Amret.org Web Site Terms of Use
Please read these terms of use carefully, as they may have changed since your last visit to this web site. By using this web site, you indicate your unconditional acceptance of the following terms of use.
American Retirement Assistance Corporation ("we" or "ARA") maintain this web site as a service to our senior citizens and other interested parties. Please visit us frequently, browse our pages, and download materials subject to the terms and conditions set out below.
Use of ARA's Web Site and Its Content
We may alter, suspend, or discontinue this web site in whole or in part, at any time and for any reason, without notice or cost. The web site may periodically become unavailable due to maintenance or malfunction of computer equipment or for other reasons.
No part of this web site may be reproduced or transmitted in any form, by any means, electronic or mechanical, including photocopying and recording, except that we authorize you to view, copy, download, and print posted documents (such as papers, forms FAQs) that are available on this web site, subject to the following conditions:
1. The documents may be used solely for internal informational purposes.
2. The documents may not be modified.
3. Copyright, trademark, and other proprietary notices may not be removed.
Nothing contained on this web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use this web site or any documents displayed on this web site, through the use of framing or otherwise, except: (a) as expressly permitted by these terms of use; or (b) with our prior written permission or the permission of such third party that may own the trademark or copyright of material displayed on this web site.
By using this web site, you agree to indemnify, hold harmless and defend us from any claims, damages, losses, liabilities, and all costs and expenses of defense, including but not limited to, attorneys' fees, resulting directly or indirectly from a claim by a third party that arises in connection with your use of this web site.
Intellectual Property Rights
Unless otherwise noted, all text and images contained on this web site are the property of ARA and/or its affiliates, parents, subsidiaries, or licensors, and are protected from unauthorized copying and dissemination by United States copyright law, trademark law, international conventions and other intellectual property laws.
© 2007 American Retirement Assistance Corporation. All rights reserved.
Any other product names are trademarks or registered trademarks of their respective owners.

Accuracy of Content and Future Modifications to Web Site
The information on this web site is believed to be complete and reliable; however, the information may contain typographical errors, other inadvertent errors or inaccuracies. We reserve the right to make changes to document names and content or other information without obligation to issue any notice of such changes.
Prohibited Conduct
Notwithstanding any other rights or restrictions in these Terms of Use, you may not use this web site to: (1) transmit via or through the site any information, data, text, images, files, links, or software except in connection with your authorized use of this web site or otherwise in response to specific requests for information by us; (2) introduce viruses, worms, Trojan horses and/or harmful code on the Internet; (3) obtain unauthorized access to any computer system; (4) impersonate any other person, including but not limited to, a registered user of this web site or an ARA employee; or (5) invade the privacy or violate any personal or proprietary right (including intellectual property rights) of any person or entity.
Copyright Infringement; Notice and Take Down Procedures
If you believe that any materials on this web site infringe your copyright, you may request that they be removed. This request must bear a signature (or electronic equivalent) of the copyright holder or an authorized representative and must: (1) identify the allegedly infringing materials; (2) indicate where an authorized version can be obtained; (3) provide your name and contact information; (4) state that you have a good faith belief that the materials are infringing; (5) state that the information in your claim is accurate; and (6) indicate that "under penalty of perjury" you are the lawful copyright owner or are authorized to act on the owner's behalf. Our agent for copyright issues relating to this web site is: Privacy Officer, P.O. Box 880, Millsboro, DE 19966.
Disclaimer of Warranty
All text, images, and other information on or accessible from this web site are provided "as is" without warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Specifically, but without limitation, ARA does not warrant that: (I) the information available on this web site is free of errors; (ii) the functions contained on this web site will be uninterrupted or free of errors; (iii) defects will be corrected, or (iv) this web site or the server(s) that makes it available are free of viruses or other harmful components.
