IMPORTANT: Please read the terms and conditions set forth below carefully before using this site nor any of the programs, content or material available through this site. Use of this site is expressly conditioned on your acceptance of the following terms and conditions. By using this site or any of the programs, content or material available through the site, you signify your assent to and acceptance of these terms and conditions. If you do not agree with any part of the terms and conditions set forth below, you must not use this site or any portion thereof.

Who We Are

This site, Childrens-Insurance ("Site"), is owned and operated by The Credo Group, Inc. ("Credo"). Credo markets insurance products offered by Globe Life and Accident Insurance Company, ("Globe Life"), through this site, Globe Life is a third-party to Credo.

Services Offered Through Childrens-Insurance

Our Site is designed to offer visitors and users information regarding a variety of insurance products. Globe Life is the issuer of any policies which you may obtain as a result of visiting this site. Neither this site or Credo sells or issues insurance policies or accepts payments for insurance policies. Globe Life will collect any payments.
The services available on this Site are designed to be completed upon the User providing required information, unless otherwise specified.

Customer Complaints

Users who have complaints regarding the Site may address such concerns in writing, via e-mail or traditional mail to the contact listed below.

Dispute Resolution

Users agree to have any unresolved claim or dispute against Credo, Torchmark or its affiliates resolved through arbitration as set forth below after first submitting the claim or dispute to mandatory non-binding mediation. The User agrees to attempt to resolve any claim or dispute through non-binding mediation before a mediator mutually agreeable to the parties and that the forum for any mediation hearing will be Dallas, Texas. The parties will each bear their respective costs of mediation.

If a claim or dispute is not resolved as a result of mediation, the User agrees to have any unresolved claim or dispute against Credo, Torchmark or its affiliates whether related to this agreement or otherwise, and any claim or dispute related to this agreement or the relationship or duties contemplated under this agreement, including the validity of this arbitration clause, resolved by binding arbitration by the National Arbitration Forum, under the Code of Procedure then in effect. The User agrees that the forum for any such arbitration proceeding shall be held in Dallas, Texas. Any award of the arbitrator(s) may be entered as a judgment in any court of competent jurisdiction. Information may be obtained and claims may be filed at any office of the National Arbitration Forum or at P.O. Box 50191, Minneapolis, MN 55405. This agreement shall be interpreted under the Federal Arbitration Act.

Please note that disputes regarding Credo, Torchmark or its affiliates may need to be resolved through the National Association of Securities Dealers in accordance with their arbitration procedures.

Ownership

The Site, each of its components, and the content, programs and materials provided thereby, are the copyrighted property of Credo, TorchMark, the appropriate TorchMark affiliate or its affiliated entities. None of the content, programs, materials or data found on the Site may be modified, reproduced, republished, distributed, sold, or transferred without the express written consent of Credo, TorchMark, the appropriate TorchMark affiliate or the applicable third-party provider. The tradeMarks and service Marks ("Marks") displayed on this Site are the property of TorchMark unless specifically indicated otherwise. Users are prohibited from using any Mark without the prior written consent of TorchMark or the TorchMark affiliate owning the Mark. Nothing contained on this Site is intended or should be construed to grant by implication, estoppel, or otherwise, any license to use any of the Marks without the express written consent of TorchMark or the TorchMark affiliate owning the Mark.

Use

This Site, each of its components, and the content, programs, materials and information on the Site are intended for your personal use. You are prohibited from using them for commercial purposes without our prior written consent. This Site, and the content provided on this Site, may not be copied, reproduced, republished, uploaded, posted, transmitted or distributed without the prior written consent of Credo. Unauthorized use of this Site or the materials contained on this Site may violate applicable intellectual property or other laws. You are prohibited from posting on or transmitting to or through the Site any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability or otherwise violate any law.

Privacy

Please see our Privacy Statement regarding our collection, retention and use of information.

Age and Responsibility

You represent that you are of legal age and competency to use this Site and to create binding legal obligations for any liability you incur as a result of using this Site. You understand and acknowledge that you are financially and otherwise responsible for any use of this Site by you and anyone using your login information.

Investment and Insurance Information

Information available through this site is not intended to be used as the sole basis for any investment or insurance decision, nor should it be construed as advice designed to meet the particular needs of an individual purchaser of insurance. Please seek the advice of a financial or other professional, as appropriate, regarding the evaluation of any specific information, opinion, advice, or other content.

Exclusion of Warranty

CREDO, TORCHMARK, ITS AFFILIATED ENTITIES AND APPLICABLE THIRD-PARTY PROVIDERS MAKE NO WARRANTIES OF ANY KIND REGARDING THIS SITE OR THE CONTENT, PROGRAMS OR MATERIAL PROVIDED ON THIS SITE, ALL OF WHICH ARE PROVIDED ON AN "AS IS" BASIS. CREDO, TORCHMARK, ITS AFFILIATED ENTITIES AND APPLICABLE THIRD-PARTY PROVIDERS DO NOT WARRANT THE ACCURACY, COMPLETENESS, CURRENCY, RELIABILITY OR AVAILABILITY OF ANY OF THE CONTENT, PROGRAMS, MATERIAL OR DATA FOUND ON THIS SITE AND SUCH PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS, INCLUDING IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, AND ANY SUCH WARRANTIES OR CONDITIONS ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING EXCLUSION AND DISCLAIMER MAY NOT APPLY TO YOU.

