ACEC Life/Health Trust

Website Terms and Website Privacy Policy

Thank you for visiting the ACEC Life/Health Insurance Trust’s website.  These Website Terms and Website Privacy Policy (collectively, the “Terms of Use”) form a binding legal agreement governing your use of this website (the “Site”). This Site is owned and operated by the ACEC Life/Health Insurance Trust, and as used herein, terms such as “we” or “our” and “the Trust” refer to the ACEC Life/Health Insurance Trust and its current and future affiliated entities.  Your access to and use of this Site is subject to the Terms of Use and all applicable laws.  This Site is intended for a United States audience, and any information you provide, including any personal information, will be transferred to and processed by a computer server located within the United States.

BY ACCESSING AND USING THIS SITE YOU AGREE TO COMPLY WITH AND BE BOUND BY THESE TERMS OF USE.  IF YOU DO NOT AGREE TO THESE TERMS OF USE, OR DO NOT MEET THE QUALIFICATIONS INCLUDED IN THESE TERMS OF USE, DO NOT ACCESS OR USE THIS SITE.

The Effective Date of these Terms of Use is April 1, 2023.

Changes to the Terms of Use / Site.   We may change these Terms of Use, in whole or part. If we do so, such change will appear on this page of our Site. We will also provide appropriate notice and choices to you, on this Site and in other appropriate locations, based on the scope and extent of changes. You may always visit these Terms of Use to learn of any updates.  We reserve the right at any time to modify or temporarily or permanently discontinue this Site with or without notice, and we will not be liable to you or to any third party for any modification, suspension or discontinuance of this Site.

Links To Other Sites

This Site may provide links to other websites or other services operated by third parties. Because we have no control over third-party websites or services, we are not responsible for the availability of those websites and are not responsible or liable for any content, advertising, services, products, or other materials on or available from such websites. We make no representations regarding the content or accuracy of materials on such third party websites. Similarly, we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, advertising, services, products, or other materials on or available from such websites. Your use of such web sites is subject to the terms and policies (including privacy policies) of the owner of such web sites and not these Terms of Use. Other websites may link to the Site with or without our authorization, and we may block any links to or from the website in our sole discretion. YOUR USE OF THIRD-PARTY WEB SITES OR SERVICES IS AT YOUR OWN RISK.

Ownership Of This Site And Its Contents, Feedback

This Site, including all of the software and code comprising or used to operate this Site, including application updates, and all of the text, photographs, images, illustrations, graphics, sound recordings, logos, video and audio-video clips, and other materials available on this Site (collectively, “Content”) are protected under applicable intellectual property and other laws, including without limitation those of the United States. All Content and intellectual property rights therein are the property of the Trust or of third parties who have licensed their rights to the Trust.

The presence of any Content on this Site does not constitute a waiver of any right to such Content. You do not acquire ownership rights to any such Content viewed through this Site. Subject to your compliance with these Terms of Use, we will permit you to access and use the Site solely for lawful purposes (in compliance with all laws, rules and regulations) and only in accordance with these Terms of Use.  

Under these Terms of Use, we hereby grant you a limited license to access and use this Site and to download and print copies of any Content to which you have properly gained access, but only for your own personal, non-commercial use, and only if you do not remove, modify or obscure any copyright, trademark, or other proprietary notices from such Content.  The foregoing license does not include use of any data mining, robots or similar data gathering or extraction methods.  We may revoke this license at any time and for any reason without notice.  Except as otherwise provided in these Terms of Use, you may not use, copy, reproduce, distribute, republish, download, modify, display, post or transmit Content or any trademarks in any form or by any means without our express prior written permission.

We welcome your comments, feedback, suggestions, and other communications regarding this Site and the information we make available through this Site (collectively, “Feedback”). By submitting Feedback, you represent and warrant that you have the legal rights to disclose any ideas or information you include in your Feedback. All Feedback you provide to us through this Site will be and remain our exclusive property. Your submission of Feedback will constitute an assignment to us of all worldwide rights, title and interests in your Feedback, including all copyrights and other intellectual property rights in your Feedback. Do not send us any Feedback that you do not wish to assign to us.

