User Agreement:

By accessing and using this website, you agree to the terms and conditions of use and acknowledge your receipt and understanding of the disclaimers set forth on these pages. Please read these pages carefully before using the website. These pages may be revised at any time without notice to you, and you will be bound by such revisions. Therefore, you should periodically re-review these pages in connection with your future use of this website to determine whether any revisions have been made.

No Warranties:

Matrix Absence Management, Inc. (Matrix). makes no representations or warranties whatsoever, express or implied, about the functionality of this website or any information, text or graphics contained herein, and such materials are provided on an AS IS basis. All such representations and warranties are expressly disclaimed.

Although reasonable efforts have been made to ensure that the electronic information contained on this website is complete, accurate and timely, due to the nature of the Internet, Matrix cannot guarantee that this information is complete, accurate and timely in all instances. Similarly, Matrix cannot guarantee that this information is suitable for any purpose whatsoever.

Matrix assumes no obligation to update any of the information contained on this Matrix site. All information is subject to change without prior notice.

Linked Websites & Viruses:

As a convenience, this website may provide links to other websites created and maintained by third parties. A link to another website does not mean that Matrix endorses that site or its contents. Matrix makes no representations or warranties with respect to such websites and disclaims any responsibility for their content, accuracy, and/or timeliness.

Matrix cannot and does not guarantee or warrant that files available for downloading from this website or any linked website are free from viruses or other malfunctions. Because of the possibility of computer viruses being transmitted over the Internet, you should take steps to protect your computer from infection. It is your responsibility to review all downloaded materials received through the Internet, and Matrix is not and will not be responsible or liable for any damage caused by any such infection.

User Transmissions:

Unless otherwise specified herein, any information, inquiry or transmission received by Matrix from a user of this website shall be treated by Matrix as non-confidential and nonproprietary. You agree that Matrix has the right to use any information you transmit to this website for any purpose and in any manner deemed appropriate by Matrix.

Note: Claim specific information submitted to Matrix, via this website, will be treated in accordance with governing laws, including, but not limited to medical confidentiality.

If you have concerns regarding confidentiality, please contact
Ivars Zvirbulis, President/COO

No Offer or Solicitation:

The information contained on this website does not constitute an offer to sell or a solicitation to purchase any security or insurance product and may not be used by others in connection with such an offer or solicitation. No security or insurance product will be offered or sold in any jurisdiction in which such offer or sale would be unlawful. Matrix products and services may not be available in all jurisdictions.

Limitation of Liability:

Under no circumstances shall Matrix be liable to you or any other person for any damages (whether direct, incidental, indirect, consequential, punitive or otherwise) that result from the use of or inability to use this website, whether or not Matrix or its representatives have been advised of the possibility of such damages.

Property of Matrix:

This website is owned and operated by Matrix Absence Management, Inc. All trademarks, service marks, logos, materials and other information contained on this website are the property of Matrix and its parent Delphi Financial Group, Inc.

Use of any information contained on this website by any person for other than personal, noncommercial purposes is strictly prohibited. Such information shall not be used for any other purpose, or copied, modified or distributed in any manner, without the express prior written consent of Matrix Absence Management, Inc.

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