. SNPJ makes no representation or warranty that all products and services are available in all locations.

Limitation of Liability

In no event shall SNPJ be liable to you for damages of any kind whatsoever including, but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use the Sites or the materials or services provided on the Sites or the products or services received from the Sites. Exemptions of implied warranties may not be allowed in all jurisdictions.

Governing Laws/Severability of Provisions

We make no representations that the content or the Sites is appropriate or may be used or downloaded outside the United States. If you access the Sites from outside the United States, you do so at your own risk and are responsible for compliance with the laws of the jurisdiction from which you access the Sites.

The Sites and the agreement shall be governed by the laws of the State of Pennsylvania without giving effect to any principles of conflict of laws. If any provision or provisions of this agreement shall be held to be invalid, illegal, or unenforceable, the validity, legality or enforceability of the remaining provisions shall not in any way be affected or be impaired thereby. You agree that any dispute between you and SNPJ arising from your use of the Sites shall be brought exclusively in the state or federal courts of competent jurisdiction in Pennsylvania.

Indemnification

You agree to defend, indemnify, and hold us, our officers, directors, employees, volunteers, agents, licensors, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from or alleged to result from, your use of and access to the Sites or your violation of these Terms or your violation of any third party right, including without limitation any trademark, copyright or other proprietary or privacy right.

Assignment

These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you.

Availability of Services

The Website may be interrupted, including for maintenance, upgrades, or network or equipment failures. We may discontinue some or all the Website, including certain features and the support for certain devices and platforms, at any time.

General

These Terms, together with our Privacy Policy, other terms or legal notices published by us on the Sites, and any other applicable agreements, shall constitute the entire agreement between us concerning use of the Sites. If any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision. YOU AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

Contact us

You can contact us via email at and by mail at: 247 West Allegheny Road, Imperial, PA 15126-9774.