Capabilities and features
Unum websites, through their various applications, are used internally by us and externally with others to offer, administer and provide information about insurance and employee benefit products and services and to communicate with customers, insureds, employees, job applicants, vendors, contractors and the public. Our websites, depending on the application, product or offering, provide users the ability to enroll in and change insurance coverage; submit claims and check on claim status; review billing; complete evidence of insurability; access leave and other employee benefit information, services and tools; gather information and perform other functions related to insurance and employee benefits. Our websites also provide administrative tools, data analytic and reporting features for brokers, agents, employers, plan administrators, employees, vendors, insureds and for us.
The features available with each website depend on the application, product or service offered and your approved roles. Our websites contain navigational tools that can direct you to the features available. File formatting and security guidelines, including electronic transmission standards, may apply to your use of particular features. An inability to meet these standards, and transmit and maintain records according to these requirements, may impair your use of the websites and the features available on the websites.
Products and services
Unum, through its various affiliates, provides insurance and employee benefit products and services throughout the United States and in select countries. Not all Unum companies do business in all jurisdictions and insurance products and services are not available in all jurisdictions. Insurance products are offered through the following Unum insuring companies:
Colonial Life & Accident Insurance Company, Columbia, South Carolina
Authorized in all states (except New York), the District of Columbia, Canada and Puerto Rico
First Unum Life Insurance Company, New York, New York
Authorized only in New York
Provident Life and Accident Insurance Company, Chattanooga, Tennessee
Authorized in all states (except New York), the District of Columbia and Puerto Rico
Provident Life and Casualty Insurance Company, Chattanooga, Tennessee
Authorized in all states (except Alabama, Arizona, California, Florida, Indiana, Kansas, Maine, Maryland, Michigan, Minnesota, Montana, Nevada, Oregon, Texas, Utah, Vermont, West Virginia, Wisconsin and Wyoming) and the District of Columbia.
Starmount Life Insurance Company, Portland, Maine
Authorized in all states (except New York) and the District of Columbia
The Paul Revere Life Insurance Company, Worcester, Massachusetts
Authorized in all states, the District of Columbia and Canada.
Unum Insurance Company, Portland, Maine
Authorized in all states (except New York) and the District of Columbia
Unum Life Insurance Company of America, Portland, Maine
Authorized in all states (except New York), the District of Columbia, Puerto Rico, Bermuda, England/Wales and Guam
Unum Limited, Dorking, England
Authorized in the United Kingdom , Ireland and Germany
Unum Życie TUiR SA, Warsaw, Poland
Authorized in Poland
The information and descriptions for products and services on the websites are intended as general information and are not necessarily complete descriptions of Unum’s products and services. Insurance contracts contain, exclusions, limitations, reductions in benefits and terms under which they may be continued in force or discontinued.
Ownership and use of content
Copyrights and trademarks
All trademarks, service marks, trade names, logos, icons and domain names located on the websites are owned or licensed by us. All page headers, custom graphics, button icons, and scripts are service marks, trademarks or trade dress of Unum. Your replication, imitation or use of any trade dress, trademark, service mark, trade name, logo, icon or domain name displayed on the websites, without our written permission, is strictly prohibited.
The websites contain software, photographs, graphics, text, images and other material (collectively "Material") that are protected by copyright laws. All Material is also copyrighted as a collective work under copyright laws, and Unum owns a copyright in the selection, coordination, arrangement, and enhancement of the Material. You may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the Material, in whole or in part. We grant you permission to electronically copy, create hyperlinks, and print in hard copy any portions of the websites (and to download software made available on the websites) provided you do so solely for your non- commercial, personal use and in connection with conducting business with us and provided the Materials retain all copyright, trademark or other notice of Unum’s proprietary interest in the Materials. Otherwise, you may not reproduce or distribute in any way Material without obtaining our prior written permission.
Our providing you with access to the websites does not give you any license, by implication, estoppel or otherwise, to our intellectual property. All access and use rights may be revoked by us at any time. Any rights not expressly granted herein are reserved.
Disclaimers and limitations
Access to the websites may be interrupted, restricted or delayed for any reason. We are not liable to you or anyone else for any loss resulting from use, or loss of use, of the websites or any content on the websites, including the effects of any functionality we automate or the effects of any viruses or other harmful components. This includes any error, omission, interruption or delay in operation of the websites due to natural causes, equipment failures or other circumstances beyond our control. We are under no obligation to provide any kind of technical, development or end-user support for the websites.
