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Please read these Terms and Conditions of Use carefully before using this site. By using this site, you signify your agreement with these Terms of Use. If you do not agree with any of the Terms of Use listed below, do not use this site. WILLIAM PENN ASSOCIATION reserves the right, at its sole discretion, to modify, alter or otherwise update these Terms of Use at any time and you agree to be bound by such modifications, alterations, or updates. Any use of this site constitutes your agreement to these Terms and Conditions of Use. 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.
These Website Terms and Conditions of Use apply to all websites controlled and operated by WILLIAM PENN ASSOCIATION and its parent, subsidiaries, affiliates, and related group of companies (collectively “WILLIAM PENN ASSOCIATION”) including but not limited to www.wpalife.org. All material on any WILLIAM PENN ASSOCIATION website, including but not limited to text, written content, images, illustrations, registered and unregistered trademarks, service marks, audio clips, and video clips, is protected by all applicable intellectual property laws, including without limitation, Title 17 of the United States Code Section 119. Material from any website owned, operated, licensed, or controlled by WILLIAM PENN ASSOCIATION may not be modified, copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way without express written consent.
Persons or entities that maintain their own web site(s) may not link to any web site operated by WILLIAM PENN ASSOCIATION without express written permission, signed by an authorized officer of the company.
All rights and title to the Content, trademarks, service marks and copyrighted material herein remain with WILLIAM PENN ASSOCIATION, at WILLIAM PENN ASSOCIATION’S discretion.
PRIVACY
All personal information is subject to the Privacy Policies of WILLIAM PENN ASSOCIATION. The Website Privacy Policy is incorporated into and is part of this Terms and Conditions of Use.
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 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.
USE OF CONTENT
By providing log-in access to you, WILLIAM PENN ASSOCIATION only allows you to view the site, and to download (at your own risk) a single copy of your policy information and related 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. If you violate any of the conditions set forth above, your ability to view your policy information and related content shall be terminated. 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 without express written consent.
It is your sole responsibility to safeguard your log-in information and access to your policy and related information. Promptly inform WILLIAM PENN ASSOCIATION if your access has been compromised and needs to be changed. You grant WILLIAM PENN ASSOCIATION and all persons and entities involved in the operation of this site the right to transmit, monitor, retrieve, store, and use any and all your information in connection with the operation of the site.
DISCLAIMER
Although WILLIAM PENN ASSOCIATION makes every effort to verify the information contained on this website, WILLIAM PENN ASSOCIATION makes no representations or warranties about the accuracy, reliability, completeness, currency, or timeliness of the content, software, links, or communications provided on the site or by the use of the site. 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. WILLIAM PENN ASSOCIATION 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. WILLIAM PENN ASSOCIATION is not liable for any decision made or action taken based upon the information on this site. WILLIAM PENN ASSOCIATION is also 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 WILLIAM PENN ASSOCIATION has been directly or indirectly placed on notice of any defect, omission, or required amendment to the site.
WILLIAM PENN ASSOCIATION expressly disclaims 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. 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 WILLIAM PENN ASSOCIATION and its affiliates is limited to the greatest extent permitted by law.
You agree to defend, indemnify, and hold WILLIAM PENN ASSOCIATION, its officers, directors, employees, and agents 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.
THIRD-PARTY LINKS
From time to time, this site may contain links to third-party web sites. Such external Internet addresses contain information created, published, maintained, or otherwise posted by organizations and entities independent of WILLIAM PENN ASSOCIATION. The linked sites are not under the control of WILLIAM PENN ASSOCIATION and WILLIAM PENN ASSOCIATION is not responsible for the contents of any linked site. WILLIAM PENN ASSOCIATION may provide these links as a convenience only, and does not approve, endorse, sponsor, affiliate with, endorse or certify the content of the linked sites. 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. WILLIAM PENN ASSOCIATION disclaims any and all liability for any all information set forth on linked sites.
TERMINATION
WILLIAM PENN ASSOCIATION reserves the right, at its sole discretion, to revoke, reduce, limit, restrict or otherwise amend your access 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 available at law or equity. Further, WILLIAM PENN ASSOCIATION shall not be liable to you or any third party for any such termination, revocation, reduction, restriction, change or other amendment of your access.
