Terms & Conditions

Legal Information and Terms of Use

Please carefully read this notice before you use this web site. This web site is provided by SFLIC and may be used for informational purposes only. By using this web site, or downloading materials from it, you agree to abide by the following terms and conditions. If you do not agree with the following conditions of use, please exit this web site.

Your Acceptance of Terms

By linking, referencing, using or accessing web sites of SFLIC and its affiliates and subsidiaries, you agree to these Terms of Use, including agreeing to indemnify and hold harmless SFLIC from all claims of any nature. These Terms of Use may be changed at any time at the sole discretion of SFLIC.

Product Issuers and Distributors

SFLIC is an insurance company that provides a variety of life insurance and annuity insurance products issued by SFLIC in Arkansas, Louisiana, Mississippi and Oklahoma.

Privacy

All personal information is subject to the Privacy Policies of SFLIC. The Privacy Notices summarizing the policies may be accessed by clicking on the Privacy Policy link at the bottom of any page on this website.

No Legal or Investment Advice; Calculators/calculations

Content found on SFLIC and its affiliates web sites should not be construed to be legal or investment advice. Users are responsible for obtaining their own competent legal and investment advice from qualified professionals at their own expense. Retirement and/or financial calculators/calculations which may be provided within these web sites are provided solely for you to estimate hypothetical future financial or retirement status. You are responsible for the accuracy of any estimates and should not rely solely on these calculators. Seek advice from qualified providers before you make any investment or retirement decisions.

Products and Services Information

Products and services are offered through SFLIC and its affiliates. Not all products and services described are available in all states of the USA, or elsewhere in the world. Annuities and insurance are not insured by the FDIC and involve risk, including the possible loss of principal invested. The product information contained on this Web site has been prepared for informational purposes only and is not intended to constitute a solicitation or offer for sale. For further information, please contact SFLIC or the affiliate offering the product, or your agent or representative through whom the product may be purchased, for detailed information about the product’s benefits, costs, risks and suitability for your specific needs.

Links to Other Web Sites - Limitation of Liability

SFLIC may provide, for your convenience and information only, links to other Internet Web sites. Because SFLIC does not have control over these sites, you agree that SFLIC and its affiliates are not responsible for any liability resulting from the access or use of sites not owned by SFLIC and SFLIC is not responsible for any content, advertising, product, or any other matter or issue, available through other Internet Web sites, whether linked to, or from, web sites of SFLIC and its affiliates. Further, you agree that SFLIC shall not be responsible or liable, directly or indirectly, for any damage or loss caused, or alleged to be caused by or in connection with the use of web sites SFLIC and its affiliates own.

Indemnification

By linking, referencing, using or accessing web sites of SFLIC and its affiliates, you agree to these Terms of Use, including agreeing to defend, indemnify and hold harmless SFLIC and its affiliates, their officers, directors, employees, agents, registered representatives, licensors, suppliers and any other third party, without limitation, against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of these "Terms of Use."

This Web Site - Disclaimer of Warranty and Limitation of Liability

USE OF THIS SITE IS ENTIRELY AT YOUR OWN RISK. THE SITE AND MATERIALS ARE PROVIDED "AS IS." TO THE MAXIMUM EXTENT PERMITTED BY LAW, SFLIC AND ITS AFFILIATES AND SUBSIDIARIES DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, EVEN IF SFLIC AND ITS AFFILIATES AND SUBSIDIARIES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. UNDER NO CIRCUMSTANCES SHALL SFLIC AND ITS AFFILIATES AND SUBSIDIARIES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING FROM VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES OR YOUR REFERENCING, USING, ACCESSING, INABILITY TO USE OR ACCESS OR LINKING TO OR FROM THE WEB SITES OF SFLIC AND ITS AFFILIATES AND SUBSIDIARIES OR ANY ERRORS OR OMISSIONS IN THE CONTENT THEREOF.

Governing Law; Severability

Some jurisdictions may not allow the exclusion of certain warranties or the limitation or exclusion of liability for consequential or incidental damages. If so, the liability of SFLIC and its affiliates is limited to the greatest extent permitted by law.

