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Information about all aspects of finances affected by a serious health condition. Includes income sources such as work, investments, and private and government disability programs, and expenses such as medical bills, and how to deal with financial problems.
Information about all aspects of health care from choosing a doctor and treatment, staying safe in a hospital, to end of life care. Includes how to obtain, choose and maximize health insurance policies.
Answers to your practical questions such as how to travel safely despite your health condition, how to avoid getting infected by a pet, and what to say or not say to an insurance company.

Summary

Following are the terms and conditions for use of the website SurvivorshipAtoZ.org (Site.) Please read them carefully. If you have questions about the meaning of any provisions, please contact your attorney. If you do not agree with all of the terms and provisions, please do not use this Site.

Survivorship A to Z, Inc. reserves the right to change the terms and conditions, and/or our policies, at any time and without notice to you. Changes will be posted in this section. They will govern use of the Site from and after the date such changes are posted. We recommend that you review the Terms and Conditions of Use each time you return to this website.

Use of this Website constitutes your acceptance of all of the following terms and conditions, in their current form or as modified.

USE OF CONTENT

All material included on this Site, including without limitation, text, graphics, images, computer programs, data, designs, logos and button icons, and the arrangement, collection and assembly of the same is referred to as Content.

Survivorship A to Z, Inc. authorizes you (the "User") to view or download a single copy of the material on the Site solely for your personal, noncommercial use if you include the following copyright notice: "© Survivorship A to Z, Inc. 2010, All rights reserved" and other copyright and proprietary rights notices that are contained in the Content.

Any special rules for the use of certain software and other items accessible on the Site, as they may change from time to time, may be included elsewhere within the Site and are incorporated into these Terms and Conditions by reference.

The Content is protected by copyright under both United States and foreign laws. Title to the Content remains with Survivorship A to Z, Inc. or its licensors or contributors, or in the case of material from the United States Government, with the government.

Any use of the Content not expressly permitted by these Terms and Conditions is a breach of these Terms and Conditions and may violate copyright, trademark, and other laws.

Content and features are subject to change or termination without notice.

All rights not expressly granted herein are reserved to Survivorship A to Z, Inc. and its licensors.

If you violate any of these Terms and Conditions, your permission to use the Content automatically terminates and you must immediately destroy any copies you have made of any portion of the Content.

THE SITE DOES NOT PROVIDE FINANCIAL ADVICE

Although the Site contains financial recommendations and comments, Survivorship A to Z, Inc. does not provide financial or investment advice through the Site and does not represent that any recommendations or comments are suitable for you, including but not limited to those contained in the Survivorship A to Z Personalized Guide. Although the Guide corresponds to your answers to questions, it does not substitute for face-to-face advice about your particular situation.

You agree to make your own independent evaluation of the financial and investment information and recommendations throughout the Site.

The accuracy, completeness or timeliness of such Information cannot be guaranteed and is subject to change without notice. Survivorship A to Z, Inc. is not under an obligation to update the Information to reflect circumstances that may occur. You acknowledge that none of the Information will be used by you as tax advice.

Users of the Site should be cautious about any and all financial recommendations and should consider the source of any advice on their financial situation. Various factors may influence or factor into an expert's financial analysis or opinion.

All users are advised to conduct their own independent research into individual options before making a financial decision.

THE SITE DOES NOT PROVIDE LEGAL ADVICE

You should consult with a lawyer regarding your specific legal situation.

The materials and articles included on the Site and all of its pages and sub pages are intended to be for general information only and are not provided in the course of an attorney-client relationship nor do they constitute legal advice.

The information provided on this website by Survivorship A to Z, Inc. is provided as educational content and not as legal advice.  Every matter is different. The content presented on these pages may not be applicable to your particular situation.

By accessing the Site, you acknowledge that none of the content on this Site will be used by you as legal advice.

THE SITE DOES NOT PROVIDE MEDICAL ADVICE

The contents of the Site, such as text, graphics, images, and other material contained on the Site ("Content") are for informational purposes only. The Content is not intended to be a substitute for professional medical advice, diagnosis, or treatment.

Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition.

Never disregard professional medical advice or delay in seeking it because of something you have read on the Site.

If you think you may have a medical emergency, call your doctor or 911 immediately. Survivorship A to Z, Inc. does not recommend or endorse any specific tests, physicians, products, procedures, opinions, or other information that may be mentioned on the Site. Reliance on any information provided by Survivorship A to Z, Inc., employees, others appearing on the Site at the invitation of Survivorship A to Z, Inc. or other visitors to the Site is solely at your own risk.

