MyNWL National Western Life Insurance

 

Terms of Use and Legal Information

 

Conditions of Use

By using National Western Life Insurance Company’s website, you signify your assent to the following conditions of use without limitation or qualification.  Please read these conditions before using this website.  National Western Life may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the most current terms and conditions to which you are bound.  You agree to:

  • Act responsibly and be truthful and accurate with regard to your account or any information you provide on our website.
  • Be responsible for all activities that occur under your username and password, including without limitation, all communications, submissions or financial obligations.
  • Protect your user name and password from unauthorized use.
  • Notify National Western Life immediately if you suspect or become aware of any unauthorized use or access to your account or any account related security breach, including, but not limited to, loss or theft of your password or username.
  • Use our website for personal or non-commercial purposes only.
  • Call the toll-free customer service number whenever you have any change in your personal information. By contacting us immediately, we can better serve you and secure the privacy of your information.

This website does not intend to market any products or services to children under thirteen (13) years of age. We do not knowingly gather or solicit data from children under thirteen (13) years of age through this website for marketing purposes.  By using this website, you represent that you are not under thirteen (13) years of age.

 

Restrictions on Use of Website

In addition to other restrictions provided in these Terms of Use, you may not, while accessing or using our website, engage in any of the following activities:

  • Provide false or misleading registration information, impersonate another person or user, disclose your username or password to anyone else, or use an account, username, password, or personal information of another user.
  • Harvest or collect information about any users of our website.
  • Transmit or facilitate the transmission of any "junk mail," "chain letters," or unsolicited mass mailing or "spamming" in connection with our website.
  • Use any robot, spider, website search/retrieval application or automatic device to retrieve, index, "data mine," or in any way reproduce or circumvent the navigational structure or presentation of our website or any content of our website.
  • Modify the content, programs or other materials on our website or intentionally access our website and services without authorization, or in a manner that exceeds authorized access.
  • Remove or obscure the copyright notice or other notices displayed on the content and/or frame National Western Life name or any other National Western Life content, trademark, logo or trademarks in any meta-tags or other hidden text, or other proprietary information on our website.
  • Frame or mirror any part of our website, without the express written permission of National Western Life.
  • Take actions to interrupt, interfere with, obstruct, or limit the functionality of our website, National Western Life’s services or any software, hardware, or equipment.
  • Use this website in a manner that may adversely affect our website resources or its availability to others, or that violates U.S., local, state or federal law.
  • Reverse engineer, decompile, disassemble, translate or otherwise alter any portion of our website or any of the third-party websites we may provide links to.
  • Upload or input to our website any information that contains viruses, spyware, adware, nagware, trojans, worms, rootkits or other malicious computer programming routines that are intended to damage, interfere with, intercept, or expropriate any portion or system of our website.
  • Take any action that imposes an unreasonable load on the systems supporting our website.
  • Attempt to disrupt, degrade, impair or violate the integrity or security of the infrastructure of our website (e.g., hacking, denial of service attacks), including any activity that precedes attempts to breach security such as scanning, probing, or other testing or vulnerability assessment activity, or engaging in or permitting any network or hosting activity that results in the blacklisting or other blockage of our public networking infrastructure.

Your National Western Life account privileges depend upon your consent to honor these responsibilities; we rely on your good faith and judgment. If you choose to provide inaccurate or false information, or use poor judgment National Western Life has the right to discontinue your access to this website. Additionally, you agree that your use of our website may be suspended or terminated immediately upon receipt of any notice which alleges that you have used our website in violation of these Terms of Use and/or for any purpose that violates any local, state, federal or law of the United States or other jurisdictions, including, but not limited to, the posting of information that may violate third party rights, may defame a third party, may be obscene or pornographic, may harass or assault others, or may violate any laws, rules or regulations, including, hacking or other criminal regulations.

 

Disclaimer

All materials on www.nationalwesternlife.com and www.mynwl.com are provided "as is" and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. The information included in the National Western Life Insurance Company website is for informational purposes only.  This material is intended solely to provide a general overview of the types of products and range of services available from National Western Life.  The information included herein is not an offer to sell, or invitation to purchase, or invitation to inquire about any annuity or insurance product when any such offer to sell, or invitation to purchase, would violate the insurance laws of any jurisdiction.

National Western Life Insurance Company is not licensed in New York.  National Western Life is licensed in the remaining 49 states and the District of Colombia, several U.S. Territories and possessions, as well as several foreign countries. All products listed may not be available in all states.

 

Hyperlinks

National Western Life’s website may, from time to time, contain links to other internet websites for the convenience of users in locating information and services that may be of interest. You acknowledge that these third-party websites are maintained by persons or organizations that National Western Life does not control, and National Western Life expressly disclaims any responsibility for the content, the accuracy of the information and/or quality of products or services provided by or advertised on these third-party websites. National Western Life does not control, endorse, promote, or have any affiliation with any other website unless expressly stated in the website or in the other website.

