The material provided on the afi.org web site, including content and any images incorporated in the site, is for only for the personal, private, non-commercial use. Users may not modify, republish, post, or transmit any information obtained from this web site, including text or images, without consent from Armed Forces Insurance Exchange ("AFIE"). Users agree not to engage in systematic retrieval of data or other content from afi.org. AFIE requests that you not create alink from any other site to afi.org unless you first obtain permission.

It is very important to read the next two sections carefully.

LIMITATION OF LIABILITY

Armed Forces Insurance will not be responsible for any damages or injuries that accompany or result from your use of its sites. these include (but are not limited to) damages or injury caused by any: (1) use of (or inability to use) the sites; (2) use of (or inability to use) any site to which you hyperlink from its web sites; (3) failure of performance; (4) error; (5) omission; (6) interruption; (7) defect; (8) delay in operation or transmission; (9) computer virus; or (10) line failure. We are not liable for any consequential or incidental damages, which are damages intended to compensate someone directly for a loss or injury, damages reasonably expected to result from a loss or injury, or other miscellaneous damages and expenses resulting directly from a loss or injury. Furthermore, except as provided below, we are not liable even if we have been negligent or if our authorized representative has been advised of the possibility of such damages-or both.

However, in certain states where the law may not allow us to limit or exclude liability for these incidental or consequential damages, the above limitation may not apply and you may have the right to recover these types of damages. In any event, our liability to you for all losses, damages, injuries and claims of any kind, whether the damages are claimed under the terms of a contract, or they are claimed to be caused by negligence or other wrongful conduct or any other legal theory, will not be greater than the amount you have paid to access our sites.

DISCLAIMER

The material on AFIE's sites is provided as is. Armed Forces Insurance disclaims all express and implied warranties about the material in the sites. This includes, but is not limited to, warranties that: (1) the material is of any particular level of quality or is fit for a particular purpose; (2) that the functional elements contained in the materials will be uninterrupted or error-free; (3) that defects will be corrected; (4) that our sites, or the servers that make them available are free of computer viruses or other harmful components or conditions; or (4) that information contained in the sites is accurate as of any particular date.

We sometimes provide access to other internet web sites from our sites or you may have reached our site from another site. However, we do not endorse or approve any products or information offered to you at sites you may reach from our sites or from which you may have reached our site. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still in the AFIE site or have moved elsewhere.

By providing material on our web site AFIE does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. AFIE is entitled to terminate all or part of any of its web sites at any time, without notice to you.

By using the afi.org web site, you agree to these Terms and Conditions of Web Site Use.

MISCELLANEOUS

These Terms and Conditions of Web Site Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State of Kansas, without giving effect to Kansas's conflict of laws principles.

If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

AFIE may modify these Terms and Conditions of Web Site Use, and the agreement they create, at any time, simply by updating this posting or the information on its web site and without notice to you.