PASSWORDS AND INFORMATION YOU SUPPLY

The Site has several tools that allow you to record and store information, including a password. You are responsible for taking all reasonable steps to ensure that no unauthorized person shall have access to your passwords or accounts. It is your sole responsibility to:

  • Control the dissemination and use of activation codes and passwords.
  • Authorize, monitor, and control access to and use of your SAZ account and password.
  • Promptly inform Survivorship A to Z, Inc. of any need to deactivate a password.

You are fully responsible for all activities that occur under your member name or password. You agree to immediately notify Survivorship A to Z, Inc. if you believe that any unauthorized use of your member name or password, or any other breach of security has occurred.

You grant Survivorship A to Z, Inc. and all other persons or entities involved in the operation of the Site the right to transmit, monitor, retrieve, store, and use your information in connection with the operation of the Site.

Survivorship A to Z, Inc. cannot and does not assume any responsibility or liability for any information you submit, including but not limited to personal information such as your Social Security Number, medical condition, medications, treatments, financial information, legal information, and/or social information.

Survivorship A to Z, Inc. cannot and does not assume any responsibliity or liability for your or third parties' use or misuse of information transmitted or received using Survivorship A to Z, Inc. tools and services.

USER SUBMISSIONS

The personal information you submit to Survivorship A to Z, Inc. is governed by the Site's Privacy Policy. To the extent there is an inconsistency between this Agreement and the Privacy Policy, this Agreement shall govern.

You agree that you will not upload or transmit any communications or content of any type to the Public Areas (including message boards, Ask Our Expert postings, etc.) that infringe or violate any rights of any party. By submitting communications or content to the Public Areas, you agree that such submission is non-confidential for all purposes.

If you make any such submission you agree that you will not send or transmit to Survivorship A to Z, Inc. by email, (including through the email addresses listed on the "Contact Us" link) any communication or content that infringes or violates any rights of any party. If you submit any business information, idea, concept or invention to Survivorship A to Z, Inc. by email, you agree such submission is non-confidential for all purposes.

If you make any submission to a Public Area (including but not limited to message boards, groups, personal home pages, polls and contests) or if you submit any business information, idea, concept or invention to Survivorship A to Z, Inc. by email, you automatically grant-or warrant that the owner of such content or intellectual property has expressly granted- a royalty-free, perpetual, irrevocable, world-wide nonexclusive license to use, reproduce, create derivative works from, modify, publish, edit, translate, distribute, perform, and display the communication or content in any media or medium, or any form, format, or forum now known or hereafter developed. Survivorship A to Z, Inc. may sublicense its rights through multiple tiers of sublicenses. If you wish to keep any business information, ideas, concepts or inventions private or proprietary, do not submit them to the Public Areas or to Survivorship A to Z, Inc. by email. We try to answer every email in a timely manner, but are not always able to do so.

ADVERTISEMENTS, SEARCHES AND LINKS TO OTHER SITES

The Site may:

  • Provide links to third-party web sites.
  • Contain advertisements.
  • Select certain sites as priority responses to search terms you enter and may agree to allow advertisers to respond to certain search terms with advertisements or sponsored content.

Survivorship A to Z, Inc. does not endorse or recommend:

  • Any product advertised on the Site.
  • The content on any third-party websites.
  • Goods or services described on any third-party websites.

Survivorship A to Z, Inc. is not responsible for the content of linked third-party sites, sites framed within the Site, third-party sites provided as search results, or third-party advertisements, and does not make any representations regarding their content or accuracy.

Your use of third-party websites is at your own risk and subject to the terms and conditions of use for such sites.

LIABILITY OF SURVIVORSHIP A TO Z, INC. AND ITS LICENSORS

The use of the Site and the Content is at your own risk.

When using the Site, information will be transmitted over a medium that may be beyond the control and jurisdiction of Survivorship A to Z, Inc. and its suppliers. Accordingly, Survivorship A to Z, Inc. assumes no liability for or relating to the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Site.

The Site and the Content are provided on an "as is" basis.

SURVIVORSHIP A TO Z, INC., ITS LICENSORS, AND ITS SUPPLIERS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES' RIGHTS, AND FITNESS FOR PARTICULAR PURPOSE. Without limiting the foregoing, Survivorship A to Z, Inc., its licensors, and its suppliers make no representations or warranties about the accuracy, reliability, completeness, currentness, or timeliness of the Content, software, text, graphics, links, or communications provided on or through the use of the Site.

