Consent to Electronic Transactions

Consent to Electronic Transactions Your acceptance of this Consent to Electronic Transactions is evidenced by your use of and registration with the Empowered Benefits website ("the Website"). In doing so, you further acknowledge and accept that you have read, understand, and agree to the terms and conditions of this Consent to Electronic Transactions. If you do not agree to this Consent to Electronic Transactions, do not use or register with the Website.

Please read this information carefully and print a copy and/or retain this information electronically for future reference.

This Consent to Electronic Transactions concerns your rights to consent to utilize electronic transactions and electronic records through or on the Website. It also concerns your right to consent to receiving electronic versions of certain records to which you are legally entitled and the use of electronic signatures. In order to utilize the online services and transactions offered through the Website, we need your consent. This document informs you of your rights when conducting electronic transactions and receiving electronic records.

Consent to Electronic Transactions, Signatures and Communications:

Your use of and registration with the Website evidences your consent to the use of electronic communications, electronic transactions, and electronic signatures in connection with any policies, contracts, and/or accounts agreed to or applied for through the Website, and your further consent to receive by electronic means various notices, documents, product materials and correspondence from insurance carriers, brokers, agents or third party providers operating on the Website, to the extent available and permitted by law (which may include, but not be limited to, statements, invoices, claim correspondence, contracts, explanations of benefits, and other materials that must be delivered to you as required by law) (collectively, "Communications").

Electronic Communications:

Empowered Benefits will use reasonable means to protect the security and confidentiality of information sent and received by email. However, Empowered Benefits cannot guarantee the security and confidentiality of email communications.

Email Address:

You have the sole responsibility for providing a correct and operational email address when registering with the Website. Empowered Benefits will not be liable for any undelivered email communications or any costs you incur for maintaining Internet access and an electronic mail account. You must promptly notify us of any change in your email address by contacting updating your profile within the Website.
If you do not have an email address and provide us with the email address of another person who will forward any email communications to you, you do so at your own risk. Further, if you provide an email address that is accessed by multiple users, you do so at your own risk. Empowered Benefits will not be liable for any harm related to the use by anyone else of your email address.

E-Mail, Hardware, and Software Requirements:

You are responsible for accessing, opening and reading any documents and/or electronic communications in connection with your use of and registration with the Website. You may need to make certain changes to your e-mail account so that you can receive e-mails. Please consult your e-mail provider for assistance in making these changes so that e-mail or spam filters do not prevent you from receiving incoming e-mails from the aflac.com domain. To access documents and/or communications that apply to any application for coverage through the Website, you must meet the following minimum software requirements: