Site and Mobile App Content - General Information, Not an Offer
The information contained in the Services, including any links to other websites, is intended to provide our customers with general information regarding insurance. The Services are provided for information purposes only and do not constitute an offer to sell or a solicitation of an offer to buy any referenced insurance product. The information provided on the Services is for personal, non-commercial use. Reference to an insurance product included anywhere in the Services is not a recommendation to buy, sell, or hold that, or any other insurance product. We do not represent that the insurance products described on the Services are suitable for any specific client. You are advised not to rely on any information contained on the Services in the process of making a fully informed insurance decision.
Not Legal or Tax Advice
We are not providing specific insurance advice to any individual viewing the content of the Services. The information on the Services is not intended, and should not be construed, as legal or tax advice.
Accessing Your Account(s)/Security
Certain parts of the Services may be protected by passwords or require a login. For authentication purposes, certain features on the Services may require you to answer a designated security question. You agree to provide true, accurate, and complete information as prompted by the Services' registration processes and agree to regularly update this information to maintain its completeness and accuracy. You agree not to obtain or attempt to obtain unauthorized access to such parts of or features on the Services, or to any other protected Services information, through any means not intentionally made available to you.
You are responsible for maintaining the confidentiality of any account information, usernames, logins, passwords, and security questions and answers that you use to access any page or feature of the Services, and for logging off of your account and any protected areas of the Services. You are fully responsible for all activities occurring under your accounts, user names, logins, passwords, and security questions and answers that result from your negligence, carelessness, misconduct, or failure to use or maintain reasonable security measures.
If you become aware of any suspicious or unauthorized conduct concerning your policies, accounts, usernames, logins, passwords, security questions, and answers, or of any other breach of security, you agree to contact us immediately. We will not be liable for any loss or damage arising from your failure to comply with the above conditions.
Granting Access to Information about Your Policies and Accounts
You may use the Services to authorize another Wysh customer to see information about your policies and accounts when that other client logs into the Services using his own log-in credentials (such person is referred to as "authorized viewer").
If you grant such access, you understand and agree that the authorized viewer is not authorized to make or request any changes in connection with your policies and accounts, including without limitation, to enter into or request any transaction on any of your policies or accounts or to add, delete, or change any of your profile information or policy or account options. You understand and agree that once you have authorized access to information about your policy(s) and/or account(s) as referenced above, such access by the authorized viewer will continue without further notice to you until you revoke such authorization electronically on the Services. You understand that the authorized viewer may cause your information to be re-disclosed. You understand that you can revoke this authorization at any time. You acknowledge that the authority you have granted to the authorized viewer shall remain in effect until we receive notice of revocation of your authorization and we have had a reasonable amount of time to act upon such notice.
You hereby agree to indemnify and hold Wysh Life and Health Insurance Company and its subsidiaries and affiliates, and their officers, directors, trustees, policy owners, attorneys, insurers, independent contractors, principals, agents, financial representatives, servants, representatives, employees, subsidiaries, affiliates and partners, together with their predecessors and successors in interest, assigns and heirs, harmless from any liability and/or damages resulting from providing to any authorized viewer any information as selected and authorized by you.
YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES (INCLUDING THE SITE AND THE MOBILE APP) IS ENTIRELY AT YOUR OWN RISK. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WYSH AND OTHER PROVIDERS OF MATERIALS ON THIS SITE DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE SERVICE, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, DATA LOSS, NONINFRINGEMENT, OR THE ACCURACY, COMPLETENESS, RELIABILITY, QUALITY, TIMELINESS, OR CONTENT OF THE SERVICES. WYSH AND OTHER PROVIDERS OF MATERIALS ON THE SERVICES DO NOT WARRANT THAT THE SERVICES ARE SECURE, WILL MEET YOUR REQUIREMENTS, OR ARE FREE FROM BUGS, VIRUSES, INTERRUPTION, ERRORS, THEFT, OR DESTRUCTION.
FURTHER, WYSH AND OTHER PROVIDERS OF MATERIALS ON THE SERVICES EXPRESSLY DISCLAIM ALL WARRANTIES WITH RESPECT TO ANY DELAYS OR ERRORS IN THE TRANSMISSION OR DELIVERY OF ANY MATERIALS, PRODUCTS OR SERVICES AVAILABLE THROUGH THE SERVICES.
