Terms and Conditions

Terms of Use

This Terms of Use Agreement outlines the specific uses of this mobile web application. If you, the “end user,” do not agree with and/or accept all of the terms of this Agreement, you may not download and/or use this mobile application. By downloading this application, you accept the terms listed below.

The Horace Mann Companies and its affiliates (“Horace Mann”) reserve the right, in its sole discretion, to amend or modify the terms of this Agreement at any time without prior notification. Additions or modifications to this Agreement will appear on this page or will be posted on Horace Mann’s corporate website (www.horacemann.com).

This Agreement does not amend or change in any way the Usage Rules set forth in the App Store Terms of Use.

License

By accepting the terms of this Agreement, Horace Mann grants you a non-transferable, revocable, limited and nonexclusive license to use this mobile web application on any iPhone, iPod touch or iPad (versions 2 and higher) that you own or control and as permitted by the Usage Rules set forth in the App Store Terms of Use.

The license and/or use of this application does not designate you a client of Horace Mann or a consumer of Horace Mann products or services. Except for the license above, you are granted no other rights or licenses, by implication, or estoppel, or otherwise, under any patents or other intellectual property rights.

Copyright

All “content” in this application is the exclusive property of The Horace Mann Companies, its affiliates and/or third party vendors, except where indicated, and is protected by copyright, trademark and intellectual property laws. For these purposes, “content” is defined as all text, images, Horace Mann and non-Horace Mann logos, trademarks and any other materials, whether seen or not seen, found within this application. Reproduction of “content” in any manner is strictly prohibited.

Personal Information

Horace Mann does not collect or store any personal information you enter on the application. Horace Mann only receives information you submit to the company via the mobile web application.

Horace Mann is not responsible for unauthorized access to personal information you have saved to the application. The security and privacy of this information is your responsibility. If you believe your Horace Mann account or any personal information you have submitted through the application has been compromised, please contact Horace Mann immediately.

An active Horace Mann user name and password is required to access certain areas of the application, such as account information and auto ID card retrieval. If you have forgotten your user name and/or password, a link will be provided at the log-in screen to change either or both. You may also go to Horace Mann’s corporate website (www.horacemann.com) to change your user name and/or password.

Third Party Material

This application may contain links and/or content material from third party websites, applications and/or services that Horace Mann does not own, maintain or contribute to. Horace Mann provides these links as a courtesy and convenience to you, the end user. By accepting this Agreement, you agree to any applicable terms or conditions for a third party site, application or service associated with this application. You also agree that Horace Mann is not responsible for evaluating the content found on third party sites and is not responsible for any inaccuracies or errors found on those sites. Horace Mann does not endorse and/or assume any liability or responsibility for content found on third party websites, applications or services.

Horace Mann is not responsible for the privacy or security of personal information you provide to a third party site, even if the Horace Mann name and/or logo appears on the site. Visit the privacy policy of the third party site before submitting any personal information.

Warranty Disclaimer Limitation of Liability

No Warranties.
This application is provided on an "AS IS" basis and to the maximum extent permitted by applicable law, this material is provided AS IS AND WITH ALL FAULTS, and the authors and Horace Mann hereby disclaims all other warranties and conditions, either express, implied or statutory, including, but not limited to, any (if any) implied warranties, duties or conditions of merchantability, of fitness for a particular purpose, of accuracy or completeness of responses, of results, of workmanlike effort, of lack of viruses, and of lack of negligence. ALSO, THERE IS NO WARRANTY OR CONDITION OF TITLE, QUIET ENJOYMENT, QUIET POSSESSION, CORRESPONDENCE TO DESCRIPTION OR NON-INFRINGEMENT WITH REGARD TO THIS MATERIAL.

Limitation of Liability.
IN NO EVENT WILL HORACE MANN AND OR ANY AUTHOR, DEVELOPER, LICENSOR, OR DISTRIBUTOR OF THIS MATERIAL BE LIABLE TO ANY OTHER PARTY FOR ANY DAMAGES, LOSSES, CLAIMS, COSTS ORE EXPENSES ASSOCIATED WITH OR ALLEGED TO HAVE BEEN CAUSED BY THIS APPLICATION, INCLUDING BUT NOT LIMITED TO THE COST OF PROCURING SUBSTITUTE GOODS OR SERVICES, LOST PROFITS, LOSS OF USE, LOSS OF DATA, OR ANY INCIDENTAL, CONSEQUENTIAL, DIRECT, INDIRECT, PUNITIVE, OR SPECIAL DAMAGES WHETHER UNDER CONTRACT, TORT, WARRANTY, OR OTHERWISE, ARISING IN ANY WAY OUT OF THIS OR ANY OTHER AGREEMENT RELATING TO THIS MATERIAL, WHETHER OR NOT SUCH PARTY HAD ADVANCE NOTICE OF THE POSSIBILITY OF SUCH DAMAGES.

Application Support

The “content” in this application is provided “as is.” The Horace Mann Companies, its affiliates, third party providers, your phone manufacturer and service provider are not responsible for maintenance or support of this application.

Horace Mann and its affiliates do not assume any responsibility for network or server interruptions that may interfere with your use of this application.

By accepting this Agreement, you accept that Apple and its subsidiaries are not responsible in any way for this application or its maintenance or support. Furthermore, you agree that Apple and its subsidiaries are not liable for any damages, losses, claims, costs or expenses associated with this application.

Products and Services

Horace Mann has the right to change any product or service information provided through the application without prior notice. Product descriptions are included for the sole purpose of providing a quick reference tool concerning the nature and types of products available from The Horace Mann Companies and its affiliates. Policies referenced in these descriptions are not intended to be complete descriptions of all terms, exclusions and conditions in the policies, but are provided as general descriptions of the products. Descriptions are not intended to be relied upon by potential insureds and/or owners. For specific information, disclaimers or underwriting company details, please visit Horace Mann’s corporate website (www.horacemann.com).

Contract Enforcement and Jurisdiction

If any provision of this Agreement is invalid or unenforceable under applicable law, it shall not affect the validity or enforceability of the remainder of the terms of this Agreement, and without further action by the parties hereto, such provision shall be reformed to the minimum extent necessary to make such provision valid and enforceable.

Your rights under this Agreement shall terminate if you fail to comply with any of the material terms or conditions of this Agreement and do not cure such failure in a reasonable period of time after becoming aware of such noncompliance. If all your rights under this Agreement terminate, you agree to cease use of the Sample Applications and any derivative works thereof immediately.

This Agreement is governed by the laws and jurisdiction of the State of Illinois, County of Sangamon and the intellectual property laws of the United States of America. No party to this Agreement will bring a legal action under this Agreement more than one year after the cause of action arose. Each party waives its rights to a jury trial in any resulting litigation.

Feedback or Questions

Click here to submit comments or questions about this application to Horace Mann.

For more information on our Privacy Policy, please visit www.horacemann.com/privacy.



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