Limitation of Liability
In no event shall ARA be liable to any user of the ARA web site or any other person or entity for any direct, indirect, special, incidental, consequential or exemplary damages (including, but not limited to, damages for loss of profits, loss of data or loss of use) arising out of the use or inability to use the ARA web site or any information contained thereon, whether based upon warranty, contract, tort, or otherwise, even if ARA has been advised of the possibility of such damages or losses.
Third Party Links
Our site contains links to third party links. If you leave Amret.org by linking to a third party link, you will be subject to such third party's privacy policies and procedures and this Privacy Statement will no longer apply. ARA is not responsible for the content of third party links or the use, collection or dissemination of information on such third party links.
No Implied Endorsements
In no event shall any reference to any third party or third party product or service be construed as an approval or endorsement by ARA of that third party or of any product or service provided by a third party. Likewise, a link to any non-ARA web site does not imply that we endorse or accept any responsibility for the content or use of such a web site.
Jurisdictional Issues
We make no representation that information on this web site is appropriate or available for use outside the United States. Those who choose to access this web site from outside the United States do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.
Enforcement of Terms of Use
These Terms of Use shall be governed and interpreted pursuant to the laws of the State of Delaware, United States of America, notwithstanding any principles of conflicts of law.
All disputes arising out of or relating to these Terms of Use shall be finally resolved by arbitration conducted in the English language in Georgetown, Delaware, U.S.A., by a sole, jointly appointed arbitrator, under the commercial arbitration rules of the American Arbitration Association. The parties shall bear equally the cost of the arbitration (except that the prevailing party shall be entitled to an award of reasonable attorneys' fees incurred in connection with the arbitration in such an amount as may be determined by the arbitrator). All decisions of the arbitrator shall be final and binding on both parties and enforceable in any court of competent jurisdiction. Notwithstanding the foregoing, ARA shall be entitled to seek injunctive relief, security, or other equitable remedies from the United States District Court for the District of Delaware or any other court of competent jurisdiction.
Severability
If any part of these Terms of Use is held to be unlawful, void, or unenforceable, that part will be deemed severable and shall not affect the validity and enforceability of the remaining provisions.
Entire Agreement
These Terms of Use constitute the entire agreement between the parties relating to the subject matter herein. We may, at our sole discretion and without notice, revise these terms at any time by updating this posting.
Contact Information
If you have any questions about these Terms of Use, please contact Privacy Officer, P.O. Box 880, Millsboro, DE 19966 or email info@amret.org.
Privacy Policy
American Retirement Assistance Corporation ("we" or "ARA") is committed to protecting your privacy. Therefore, we have developed policies and procedures to ensure that the information you provide to us through our web site, Amret.org, is collected and maintained in a manner that respects your privacy. This Privacy Statement explains these important policies and procedures so that you will be aware of how we collect and use the information you provide us, and how you may modify and/or delete this information.
Because your privacy is important to us, ARA does not track or collect personal information unless it is purposefully and knowingly provided to us. In other words, we do not collect your information without your knowledge.
Should you request that we contact you to provide additional information about our services, and you have provided us with personal information so that we may do so, we will not use or disclose this information outside of ARA without your consent, unless required by law.
To summarize, it is our policy: (1) not to collect your personal information without your knowledge and consent; (2) to protect the privacy of any personal information you choose to provide to us; (3) to notify you of our policies and procedures regarding your personal information; and (4) to abide by the terms of this Privacy Statement. We are dedicated to fulfilling this policy.
For further information about our privacy policies and practices, or to exercise any of your rights as described above, please contact Privacy Officer, P.O. Box 880, Millsboro, DE 19966.
Acceptance
By using the ARAMedical.com site, you signify your acceptance of this Privacy Policy. If you do not agree with the terms of the Policy, you should exit the web site.
Contact Information
If you have any questions or concerns about our Privacy Statement, or would like more information about our privacy policies and procedures, please contact Privacy Officer, P.O. Box 880, Millsboro, DE 19966.
Last Update: April 2007
© 2007 American Retirement Assistance Corporation. All rights reserved.