RELIANCE ON ANY DATA OR OTHER INFORMATION OBTAINED FROM THE SERVICES IS STRICTLY AT YOUR OWN RISK. YOU UNDERSTAND, AGREE, AND ACKNOWLEDGE THAT: (I) YOUR USE OF THE SERVICES DOES NOT RELIEVE YOU OF RESPONSIBILITY FOR COMPLIANCE WITH APPLICABLE LAWS, RULES AND REGULATIONS WHILE USING THE SERVICES; (II) YOU WILL NEITHER INQUIRE NOR RELY UPON COMPANY OR THE SERVICES FOR ANY TAX, LEGAL OR OTHER PROFESSIONAL OR EXPERT ADVICE OF ANY KIND; AND (III) YOU ARE FULLY AND SOLELY RESPONSIBLE FOR: (A) SELECTION OF ADEQUATE AND APPROPRIATE SERVICES AND INFORMATION TO SATISFY YOUR BUSINESS NEEDS AND ACHIEVE YOUR INTENDED RESULTS; (B) USE OF THE SERVICES AND INFORMATION OBTAINED THROUGH THE SERVICES; (C) ALL CONTENT, RESULTS, AND OTHER INFORMATION OBTAINED FROM THE SERVICES; (D) SELECTING, OBTAINING AND MAINTAINING ALL HARDWARE, SOFTWARE, COMPUTER CAPACITY, INTERNET SERVICE, PROGRAM AND SYSTEM RESOURCES AND OTHER EQUIPMENT AND UTILITIES NEEDED FOR ACCESS TO AND USE OF THE SERVICES, AND FOR ALL COSTS ASSOCIATED THEREWITH; AND (E) SELECTION, USE OF, AND RESULTS OBTAINED FROM ANY OTHER PROGRAMS, APPLICATIONS, COMPUTER EQUIPMENT OR SERVICES USED WITH THE SERVICES.
Limitation of Liability and Indemnity
Copyright Information, Site Ownership, and Restrictions on Use
The material provided on the Services, including graphic images, buttons, and text, may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without our prior written permission, except that you may download, display, or print the materials on any single computer solely for your personal, non-commercial, home use, provided that you keep intact all copyright, trademark, and other proprietary notices. Modification of the materials or use of the materials for any other purpose is a violation of copyright(s) and other proprietary rights. Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise, any license or right under any copyright, patent, trademark, or other proprietary interest of the material providers.
All non-Wysh trademarks, service marks, trade names, product names, company names or logos mentioned or shown on the Services are the property of their respective owners. Reference to any products, services, processes, or other information, by trademark, service mark, trade name, product name, company name, logo, or otherwise does not constitute or imply our endorsement, sponsorship, or recommendation thereof.
Minors' Use of Services Prohibited
The Services are directed at adults. By registering for the Services, you represent that you are 18 years of age or older. No one under age 18 is allowed to use, or provide any personal information through, the Services.
Wysh's Online Privacy Statement, which discloses the privacy practices for this website, is available via the link below: https://www.wysh.com/l/online-privacy
Wysh’s Customer Privacy Notice is available via the link below: https://www.wysh.com/l/privacy-notice
Modification and Termination
If a court of competent jurisdiction deems any provision unenforceable, that provision will be enforced to the maximum extent possible, and the remaining provisions will remain in full force and effect.
Wysh is a registered trademark of Wysh Life and Health Insurance Company. Wysh is the marketing name for Wysh Life and Health Insurance Company, Milwaukee, WI (life and health insurance), customer service 1-844-WYSH-HLP (1-844-997-4457).
The products and services referenced are offered and sold only by appropriately appointed and licensed entities and representatives of such entities. For general information, please visit us at https://www.wysh.com.
The following terms and conditions also apply to your use of the Savings+ feature of the Services.
Description of Savings+
Linked Accounts Feature
The following terms and conditions also apply to your use of the Linked Accounts feature of the Services.
Description of the Linked Accounts Feature
The Linked Accounts feature of the Services is a personal information management service ("Linked Accounts Service") offered at no cost that enables you to view information about your Wysh insurance policies, along with information about your policies and accounts held at other financial institutions. Wysh may retain one or more independent service providers ("Service Provider") to provide the Linked Accounts Service or any portion of the Linked Accounts Service.
If you have linked accounts held at other financial institutions to your Wysh online account using the Linked Accounts Service, they are not held by Wysh nor are they reflected on the books and records of Wysh. The values shown for such accounts have been obtained from another financial institution and have not been audited or verified. Questions or instructions regarding those accounts should be directed to the financial institutions at which they are held.
Provide Accurate Information
You agree to provide true, accurate, current, and complete information about yourself and your policies and accounts maintained at other financial institutions and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate. You agree not to obtain or attempt to obtain unauthorized access to such parts of or features on this Site or the Mobile App, or to any other protected Site or Mobile App information, through any means not intentionally made available to you.
You are permitted to use content delivered to you through the Linked Accounts Service only on the Linked Accounts Service. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the service technology, including but not limited to, any Java applets associated with the Linked Accounts Service.
Content You Provide
You are licensing to Company and its Service Provider any information, data, passwords, user names, PINS, personally identifiable information, materials or other content (collectively “Content”) you provide through or to the Linked Accounts Service. You authorize us or our Service Provider to use any Content you provide through or to the Linked Accounts Service or that we or our Service Provider retrieve on your behalf for purposes of providing the Linked Accounts Service, to offer products or services, and for other permissible Wysh business purposes. Except as otherwise provided herein, we or our Service Provider may store, use, change, or display such Content or create new content using such Content. By submitting Content, you agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, Company and Service Provider may use the Content for the purposes set out above.
