Terms of Use

EFFECTIVE April 15, 2015

At Haven Life Insurance Agency, LLC. ("Haven Life"), we believe that technology offers an improved solution to the typically time-consuming and confusing process of buying life insurance. Our goal is to pioneer an entirely new way that is easier, faster and just plain better.

The Haven Life website and its features are intended solely for use by United States residents who are at least 18 years of age and have otherwise reached the age of majority in his/her state . By accessing the Haven Life website and its features, you represent and warrant that you have the right, authority and capacity to enter into these Terms of Use and that you meet all eligibility requirements. By accessing this website, you agree to be bound to these Terms of Use and our Online Privacy Policy. If you do not agree to these Terms of Use and the Privacy Policy, you should not access or use the website.

Permissible Use of Materials

The Haven Life website and its contents are protected by copyright, trademark, and other intellectual property laws of the United States. You can use the Haven Life website for your personal, non-commercial use only and may download or print a copy of the information contained on the website only for lawful, personal, non-commercial use. Any copies of information from the website that you use for permissible purposes must retain all copyright and other proprietary notices contained on the materials. Any other copying, republication, reproduction, or posting of graphics, text, or other content from the website is expressly prohibited without our prior written permission. You can request permission by contacting us at help@havenlife.com.

You may not use our corporate name or any of our trademarks or service marks, or any variation of them, in a way that creates an impression of an affiliation, relationship or endorsement between us and any other party. Nothing on this website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use our trademarks or service marks without our written permission.

Reliance on Information Posted

The information provided on the Haven Life website is solely for general information purposes. We do not guarantee the accuracy, completeness or usefulness of this information to your own specific financial circumstances. Any reliance on this information is strictly at your own risk.

No Legal or Tax Advice

The information provided on this website is not written or intended as specific tax or legal advice, and may not be relied on for purposes of avoiding any federal tax penalties. Haven Life, its employees and representatives, are not authorized to give tax or legal advice. You are encouraged to seek advice about your specific circumstances from your own financial, tax, or legal adviser before making any financial decision.

Products and Services

Haven Term is a Term Life Insurance Policy issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111 and offered exclusively through Haven Life. Product information and descriptions contained on this website are not intended to be complete descriptions of all applicable terms, exclusions and conditions, but are provided solely for general informational purposes. Please refer to the actual policy for complete details of coverage of a particular policy. Policies may not be available in all states. A policy's approval is not guaranteed and is subject to personal health history and specific underwriting guidelines of the specific insurance company issuing the policy. You may not be eligible for all products or services and the issuing insurance company can determine eligibility in accordance with its underwriting guidelines and as permitted by applicable law.

Intended for United States Residents Only

The Haven Life website is provided for use only by persons located in the United States. The website may not be appropriate or available for use outside of the United States, and access from certain locations may be unlawful. Using or exporting the materials on this website in violation of U.S. export laws and regulations is prohibited. If you access the website from outside the United States, you do so on your own initiative and are responsible for compliance with all applicable local laws. By offering this website and information, products or services, via this website, no solicitation is made to any person to use the website or such information, products or services in jurisdictions where the provision of the website and such information, products or services is prohibited.

Website Security

While we use reasonable precautions to protect confidential information on our systems and provide suitable security, we cannot guarantee that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception or error. We cannot guarantee or warrant that any part of the website, including any links to third party content, are free of viruses or other harmful code. It is your responsibility to take appropriate precautions, such as through the use of an anti-virus software package, to protect your computer hardware and software.

Mobile Devices

You may be able to access and browse our website and certain of its features through a compatible mobile device. In order to do so, you must have a wireless subscription with a participating carrier or have other network access. You are solely responsible for all service fees and charges from your carrier or network provider, as well as any necessary equipment or software requirements, associated with accessing our website and any of its interactive features through your mobile device.

Third Party Content

The information we provide on this website may include links to content on third party websites. The fact that we provide a link to a third party website does not necessarily mean that we endorse, authorize or sponsor that website, or that we are affiliated with the third party website's owners or sponsors. Unless otherwise indicated, linked websites are not under our control and we are not responsible for the content of any such site. We do not guarantee the accuracy or completeness of the information contained in any linked sites and assume no liability for the content of those sites. The operators of third party websites may collect information about you through the use of cookies or other web technologies. We have no control over the privacy and security practices of those third parties. You should review the privacy policies and terms of use of any linked websites you may visit.