Every attempt is made to ensure that the information on the websites is accurate and complete, but there are no representations as to the accuracy, completeness or timeliness of any information on the websites. Any policy, claim and account information displayed on the websites is provided as a convenience to you and for your information, but is not the official records of any policy, claim or account activity. In the event there is a discrepancy between the material on the websites and any policy documents, the policy documents represent the official record.
The information on the websites is not intended as legal, tax, accounting, financial, insurance or investment advice. You are solely responsible for seeking professional advice and taking such actions, and making such elections, as you deem appropriate to your circumstances and objectives.
TO THE FULLEST EXTENT ALLOWED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. CONTENT AND FUNCTIONS ARE PROVIDED "AS IS" AND "AS AVAILABLE." Unum does not represent or warrant that (A) the websites or the services will be secure or available at any particular time or location, (B) any defects or errors will be corrected, or (C) the websites are free of viruses and other harmful components. To the extent the law does not permit the disclaimer of warranties, all content and functions are warranted only to the extent allowed by law.
Without limiting any of the foregoing disclaimers of liability, our aggregate liability arising out of, or in connection with, the websites will not exceed the greater of one hundred dollars ($100) or the amount you have paid in the past twelve months to access the websites.
Limitation of Liability
IN NO EVENT WILL UNUM, ITS AFFILIATES OR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, ATTEMPTED USE, OR INABILITY TO USE, THE SITES, ANY WEBSITES LINKED TO THE SITES, ANY CONTENT ON THE SITES OR SUCH OTHER LINKED WEBSITES, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITES OR SUCH OTHER LINKED WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE. The foregoing does not affect any liability that cannot be excluded or limited under applicable law.
You agree to defend, indemnify and hold harmless Unum, its affiliates, and all of its and their officers, directors, agents, suppliers, and licensors from and against any and all claims, damages, costs and expenses, including attorneys’ fees, arising from or related to (a) your use of any of the Sites or any content on or linked to from the Sites by you or your authorized users, including, but not limited to, any claim by a third party and/or (b) your breach of this agreement. Unum reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with Unum in asserting any available defenses.
We assume no responsibility and will not be liable for any damages to your computer equipment or other property, including virus infections, caused by your access to, use of, or browsing of the websites or your downloading any materials, data, text, video or audio from the websites.
Linking to other websites
We do not accept or consider unsolicited ideas, proposal or suggestions. Please do not send any ideas, proposals or suggestions to us. If you do send materials to us, regardless of how submitted, your submission creates no contract with us and any information you provide becomes our property and can be used by us without attribution or compensation and will be considered non-confidential.
Minors and older persons
We do not knowingly gather information from minors nor do we intend to solicit information from children or market products or services to children through the websites.
If you suspect that an older person or adult with disabilities is a victim of financial exploitation, please contact the National Center on Elder Abuse, your local Department of Family Services or your local Law Enforcement Agency.
Mobile use fees
Mobile phone operators may charge fees related to incoming or outgoing SMS (or text) messages that you cause to be sent in connection with your use of website features. You are responsible for the payment of such fees.
Your account gives you access to the services and functionality we make available from time to time. We may maintain different types of accounts for different types of users.
To establish or maintain an account with us using certain applications on the websites, you may be required to provide information to us such as your name, e-mail address, mailing address, zip code, country, user name and password. You agree to provide true, accurate, current and complete information and promptly update the information when it changes. If you provide any untrue or inaccurate information, or if we have reasonable grounds to suspect that the information is untrue or inaccurate, we may suspend or terminate your account and refuse all current and future use by you of some or all of our websites or applications. We have the right to rely on all information provided by you or any person you authorize to access your account as accurate, current and complete, and you hold us harmless from any loss or exposure arising from our use of, or reliance on, that information.
Granting access to others
Your access to the websites is limited to accounts and information for which you have permission. If you establish an account with us, you are responsible for maintaining the confidentiality of your user name and password. If you authorize any other persons to access or use your account, you must maintain an authorized users list in sufficient detail to enable the administrator, upon request, to confirm their identity and level of authorization. You agree to promptly remove from your authorized user list anyone who should no longer have access. You are responsible for all uses of your account, including by authorized users. You agree to notify us immediately of any unauthorized use of your account or password.
You may not permit access through other systems, or link to other systems, unless those systems are maintained in a manner consistent with industry standards for the protection of financial records and non-public personal information, are password protected, and use industry standard secure transmission and encryption technologies.