Disclaimer Of Warranties

WE MAKE NO REPRESENTATIONS OR WARRANTIES WHATSOEVER WITH RESPECT TO THIS SITE, ANY CONTENT ON THIS SITE, OR ANY PRODUCT OR SERVICE PROMOTED THROUGH THIS SITE. THIS SITE AND ALL OF ITS CONTENT ARE PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS. WE CANNOT AND DO NOT REPRESENT THAT THE SITE WILL OPERATE ERROR-FREE, UNINTERRUPTED, FREE FROM UNAUTHORIZED ACCESS, THAT THE SITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL MECHANISM, OR OTHERWISE MEET YOUR REQUIREMENTS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, ARISING BY STATUTE, CUSTOM OR COURSE OF DEALING, COURSE OF PERFORMANCE OR IN ANY OTHER WAY, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF TITLE, NON–INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Limitations Of Liability

UNDER NO CIRCUMSTANCES WILL THE TRUST, ITS TRUSTEES, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS, LICENSORS AND SERVICE PROVIDERS BE LIABLE TO YOU, OR ANY THIRD PARTY CLAIMING THROUGH YOU, FOR ANY LOSSES OR DAMAGES ARISING OUT OF OR IN CONNECTION WITH THIS SITE, ITS CONTENT, ANY INFORMATION REGARDING SERVICES OR PRODUCTS MADE AVAILABLE THROUGH THIS SITE, OR YOUR USE OF OR INABILITY TO USE THIS SITE, INCLUDING ANY LOSS OR DAMAGE DUE TO VIRUSES THAT MAY AFFECT YOUR COMPUTER EQUIPMENT, SOFTWARE, DATA OR OTHER PROPERTY ON ACCOUNT OF YOUR USE OF THIS SITE.

THIS IS A COMPREHENSIVE LIMITATION OF LIABILITY THAT APPLIES TO ALL LOSSES AND DAMAGES OF ANY KIND (WHETHER DIRECT, INDIRECT, GENERAL, SPECIAL, CONSEQUENTIAL, INCIDENTAL, EXEMPLARY, PUNITIVE OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, LOSS OF DATA, LOSS OF INCOME OR LOSS OF PROFITS), WHETHER THE CLAIM IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES, AND WITHOUT REGARD TO THE SUCCESS OR EFFECTIVENESS OF OTHER REMEDIES.

IF ANY PART OF THIS LIMITATION OF LIABILITY IS FOUND TO BE INVALID, ILLEGAL OR UNENFORCEABLE FOR ANY REASON, THEN OUR AGGREGATE LIABILITY UNDER SUCH CIRCUMSTANCES TO YOU OR ANY PERSON OR ENTITY CLAIMING THROUGH YOU FOR LIABILITIES THAT OTHERWISE WOULD HAVE BEEN LIMITED WILL NOT EXCEED ONE HUNDRED US DOLLARS (US$100.00). YOU AGREE THAT WE WOULD NOT ENTER INTO THESE TERMS OF USE WITHOUT THESE LIMITATIONS ON OUR LIABILITY.

NOTHING IN THESE TERMS OF USE WILL LIMIT OR EXCLUDE LIABILITY FOR LOSSES OR DAMAGES WHICH MAY NOT BE LAWFULLY EXCLUDED OR LIMITED BY APPLICABLE LAW.

Choice Of Law, Jurisdiction And Venue, Statute Of Limitations

These Terms of Use (including the Website Privacy Policy) and the relationship between you and us will be governed by and construed in accordance with the federal laws of the United States of America and the laws of the State of Texas, excluding conflict of laws provisions that would indicate the application of the laws of any other jurisdiction.  ANY LEGAL ACTION OR PROCEEDING RELATING TO YOUR ACCESS TO, OR USE OF, THIS SITE, THESE TERMS OF USE, OR YOUR ACCOUNT, WILL BE INSTITUTED ONLY IN A STATE OR FEDERAL COURT HAVING JURISDICTION IN HARRIS COUNTRY, TEXAS, U.S.A. YOU AND WE IRREVOCABLY AGREE TO SUBMIT TO THE JURISDICTION OF SUCH COURTS.  You expressly waive any claim of improper venue and any claim that such courts are an inconvenient forum.  You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or these Terms of Use must be filed within one (1) year after such claim or cause of action arose or be forever barred to the extent permitted by applicable law.

Contact Us

If you have any questions about these Terms of Use (including the Website Privacy Policy), please contact us by email at [email protected] or by postal mail at:

ACEC Life/Health Insurance Trust

9950 Woodloch Forest Drive, Suite 1550

Spring, Texas 77380

Alternatively, you may contact us by submitting your information and a description of your inquiry on the following webpage: https://www.aceclifehealthtrust.com/contact.