In no event shall Survivorship A to Z, Inc., its licensors, its suppliers, or any third parties mentioned on the Site be liable for any damages (including, without limitation, incidental and consequential damages, personal injury/wrongful death, lost profits, or damages resulting from lost data or business interruption) resulting from the use of or inability to use the Site or the Content, whether based on warranty, contract, tort, or any other legal theory, and whether or not Survivorship A to Z, Inc., its licensors, its suppliers, or any third parties mentioned on the Site are advised of the possibility of such damages. If, the foregoing to the contrary notwithstanding, Survivorship A to Z, Inc., its licensors, its suppliers, or any third parties mentioned on the Site shall be liable is liable for any damages, for any reason relating to the content in, or omissions from, the Site, damages shall be limited only to the extent of actual damages incurred by you, not to exceed U.S. $1,000.

Survivorship A to Z, Inc., its licensors, its suppliers, or any third parties mentioned on the Site are not liable for any personal injury, including death, caused by your use or misuse of the Site, Content, or Public Areas (as defined below.)

Any claims arising in connection with your use of the Site, any Content, or the Public Areas must be brought within one (1) year of the date of the event giving rise to such action occurred.

Remedies under these Terms and Conditions are exclusive and are limited to those expressly provided for in these Terms and Conditions.

USE OF LIVE AND USER TO USER AREAS

A Public Area is any part of the Site in which members of the public communicate with other members of the public, such as a chat room, bulletin board, or community Ask Our Expert or similar posting or other member or public community.

You are solely responsible for your own communications, the consequences of posting those communications, and your reliance on any communications found in the Public Areas. Survivorship A to Z, Inc. and its licensors are not responsible for the consequences of any communications in the Public Areas. In cases where you feel threatened or believe someone else is in danger, you should contact your local law enforcement agency immediately. If you think you may have a medical emergency, call your doctor or 911 immediately.

In consideration of being allowed to use the Public Areas, you agree that the following actions shall constitute a material breach of these Terms and Conditions:

  • Using a Public Area for any purpose in violation of local, state, national, or international laws.
  • Posting material that infringes on the intellectual property rights of others or on the privacy or publicity rights of others.
  • Posting material that is unlawful, obscene, defamatory, threatening, harassing, abusive, slanderous, hateful, or embarrassing to any other person or entity as determined by Survivorship A to Z, Inc. in its sole discretion.
  • Posting advertisements or solicitations of business.
  • After receiving a warning, continuing to disrupt the normal flow of dialogue, or posting comments that are not related to the topic being discussed (unless it is clear the discussion is free-form).
  • Posting chain letters or pyramid schemes.
  • Impersonating another person.
  • Distributing viruses or other harmful computer code.
  • Harvesting or otherwise collecting information about others, including email addresses without their prior written consent.
  • Allowing any other person or entity to use your identification for posting or viewing comments.
  • Posting the same note more than once or "spamming." Or
  • Engaging in any other conduct that restricts or inhibits any other person from using or enjoying the Public Area or the Site, or which, in the judgment of Survivorship A to Z, Inc. exposes the corporation or any of its customers or suppliers to any liability or detriment of any type.

Survivorship A to Z, Inc. reserves the right (but is not obligated) to do any or all of the following:

  • Record the dialogue in public chat rooms.
  • Investigate an allegation that a communication(s) do(es) not conform to the terms of this section and determine in its sole discretion to remove or request the removal of the communication(s).
  • Remove communications which are abusive, illegal, or disruptive, or that otherwise fail to conform with these Terms and Conditions.
  • Terminate a user's access to any or all Public Areas and/or the Site upon any breach of these Terms and Conditions.
  • Monitor, edit, or disclose any communication in the Public Areas.
  • Edit or delete any communication(s) posted on the Site, regardless of whether such communication(s) violate these standards.

Survivorship A to Z, Inc. or its licensors have no liability or responsibility to users of the Site or any other person or entity for performance or nonperformance of the aforementioned activities.

PERSONAL HOME PAGES

Personal home pages are considered member content, and thus are subject to the same guidlines covering all other member content described in this agreement. In addition, personal home pages are subject to the following:

  • Survivorship A to Z, Inc. is not responsible for the content of any personal home page. The views expressed on personal home pages on the Site are the responsiblity of the posting member, not Survivorship A to Z, Inc.
  • Survivorship A to Z, Inc. does not preview personal home pages before they appear on the Site. Survivorship A to Z, Inc. may, at its sole discretion, remove personal home pages found to be in violation of any guidlines or for any other reason.  However, it is not obligated to do so.
  • You agree not to restrict access to any page through the use of password protection or other means.
  • You agree that Survivorship A to Z, Inc. has the right to run advertisements on your home page. These advertisements may include, but are not limited to "banner" and "pop-up" advertisements.
  • Survivorship A to Z, Inc. may establish an upper limited on the amount of computer storage capacity that is allocated to each home page.
  • Survivorship A to Z, Inc. shall have the right but not the obligation, in it's sole discretion as it may be exercised from time to time, to delete all or part of a home page that is inactive for more than ninety (90) days. Such right shall include all information you provide in any and all work sheets and/or charts.

