American Corporate Benefits, Inc. (ACBI) will only operate within the states in which the Company is licensed. Nothing on this web site is to be construed as an offering of insurance within states in which the Company is not licensed. Please contact ACBI if there is any question as to licensure status within any state. Rules and regulations of each state’s insurance requirements will be followed in a proper manner.

Copyright
All content on this site, unless otherwise indicated, including, but not limited to, text, graphics and site code, is the property of American Corporate Benefits, Inc. or duly licensed to American Corporate Benefits, Inc. and protected by U.S. and international copyright laws.

Site Access
American Corporate Benefits, Inc. grants you a limited license to access and make personal use of this site. This license does not include any resale or commercial use of this site or its contents; any collection and use of any product listings, descriptions or prices; any derivative use of this site or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools without the express written consent of American Corporate Benefits, Inc. Neither this site nor any portion of this site may be reproduced, duplicated, copied, sold, resold or otherwise exploited for any commercial purpose without express written consent. You may not frame or utilize framing techniques to enclose any part of the site without express written consent. You may not use any meta tags or any other “hidden text” utilizing the Play Service’s name without express written consent. Any unauthorized use terminates the license granted by American Corporate Benefits, Inc. You are granted a limited, revocable, and nonexclusive right to create hyperlinks to pages on the site so long as the link does not portray American Corporate Benefits, Inc. or any of our products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use our logo as part of a link without express written consent.

Electronic Communications
When you visit this web site or send emails to us, you are communicating with us electronically. Use of this site means you consent to receive communications from us electronically and agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Disclaimer of Warranties and Limitation of Liability
This site is provided by American Corporate Benefits, Inc. on an “as is” and “as available” basis. American Corporate Benefits, Inc. makes no representations or warranties of any kind, express or implied, as to the operation of this site or the information, content or products included on this site. You expressly agree that your use of this site is at your sole risk. To the full extent permissible by applicable law, American Corporate Benefits, Inc. disclaims all warranties, express or implied. American Corporate Benefits, Inc. does not warrant that this site, its servers, or email sent from American Corporate Benefits, Inc. are free of viruses or other harmful components. American Corporate Benefits, Inc. will not be liable for any damages of any kind arising from use of this site, including, but not limited to, direct, indirect, incidental, punitive and consequential damages.

Applicable Law
In visiting this site, you agree that the laws of the state of New York, without regard to principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and American Corporate Benefits, Inc.