Effective Date: January 4, 2018

Welcome! Thank you for visiting an offering of Aflac Incorporated and the Aflac group of insurance companies, including American Family Life Assurance Company of Columbus, its wholly owned subsidiary, American Family Life Assurance Company of New York, and Continental American Insurance Company (“CAIC”) and Tier One (the Aflac group of insurance companies are collectively, “Aflac,” “we,” “our” or “us”).

The aforementioned Aflac companies are separate legal entities. These Terms of Use (“Terms”) apply to (1) your use of the websites which are located at the domains www.aflac.com, www.aflacgroupinsurance.com, www.aflacny.com, and https://phs.aflac.com/aflac.phs.app/account/login, our mobile websites, and other applications (the “Site”), and (2) our offline services and tools, including call centers, offline enrollment tools, surveys, and other applications (“Offline Services”).

The Site and Offline Services are collectively referred to in this policy as the “Services.”

The Services are owned and operated by Aflac. Thank you for visiting and learning more about Aflac!

It is important to us that you, and our other visitors, have a special experience while using the Services and that when you use the Services you are fully aware of your respective legal rights and obligations.

For that reason, we have created these Terms as the legally binding terms to govern your use of the Services.

Please read these Terms carefully before using the Services, because they affect your legal rights and obligations (e.g., requiring arbitration and no class relief and limiting our liability).