nowly is a division of Teachers Life Insurance Society (Fraternal) ("Teachers Life" or "we") which sells life, and accident and sickness insurance. All benefits are provided, and all policies are underwritten, by Teachers Life. nowly, Teachers Life and all trademarks used on this website are owned by Teachers Life. All rights are reserved.
Your Use of Our Website
Services and Our Website Content
Certain aspects of our website have been prepared by third parties. The Services do not, and are not intended to, provide any health, financial, insurance, legal, accounting, or tax advice, and must not be relied upon by you in that regard. You agree that your use of the Services shall be entirely at your risk and that Teachers Life will not be responsible for any reliance that you may place upon any part of the Services. You cannot use or rely on the Services as a substitute for your own research, or for medical or other professional advice. Teachers Life products are available only in jurisdictions where they may be legally offered for sale. All Teachers Life products are subject to the terms and conditions of any applicable laws. Our website shall not be used, or relied upon by you, as a substitute for your own research or professional advice that is provided to you by a Teachers Life representative.
Changes to Website Content or the Services
To the extent that our website permits you to post, email, or otherwise make available content, you agree not to post, email or otherwise make available content that: (a) is unlawful; (b) includes personal or identifying information about another person without that person’s explicit consent; (c) impersonates any person or entity, including, but not limited to, a Teachers Life employee, or falsely states or otherwise misrepresents an affiliation with a person or entity; (d) infringes any patent, trademark, trade secret, copyright or other proprietary rights of any person, or content that you do not have a right to make available under any law or under contractual or fiduciary relationships; (e) is harmful, threatening, abusive, harassing, defamatory, pornographic that includes links to websites containing such material for example; (f) harasses, degrades, intimidates or is hateful toward an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability; (g) constitutes or contains any form of advertising or solicitation, or that includes links to commercial Services or websites; (h) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; (i) disrupts the normal use of our website with an excessive amount of content, or that otherwise negatively affects other users’ ability to use our website; or (j) employs misleading email addresses, or forged headers or otherwise manipulated identifiers in order to disguise the origin of content transmitted through our website.
Your Application for Insurance
Member Account and Services
You will provide true, accurate, current and complete information about yourself and any other information that we request when you create or access your Account ("Account Data"). You will also maintain your Account Data to keep it true, accurate and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or if we have reasonable grounds to believe any of your Account Data is untrue, inaccurate, not current or incomplete then we have the right to suspend or terminate your Account and refuse you any and all current or future use of the Account or any of the Services accessed through your Account.
You agree that we can act on any communication that is given through your Account or using your Credentials and we are not required to verify the actual identity or authority of any person using your Account or Credentials, but we may do so in our sole discretion and we may deny use or access to your Account if we are not satisfied with the verification. You may be required to change or update your Credentials from time to time.
Some of our products and services may be available via your mobile phone, including but not limited to (i) your Accounts, (ii) the ability to obtain a quote and/or purchase an insurance product via your mobile phone, (iii) the ability to receive and reply to messages from us, (iv) the ability to browse our website from your mobile phone and (v) the ability to access certain features through a mobile application you have downloaded and installed on your mobile phone (collectively, the “Mobile Services”). We do not charge for the Mobile Services. However, your carrier’s normal messaging, data and other rates and fees will still apply. In addition, downloading, installing, or using certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices. Therefore, you should check with your carrier to find out if the Mobile Services are available to you, and what restrictions, if any, may be applicable to your use of such Mobile Services.
Content displayed on or through our website is protected by copyright as a collective work and/or compilation, pursuant to copyrights laws, and international conventions. Any reproduction, modification, creation of derivative works from or redistribution of our website or the collective work, and/or copying or reproducing our website or any portion thereof to any other server or location for further reproduction or redistribution is prohibited without the express written consent of nowly. You further agree not to reproduce, duplicate or copy content from our website without the express written consent of nowly, and agree to abide by any and all copyright notices displayed on our website. You may not decompile or disassemble, reverse engineer or otherwise attempt to discover any source code contained in our website. Without limiting the foregoing, you agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any aspect of our website. Although nowly does not claim ownership of content that its users post, by posting content to any area of our website that is accessible to all users, you automatically grant, and you represent and warrant that you have the right to grant, to nowly an irrevocable, perpetual, non-exclusive, fully paid, worldwide license to use, copy, perform, display, and distribute said Content as part of our website.
Disclaimer of Warranties and Liability
YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TEACHERS LIFE, ITS SUBSIDIARIES AND EACH OF THEIR RESPECTIVE DIRECTORS, OFFICERS, AGENTS, EMPLOYEES, SUCCESSORS AND ASSIGNS MAKE NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATED TO ITS WEBSITES OR THE SERVICES AND EXPRESSLY DISCLAIMS ANY WARRANTIES OR REPRESENTATIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, UNINTERRUPTED OR ERROR-FREE SERVICES AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAWS.
TEACHERS LIFE MAKES NO ASSURANCES OR REPRESENTATIONS AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY PRODUCTS, SERVICES OR INFORMATION THAT YOU USE OR ACCESS ON THIS WEBSITE, ANY INFORMATION OR SERVICES PROVIDED BY A THIRD PARTY THAT ARE ACCESSIBLE TO YOU THROUGH THIS WEBSITE AND EXPRESSLY DISCLAIMS LIABILITY FOR THE CONDUCT OF ANY THIRD PARTY YOU MAY DEAL WITH IN CONNECTION WITH YOUR USE OF THE SERVICES.
Limitation of Liability