Acting on behalf of others
If you access the website on behalf of another person, you are responsible to obtain prior authorization to act on behalf of that person. You will maintain complete documentation of the authorization and actions you are authorized to take. You will use any information obtained through such authorization only to provide services for that person.
Privacy and confidentiality
Unum respects your privacy. Unum’s privacy policies, including our Internet Privacy Notice, can be found by clicking on the Privacy link located on the bottom of each website’s home page or login screen. Unum’s privacy policies regarding the collection and use of personal information through, or in connection with use of, the websites may be updated from time to time.
You acknowledge that your use of the websites, and downloading or use of any website content, features, software or applications constitutes acceptance of Unum’s privacy policies and the information collection and use practices contained in those policies.
You understand that the confidentiality and security of any information, including personally identifiable information, transmitted by you over the internet cannot be guaranteed. You acknowledge that when you access the websites we collect information about your visit and your use of the website.
You are responsible for maintaining the confidentiality of any proprietary or confidential information of another party which you access through any Unum website. You agree not to disclose an individual’s nonpublic personal information obtained through the websites to another party without the individual’s prior authorization, or as otherwise required by law, and will use the information only to carry out the purposes for which the information was originally disclosed. You agree to comply with all applicable federal and state privacy laws and regulations.
You agree that if you access, or are in receipt of, any information or reports not intended for your viewing or use you will notify us immediately. You agree not to use any information or reports that were not intended for your viewing or use and you will return or delete such information from your records and system.
In the event of a security incident or breach, or potential incident or breach, of privacy or security with respect to proprietary or personally identifiable information, you agree to notify our privacy office immediately [email to: firstname.lastname@example.org ] and cooperate fully in mitigating the harmful effects of such incident or breach. You are accountable for all costs and damages of any privacy or security breach to the extent caused by you. Any privacy breach, threatened or actual, may cause irreparable harm to us for which we would not have adequate remedies at law. You therefore agree that we are entitled to all available equitable remedies for any breach of these terms and conditions.
We understand that the confidentiality, integrity, and availability of our customers’ information are keys to our overall business success. Our internal business processes and procedures are designed to protect customer information from unauthorized access, disruption, modification, or destruction, and to comply with various privacy laws and regulations applicable to the collection, use and disclosure of customer information.
Our information security program is based on applicable international regulatory requirements and industry standards and best practices such as the ISO 27001 and the NIST Cyber Security Framework, as the same may evolve and change over time.
Prohibited use and disruption of the websites
You agree not to:
- Interrupt or attempt to interrupt the operation of the Unum websites in any way;
- Upload, post, email or transmit any software viruses to or through the websites;
- Attempt to obtain or decrypt any passwords or other security protections for any account to which you do not have permitted access;
- Act on behalf of another person without express permission to do so and you will not misrepresent your affiliation with a person or entity; or misrepresent the origin of any information provided by you;
- Copy, reverse engineer, reverse assemble, decompile, create derivative works, modify, or otherwise attempt to derive the source code of the websites, nor make any unauthorized use of any content on the websites;
- Display, disclose, rent, lease, modify, loan, distribute, or create derivative works based on the websites or any part thereof;
- Remove, disable, circumvent or otherwise create or implement any workaround to any copy protection, rights management, or security features of the websites;
- Exploit the websites in any unauthorized way whatsoever;
- Post, transmit or display any offensive, defamatory, hateful, threatening, obscene or anti-competitive materials or encourage any illegal activities on the websites;
- Post, transmit or display any data not owned by you or to which you do not have use rights; or
- Use or access the site for any commercial purpose other than to conduct business with us.
Customer ratings and reviews
The following provisions govern your conduct associated with the Customer Ratings and Reviews or the Questions and Answer service offered by Unum (the “CRR Service”).
By submitting any content to Unum, you guarantee that:
- You are the sole author and owner of the intellectual property rights in the content.
- All “rights” that you may have in such content have been voluntarily waived by you.
- All content you post is accurate.
- You are at least 18 years old and the age of majority in your state of residence.
- You are, or have been, a customer of Unum, or the legal guardian of a Unum customer.