WEBSITE PRIVACY POLICY

We recognize that the privacy of your personal information is important. The purpose of this Website Privacy Policy (“Privacy Policy”) is to let you know how we handle personal information that may be collected through the use of this Site. This Privacy Policy does not apply to information collected through other means, such as by telephone or in person.

Cookies and Other Tracking Technologies

Our Use of Cookies

The Trust uses various tracking technologies, including “cookie” technology, to gather certain personal information from visitors to our Site.

“Cookies” are small text files that may be placed on your computer when you visit a website or click on a URL. Cookies may include “single-session cookies” which generally record information during a single visit to a website and are thereafter erased, and “persistent” cookies which are generally stored on a computer unless or until they are deleted or expire. You may disable cookies and similar items by adjusting your browser preferences at any time; however, this may limit your ability to take advantage of some features on this Site.

We may use cookies and similar tracking technologies to gather information and aggregate data from visitors to our Site, such as information on which webpages are visited and how often those pages are visited. 

In some instances, we may use and disclose your webpage activity information to third parties, unless disclosing the information is restricted by this Privacy Policy or by applicable law. For further information on our disclosure practices, please see the section entitled “Disclosures of Your Personal Information” below.

Some examples of the ways we may use your webpage activity information include, among other uses:

  • Customizing your experience on the Site, including by managing and recording your preferences;

  • Marketing, product development, and research purposes;

  • Tracking resources and data accessed on the Site;

  • Developing reports regarding usage, activity, and statistics for the Site;

  • Assisting users experiencing problems with Site;

  • Enabling certain functions and tools on the Site; or

  • Tracking paths of visitors from third party websites to this Site and their paths within this Site.

“Flash” Technology

In some instances, our Site uses “flash” technologies to enable website functionality. You may manage the use of these “flash” technologies with the Flash management tools available on Adobe’s website.

“Do Not Track” Signals

We do not currently respond to web browser “Do Not Track” signals, or other equivalent signals that provide a method for website users to opt out of the collection of online activity information over time and across third-party websites. This is due, in part, to the lack of a common definition for such signals and a lack of related industry-accepted standards for how such signals should be interpreted.

Use of Your Personal Information

Our Site may include webpages that give you the opportunity to provide us with personal information about yourself. You are not required to provide us with personal information to access the Site; however, in some instances your ability to use certain functions of our website or to request certain services or information may be limited.

We may use personal information for a number of purposes, such as:

  • To respond to an email or particular request from you;

  • To personalize the website for you;

  • To process an application as requested by you;

  • To administer surveys and promotions;

  • To provide you with information that we believe may be useful to you, such as information about health products or services provided by us or other businesses;

  • To comply with applicable laws, regulations, and legal process;

  • To protect someone’s health, safety, or welfare;

  • To protect our rights, the rights of affiliates or related third parties, or to take appropriate legal action, such as to enforce our Terms of Use;

  • To keep a record of our transactions and communications with you; or

  • As otherwise necessary or useful for us to conduct our business, to the extent such use is permitted by applicable law.

We may also use personal information to contact you through any contact information you provide through this Site, including any email address, telephone number, or fax number. Please see the section below entitled “Our Online Communications Practices” for further information on our use of your contact information.

In some instances, we may combine personal information that you provide to us through our Site with other information we have received from you, whether online or offline from you or from a third party, such as from our vendors. For example, if you have purchased a product or service from us, we may combine the personal information you provide through this Site with information regarding your receipt of the product or service.

Disclosures of Your Personal Information

We may disclose your personal information to others within the Trust, to third parties that provide services to us (e.g., IT, marketing, and other service providers), or to other third parties as required by legal process or to comply with relevant law, among other parties.

Our Online Communication Practices

We may send electronic newsletters and other communications, such as marketing communications, on a periodic basis to various individuals and organizations. If you would like to opt-out of our online communications, please contact us as explained in the section entitled “Contact Us” above.

Information for Children Under 13

We do not intentionally collect any personal information from children under the age of 13 through our Site, and users under the age of 13 should not submit any personal information to us through the Site. If you think that we have collected personal information from a child under the age of 13 through this Site, please contact us as set out in the “Contact Us” section above.