Terms of use
Investors Life Insurance Company of North America – Online Terms of Use
Effective Date: October 1, 2024
Acceptance of the Terms of Use
Welcome to thewebsites and applications provided by InvestorsLife Insurance Company of North America and our affiliated companies and sales representatives, (collectively “we, “us” or “our”), that link tothis websiteand these “Terms of Use” (the “Sites”). The following terms and conditions, together with any documents incorporated by reference(collectively “Terms of Use”), govern your access to and use of the Sites.These Terms of Use permit you to use the Sites for your personal and noncommercial use and only for lawful purposes.
Please read these Terms of Use carefully before you start accessing or using the Sites or any content or any services offered on or through the Sites (“Services”). By accessing the Sites, you accept and agree to be bound by these Terms of Use and our Privacy Policy https://investorslife.com/privacy/. If you do not want to be bound by the terms and conditions of these Terms of Use, you must not access or use theSitesor any of the Services.
Eligibility
The Sitesare availableto users who are 18 years of age or older and reside in the United States. By using theSites, you represent and warrant that (1) you are of legal age to form a binding contract with us and are not barred from doing so under any applicable laws in your place of residence; and (2)you have read, understand and agree to be legally bound by the following Terms of Use, as well as any additional terms contained within any of our other Sites you access, without limitation or qualificationand meet all of the foregoing eligibility requirements.
Changes to the Terms of Use
We may revise and update these Terms of Use at any time at our sole discretion without notice. All changes are effective immediately when we post them and apply to all access to and use of the Sites thereafter. Your continued use of the Sites following the posting of revised Terms of Use means that you accept and agree to the changes.
No Offers/Product Availability
The information contained on the Sites does not constitute an offer or solicitation for the sale of any security, insurance product, or service in any jurisdiction where we are not licensed to conduct business or where the security or insurance product is not available for sale. Not all products and services are available in all states.
Privacy
Please review our Privacy Policy https://investorslife.com/privacy/ which governs the Sites and informs users about our data collection practicesincluding how we handle your personally identifiable information, (including but limited tocookies and similar technology we may use to collect information about your use of the on-line services and your preferences).You consent to all actions we take with respect to your information consistent with our Privacy Policy.
Accessing the Sites
To access the Sites or some of the online Services or resources offered through theSites, you may be asked to provide certain registration details or other information. In addition, we may require you to answer some identity verification questions. You agree to provide us with correct, current, and complete information about you as prompted by the registration process on the Sites or otherwise, and to regularly update this information to maintain its accuracy and completeness.
By registering with a Site, you agree that:
- You are responsible for securing and maintaining the confidentiality of your username and password or PIN;
- We are authorized to act on instructions received under your password or PIN without any requirement to question those instructions, and you are solely responsible for all transactions or acts that are validated through use of your passwordor PIN whether or not made with your knowledge or authority;
- If you provide or permit any person to use your username and password or PIN, you may be liable for transactions made by that person;
- We will not be liable for any unauthorized access to your information that is not directly due to the negligence of either Investors Life Insurance Company of North America or an insurance related affiliate;
- You will notify us immediately if you believe anyone else has learned your password or if you believe an unauthorized access to a Site or your information has occurred.
We have the right to disable any username, password, PIN or other identifier, whether chosen by you or provided by us, at any time at our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use or if you endanger the use of the Services provided through the Sites.
Multi-Factor Authentication
To enhance the security of your account, we require the use of Multi-Factor Authentication (MFA). MFA adds an additional layer of protection by requiring not only a password and username but also something that only the user has on them, such as a physical token or a code sent to their email or mobile device. Upon registration, and each log-in thereafter, you will receive an MFA code to your email and/or phone and must enter the code to access your account. You are responsible for maintaining the security of your MFA code. Do not share your MFA code with others. If you suspect any unauthorized access to your account, please notify us immediately. We reserve the right to modify or update our MFA requirements at any time. Any changes will be communicated to you through your registered email address or by posting updated Terms on our Sites.
Electronic Communications and Signatures
Visiting a Site or sending emails constitutes electronic communications. You consent to receive electronic communications. You agree that your use of a key pad, mouse, or other device to select an item, button, icon, or similar act/action, or to otherwise provide us instructions via a Site, or email or in accessing or making any transaction regarding any agreement, acknowledgment, consent terms, disclosures or conditions constitutes your signature (hereinafter, “ESignature”), acceptance and agreement as if actually signed by you in writing. You also agree that no certification authority or other third-party verification is necessary to validate your ESignature and that the lack of such certification or third-party verification will not in any way affect the enforceability of your ESignature or any resulting contract between you and us.
