Terms Of Use

Please read the following terms and conditions relating to your use of this site carefully. By using this site, you are deemed to have agreed to these terms and conditions of use and the terms and conditions of our privacy policy, which is incorporated herein by reference. We reserve the right to modify them at any time. You should check these terms and conditions periodically for changes. By using this site after we post any changes to these terms and conditions, you agree to accept those changes, whether or not you have reviewed them. If at any time you choose not to accept these terms and conditions of use, please do not use this site.

This policy applies to your use of all of the sites and services owned or operated by ACI Specialty Benefits and any other site that we may own or operate currently or in the future, referred to as ACI Specialty Benefits Sites. This policy does not apply to sites to which you may link to through any ACI Specialty Benefits site.


We grant you a personal, non-exclusive, non-transferable license to access ACISpecialtyBenefits.com and the information contained within, provided however that this license does not provide you the license use of any trademarks or copyrighted materials on the ACI Specialty Benefits Sites. The information obtained from the ACI Specialty Benefits Sites may not be distributed, modified, reproduced, or transmitted in whole or in part without our written permission, except you may make a limited number of copies from ACISpecialtyBenefits.com for your own personal, noncommercial use. ACISpecialtyBenefits.com may contain software tools or databases that allow you to search and retrieve information. You may not sell, distribute or commercially exploit the database or the results of any database search performed. You may make a very limited number of hard copies of any search output for your personal use only. You may not sell, rent, lease, lend or transfer any services provided on ACISpecialtyBenefits.com and you may not assign or sublicense this license.


ACISpecialtyBenefits.com contains various types of information authored either by ACI Specialty Benefits or third parties.

As the user of this site, you assume full risk for any and all use of this site, including the information presented on the site. ACISpecialtyBenefits.com is intended to be a general information resource only and is not a substitute for professional advice or treatment from appropriate medical, legal, accounting or other professional. You are responsible for seeking appropriate professional advice. You agree to hold ACI Specialty Benefits harmless from any claims relating to your use of, or errors in, information found on this site in exchange for your use of the site.


You understand that ACI Specialty Benefits may in its sole discretion terminate your ability to use ACISpecialtyBenefits.com if you violate the terms of this Agreement or any other statement incorporated by reference.


ACI Specialty Benefits is providing this site and its contents on an “as is” basis and makes no representations or warranties of any kind with respect to this site, its contents or any of the products offered thereon. In addition, ACI Specialty Benefits does not represent or warrant that the site or information accessible via this site is accurate, will be uninterrupted, error-free, complete or current. ACI Specialty Benefits assumes no responsibility for errors or omissions in this publication or other documents which are referenced by or linked to this publication. References to corporations, their services and/or products are also provided “as is” without warranty of any kind, either expressed or implied. Products and services are used at your own risk. Price and availability are subject to change without notice.


All website design, text, graphics, the selection and arrangement thereof, Copyright © 2010, ACI Specialty Benefits, ACISpecialtyBenefits.com, ALL RIGHTS RESERVED. The contents of this site are protected by copyright and trademark laws, and are the property of ACI Specialty Benefits. You may access the materials located within ACI Specialty Benefits Sites only for your personal use. This means you may download one copy of posted materials on a single computer for personal, noncommercial home use only, so long as you neither change nor delete any author attribution, trademark, legend or copyright notice. When you download copyrighted material you do not obtain any ownership rights in that material. Any other use of materials on this website, including reproduction for purposes other than those noted above, modification, distribution, or republication, without the prior written permission of ACI Specialty Benefits, is strictly prohibited. You may seek our permission by writing to ACI Specialty Benefits: 6480 Weathers Place, Suite 300, San Diego, CA 92121. If permission is granted by us and by all other entities with an interest in the relevant intellectual property, you may not change or delete any author attribution, trademark, legend or copyright notice.


All trademarks, product names and company names or logos cited herein are the property of ACI Specialty Benefits or their respective owners.


ACISpecialtyBenefits.com services are used at your own risk. ACI will not be liable for any harm to you or others resulting from the use of our services. Under no circumstances, including but not limited to negligence, will ACI be liable for damages of any kind, including, but not limited to compensatory, direct, indirect or consequential damages, personal injury, wrongful death, emotional distress, loss of data, income or profit, loss of or damage to property and claims of third parties, even if we have been advised of the possibility of such damages, whether under theory of contract, tort (including negligence), strict liability, or otherwise.


These terms and conditions apply only to the ACI Specialty Benefits Sites, and not to the sites of any other companies or organizations, including those to which any of the ACI Specialty Benefits Sites may link.


In connection with certain functions of this website, we will request that you select a Password and Screen Name. You alone are responsible for maintaining the confidentiality of your Password and Screen Name. You may use our services for lawful purposes only. You may not use our services to post, transmit or otherwise distribute unlawful material such as threats of physical harm, defamatory statements, pornographic material, and copyrighted, trademarked, and other proprietary material used without proper authorization. You may not attempt to use or distribute tools designed for compromising security or take action to compromise the security of this site. You are responsible for all use of our services and ACISpecialtyBenefits.com with your Password and Screen Name, with or without your consent, by yourself and others.


You agree to indemnify, and hold ACI Specialty Benefits harmless from and against any and all claims, actions or demands brought against us alleging that your use of the ACI Specialty Benefits Sites: (i) infringed or misappropriated any intellectual property rights of anyone; (ii) defamed, libeled, slandered anyone or that your use of the site was obscene, pornographic, or violated a third party’s rights of privacy or publicity; or (iii) is deemed to be spam, or to constitute offensive, harassing or illegal conduct. You also agree to indemnify and hold ACI Specialty Benefits harmless in connection with any: (a) violation by you of this Agreement; (b) any damage or destruction to ACI Specialty Benefits or any third party which damage is caused by or otherwise results from your acts or omissions. The indemnifications set forth in this paragraph include all expenses and costs (including reasonable attorney’s fees) resulting from or arising out of the above claims.


We are not liable for any failure or delay in our performance due to any cause beyond our reasonable control, including the act of war, acts of God, earthquake, flood, embargo, riot, sabotage, labor shortage or dispute, governmental act or failure of the Internet.


By using any of the ACI Specialty Benefits Sites, you signify your acceptance of our Terms of Use. If you do not agree to this policy, please do not use our sites. Your continued use of the ACI Specialty Benefits Sites following the posting of changes to these terms will mean that you accept those changes.

Copyright © 2018, ACI Specialty Benefits®, Inc. 6480 Weathers Place, Suite 300, San Diego, CA 92121, (800) 932-0034. All rights reserved.