Copyright and Proprietary Rights in Marks, Logos and Materials

Materials and intellectual property found on web sites of SFLIC and its affiliates are protected by copyright and other intellectual property laws and treaties in the United States and worldwide. Trademarks, service marks and logos used on web sites of SFLIC and its affiliates are registered and unregistered trademarks, subject to the laws of the United States and other countries worldwide. Trademarks, service marks and logos used on these web sites that have been provided by others are the property of their respective owners. You may not copy, modify, store, transmit, reproduce, or distribute any part of the information or content of our trademarks, service marks or logos used on these web sites without the specific written consent of SFLIC or their respective owners. If you would like to link to any Web site of SFLIC or an affiliate or use its logos on your site, please contact us at eat0@eau0eav0eaw0.

Proprietary Marks and Logos

The entire content of this Web site, including all text, graphics, images, photos, video, audio, logos, other material and the arrangement of such content, is owned by SFLIC or its affiliates and subsidiaries and is protected by copyright under United States and foreign laws, unless otherwise indicated. Other products and services described on this web site are the marks of SFLIC unless otherwise indicated.

How to Contact Us

Address inquiries concerning the use of any copyrighted material, trademarks, service marks, or other intellectual property to SFLIC.

These Website Terms and Conditions of Use apply to the web site owned and operated by SFLIC and its subsidiaries, affiliates, and related group of companies (collectively “SFLIC”), including but not limited to: www.SFLIC.net (collectively and each separately, the “Site”). Any use of this site constitutes your agreement to these Terms and Conditions of Use.

The Website Privacy Policy is incorporated into and is part of this Terms and Conditions of Use. The Privacy Policy includes terms, such as Special Note about Children, that are important to the Terms and Conditions of Use.

This Site Contains No Third-Party Marketing or Advertising

The members of the SFLIC Group of companies are licensed and authorized to offer insurance in various jurisdictions worldwide. SFLIC (SFLIC) is licensed in the State of Arkansas. All U.S. business placed with these companies must be placed in accordance with U.S. regulatory requirements, and coverage must comply with local law. Nothing in this site should be construed to solicit insurance business from U.S. residents.

Use of Content

The Content is protected by all applicable intellectual property laws, including without limitation, Title 17 of the United States Code. The Content contains trademarks, service marks, copyrighted material, registered and unregistered trademarks of SFLIC and its licensors. All rights and title to the Content, trademarks, service marks and copyrighted material herein remain with SFLIC or its licensors, at SFLIC’s discretion.

SFLIC licenses you only to view the site, and to download (at your own risk) a single copy of the Content solely for your personal use, provided that you do not publish, abuse, quote, misuse, alter, obscure, or remove any copyright or trademark notice present in the Content. All rights not expressly granted herein are reserved to SFLIC and its licensors, and if you violate any of the conditions set forth above, your license to view the Content shall automatically terminate and you must immediately destroy any electronic or paper copies of the Content in your possession. You may not reproduce, duplicate, copy, sell, trade, resell, or exploit for commercial or other gain any portion of the site or the Content. You may not circumvent or disable any security measure adopted by the site (including, without limitation, making available any use passwords or access codes issued to others.) You may not access or use the source code (other than human readable HTML code made available through the ordinary operation of commercial browsers) used to implement and operate the site by any means, including, without limitation, reverse engineering such source code through reverse engineering, decompilation, or disassembly of executable code made accessible through the site. You may not link to this site.

Access Control

It is your sole responsibility to (i) control the dissemination and use of activation codes and passwords; (ii) authorize, monitor, and control access to and use of your member account and password; (iii) promptly inform SFLIC IT Technical Support of any need to deactivate a password. You grant SFLIC and all other persons and entities involved in the operation of the site the right to transmit, monitor, retrieve, store, and use any and all of your information in connection with the operation of the site.