PHOTOGRAPHS

Models used in photography are for illustrative purposes only. 

 Use of any image does not imply the person's health status.


INDEMNITY

Each user of the Site agrees to defend, indemnify and hold harmless Survivorship A to Z, Inc., its affiliates and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys' fees, arising out of the use of the Site, including but not limited to breach of any of the terms and conditions of this Agreement.

TERRITORY

Survivorship A to Z, Inc. is based in New York, New York, United States of America and makes no claim that any of the Content is appropriate for, or may be downloaded, outside of the United States.

Access to the Content may not be legal by certain persons or in certain countries.

If you access the Site from outside the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.

MONITORING

Survivorship A to Z, Inc. shall have the right, but not the obligation, to monitor the content of the Site, including chat rooms and forums, to determine compliance with this Agreement and any operating rules established by Survivorship A to Z, Inc. and to satisfy any law, regulation or authorized government request.

Survivorship A to Z, Inc. shall have the right in its sole discretion to edit, refuse to post or remove any material submitted to or posted on the Site. Without limiting the foregoing, Survivorship A to Z, Inc. shall have the right to remove any material that the corporation, in its sole discretion, finds to be in violation of the provisions hereof or otherwise objectionable.

JURISDICTION

You expressly agree that exclusive jurisdiction for any dispute with Survivorship A to Z, Inc., or in any way relating to your use of the Site, resides in the courts sitting in New York City of the State of New York or Federal Courts. Further, you agree and expressly consent to the exercise of personal jurisdiction in the courts of the State of New York or Federal Court in connection with any such dispute including any claim involving Survivorship A to Z, Inc., or its affiliates, subsidiaries, employees, contractors, officers, directors, telecommunication providers, and content providers.

These Terms and Conditions are governed by the internal substantive laws of the State of New York, without respect to its conflict of laws principles. If any provision of these Terms and Conditions is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in full force and effect. No waiver of any of these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or any other term or condition.

NOTICE AND TAKE DOWN PROCEDURES; COPYRIGHT AGENT

If you believe any materials accessible on or from the Site infringe your copyright, you may request removal of those materials (or access thereto) from this web site by contacting Donald Lefari, Esq. copyright agent (identified below) and providing the following information:

  • Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include a copy or the location (e.g., URL) of an authorized version of the work.
  • Identification of the material that you believe to be infringing and its location. Please describe the material, and provide us with its URL or any other pertinent information that will allow us to locate the material.
  • Your name, address, telephone number and (if available) e-mail address.
  • A statement that you have a good faith belief that the complained of use of the materials is not authorized by the copyright owner, its agent, or the law.
  • A statement that the information that you have supplied is accurate, and indicating that "under penalty of perjury," you are the copyright owner or are authorized to act on the copyright owner's behalf.
  • A signature or the electronic equivalent from the copyright holder or authorized representative.

You may contact Donald Lefari, Esq., Agent for copyright issues relating to this web site, as follows: donald_lefari at msn dot com or call: 212.717.6540

In an effort to protect the rights of copyright owners, Survivorship A to Z, Inc. maintains a policy for the termination, in appropriate circumstances, of Users and account holders of the Site who are repeat infringers.

TERMINATION

Either Survivorship A to Z, Inc or User may terminate this Agreement at any time. Without limiting the foregoing, Survivorship A to Z, Inc. shall have the right to immediately terminate User's Account in the event of any conduct by User which Survivorship A to Z, Inc, in its sole discretion, considers to be unacceptable, or in the event of any breach by User of this Agreement.

SURVIVE TERMINATION OF THIS AGREEMENT

The following provisions survive the expiration or termination of this Agreement for any reason whatsoever: Liability, User Submissions, Indemnity, Jurisdiction, and Complete Agreement.

COMPLETE AGREEMENT

Except as expressly provided in a particular "legal notice" on the Site, these Terms and Conditions and the Privacy Policy and Agreement constitute the entire agreement between you and Survivorship A to Z, Inc. with respect to the use of the Site, and Content.