 

Limitation of Liability

USE OF THIS WEBSITE IS ENTIRELY AT YOUR OWN RISK. IN NO EVENT SHALL NATIONAL WESTERN LIFE BE LIABLE TO YOU, OR TO ANY THIRD PARTIES, FOR ANY DAMAGES YOU OR A THIRD PARTY MAY SUSTAIN DUE TO YOUR USE OR INABILITY TO USE THE WEBSITE OR ANY MATERIALS, EVEN IF NATIONAL WESTERN LIFE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. NATIONAL WESTERN LIFE SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOST REVENUES OR LOST PROFITS, WHICH MAY RESULT FROM THE USE OF, ACCESS TO, OR INABILITY TO USE THESE MATERIALS. UNDER NO CIRCUMSTANCES WILL THE TOTAL LIABILITY OF NATIONAL WESTERN LIFE TO YOU EXCEED THE PRICE PAID FOR USE OF THE WEBSITE. THE WEBSITE AND MATERIALS ARE PROVIDED "AS IS." TO THE MAXIMUM EXTENT PERMITTED BY LAW, NATIONAL WESTERN LIFE DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THE INFORMATION PRESENTED ON OR THROUGH THE WEBSITE IS MADE AVAILABLE FOR GENERAL INFORMATIONAL PURPOSES ONLY AND NATIONAL WESTERN LIFE DOES NOT WARRANT THE ACCURACY, COMPLETENESS OR USEFULNESS OF THIS INFORMATION. NATIONAL WESTERN LIFE DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE WEBSITE OR ANY MATERIALS WILL MEET ANY REQUIREMENTS OR NEEDS YOU MAY HAVE, OR THAT THE WEBSITE OR ANY MATERIALS WILL OPERATE IN AN ERROR-FREE OR UNINTERRUPTED FASHION, OR THAT ANY DEFECTS OR ERRORS IN THE WEBSITE OR MATERIALS WILL BE CORRECTED, OR THAT THE SOFTWARE IS COMPATIBLE WITH ANY PARTICULAR PLATFORM. SOME JURISDICTIONS DO NOT ALLOW THE WAIVER OR EXCLUSION OF IMPLIED WARRANTIES SO THEY MAY NOT APPLY TO YOU.

 

Malware

There is always the possibility of unknowingly acquiring computer malware through use of the Internet or third-party websites or applications. This may include viruses, spyware, adware, nagware, trojans, worms, rootkits or other malicious computer programming routines. It is your responsibility to scan any and all downloaded materials received from the Internet, third-party websites or applications. National Western Life is not responsible or liable for any damage caused by malware or related hazards, whether or not that malware or related hazard resulted from use of the website or online services. You, and not National Western Life, assume the entire cost of all necessary servicing, repair, or correction related to malware.

 

Restrictions on Use of Materials

This website is owned and operated by National Western Life. Permission is granted to display and navigate around this website with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this website or any portion hereof is strictly prohibited.

Except as otherwise permitted by National Western Life, no materials from www.nationalwesternlife.com or any website owned, operated, licensed or controlled by National Western Life may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for non-commercial, personal use provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video, without National Western Life’s written permission.

National Western Life neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with National Western Life.

 

Copyrights/Trademarks/Service Marks/Restrictions on Use

Images displayed on this website are either the property of, or used with permission by National Western Life. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of these images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

National Western Life and all other trademarks, service marks, trade names, logos and icons used by National Western Life are proprietary to National Western Life or its subsidiaries, and are registered trademarks or service marks of National Western Life and/or its affiliates. Nothing contained on the website should be construed as granting by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this website without the written permission of National Western Life or such third party that may own the trademarks or service marks displayed on this website. Your use of the trademarks or service marks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.

Use of these marks must be with our permission. We will file appropriate legal action to stop the unauthorized use of these marks.

Questions concerning use of National Western Life’s trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property should be addressed to: National Western Life Insurance Company, PO Box 209080, Austin, TX 78720.

Any communications or materials you transmit to this website, except as otherwise provided in our Privacy Policies by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and nonproprietary and will become the property of National Western Life or its affiliates. Such communications or material shall be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, National Western Life is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

 

Privacy

Please review our Privacy Policies, which also governs your access to the website and use of the online services.

 

Indemnification

You agree to defend, indemnify, and hold harmless National Western Life, its affiliates and subsidiaries, and all of their respective directors, officers, employees, representatives, proprietors, partners, shareholders, members, employees, principals, agents, predecessors, successors, assigns, and attorneys from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including attorneys’ fees and litigation expenses) relating to or arising from your use of the website, any breach by you of these Terms of Use, your negligent or intentional acts, errors or omissions in regard to the subject matter of these Terms of Use, or your failure to comply with applicable laws.

 

Choice of Law / Dispute Resolution

These Terms of Use are governed by the laws of the State of Texas without regard to that state's principles of conflicts of laws. You consent to the jurisdiction of the federal and state courts presiding in Austin, Texas, and irrevocably agree to accept service of process by mail, and hereby waive any and all jurisdictional and venue defenses otherwise available. This website is intended solely for visitors within the United States and is controlled and operated by National Western Life from its offices within the United States. National Western Life makes no representation that materials on the website are appropriate or available for use in other locations, and access to them from territories where their contents are illegal is prohibited. Those who choose to access this website from other locations do so of their own volition, agree to use the website only for lawful purposes, and are responsible for compliance with applicable laws.

 

Changes to the Terms of Use

National Western Life may revise and update these Terms of Use from time to time, in its sole discretion. All changes are effective immediately when posted and apply to all access to and use of the website thereafter. Your continued use of the website following the posting of revised Terms of Use means that you accept and agree to the changes.

 

Miscellaneous Terms

If any part of these Terms of Use is unlawful, void or unenforceable under applicable law, that part will be deemed severable and will not affect the validity or enforceability of any remaining provisions. These Terms of Use constitute the entire agreement among the parties relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this website will govern the items to which they pertain.