Terms and Conditions

TERMS AND CONDITIIONS

CONDITIONS OF USE

BY USING THIS WEB SITE, YOU ACKNOWLEDGE YOUR ASSENT TO THE FOLLOWING TERMS AND CONDITIONS OF USE WITHOUT LIMITATION OR QUALIFICATION. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEB SITE. THESE TERMS AND CONDITIONS MAY BE REVISED AT ANY TIME BY UPDATING THIS POSTING. YOU ARE BOUND BY ANY SUCH REVISIONS AND SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE THEN CURRENT TERMS AND CONDITIONS TO WHICH YOU ARE BOUND. IF YOU DO NOT AGREE TO BE BOUND BY THE FOLLOWING TERMS AND CONDITIONS OF USE DO NOT USE THIS WEB SITE.

DISCLAIMER

THE MATERIALS ON THIS WEB SITE (INCLUDING, WITHOUT LIMITATION, ALL SOFTWARE) ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, EQUITRUST LIFE INSURANCE COMPANY AND ITS SUBSIDIARIES AND AFFILIATES (COLLECTIVELY, "EQUITRUST") DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY. EQUITRUST DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEB SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. EQUITRUST DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEB SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT EQUITRUST) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION OF ALL EQUIPMENT, DATA, OR OTHER ITEMS. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES. EquiTrust may make changes to the Web site materials and the product information at any time without notice and without obligation to update the materials contained on this Web site.

THIS WEB SITE MAY BE LINKED TO OTHER WEB SITES WHICH ARE NOT MAINTAINED BY EQUITRUST. LINKS ON THIS WEB SITE TO SUCH THIRD-PARTY WEB SITES ARE PROVIDED SOLELY AS A CONVENIENCE TO YOU. IF YOU USE THESE LINKS, YOU WILL LEAVE THIS WEB SITE. EQUITRUST HAS NOT REVIEWED ALL OF THESE THIRD-PARTY SITES AND DOES NOT CONTROL AND IS NOT RESPONSIBLE FOR ANY OF THESE SITES OR THEIR CONTENT, NOR DOES THE INCLUSION OF ANY LINK TO SUCH WEB SITES IMPLY APPROVAL OF OR ENDORSEMENT BY EQUITRUST OF THE WEB SITES OR THE CONTENT THEREOF. THUS, EQUITRUST DOES NOT ENDORSE OR MAKE ANY REPRESENTATIONS ABOUT THEM, OR ANY INFORMATION, SOFTWARE OR OTHER PRODUCTS OR MATERIALS FOUND THERE, OR ANY RESULTS THAT MAY BE OBTAINED FROM USING THEM. IF YOU DECIDE TO ACCESS ANY OF THE THIRD-PARTY WEB SITES LINKED TO THIS WEB SITE, YOU DO SO ENTIRELY AT YOUR OWN RISK.

THIS WEB SITE IS INTENDED TO PROVIDE GENERAL INFORMATION ONLY AND IS NOT INTENDED TO ASSIST IN THE SOLICITATION, NEGOTIATION OR SALE OF ANY INSURANCE OR SECURITY PRODUCT.

THE MATERIALS CONTAINED IN THE AGENT LOGIN PORTION OF THIS SITE ARE FOR AGENT USE ONLY AND NOT FOR USE WITH THE PUBLIC. SUCH MATERIALS MAY ONLY BE ACCESSED BY AUTHORIZED AND APPOINTED AGENTS OF EQUITRUST THAT ARE IN GOOD STANDING WITH THE COMPANY.

LIMITATION OF LIABILITY

WHILE EQUITRUST USES REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP TO DATE INFORMATION ON THIS WEB SITE, ERRORS OR OMISSIONS SOMETIMES OCCUR. EQUITRUST MAKES NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY OF THIS WEB SITE. UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL EQUITRUST OR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE WEB SITE BE LIABLE TO YOU FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION) THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, OR THE RESULTS OF USE OF THIS WEB SITE OR THE MATERIALS OR INFORMATION CONTAINED AT THIS WEB SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY, EVEN IF EQUITRUST OR AN EQUITRUST AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL EQUITRUST'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS WEB SITE OR THE MATERIALS.

