Terms of Use

Please read the following carefully

I.   Introduction

These Terms of Use govern your access and use of the Web site of Nippon Life Benefits.   All information accessed or viewed is considered confidential and is for only authorized personal or business purposes.

II.   Acceptance of Terms

This Web site is the property of Nippon Life Benefits.   By linking, referencing, using or accessing this Web site, you agree to these Terms and Conditions, including agreeing to indemnify and hold harmless Nippon Life Benefits from all claims of any nature arising from your access and use of the Web site.   These Terms and Conditions may be changed at any time at our sole discretion.

III.   Consent to do Business Electronically

This system/application is the property of Nippon Life Benefits.   You may use this system/application to gain access to authorized information only.   By providing the information requested periodically in a Consent to do Business Electronically form (presented at the time of login), you are:

  • Consenting to do business electronically with Nippon Life Benefits
  • Certifying that you are the person identified by that information.   If you are not that person and/or you are attempting to access someone else's information, you are in violation of federal and/or state law and should exit this application now.   Suspected violations may be reported to state and/or federal authorities;
  • If you are accessing this system/application on behalf of your employer, you are certifying that you have the appropriate authority to conduct business electronically on behalf of your employer;
  • Accepting and agreeing to be bound by the Disclosures and Terms of Use that apply to the Web site of Nippon Life Benefits; and
  • Consenting to, and acknowledging that, activity on this system/application may be viewed, monitored and recorded by Nippon Life Benefits in order to help prevent and detect potential fraud or other abuse, including unauthorized access to information.

When presented with the Consent to do Business Electronically, if you do not agree with any of these items, you should select the "Do Not Consent" button and exit the system/application.   By selecting "Do Not Consent" you will not be able to conduct business electronically with Nippon Life Benefits which includes not being able to access accounts and information online.

IV.   Secure Web Site

By using, accessing or attempting to access our Web site when Passwords, Personal Identification Numbers (PINs) or any other method of authentication or any combination of authentication methods (these are defined as "secure Web site") are required, you are certifying you are the person legally associated with the passwords, PINs or method(s) of authentication being used.   Unauthorized access or use or attempts to access or use a secure Web site of Nippon Life Benefits is prohibited and may violate federal and/or state law.   We may report unauthorized access, use or attempts to access or use to law enforcement.

V.   Products and Services

The products and services offered through Nippon Life Benefits are not available in all states.  

VI.   Intellectual Property; Link and Logo Licensing

Trademarks, service marks and logos used on our Web site are registered and unregistered trademarks, subject to the laws of the United States and other countries worldwide.   Trademarks, service marks and logos used on this Web site that have been provided by others are the property of their respective owners.   You may not copy, modify, store, transmit, reproduce, or distribute any part of the information or content of or trademarks, service marks or logos used on this Web site without the specific written consent of Nippon Life Benefits or their respective owners.

VII.   Privacy

All personal information is subject to the Privacy Policy of Nippon Life Benefits, which may be accessed by clicking on the Privacy link at the bottom of any page.   The information for the accounts you have with us is kept secure and confidential through multiple security features and procedures.   See our online privacy and security policies for further information.

VIII.   No Legal or Investment Advice

The content of Nippon Life Benefits website should not be construed to be legal or investment advice. Users are responsible for obtaining their own competent legal and investment advice from qualified providers at their own expense.

IX.   Links to Other Site - Limitation of Liability

Nippon Life Benefits may provide, or third parties may provide, for your convenience and information only, links to other World Wide Web sites.   Because we do not have control over these sites, you agree that Nippon Life Benefits is not responsible for any liability resulting from the access or use of sites not owned by us and that we are not responsible for any content, advertising, product, or any other matter or issue, available through the World Wide Web, whether linked to, or from Nippon Life Benefits website.   Further, you agree that Nippon Life Benefits shall not be 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 Web site we do not own.

X.   Third Party Applications - Modification Prohibited

Nippon Life Benefits may provide you with access to third-party applications and services through its Web site. You agree not to modify, decompile or reverse engineer any such third party applications, or any code related to such third party applications.

XI. Modification Prohibited

Nippon Life Benefits may provide you with access to forms, applications, marketing materials and other company documents through its Web site. You agree not to modify, decompile or reverse engineer any such documents or any code related to such documents.

XII.   Termination and Blocking

You agree that Nippon Life Benefits reserves the right to terminate and/or block your use or access of its Web site for any reason without prior notice to you.

XIII.   Monitoring

Nippon Life Benefits reserves the right to monitor your access and use of its Web site without notification to you. We may record or log your use in a manner as set out in the Privacy Policy.

XIV.   Hardware and Software Recommendations

We recommend using a computer with 1.2 GHz or better processor, minimum 256+ MB (megabytes) of RAM (Random Access Memory), at least a 56K Internet connection speed and 40 GB hard disk storage,  Windows Operating System, Microsoft Office 2000 (or higher). Our browser recommendations are outlined in our browser requirements summary.

XV.   Export Control

The United States controls the export of products and information. You agree to comply with such restrictions and not to export or re-export any Material to countries or persons prohibited under the export control laws. By downloading any Material, you are agreeing that you are not in a country where such export is prohibited and that you are not a person or entity to which such export is prohibited. You are responsible for compliance with the laws of your local jurisdiction regarding the import, export, or re-export of any Material.

XVI.   Limitation of Liability

YOU AGREE THAT YOUR ACCESS TO, AND USE OF, THE WEB SITE OF Nippon Life Benefits AND THE CONTENT THEREOF IS AT YOUR RISK.  YOU AGREE, THAT UNDER NO CIRCUMSTANCES SHALL Nippon Life Benefits BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING FROM VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES OR YOUR REFERENCING, USING, ACCESSING, INABILITY TO USE OR ACCESS OR LINKING TO OR FROM THE WEB SITE OF Nippon Life Benefits OR ANY ERRORS OR OMISSIONS IN THE CONTENT THEREOF. There are some jurisdictions that do not allow for the exclusion of certain warranties or the limitation or exclusion of liability for consequential or incidental damages. Based on this conclusion, the liability of Nippon Life Benefits is limited to the greatest extent permitted by law.

XVII.   Governing Law; Severability

These Terms of Use are governed by the laws of the State of New York with jurisdiction and venue being in New York County, New York. You agree that your referencing, using or accessing our website constitutes your acceptance of the jurisdiction of state or federal courts in New York County, New York and that any legal action brought against, or by, you must be brought in state or federal courts in New York County, New York.  

In the event any of the provisions of these Terms of Use shall be determined by a court of competent jurisdiction to be invalid, any such provision determined to be invalid shall not affect the validity of all remaining provisions.