User Generated Content

In addition to the Haven Life website, we may use Haven Life branded social media pages, on sites such as Facebook and Twitter, to promote and share Haven Life events, developments and other news. Any content that you post on these social media pages will be considered non-confidential and non- proprietary. By posting any content to our social media pages, you grant Haven Life the right to reproduce, distribute, or otherwise use any such material for any purpose. By posting any content to our social media pages, you represent that you own or control all rights in the content. Any content posted must comply with our content standards. We are not responsible and assume no liability for content displayed on any Haven Life-branded social media pages that may be provided by another party.

Digital Millennium Copyright Act ("DMCA") Notice

We respect the copyright interests of others. It is our policy not to permit comments or other content posted by users of our website that is known by us to infringe another person's copyright to remain on the website. If you believe that any comments or other content on the website infringe a copyright, you should provide us with written notice that, at a minimum contains:

  • A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright that is allegedly infringed;
  • Identification of the copyrighted work claimed to have been infringed;
  • Identification of the comments or other content that is claimed to be infringing, including information reasonably sufficient to permit us to locate the material on our website;
  • Contact information for the complaining party, including address, telephone number and, if available, email address at which the complaining party may be contacted;
  • A statement that the complaining party has a good faith belief that use of the copyrighted work in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  • A statement made under penalty of perjury that the information in the notification is accurate and that the complaining party is authorized to act on behalf of the owner of the copyright that is allegedly infringed.

All DMCA notices should be sent to our designated agent as follows:
help@havenlife.com
It is our policy to terminate any online account of any user who infringes the copyrights of others.

Content Standards

You agree that you will not post any content on our website and social media pages that:

  • is defamatory, abusive, obscene, profane or offensive; * is inaccurate, false or misleading in any way;
  • is off-topic, repetitive or constitutes spam posts;
  • disparages or criticizes any person or entity;
  • infringes or violates another person's intellectual property rights;
  • violates any person's right of publicity or right of privacy;
  • is threatening, harassing or promotes racism, bigotry, hatred or physical harm of any kind against any group or individual;
  • is illegal or promotes any illegal activities; or
  • contains any advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation.

Prohibited Activities

You agree that you will not:

  • use spiders, robots, data mining techniques or other automated devices or programs to catalog, download or otherwise reproduce, store or distribute content available on our website;
  • take any action to interfere with or disrupt the website or another person's use of the website, including through means of overloading, flooding, mailbombing, or crashing the website, circumventing security or user authentication measures or attempting to exceed the limited authorization and access granted to you under these Terms of Use;
  • transmit any file that contains viruses, worms, Trojan horses, or any other destructive features, or that otherwise interferes with the proper working of the website; or
  • attempt to decompile or reverse-engineer any of the software or other technology underlying the website or any of its interactive features.

Other Agreements

These Terms of Use apply to your usage of our website. These Terms of Use do not alter or change any terms or provisions of any contract, policy, certificate, or other agreement between you and Haven Life Insurance Agency, LLC.

Jurisdiction

The laws of the State of Massachusetts will govern the content and materials contained in this website, without giving effect to any principles of conflicts of laws.

Changes to the Terms of Use

We may revise and update these Terms of Use from time to time. All changes are effective immediately when we post them. Your continued use of the website following the posting of revised Terms of Use means that you agree to the changes. We recommend that you review this page periodically for the latest version of the Terms of Use.

Disclaimer of Warranties

All information presented through the website is furnished "as is" and "as available," without any express or implied warranties of any kind, including without limitation, warranties of fitness for a particular purpose or non-infringement of intellectual property. We do not represent or warrant that the website or its content is error free, that defects will be corrected, and that the website is free of viruses or other harmful code.

Limitation of Liability

UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE FROM YOUR USE OF, OR INABILITY TO USE, THE HAVEN LIFE WEB SITE OR ANY OF ITS CONTENT, EVEN IF FORESEEABLE. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

Contact

If you have any questions regarding these Terms of Use, please contact us at help@havenlife.com.