Terms of Use

Legal Information and Terms of Use

This Legal Information and Terms of Use govern your access and use of the web sites of Unum Group, and its affiliates and subsidiaries including, Colonial Life, Starmount Life Insurance Company, and AlwaysCare Benefits, Inc., in aggregate, “the Company.”

Your Acceptance of Terms

By linking, referencing, using or accessing web sites of the Company, you represent that you are of legal age to enter into a binding agreement and you agree to these Terms of Use, including agreeing to indemnify and hold harmless the Company from all claims of any nature. These Terms of Use may be changed at any time at the sole discretion of the Company.

Electronic Acceptance

By checking the “I Agree” button listed below, I am agreeing to receive all policies and all insurance notices via electronic internet delivery. In order to view and retain the documents, I understand that I must have access to the internet and must also have or install an Adobe Reader program. I understand that at any time I may withdraw my consent and receive a paper copy, free of charge, of all policies and/or notices. Furthermore, I understand that I am able to change my delivery preferences and provide any updated information (e.g. new email address) through my Account Settings section of the AlwaysAssist portal.

Privacy

All personal information is subject to the Privacy Policy of the Company, which may be accessed in the Documents section of AlwaysAssist.

Links to Other Web Sites - Limitation of Liability

The Company may provide, for your convenience and information only, links to other Internet Web sites. Because the Company does not have control over these sites, you agree that the Company is not responsible for any liability resulting from the access or use of sites not owned by the Company and that the Company 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 the Company. Further, you agree that the Company 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 the Company owns.

Indemnification

By linking, referencing, using or accessing web sites of the Company, you agree to these Terms of Use, including agreeing to defend, indemnify and hold harmless the Company, their officers, directors, employees, agents, 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, THE COMPANY 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 THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. UNDER NO CIRCUMSTANCES SHALL THE COMPANY 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 THE COMPANY OR ANY ERRORS OR OMISSIONS IN THE CONTENT THEREOF. 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 THE COMPANY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY THE LAW.

Site Content

Policy, plan, claim and account information is displayed for your convenience, but are not the official records of your policy, claim or account activity. In the event there is a discrepancy between the web site information and any policy documents, the policy documents will control.

Copyrights/Trademarks

Materials and intellectual property found on web sites of the Company 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 the Company 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 or trademarks, service marks or logos used on these web sites without the specific written consent of the Company or their respective owners. If you would like to link to any website of the Company or use its logos on your site, please contact us.

Proprietary Marks and Logos

AlwaysCare^SM, AlwaysVision^SM and AlwaysDental^SM are service marks or registered service marks of Starmount Life Insurance Company and AlwaysCare Benefits, Inc.

Browser Compatibility

We recognize that our visitors may have various operating systems and Internet browsers. Although we want every visitor to have the best possible experience on our website, we understand it is impossible to provide web pages that work identically, efficiently, and effectively with all browsers and settings.

To navigate our web site, we recommend the use of an SSL-enabled browser such as Internet Explorer 11.0+ , Google Chrome 45.0+, or Firefox 40.0+ .The 128-bit high-encryption version of these browsers is recommended for the highest level of protection possible.

There are also three state additions:

For residents of Georgia:
I AGREE TO RECEIVE ALL MAILINGS AND COMMUNICATIONS ELECTRONICALLY. SUCH ELECTRONIC MAILING OR COMMUNICATIONS MAY EVEN INCLUDE CANCELLATION OR NONRENEWAL NOTICES.

For residents of Kentucky and Tennessee:
The policyholder electing to allow for notices and communications to be sent to the email address provided by the policyholder should be aware that the insurer rightfully considers this election to be consent by the policyholder that all notices may be sent electronically, including notice of nonrenewal and notice of cancellation. Therefore the policyholder should be diligent in updating the email address provided to the insurer in the event that the address should change.