— Legal
Legal Center
Policies that govern Centuries Mutual websites, apps, brokerage services, rewards, and supplemental member programs. Read the summaries below, then the full terms and privacy sections. By using our services you agree to these terms; questions go to Help Desk.
01 Scope
What these policies cover
Highlights
These terms apply to members, applicants, visitors, developers, and partners who access Centuries Mutual websites, mobile applications, rewards wallets, wellness apps (including My Brothers Keeper), Wintergarden, document tools, and related brokerage services. If you do not agree, do not use the services.
- Websites, apps, and member hub tools
- Insurance brokerage and enrollment pathways
- Rewards, pay, wellness, and performance programs
- Developer and partner integrations
02 Terms
Core terms of service
Highlights
You must be legally able to contract in your jurisdiction. Keep credentials confidential and provide accurate information. Do not misuse the services — no fraud, harassment, unlawful activity, scraping that violates our rules, or circumvention of security. We may modify or discontinue features with notice where required by law.
- Binding agreement upon access or account creation
- Account responsibility and accurate profile data
- Prohibited misuse and interference with systems
- Feature changes with notice where legally required
03 Coverage reality
Insurance is governed by plan documents
Highlights
Marketing copy on this site does not create coverage. Benefits, premiums, networks, and eligibility are defined solely by applicable plan documents, carrier contracts, and law. Availability varies by geography and underwriting. Nothing on the website guarantees issuance, savings, or claim outcomes.
- Plan documents control over website copy
- Eligibility, geography, and underwriting gates
- No guarantee of coverage or claim payment
- Licensed channels required for insurance advice
04 Rewards & programs
Supplemental initiatives
Highlights
Healthcare rewards, fitness, nutrition, preventive prompts, and Wintergarden music-performance software are supplemental member initiatives. They are not medical advice, not clinical care, and not a substitute for professional treatment. Reward amounts and eligibility can change under published program rules.
- Not medical advice or covered clinical care
- Rewards subject to eligibility and program rules
- Programs may be modified or ended with notice
- Blockchain may verify participation where disclosed
05 Privacy
How we handle personal data
Highlights
We collect account, contact, usage, and service data needed to operate brokerage, rewards, and member tools. We share data with carriers, processors, and partners only as needed to deliver the service or as required by law. You may request access or correction through Help Desk. See the full privacy section below for detail.
- Collection limited to operating the services
- Processors and carriers under appropriate agreements
- Security controls described in our security surfaces
- Help Desk path for access and correction requests
06 Blockchain & third parties
Ledgers and other brands
Highlights
Where we use blockchain or distributed ledger features, they supplement — not replace — legal agreements and plan documents. Third-party marks that appear on the site belong to their owners; appearance does not imply affiliation, sponsorship, or endorsement beyond expressly stated relationships.
- Ledger features do not replace written agreements
- Third-party networks may apply additional terms
- Trademark ownership respected; no implied endorsement
- Partner relationships only where expressly stated
07 Developers
API and integration rules
Highlights
Developer access is subject to these terms plus any partner agreement. Store only the member data your product requires, honor scopes, verify webhooks, and never invent balances or eligibility. Production credentials may be revoked for misuse or security risk.
- Partner agreements may add stricter obligations
- Data minimization and scope enforcement
- Signed webhooks and secure credential storage
- Revocation for abuse or security incidents
08 Disclaimers
No securities, no tax advice, no guarantees
Highlights
This website does not constitute an offer of securities, an offer to sell, or a solicitation of an offer to buy any security. Nothing here is tax, legal, or investment advice. We do not guarantee savings, coverage, rewards outcomes, or investment results. Investor Relations materials are informational only.
- Not an offer or solicitation of securities
- Not tax, legal, or investment advice
- No guaranteed savings, coverage, or rewards
- Limitation of liability as permitted by law
09 Contact
Legal and policy requests
Highlights
For policy questions, privacy requests, or trademark concerns, contact support@centuriesmutual.com and mark the subject “Legal.” Member product issues should use Help Desk. Regulatory notices and audit topics may also be routed through Audit & Compliance.
- Email subject: Legal for policy matters
- Help Desk for product and account support
- Audit & Compliance for regulatory notices
- Last substantive policy review: 2026
Full text
Terms and Privacy (summary record)
Agreement. These Terms govern access to Centuries Mutual services. If you do not agree, do not use the services. We may update Terms with notice where required; continued use after the effective date constitutes acceptance.
Services. We provide brokerage-related technology, rewards, documents, wellness and performance programs, and related member tools. Offerings may change. Insurance products remain subject to underwriting and plan documents.
Privacy. We process personal data to operate accounts, deliver services, meet legal obligations, and improve security. We do not sell personal information in the conventional retail sense. Requests to access, correct, or delete data (where applicable law provides) may be sent via Help Desk.
Liability. To the maximum extent permitted by law, Centuries Mutual is not liable for indirect, incidental, or consequential damages arising from use of the website or supplemental programs. Coverage disputes are governed by plan documents and applicable insurance law.
For operational help see Help Desk. For capital inquiries see Investor Relations.