Welcome to the Critical Solutions Web site ( the "Site"). By using the Site, you agree to follow and to be bound by the following terms and conditions concerning your use of the Site ("Terms of Use") and our Privacy Policy. We can revise the Terms of Use and Privacy policy at any time without notice to you.

Areas of the Site may have different terms of use posted. If there is a conflict between the Terms of Use any terms of use posted for a specific area on the Site, the latter shall have precedence with respect to your use of that area of the Site.

1. Use of Web Site Information
You may download, view, copy, and print documents and graphics incorporated in these documents (the "Documents") from the site subject to the following: (a) the Documents may be used solely for personal, informational, non-commercial purposes; and (b) the Documents may not be modified or altered in any way except where your use constitutes "fair use" under copyright law, you may not otherwise use, download, upcopy, print, display, perform, reproduce, publish, license, post, transmit or distribute any information from the Web site in whole or in part without the express authorization of Critical Solutions.

2. Use of Software
Any use of software and accompanying documentation you download from the Site is subject to the terms of the software license agreement between you and Critical Solutions. You must read the license agreement and indicate your agreement to its terms prior to installing or using the software. All rights, title and interest not expressly granted are reserved.

3. Use of Forums and Public Communication
"Forum" means a discussion group, chat area, bulletin board, news group, letter to Critical Solutions, its webmaster, employees, agents, brokers, or email function offered as part of the Site. You agree not to upload, email. Post, publish or otherwise transmit through a Forum any content that: (a) is false or misleading; (b) is defamatory; (c) is harassing or invades another's privacy, or promotes bigotry, racism, hatred or harm against any group or individual; (d) is obscene; (e) infringes another's rights, including but not limited to intellectual property right constitutes unsolicited bulk e-mail, "junk mail". "spam", or chain letters; or (g) violates any applicable laws or regulations.

Forums shall be used in a noncommercial manner only. You shall not distribute or otherwise publish any content containing a solicitation of funs, promotion, advertising, solicitation for goods or services, or other commercial online or offline service or other organization. Except where expressly authorized by Critical Solutions, you are not to collect or store personal data about other users.

By uploading, emailing, posting, publishing or otherwise transmitting content to any Forum or submitting any content to Critical Solutions, you automatically grant (or warrant that the owner of such rights has expressly grant Critical Solutions a perpetual, royalty-free, irrevocable, nonexclusive right and license to use, reproduce, modify, adapt, publish, transmit and distribute such content on in any form, medium, or technology now known or later developed. In addition, you warrant that all so-called moral rights in the content have been waived.

4. Passwords and Security
You are responsible for maintaining the confidentiality of any password(s) you are given to access the Site, are fully responsible for all activities that occur under your password(s). You agree to notify Critical Solutions immediately of any unauthorized use of your password(s).

Critical Solutions is concerned about the security of personal information we have collected from you and has taken responsible steps to prevent unauthorized access to that information.

5. Termination of Use
You agree that Critical Solutions may, in its sole discretion, at any time terminate your access to the Site and any account(s) you may have in connection with the Site. Access to the Site may be monitored by Critical Solutions.

6. Third Party Web Sites, Content, Products and Services
The Site provides links to Web sites and access to content, products and services from third parties, including users, advertisers, affiliates and sponsors of the Site. You agree that Critical Solutions is not responsible for the availability of, and content provided on, third party Web sites. You should refer to the policies posted by other Web Sites regarding privacy and other topics before you use them. You agree that Critical Solutions is not responsible for third party content accessible through the Site, including opinions, advice, statements and advertisements and understand that you bear all risks associated with the use of such content. If you choose to purchase any products or services from a third party, your relationship is directly with the third party. You agree that Critical Solutions is not responsible for: (a) the quality of third party products or services; and (b) fulfilling any of the terms of your agreement with the seller, including delivery of products or services and warranty obligations related to purchased products or services. You agree that Critical Solutions is not responsible for any loss or damage of anything you may incur from dealing with any third party.

7. Disclaimer
Through out our Web Site we have posted many facts and statements pertaining to Critical Illnesses such as Cancer, Heart Attack, & Stroke.

These facts represent the U.S. population for information only, and do not imply coverage provided under the policies or the endorsement of the following sources:

American Cancer Society Facts and Figures (2000) , (2001) (2002) (2003)
Also, www.cancer.org

American Heart Association (1999) (2000) (2001) (2002)
Heart Disease and Stroke Statistics-(2003 Update), American Heart Association

Brochures from EMC National Life, Protective Life, CNA., Equitable Life & Casualty, National Guardian Life, Mutual of Omaha, and Trustmark Life.

Norton Bankruptcy Law Advisor 2000

Eastbridge Consulting Group, Inc

From Articles written by and for the NACII (National Association of Critical Illness Insurance)

National Center for Health Statistics (2001)

Best's Review-Life/Health Insurance Edition, Vol. 99, No 3, page 85 July 1998

U.S Department of Housing and Urban Development, 2000

Please contact us for more information or literature about the policies and benefits that are mentioned on our web site. These pages are only a brief description of some of the facts about the coverage. For complete benefits, exceptions and limitations see the policy/certificate/ and summary or outline of coverage. For costs and complete details of coverage, call, write or email Critical Solutions, your representative, or the underwriting company.

On the Claim Page...Some of these are stories portraying situations that people have faced or could have faced. They do not represent actual people.

Some of the policies and benefits mentioned on this site may not be approved in some states. Benefits, premiums, and underwriting requirements may vary by state.

8. Limitation of Liability
In no event shall Critical Solutions be liable for any direct, indirect, incidental, Special or Consequential damages, or damages for loss of profits, revenue, data or use incurred by you or any third party, whether in an action in contract or tort, arising from your access to, or use of, the Site.

9. Indemnity
You agree to defend, indemnify and hold harmless Critical Solutions, its officers, directors, employees, management, agents from and against any and all claims, liabilities, damages, losses or expenses, including reasonable attorney fees and costs, arising out of or in any way connected with your access to or use of the site.

10. Applicable Laws
All matters relating to your access to, and use of, the Site shall be governed by U.S. federal law or the laws of the State of Texas. Any legal action or proceeding relating to your access to, or use of, the Site shall be instituted in a state or federal court in Ft Worth or Tarrant County, Texas. You and Critical Solutions agree to submit to the jurisdiction of, and agree that venue is proper in, these courts in any such legal action or proceeding.

11. Contact Information
If you have any questions regarding these Terms of Use, or if you have any other questions regarding the Site, please contact Critical Solutions at awitten@criticalsolutions.info