You also represent that you are authorized to enter into these Terms of Use for all persons who own or are authorized to access any of your accounts and that such persons will be bound by these Terms of Use. You further agree that each use of your ESignature on any of the Sites constitutes your agreement to be bound by the Terms of Use as it exists on the date of your ESignature.
Intellectual Property Rights
The Sites and their entire contents, features and functionality (including but not limited to all data,information, text, graphics, displays,logos,images, , video, audio, and user interface design and selection and compilation or arrangement thereof) and other materials, (“Materials”) on the Sites or included in the Services, and any software used on the Sitesare the property of Investors Life Insurance Company of North America or its affiliates or our suppliers or is being used by us with the express permission of a licensor, and are protected copyright, trademark, patent, trade secret and other laws that protect intellectual or proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any content or Materials and will not make any changes thereto.
By using the Sites and accessing the Materials you agree that the Sites and Materials are confidential. You will use protected content solely for your personal use and will make other use of content or Materials. You must notuse,reproduce, copy, distribute, transmit, modify, reverse engineer, participate in the transfer or sale, create any derivative works of, or in any way, manner or medium (including by email or other electronic means) exploit any of the content or Material, in whole or in part foundon the Sites.
You may print or download one copy of a reasonable number of pages from the Sites for your own personal, noncommercial use and not for further reproduction, publication or distribution, provided that you keep intact all copyright and other propietary notices.without our express written consent and that of the copyright owner. You agree that you do not acquire any ownership right in any protected content or Materials. We do not grant you any licenses, express or implied, to the intellectualproperty of Investors Life InsuranceCompany of North America, our affiliates or our licensors except as expressly authorized by these Terms of Use.
If you wish to make any use of Material on the Sites other than that set out in this section, please address your request to [email protected].
Prohibited Uses
As a condition of your use of the Sites and any Services offered through the Sites youwarrant and agree that you will use the Sites only for lawful purposes and in accordance with these Terms of Use.
Without limiting the foregoing, you agree not to use the Sites in any way that violates the rights of others or to violate applicable laws of any jurisdiction, (including, without limitation, any laws regarding the export of data or software to and from the United States or other countries).You may not use the Sites in any manner which could damage, disable, overburden or impair the Sites or interfere with another party’s use andenjoyment of the Sites.
Third-Party Links
The Sites may contain links to other sites or services maintained by unaffiliated third parties. These links, which may include links contained in advertisements, are provided for your convenience only. Linking or pointing to such third-party sites does not imply an endorsement or sponsorship of such sites, or the information, products or services offered on or through such sites. We have no control over those third parties, or their sites, services or content, or how they may use your data, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party sites or services via a link from the Sites, you do so entirely at your own risk and subject to the terms and conditions of use and privacy policies, where applicable, for such sites and services.
Disclaimer of Warranties
YOU UNDERSTAND THAT WE CANNOT AND DO NOT GUARANTEE OR WARRANT THAT FILES AVAILABLE FOR DOWNLOADING FROM THE INTERNET OR THE WEBSITE WILL BE FREE OF VIRUSES OR OTHER HARMFUL CODE. YOUR USE OF THE SITES, THEIR CONTENT OR ITEMS OBTAINED THROUGH THE SITES IS AT YOUR OWN RISK.
THE INFORMATION, CONTENT, SOFTWARE, PRODUCTS AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITES MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED. INVESTORSLIFE INSURANCE COMPANY OF NORTH AMERICA, ITS PARENT, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND LICENSORSMAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE SUITABILITY, COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE RESPECTIVE SITES’ CONTENT OR MATERIALS OR THE CONTENT OF ANY SITES LINKED TO THE SITES OR THAT THE SITES WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED.
TO THE MAXIMUM EXTENT PROVIDED BY LAW, THE INFORMATION, PRODUCTS, AND SERVICES OFFERED ON OR THROUGH THE SITES IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE.OTHER THAN INFORMATION DIRECTLY RELATED TO YOUR INVESTORS LIFE INSURANCE COMPANY OF NORTH AMERICA POLICY OR CLAIM THE INFORMATION PRESENTED ON OR THROUGH THE SITES IS MADE AVAILABLE SOLELY FOR GENERAL INFORMATION PURPOSES.
Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, UNDER NO CIRCUMSTANCES SHALL INVESTORS LIFE INSURANCE COMPANY OF NORTH AMERICA, ITS PARENT, AFFILIATES OR OFFICER, DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE FOR ANY DAMAGES, WHETHER DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES, ARISING FROM (I) ANY LOSS OF USE OR LOSS OF DATA, (II) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT OR MATERIALS; (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS AND INFORMATION STORED THEREIN; (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SITES; (V) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH OUR SITES BY ANY THIRD PARTY; (VI) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITES; AND/OR(VII)ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE SITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITES OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON THE SITES, OR ON ANY WEBSITES LINKED TO THE SITES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.
YOU MUST PROVIDE, AND ARE SOLELY RESPONSIBLE FOR, ALL HARDWARE AND/OR SOFTWARE NECESSARY TO ACCESS THE SITE. YOU ASSUME THE ENTIRE COST OF AND RESPONSIBILITY FOR ANY DAMAGE TO, AND ALL NECESSARY MAINTENANCE, REPAIR OR CORRECTION OF, THAT HARDWARE AND/OR SOFTWARE. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE(S).
Indemnification
As a condition of your use of the Sites, you agree to indemnify, defend and hold Investors Life Insurance Company of North America, its parent, affiliates, officers, directors, employees and agents and third parties from and against any and all claims, obligations, losses, liability, costs or debt, and expenses (including but not limited to reasonable attorneys’ fees)relating to or arising from any act or omission by you, your employees, agents and contractors regarding (i) use of and access to the Sites; (ii) violation of these Terms of Use; (iii) your violation of any rights of a third party or; (iv) your violation of any applicable laws rules or regulations. We reserve the right, at your expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with us in the defense of such matter. You agree not to settle any matter without our prior written consent.
Geographic Restrictions
The Sites are operated in the United States and intended for users located in the United States. The Sites and all information and functionalities contained therein are not directed at or intended for use by any person resident or located in any jurisdiction where the distribution of such information or functionality is contrary to the laws of such jurisdiction. We make no claims that the Sites or any content are accessible or appropriate outside of the United States. If you access the Sites from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
Governing Law and Jurisdiction
All matters relating to the Sites and these Terms of Use, and any dispute or claim arising therefrom or related thereto (in each case, including noncontractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Texas without giving effect to any choice or conflict of law provision or rule (whether of the State of Texas or any other jurisdiction).
Any legal suit, action or proceeding arising out of, or related to, these Terms of Use or the Sites shall be instituted exclusively in an appropriate state or federal court located in the State of Texas although we retain the right to bring any suit, action or proceeding against you for breach of these Terms of Use in your state or country of residence or any other relevant state or country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
Waiver and Severability
No waiver by us of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure by us to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.If any provision of these Terms of Use is determined to be invalid, illegal or unenforceable, the remaining provisions of the Terms of Use remain in full force, if the essential terms and conditions of the Terms of Use for you and us remain valid, binding and enforceable.
Termination/Exclusion
We reserve the right, in our sole discretion, to revoke, terminate or suspend your right to use or access Sites or any part of the Sites at any time and without notice.In the event of cancellation or termination, you are no longer authorized to access the part of the Sites affected by such cancellation or termination. The restrictions imposed on you with respect to Material downloaded from the Sites, and the disclaimers and limitations of liability set forth in these Terms and Condition, survive.
Arbitration
In the event that any dispute between us and you arises out of or relates to the Terms of Use, the applicability of the Terms of Use to the use of the Services, or to breach or enforcement, interpretation or validity of the Terms of Use, you and Investors Life Insurance Company of North America and/or the relevant affiliate, agree to try to promptly resolve any such dispute informally. Please send a written notice describing the dispute to Investors Life Insurance Company of North America by email at: [email protected]. At our sole discretion, we may require you to submit any disputes arising from the use of these Terms of Use or any provisions hereof, or related to the Sites to final and binding arbitration, pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator, at a mutually agreed location and administered under the Rules of the American Arbitration Association Consumer Arbitration Rules.
Entire Agreement
These Terms of Use and our Privacy Policy constitute the sole and entire agreement between you and us with respect to the subject matter addressed herein, and govern your use of the Sites, Materials on the Sites, and software.These Terms of Use supersede all prior and contemporaneous understandings or agreements, representations, and warranties, both written and oral regarding the Sites.
How to Contact Us
If you have any questions or want to request information related to these Terms of Use, please contact us by e-mail at [email protected].