Limitation of Liability

CREDO, TORCHMARK, ITS AFFILIATED ENTITIES, AND THIRD-PARTY PROVIDERS, WILL NOT BE RESPONSIBLE, AND WILL NOT BE LIABLE, FOR ANY DAMAGES TO YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ARISING FROM YOUR USE OF, BROWSING IN OR DOWNLOADING OF ANY CONTENT, PROGRAMS, MATERIALS, DATA, TEXT, IMAGES, AUDIO OR VIDEO FROM THE SITE. IN NO EVENT WILL CREDO, TORCHMARK, AFFILIATED ENTITIES OR APPLICABLE THIRD-PARTY PROVIDERS BE LIABLE FOR ANY INJURY, LOSS, DAMAGE OR CLAIM, OR ANY SPECIAL, EXEMPLARY, PUNITIVE, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, LOST PROFITS OR SAVINGS), WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, ARISING FROM OR IN ANY WAY CONNECTED WITH (A) ANY USE OF THIS SITE, OR CONTENT, PROGRAMS OR MATERIALS PROVIDED THROUGH THIS SITE, (B) ANY FAILURE, DELAY, OR UNAVAILABILITY (INCLUDING, BUT NOT LIMITED TO THE USE OF OR INABILITY TO USE OR ACCESS ANY CONTENT, PROGRAMS, MATERIAL OR DATA PROVIDED ON THE SITE), (C) THE PERFORMANCE OR NON-PERFORMANCE OF CREDO, TORCHMARK, ITS AFFILIATED ENTITIES OR APPLICABLE THIRD-PARTY PROVIDERS, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES TO SUCH PARTIES OR ANY OTHER PARTY, (D) YOUR DISCLOSURE OF YOUR PASSWORD TO, OR USE OF YOUR PASSWORD BY, ANY THIRD PARTY, OR (E) ANY ACCESS TO, OR USE OF, YOUR INFORMATION BY AN UNAUTHORIZED PERSON OR UNAUTHORIZED PERSONS. SOME STATES DO NOT ALLOW LIMITATION OF LIABILITY, SO THE FOREGOING LIMITATION MAY NOT APPLY TO YOU.

Links to Other Sites

This Site contains links to other Web sites which are provided as a convenience to you and not as an endorsement by Credo, Torchmark, its affiliates or third-party providers of the contents of such Web sites. Credo, Torchmark, its affiliates and third-party providers will not be responsible for the content of any other Web site and make no representation or warranty regarding any other Web site or the contents or materials on such sites. If you decide to access other Web sites, you do so at your own risk.

Indemnification

You will indemnify and hold harmless Credo, Torchmark, its affiliated entities, any third-party providers, and their respective officers, directors, employees and agents from and against any claim, damages, cause of action or demand, including, but not limited to, reasonable legal, accounting and other professional fees, brought by or on your behalf or by third parties as a result of your use of the Site, or any content, programs or materials provided through the Site.

Modification

Credo may at any time modify these terms and conditions in whole or in part and your continued use of the Site, or any content, programs or materials provided through the Site, will be subject in all respects to the terms and conditions in force at the time of such use.

Assignment

You may not assign, convey, subcontract or delegate your rights, duties or obligations hereunder. Credo may, at any time, assign, convey, transfer, delegate or subcontract any or all of its rights or obligations without prior notice.

Severability

These terms and conditions will be deemed severable so that if any provision is determined to be unenforceable or invalid, such provision will nonetheless be enforced to the fullest extent permitted by applicable law, and such determination will not affect the validity or enforceability of any other remaining provision.

Headings

The headings used in these terms and conditions are included for convenience only and will not limit or affect in any way these terms and conditions.

Entire Agreement

These terms and conditions, together with those incorporated or referred to herein, constitute the entire agreement between us relating to the subject matter hereof, and supersedes any prior understandings or agreements (whether oral or written) regarding the subject matter, and may not be amended or modified except in writing or by making such amendments or modifications available on this Site.

You are encouraged to visit these Terms and Conditions and our Privacy Statement from time to time to review any updates and changes.

Choice of Law

These Terms and Conditions will be governed by and construed in accordance with the laws of the State of New Jersey, without giving effect to its conflict of laws, provisions or your actual state or country of residence.

Contact Information
The Credo Group, available Monday through Friday, 9 AM through 5:00 PM Eastern Standard Time. You may reach us at:

The Credo Group, Inc.
700 Veterans Circle
Suite 300
Warminster, PA 18974
Phone: 267.803.1300
Fax: 267.803.4737
e-mail: info@thecredogroup.com