25 3. The validity of the Group Policy or your Employer’s coverage under the Group Policy will not be contested after it has been in force for two years, except for nonpayment of premiums or fraudulent misrepresentations. GLDI-C3000-(12/06) XXV. CLERICAL ERROR AND MISSTATEMENT A. Clerical Error 1. Clerical error by us, the Policyowner, your Employer, or their respective employees or representatives will not: a) cause a person to become insured under the Group Policy or a provision of it. b) invalidate insurance otherwise validly in force. c) continue insurance otherwise validly terminated. d) cause an Employer to obtain coverage under the Group Policy or a provision of it. 2. In the event that a clerical error results in an incorrect rate, we reserve the right to adjust the rate accordingly. B. The payment of premium, by itself, will not obligate us to provide benefits to anyone who is not eligible for coverage under the Group Policy. C. Your Employer acts on its own behalf as your agent, and not as our agent. Your Employer has no authority to alter, expand or extend our liability or to waive, modify or compromise any defense or right we may have under the Group Policy. D. Misstatement of Age or Gender 1. If the age or gender, or both, of a person has been misstated, we will make an equitable adjustment of premiums, benefits or both. The adjustment will be based on: a) the amount of insurance based on the correct age and gender; and b) the difference between the premiums paid and the premiums which would have been paid if the age and gender had been correctly stated. GLDI-C3100-(12/06) XXVI. FRAUD A. It is unlawful to knowingly provide false, incomplete or misleading facts or information with the intent of defrauding us. An application for insurance or claim containing any materially false or misleading information may lead to reduction, denial or termination of benefits or coverage under the Group Policy and recovery of any amounts we have paid. GLDI-C3200-(12/06) XXVII. TERMINATION OR AMENDMENT OF THE GROUP POLICY AND EMPLOYER COVERAGE A. The Group Policy may be terminated, changed or amended in whole or in part by us or the Policyowner according to the terms of the Group Policy. Any such change or amendment may apply to current or future Employers and Eligible Persons covered under the Group Policy or to any separate classes or categories thereof. An Employer’s coverage under the Group Policy may be terminated, changed or amended in whole or in part by us or the Employer according to the terms of the Group Policy. B. We may change the Group Policy and any Employer’s coverage under the Group Policy in whole or in part when any change or clarification in law or governmental regulation affects our obligations under the Group Policy, or with the Policyowner’s or Employer’s consent.