Termination

SFLIC reserves the right, at its sole discretion, to revoke, reduce, limit, restrict or otherwise amend your licensee to view this site, including termination, with or without cause, for any reason or no reason. These actions are in addition to and not in lieu or limitation of any other right or remedy SFLIC may have available at law or equity. Further, SFLIC shall not be liable to you or any third party for any such termination, restriction, change, amendment or discontinuance.

Choice of Law and Jurisdiction

You expressly agree that exclusive jurisdiction for any dispute with SFLIC, or in any way relating to your use of this site, resides in the federal or state courts of Garland County, in the State of Arkansas and you further agree and expressly consent to the exercise of personal and subject matter jurisdiction in the courts of the State of Arkansas in connection with any such dispute including any claim involving SFLIC or its affiliates, subsidiaries, employees, contractors, officers, or directors.

These Terms and Conditions of Use are governed by the internal substantive laws of the State of Arkansas, without respect to its conflict of laws principles. If any provision of these Terms and Conditions of Use is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions of Use, which shall remain in full force and effect.

Liability of SFLIC and its Licensors

The use of the site and the Content herein is at your own risk. The site and the Content are provided on an “AS IS” basis. You should not assume that the Content is complete or up to date on any particular topic. SFLIC assumes no liability arising from or relating to the delay, failure, omission, action, inaction, interruption, or corruption of any data or other information transmitted in connection with use of the site.

YOUR USE OF THIS SITE AND ITS CONTENTS IS STRICTLY AT YOUR OWN RISK. SFLIC and its licensors and suppliers are not liable for direct, indirect, incidental, special, consequential, or other damages, punitive or otherwise, whether foreseeable or unforeseeable, of any kind whatsoever, arising out of or in connection with this site, whether based on warranty, contract, tort, negligence, act, omission, product liability or any other legal or equitable theories, even if SFLIC and its licensors and suppliers have been directly or indirectly placed on notice of any defect, omission, or required amendment to the site.

SFLIC is not liable to you or anyone else for any decision made or action taken based on reliance upon Content or the site.

SFLIC, AND ITS LICENSORS AND SUPPLIERS, EXPRESSLY DISCLAIM ALL WARRANTIES FOR THE CONTENT OF THE SITE, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, TITLE AND FITNESS FOR ANY PARTICULAR PURPOSE.

SFLIC, and its licensors and suppliers, make no representations or warranties about (i) the accuracy, reliability, completeness, currency, or timeliness of the Content, software, links, or communications provided on or through the use of the site, and (ii) the satisfaction of government regulations requiring disclosure of information or the approval or compliance of any software tools with regard to Content provided on the site.

Indemnity

You agree to defend, indemnify and hold SFLIC, its officers, directors, employees, agents, licensors and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements (including without limitation reasonable attorney and accounting fees or costs), resulting from or alleged to result from your violation of these Terms and Conditions of Use.

External Links

This site may, from time to time, contain links to third-party web sites. The linked sites are not under the control of SFLIC, and SFLIC is not responsible for the contents of any linked site. SFLIC provides these links as a convenience only, and a link does not imply endorsement of, sponsorship of, or affiliation with the linked site by SFLIC. You should investigate these links and information on these links as you feel necessary or appropriate before proceeding with any transaction with any of these third parties. Your use of third-party web sites is at your own risk and subject to the terms and conditions of use for such sites. SFLIC disclaims any and all liability for any and all information set forth on linked sites.

Modifications to Terms and Conditions of Use

Any modifications made to these Terms and Conditions of Use will be effective immediately upon posting on this site. By accessing or using the site, you agree to be bound by all of the Terms and Conditions of Use as posted on the site at the time of your access or use. You agree to review the Terms and Conditions of Use posted on the site each time you use this site so that you are aware of any modifications made to the Terms and Conditions of Use.

Questions

If you have any questions regarding these Terms and Conditions of Use, please contact SFLIC Attn: Compliance, P.O. Box 6040, Hot Springs, Arkansas 71902 USA.

If you become aware of any breach of Site security, these Terms and Conditions of Use, or the Privacy Policy, please notify us immediately.

The above Terms and Conditions of Use are effective as of July 1, 2019.