You further agree that you will not submit any content:
- That is known by you to be false, inaccurate or misleading;
- That infringes any third party‘s copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy;
- That violates any law, statute, ordinance or regulation (including, but not limited to, those governing consumer protection, unfair competition, anti-discrimination or false advertising);
- That is, or may reasonably be considered to be, defamatory, libelous, hateful, racially or religiously biased or offensive, unlawfully threatening, or unlawfully harassing to any individual or entity;
- For which you are compensated or granted any consideration by any third party;
- That includes any information that references other websites, addresses, email addresses, contact information or phone numbers or any other content that invades another’s privacy;
- That uses multiple email addresses or otherwise attempt to post the same or similar content multiple times;
- That references pending or ongoing litigation;
- That is unrelated to Unum or includes advertising, promotion or solicitation;
- That includes inappropriate or inflammatory language, or critical comments about other reviews or reviewers; or
- That contains any computer viruses, worms or other potentially damaging computer programs or files.
Reviews that violate the above restrictions, in Unum’s discretion, may be modified to remove offending content.
Unum may publish the nickname you designate with your review. Additional detail about Unum’s Privacy Policies can be found by clicking on the Privacy link located on the bottom of each website’s home page or login screen.
You agree to indemnify and hold Unum, its officers, directors, agents, affiliates and vendors harmless from all claims, demands, and damages (actual and consequential) of any kind and nature known and unknown including reasonable attorneys’ fees arising out a breach of your representations and warranties set forth above or your violation of any law or the rights of a third party.
All content you submit as part of the CRR Services may be used in any manner by Unum at its sole discretion. Unum reserves the right to change, condense, withhold publication, remove or delete any content on Unum’s websites that Unum deems in its sole discretion to violate the content guidelines or any other provision of these Terms and Conditions.
Ratings and written comments are generally posted within two to four business days. However, Unum reserves the right to remove or refuse to post any submission to the extent authorized by law. Unum may include disclosures with published responses.
Unum does not guarantee that you will have any recourse to edit or delete any content you have submitted. You may request removal of a review by writing to Unum at Unum, 2211 Congress Street, Portland, Maine 04122. Unum may, but shall not be obligated to, remove your review. Removal does not ensure the review will be completely or comprehensively deleted.
By submitting an email address in connection with your rating or review, you agree that Unum and its third-party service providers may use your email address to contact you about our rating or review and for other administrative purposes.
Our websites may contain statements, estimates or projections that constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are those not based on historical information, but rather relate to future operations, strategies, financial results, or other developments. These forward-looking statements are subject to numerous assumptions, risks and uncertainties, many of which are beyond our control. For a discussion of assumptions, risks, uncertainties and other important factors that could cause actual results to differ materially from those expressed in the forward-looking statements, see our most recent reports on Form 10-K and Form 10-Q filed with the Securities and Exchange Commission. The forward-looking statements on the websites speak only as of the date made and we expressly disclaim any obligation to update or otherwise revise these statements, whether through the websites or otherwise.
Compliance with export laws and regulations
United States export control laws regulate the export and re-export of technology originating in the United States. This includes the electronic transmission of information and software to foreign countries and to certain foreign nationals. You agree to abide by these laws and their regulations, including, but not limited to, the Export Administration Act and the Arms Export Control Act, and not to transfer, by electronic transmission or otherwise, any such technology derived from the websites to either a foreign national or a foreign destination in violation of such laws.
The laws of the United States and the State of Tennessee will govern the content and use of the Unum websites and any dispute or claim arising therefrom, without giving effect to any choice of law or conflict of law principles.
We control the websites from our offices within the United States. We make no representation that the content on the websites is appropriate, legal or available for use in other locations. Those who choose to access the websites from other locations do so on their own initiative and are responsible for compliance with applicable local laws. By logging into, or entering the websites, you consent and submit to the exclusive jurisdiction and venue of the state and federal courts located in the State of Tennessee. Claims against us must be brought within one (1) year after the claim arises or be barred, unless a longer period must be provided under applicable law.
In any action to enforce rights under this agreement, the prevailing party will be entitled to recover costs and attorneys’ fees.
Severability and waiver
If any provision is determined to be invalid or unenforceable, such determination shall not affect the remaining provisions which will be enforceable to the extent allowed by law and in a manner that most closely matches the intent of the original language. Any waiver by us of a provision of this agreement in one instance shall not preclude enforcement of it on future occasions.
We may terminate your rights to use the websites at any time for any violation of these terms and conditions and for any business purpose. All provisions of this agreement relating to confidentiality, proprietary rights, limitations of liability and warranties, non-disclosure, privacy and security, and export laws survive termination of your rights to use the websites.