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COPYRIGHT © Hawaii Life & Disability Insurance Guaranty Association 2023. ALL RIGHTS RESERVED. Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement ("Web Content") is owned and/or licensed by the Hawaii Life & Disability Insurance Guaranty Association unless otherwise indicated. You may not use, reproduce, modify, transmit, distribute or publicly display this Web Content without prior written permission of the Hawaii Life & Disability Insurance Guaranty Association.
Use of Information and Materials
The Hawaii Life & Disability Insurance Guaranty Association is a non-profit organization and provides this Web site as a service to the public and for the convenience of its members and others in the insurance industry working on guaranty association matters. The Hawaii Life & Disability Insurance Guaranty Association does not charge a fee to access materials or information on this Web site and receives no revenue in conjunction with maintaining this Web site. The information and materials on this Web site are intended to be a general information resource regarding the matters covered, but are not offered as legal, accounting or other professional advice, and are not tailored to specific circumstances. Except for making one hard copy print of limited portions of the information and materials on an ad hoc basis, the Hawaii Life & Disability Insurance Guaranty Association prohibits the modification, reproduction, transmission or distribution of any portion of the content on this Web site, or the design or layout of the Web site or individual sections of it, in any form or media without prior written consent.
The information and materials contained in these pages are subject to change. The Hawaii Life & Disability Insurance Guaranty Association reserves the right to modify this Web site and the Terms and Conditions governing its access and use at any time. Any modification to the Terms and Conditions will be posted to this page of the Hawaii Life & Disability Insurance Guaranty Association's Web site, so please check this page each time you use the Web site. By continuing use of this Web site after such changes are posted, you will be deemed to have accepted such changes.
The Hawaii Life & Disability Insurance Guaranty Association reserves the right, at its sole discretion, to take such actions as it deems appropriate, including without limitation, blocking access from a particular Internet address to the Web site and seeking all remedies available at law and in equity for violations of the Terms and Conditions set forth in this Web site.
The Hawaii Life & Disability Insurance Guaranty Association Web site can be browsed without revealing any personally identifiable information.
E-mail submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before e-mailing any personal or confidential information.
The Hawaii Life & Disability Insurance Guaranty Association Web site contains links to other Web sites controlled or offered by third parties. These links are provided as a convenience to users of the Hawaii Life & Disability Insurance Guaranty Association's Web site. The inclusion of any link does not imply an endorsement, recommendation or sponsorship of the third-party organization, its Web site, its products and services or information contained at that Web site, nor does the Hawaii Life & Disability Insurance Guaranty Association assume any responsibility for any failure of products, information, services or advice offered or advertised at those sites. The Hawaii Life & Disability Insurance Guaranty Association has not reviewed and is not responsible for the privacy practices or content of these third-party Web sites. You are urged to follow safe internet practices. Because the Hawaii Life & Disability Insurance Guaranty Association has no control over such Web sites, you acknowledge and agree that the Hawaii Life & Disability Insurance Guaranty Association is not responsible for the content, practices or your use of third party Web sites.
The information and materials contained in this Web site, including text, graphics, links or other items are provided on an "as is" "as available" basis. The Hawaii Life & Disability Insurance Guaranty Association does not warrant the accuracy, adequacy or completeness of the information and materials and expressly disclaims liability for errors or omissions in the information and materials. No warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose, quiet enjoyment and freedom from computer virus, is given in conjunction with the information and materials. You are responsible for taking all necessary precautions to ensure that any materials you may obtain from this Web site are free of viruses or any other harmful components.
Your use of this Web site is at your own risk. In no event will the Hawaii Life & Disability Insurance Guaranty Association be liable for any damages whether based in contract, tort, negligence, strict liability or otherwise, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this Web site or any linked Web site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, mistake, defect, delay in operation or transmission, computer virus or line or system failure, even if the Hawaii Life & Disability Insurance Guaranty Association, or representatives thereof, are advised of the possibility of such damages, losses or expenses, and whether caused in whole or in part by negligence, acts of god, telecommunications failure, theft or destruction of, or unauthorized access to the Web site or the materials.
Use of this Web site shall be governed in all respects by applicable Hawaii Life & Disability Insurance Guaranty Association and federal laws without reference to choice of law rules. This Web site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. Those who choose to access this Web site from such locations do so on their own initiative and are responsible for compliance with applicable local laws.