"North American Companies herein referred to as North American."

Conditions of Use
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By using our site, you signify your assent to the following conditions of use without limitation or qualification. Please read these conditions before using this site. North American may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.

Disclaimer
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All materials on www.partnerwithna.com,  www.nacolah.com, and www.producersinfonet.com are provided "as is" and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties or merchantability and fitness for a particular purpose. North American does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this web site or the server that makes it available are free of viruses or other harmful components. North American does not warrant or make any representations regarding the use or the results of the use of the materials on this web site in terms of their correctness, accuracy, reliability, or otherwise. You, not North American, assume the entire cost of all necessary servicing, repair, or correction.

Links to other sites can be accessed through this home page. Such external Internet addresses contain information created, published, maintained otherwise posted by organizations independent of North American. North American does not endorse, approve or certify any information, product or service referenced or provided at such addresses.

Limitation of Liability
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While North American uses reasonable efforts to include accurate and up-to-date information on this web site, errors or omissions may occur. North American makes no warranties or representations as to the accuracy of this web site. Under no circumstances including, but not limited to, negligence by act or omission, shall North American nor any party involved in creating, producing, or delivering the web site be liable for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this web site, even if North American or a North American authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall North American's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this web site.

Restrictions on Material Use
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This site is owned and operated by North American. Permission is granted to display and navigate around this web site with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this web site or any portion hereof is strictly prohibited.

Except as otherwise permitted by North American, no materials from www.partnerwithna.com,  www.nacolah.com, and www.producersinfonet.com or any web site owned, operated, licensed or controlled by North American may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this web site for non-commercial, personal use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this web site for public or commercial purposes, including the text, images, audio, and video, without North American's written permission.

North American neither warrants nor represents that your use of materials displayed on this web site will not infringe rights of third parties not owned by or affiliated with North American.

Jurisdictional Issues
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North American Company for Life and Health Insurance is domiciled in Iowa, with our principle office located at: 4601 Westown Parkway, Suite 300, West Des Moines, IA 50266. Our California Certificate of Authority (COA) number is 2717.  Our Massachusetts Certificate of Authority (COA) number is 000502432000.

This web site is controlled and operated by North American from its offices within the State of Illinois, United States of America. North American makes no representation that materials on www.partnerwithna.com, www.nacolah.com, and www.producersinfonet.com are appropriate or available for use in other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.

The information contained on this web site is not an offer to sell or a solicitation to buy any insurance product. No insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance laws of such jurisdiction. Some products may not be available in all states.

Trademarks / Service Marks & Copyrights
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Images displayed on this web site are either the property of, or used with permission by North American. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of these images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

All trademarks, service marks, trade names, logos, and icons used by North American are proprietary to North American. Nothing contained on the web site should be construed as granting by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this web site without the written permission of North American or such third party that may own the trademarks or service marks displayed on this web site. Your use of the trademarks or service marks displayed on this web site, or any other content on this web site, expect as provided herein, is strictly prohibited.

Questions concerning use of North American's trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property should be addressed to: North American Company for Life and Health Insurance, Law Department, 525 W. Van Buren, Chicago, Illinois 60607, United States of America.

Any communications or materials you transmit to this web site by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as nonconfidential and nonproprietary and will become the property of North American or its affiliates. Such communications or material shall be used for any purpose, including, but not limited to, preproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, North American is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this web site for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Trademarks / Service Mark Notices
North American, the "map" and all other trademarks, service marks, trade names and logos used by North American or its subsidiaries and affiliates are registered trademarks or service marks of North American and/or its subsidiaries and affiliates.

Use of these marks must be with our permission. We will file appropriate legal actions to stop the unauthorized use of these marks.