Terms of Use

BY USING THIS SITE, YOU SIGNIFY YOUR ACCEPTANCE AND AGREEMENT WITH THE TERMS OF USE. IF YOU DO NOT ACCEPT AND AGREE TO THE TERMS OF THE TERMS OF USE, PLEASE DO NOT USE THIS SITE.

Revision Date: May 2, 2000

USE OF THE SITE:

HRH ("HRH") operates a Web site at <http://www.student-health-insurance.com> (the "Site") which is accessible worldwide to anyone with Internet access. Access to and use of the Site are subject to the terms and conditions of this Terms of Use and all applicable laws and regulations, including but not limited to, those governing copyright, service marks and trademarks. BY ACCESSING THIS SITE, YOU ACCEPT, WITHOUT LIMITATION OR QUALIFICATION, ALL OF THE TERMS AND CONDITIONS OF THIS TERMS OF USE. HRH reserves the right to change these terms and conditions on a prospective basis at any time. The changes will appear on this screen. The Revision Date corresponding to such changes will be set forth at the beginning of this Agreement. By using the Site after the Revision Date, you agree in advance to accept the changes.

PROPERTY OF HRH:

The materials used and displayed on the Site, including but not limited to, text, software, photographs, graphics, illustrations and artwork, video, music and sound, and names, logos, trademarks and service marks, are the property of HRH, its affiliates or licensors and are protected by copyright, trademark and other laws. Any such content may be displayed for your personal, non-commercial use. You agree not modify, reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate any such material without the written permission of HRH or its appropriate affiliate or licensor.

LIMITATION ON WARRANTIES:

The Site is provided on an "as is" basis without warranties of any kind, either expressed or implied, including but not limited to, warranties of title or noninfringement, or implied warranties of merchantability or fitness for a particular purpose, other than those warranties which are imposed by or incapable of exclusion, restriction or modification under the laws applicable to this agreement. Neither HRH nor its affiliates warrant that the Site will be uninterrupted or error free.

LIMITATION OF LIABILITY:

Under no circumstances, including negligence, shall HRH or any of its affiliates, agents, directors, officers, representatives, or licensors be liable for any direct or indirect, incidental, special, punitive or consequential damages that may result from the use or inability to use the Site due to interruptions, errors, defects, mistakes, omissions, deletions of files, delays in operation or transmission, nondelivery of information, disclosure of communications, or any other failure of performance.

PRIVACY POLICY:

HRH does not collect or retain any information regarding visitors to the Site that is not voluntarily provided by such visitors. HRH does not sell or disclose any voluntarily provided information, except to the insurance companies that may underwrite the insurance requested by you and to the credit card company that processes your payment. To review the Privacy Policy of HRH, click on Privacy Policy .

RELIANCE ON PERSONAL ADVISERS:

The Site does not, and is not intended to, provide any financial, insurance, legal, accounting, or tax advice, and shall not be relied upon by you in that respect. Furthermore, the calculators provided on this site are not intended to be, nor shall they be deemed to be, advice or recommendation as to desirable amounts of insurance. Any estimation of desirable amounts of insurance must be based on your personal situation. You should consult your own professional advisers and appraisers regarding your personal situation.

LIMITATION AS OFFER OR SOLICITATION:

The information contained on the Site does not constitute an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not lawful or to any person to whom it is unlawful to make an offer or solicitation.

GOVERNING LAW:

This Terms of Use and any disputes arising out of or related to the Site shall be governed by, and construed and enforced in accordance with, the laws of the State of California.

TERMINATION:

HRH may terminate this Terms of Use immediately by written notice on one or more pages of the Site. All terms of this Terms of Use, which by their nature extend beyond its termination, remain in effect until fulfilled, and apply to respective successors and assigns.

COMPUTER VIRUSES:

HRH does not warrant that this site or the server that makes it available, or any other sites or servers that are accessed by hyperlink from this site are free of viruses or other harmful components.

JURISDICTION OVER ACCESSING SITE:

The Site is controlled by HRH and its affiliates from their offices in the State of Connecticut. HRH prominently lists on the Site the states and territories of the United States of America wherein it is, or an affiliate, is licensed to sell insurance. HRH and its affiliates make no representation that the operation of the Site is appropriate or available for use in other jurisdictions. It shall be your responsibility to determine whether accessing the Site and material therein is lawful in any jurisdiction from which you are accessing the Site.

STATE SPECIFIC INSURANCE INFORMATION:

The Site presents disclosure and documents regarding insurance that are specific to certain states and territory of the United States of America. Certain of the disclosures and documents are required to be filed with the appropriate insurance regulators. HRH believes all the disclosures, documents and information provided on the Site complies with applicable law and regulations.

FOR MORE INFORMATION:

Contact HRH at its executive offices 10 State House Square Hartford, CT 06103 (telephone 1-860-278-1320 or email at StudentHealth@HRH.com).