EQUITRUST ALSO ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING IN THE WEB SITE OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THIS WEB SITE.

APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THESE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU.

RESTRICTIONS ON USE OF MATERIALS

This Web site is owned and operated by EquiTrust. Except as otherwise expressly permitted by EquiTrust, no materials from this web site or any Web site owned, operated, licensed or controlled by EquiTrust may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Web site for your personal non-commercial reference only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Web site for public or commercial purposes, including the software, text, images, audio, and video without EquiTrust's written permission.

EquiTrust neither warrants nor represents that your use of materials displayed on this Web site will not infringe rights of third parties not owned by or affiliated with EquiTrust.

JURISDICTIONAL ISSUES

EquiTrust administers this Web site from its offices in West Des Moines, Iowa. Unless otherwise expressly set forth herein, EquiTrust makes no representation that materials on this Web site are appropriate or available for use in any location, including, without limitation, for use outside the United States, and access to the materials on this Web site from territories where their contents are illegal is prohibited. You may not use or export or re-export the materials on this Web site or any copy or adaptation in violation of any applicable laws or regulations, including, without limitation, U.S. export laws and regulations. Those who choose to access this Web site do so on their own initiative and are responsible for compliance with local laws. These Terms and Conditions will be governed by and construed in accordance with the laws of the State of Iowa, without giving effect to any principles of conflicts of laws.

The information and material contained on this Web site is not an offer to sell or a solicitation to buy any security or any insurance product in any jurisdiction. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Not all products are available in all states. EquiTrust products are offered by EquiTrust agents - for more information about any EquiTrust product please contact your local agent or go to the Contact Center to find an agent in your area.

EquiTrust Financial Services is a multi-state insurance and investment organization headquartered in West Des Moines, Iowa. We provide various insurance and investment products and services in a 48-state region consisting of the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming and the District of Columbia. All of our insurance companies are United States companies, servicing United States residents; however, all of the insurers' products are not available in every state in our 48-state region. The information provided on this web site does not apply to nor are the insurance products and services of our companies available to residents of the following states: Connecticut, Massachusetts, New Jersey and New York.

TRADEMARKS AND COPYRIGHTS

All trademarks, service marks, trade names, logos, and icons are licensed or proprietary to EquiTrust. Nothing contained on the Web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Web site without the written permission of EquiTrust or such third party that may own the trademarks displayed on this Web site. Your use of the trademarks displayed on this Web site, or any other content on this Web site, except as provided herein, is strictly prohibited.

Images displayed on this Web site are either the property of, or used with permission by, EquiTrust. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

The materials at this Web site are copyrighted and any unauthorized use of any materials at this Web site may violate copyright, trademark, and other laws. If you breach any of these Terms and Conditions, your authorization to use this Web site automatically terminates and you must immediately destroy any downloaded or printed materials.

PRIVACY - Please see the equitrust.com Web site Privacy Policy Statement.

SOFTWARE

Use of Software
Any software that is made available to download from this Web site is the copyrighted work of EquiTrust and/or its suppliers. Use of the software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the software ("License Agreement"). You may not download or install any software that is accompanied by or includes a License Agreement unless you have read and accepted the terms of the License Agreement. REPRODUCTION OR REDISTRIBUTION OF THE SOFTWARE IS PROHIBITED EXCEPT AS PROVIDED FOR IN THE APPLICABLE LICENSE AGREEMENT.

Export of Software
You acknowledge that any software available or provided to you on this Web site may contain technology that is subject to strict controls by various agencies of the United States Government pursuant to United States export control laws and regulations. You hereby agree that you will not transfer or export such software from the United States (including, for example, providing such software to any foreign person or entity in the United States) or re-export such software outside the United States in violation of United States export laws and regulations. EquiTrust does not authorize the downloading or exportation of any software or technical data from this Web site to any jurisdiction prohibited by the United States export controls laws and regulations.