Power of Attorney
By using the Linked Accounts Service, you authorize Company and Service Provider to access information at third party sites on your behalf. For all purposes hereof, you hereby grant Company and Service Provider a limited power of attorney, and you hereby appoint Company and Service Provider as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place, and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN COMPANY OR SERVICE PROVIDER ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES, COMPANY AND SERVICE PROVIDER ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency, and power of attorney granted by you. You understand and agree that the Linked Accounts Service is not endorsed or sponsored by any third-party account providers accessible through the Linked Accounts Service.
Non-Wysh Site Access and Accounts
With respect to any third party sites we may enable you to access through the Linked Accounts Service or with respect to any non-Wysh accounts you include in the Linked Accounts Service, you agree to the following:
- Any links to third party sites that we may provide are for your convenience only, and Wysh does not sponsor or endorse those sites. Any third-party services, which you may be able to access through the Linked Accounts Service, are services of the listed institutions. We have no responsibility for any transactions and inquiries you initiate at third party sites. The third-party sites you select are solely responsible for their service to you. We are not liable for any damages or costs of any type arising out of or in any way connected with your use of the services of such third-party sites.
Wysh will protect and share your information as described in the Wysh Customer Privacy Notice.
- For your security, when you provide login credentials for non-Wysh accounts, this login information is encrypted and is not readable by Wysh or its Service Provider.
- Non-Wysh account information may be used by Wysh to provide the Linked Accounts Service, to offer products and services, for marketing and for other permissible business purposes.
- You can delete a non-Wysh account from the Linked Accounts Service at any time. Such deletion will not affect information or content retrieved prior to that deletion.
You agree not to use the Linked Accounts Service or the content or information delivered through the Linked Accounts Service in any way that would: (a) be fraudulent or involve the sale of counterfeit or stolen items, including but not limited to use of the Linked Accounts Service to impersonate another person or entity; (b) violate any law, statute, ordinance, or regulation (including without limitation those governing export control, consumer protection, unfair competition, anti-discrimination, or false advertising); (c) create liability for Wysh or cause us to lose the services of our Service Provider; (d) access the information and content programmatically by macro or other automated means; or (e) use the Linked Accounts Service in such a manner as to gain unauthorized entry or access to computer systems.
Disclaimer of Warranties
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
YOUR USE OF THE LINKED ACCOUNTS SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE LINKED ACCOUNTS SERVICE IS AT YOUR SOLE RISK. THE LINKED ACCOUNTS SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. COMPANY AND SERVICE PROVIDER EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE LINKED ACCOUNTS SERVICE AND ALL INFORMATION, PRODUCTS, AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE LINKED ACCOUNTS SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT.
COMPANY AND SERVICE PROVIDER MAKE NO WARRANTY THAT (I) THE LINKED ACCOUNTS SERVICE WILL MEET YOUR REQUIREMENTS, (II) THE LINKED ACCOUNTS SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (III) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE LINKED ACCOUNTS SERVICE WILL BE ACCURATE OR RELIABLE, (IV) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE LINKED ACCOUNTS SERVICE WILL MEET YOUR EXPECTATIONS, OR (V) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED.
ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE LINKED ACCOUNTS SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM COMPANY OR SERVICE PROVIDER THROUGH OR FROM THE LINKED ACCOUNTS SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
You agree to protect and fully compensate Company and Service Provider and their employees, agents and affiliates from any and all third-party claims, liability, damages, expenses, and costs (including, but not limited to, reasonable attorney's fees) caused by or arising from your use of the Linked Accounts Service. You agree that Service Provider is a third-party beneficiary of the above provisions, with all rights to enforce such provisions as if Service Provider were a party to this Agreement.
Wysh Mobile App Terms and Conditions
Access to your information may be available through a compatible mobile device, Internet and/or network access and may require software. You agree that you are solely responsible for these requirements, including any applicable changes, updates, and fees as well as the terms of your agreement with your mobile device and telecommunications provider. WYSH MAKES NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS, STATUTORY OR IMPLIED AS TO: (i) THE AVAILABILITY OF TELECOMMUNICATION SERVICES FROM YOUR PROVIDER AND ACCESS TO THE SERVICES AT ANY TIME OR FROM ANY LOCATION; (ii) ANY LOSS, DAMAGE, OR OTHER SECURITY INTRUSION OF THE TELECOMMUNICATION SERVICES; AND (iii) ANY DISCLOSURE OF INFORMATION TO THIRD PARTIES OR FAILURE TO TRANSMIT ANY DATA, COMMUNICATIONS, OR SETTINGS CONNECTED WITH THE SERVICES.
The license you have been granted herein is limited to a non-transferable license to use the Mobile App on any compatible device that you own or control, as permitted by the Usage Rules set forth in the App Store Terms of Service. In addition, you agree to comply with the terms of any third-party agreement that is applicable to you when using the Mobile App, such as your wireless data service agreement.
You hereby represent and warrant (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
App Store is a service mark of Apple Inc.