THIS SITE DOES NOT PROVIDE MEDICAL ADVICE
All the content contained on or provided through this site, such as text, graphics, images, information, and other material is general in nature and for informational purposes only. WILLIAM PENN ASSOCIATION does not provide medical diagnoses or recommendations about any course of treatment and does not recommend or endorse any specific services, procedures, tests, products, or procedures referred to or information that may be contained on the site. WILLIAM PENN ASSOCATION always recommends that you seek the advice of your physician or qualified healthcare provider with any questions you may have regarding your health and/or a medical condition, regardless of any information you may obtain from the site.
OUR LIABILITY OF OUR SITE
Our Site and all Materials are provided on an ‘as is’ and ‘as available’ basis. This means that there are no guarantees, conditions, or warranties (express or implied) offered by WILLIAM PENN ASSOCIATION, or the other members of the WILLIAM PENN ASSOCIATION group of companies, or any third parties connected to us that any of our Materials will be:
To the extent permitted by law, we, the other members of the William Penn Association group of companies and all third parties connected to us hereby expressly exclude:
and however, the loss in question arises and whether it is caused by tort (including negligence), breach of contract or otherwise, and regardless of whether it was foreseeable or not.
If, in any way whatsoever, we are found to be liable to you for any damage or loss (including through negligence) which arises in any way out of, or is in any way connected with, your use of our Site or Materials or service, our liability shall not exceed the total of $50.00 (fifty dollars).
These Terms do not affect our liability for death or personal injury arising from our negligence, for fraud or fraudulent misrepresentation or for any other liability which cannot be excluded or limited under applicable law.
CHOICE OF LAW AND JURISDICTION
By use of this site, you agree that exclusive jurisdiction for any dispute with WILLIAM PENN ASSOCIATION in any way related to your use of this site resides in the federal or state courts of ALLEGHENY COUNTY in the state of PENNSYLVANIA.
CERTIFICATES OF AUTHORITY
WILLIAM PENN ASSOCATION is licensed and authorized to offer insurance in CA, CT, DE, DC, FL, IL, IN, KY, MD, MA, MI, MO, NE, NJ, NY, NC, OH, PA, VA, WV, and WI. All business placed with this company 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 residents other than the states listed.
ADDITIONAL INFORMATION
The information contained herein is provided solely for general informational purposes and is not intended to be a solicitation or an offer to sell in connection with any product or service, nor is the information a complete description of all terms, conditions and exclusions applicable to the products and services described. For complete descriptions of the terms, conditions and exclusions of insurance coverages or other products or services, or if you have other questions, please contact the WILLIAM PENN ASSOCIATION Home Office.
If you become aware of any breach of site security, these Terms and Conditions of Use, or the Privacy Policy, please notify us immediately.
This privacy policy sets out how WILLIAM PENN ASSOCIATION uses and protects any information that you give WILLIAM PENN ASSOCIATION when you use this website.
WILLIAM PENN ASSOCIATION is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this Privacy Policy.
WILLIAM PENN ASSOCIATION may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you understand and are comfortable with any changes. This policy is effective from 11/1/2021.
WHAT WE COLLECT
We may collect the following information:
WHAT WE DO WITH THE INFORMATION WE GATHER
We require this information to understand your needs and provide you with a better service, and for the following reasons:
From time to time, we might also contact you for market research purposes by email, phone or mail. The information may be used to customize the website according to your interests.
SECURITY
We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
HOW WE USE COOKIES
A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added, and the cookie helps analyze web traffic. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.
We use traffic log cookies to identify which pages are being used. This helps us analyze data about webpage traffic and improve our website, in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide you with a better website by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may impact the website’s functionality and prevent you from taking full advantage of website features.
THIRD PARTY LINKS
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide while visiting such sites and such sites are not governed by this Privacy Policy. You should exercise caution and look at the privacy statement applicable to the website in question.
CONTROLLING YOUR PERSONAL INFORMATION
You may choose to restrict the collection or use of your personal information in the following ways:
We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.
You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you, please write to 709 Brighton Road, Pittsburgh, PA 15233 or mail@wpalife.org.
If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible at the above address. We will promptly correct any information found to be incorrect.