Terms & Conditions of Use

These terms and conditions set forth the terms and conditions of your access and use of this Web site, which is owned and operated by American Republic Insurance Services, herein referred to as "the Company."  The Company may provide or offer services on certain pages of this Web site.  Your use of any such services will be subject to these terms and conditions of use and any additional terms specific to any other service.  In the event of a conflict between these terms and conditions of use and any other terms of use specific to a particular service offered at this website, the terms and conditions of use specific to any such service shall control.

BY USING THIS WEB SITE, YOU ACCEPT AND AGREE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO THESE TERMS AND CONDITIONS OF USE, AND THAT YOUR ACCESS AND USE OF THE WEB SITE WILL BE SUBJECT TO THESE TERMS AND CONDITIONS OF USE.

YOU MAY NOT ACCESS OR USE THIS WEB SITE IF AT ANY TIME YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS OF USE.

Use of Website

As a visitor of the Company's website, you agree to comply with all terms and conditions of use.  You are granted a limited, nonexclusive license to access and make personal use of this website, but not to modify it, or any portion of it, except with the prior written consent of the Company.  This license does not include any resale or commercial use of this Web site or its contents, any downloading or copying of information for the benefit of another, or any use which is for unlawful purposes.

If applicable, you agree to be responsible for all activities occurring under the user id(s) assigned to you by the Company ("ID").  You agree to notify the Company immediately of any unauthorized use with respect to your ID or any other breach of security or privacy involving your use of this Web site.  You agree the Company will not be liable for any losses incurred as a result of a third party's use of your ID, regardless of whether such use is with or without your knowledge and consent.

You acknowledge that this website may allow you access to confidential and proprietary information by the Company and the persons and entities represented by the Company and the persons and entities represented by the Company.  Confidential information includes, but is not limited to, all information associated with applicants, customers, or prospective customers of the Company or the persons or entities represented by the Company.  You agree that you will not use or disclose such Confidential Information to the detriment of the company or the persons or entities the Company represents and/or the individual who is the subject of the Confidential Information.  You further agree that you will not sell, disclose, transfer, or rent any data from this Web site which identifies or can be used to identify a specific individual.

By using this Web site, if applicable, you agree you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account and/or password.  The Company reserves the right to refuse service, terminate accounts, to remove or edit content, and to cancel any subscription in its sole discretion.  In the event that you or the Company terminate your relationship with the Company, your limited license and authority to use and access this website will immediately cease, and you shall thereafter not access this website, directly or indirectly, for any purposes whatsoever.

You will not attempt to gain unauthorized access to the services, other accounts, computer systems or networks under the control or responsibility of the Company, through hacking, cracking, password mining or any other unauthorized means.  You will not use this Web site in any manner which would damage, disable, overburden, or impair this website or interfere with another's use of this website, without limitation.

Use of Electronic Signature

Applicable law considers an electronic signature to have the same force and effect as a signature written on paper by hand.

Therefore, by electronically signing records contained in this Web site, you signify your agreement and intent that your electronic signature has the same legal force and effect as if you had signed your signature in ink on a paper record.

Website Content

All materials contained or provided on the Web site are the copyrighted property of the Company or its third party licensors.  All trademarks, service marks, trade names and trade dress displayed on this Web site are proprietary to the Company or its third party licensors.  No materials from this website may be copied, reproduced, republished, posted, linked, redistributed, or disseminated in any way without the Company's prior written consent; provided, however, you may download copies of any such materials on a single computer for your personal, non-commercial use.

The trademarks, service marks and logos displayed in the website are registered and unregistered trademarks of the Company and the others.  Nothing contained in this website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the prior written permission of the Company or such third party that owns the trademark.

Reservation of Rights

The Company and its licensors retain all the intellectual property rights in and to all aspects of this Web site, including without limitation, any related patent rights, copyrights, trade secrets, trade names, service marks, associated goodwill, moral rights and any other similar rights or intangible assets recognized under any laws or international conventions.

User Representations and Warranties

You hereby represent and warrant that (i) you have requisite rights and authority to agree to these terms and conditions of use and to grant all applicable rights herein; (ii) the performances of these terms and conditions of use shall not violate, conflict with, or result in a material default under any other agreement; and (iii) you will not link directly to this website without the prior written consent of the Company.

Viewing the Website

The Company recommends that you view our website using the most recent versions of Internet Explorer, Mozilla Firerfox, or Safari.

 To download the most current versions, you may click the following links:

Adobe Reader Usage:  There are several forms on this site that are in the PDF format.  This PDF may be viewed, saved, or printed on your computer.  Download a free version of Adobe Reader by clicking on the icon below.

 

Please note that if you visit the Adobe website with the intent to download the Adobe Reader, you will need to provide information regarding your spoken language, computer platform, and connection speeds (such as modem capacity or high-speed access) to complete the download.  The Company recommends that you read and comply with the Adobe Web site terms and conditions.

For support and assistance with the Adobe Reader, please click on the following link:

http://helpx.adobe.com/reader.html

Links

This Web site contains hypertext links to Web site or other third parties. The Company does not control these Web sites nor are they responsible for their content. The existence of such links does not indicate any approval, endorsement, or authentication of any material appearing on such linked Web sites. The existence of such links does not indicate any association between the Company and the owners or operators except as specifically set forth on this Web site or in other material from the Company. You assume sole responsibility for use of third party links. You may not link directly to this Web site without the prior written consent of the Company.

Disclaimers and Limitations on Liability

You acknowledge that the Company does not own, operate or manage the Internet; the Internet is a separate network of computers, independent of and not subject to the control of the Company; communications on the Internet may not be secure and may be subject to interception or loss; certain content available on the Internet is copyrighted and may have been distributed in violation of copyright laws.

You further acknowledge that the Company has no obligation to review the content posted on the Web site.  Under no circumstances will the Company be liable in any way for any content, including, but not limited to, for any errors or omissions in any content, or for any loss or damage of any kind incurred as a result of the use of any content posted, e-mailed or otherwise transmitted via the Web site.  Accordingly, you agree that you must evaluate, and bear all risks associated with, the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content.  The Company does not guaranteed continuous, uninterrupted, or secure access to the Web site, and operation of the Web site may be interfered with by numerous factors outside of our control, IF YOU ARE DISSATISFIED WITH ANY PORTITON OF THE WEB SITE, OR WITH ANY OF THESE TERMS AND CONDITIONS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE.

THIS WEBSITE IS PROVIDED BY THE COMPANY ON AN "AS IS" AND "AS AVAILABLE" BASIS AND THE COMPANY EXPRESSLY DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.  IN NO EVENT SHALL PROVIDER OR ANY OF ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BY LIABLE (WHTHER IN AN ACTION ARISING FROM CONTRACT OR TORT) FOR (i) INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF RESULTING FROM ANY OTHER MATTER RELATING TO THIS WEB SITE), OR (ii) ANY DISCLOSURE OF INFORMATION PROVIDED TO THE COMPANY (EVEN IF SUCH DISCLOSURE IS CAUSED BY THE NEGLIGENCE OF THE COMPANY), EXCEPT TO THE EXTENT THAT SUCH IMPROPER DISCLOSURE IS DIRECTLY CAUSED BY INTENTIONAL MISCONDUCT, OR GROSS NEGLIGENCE OF THE COMPANY.  THE COMPANY DOES NOT WARRANT THAT THIS WEB SITE IS FREE OF VIRUS OR OTHER HARMFUL COMPONENTS, AND THE COMPANY WILL NOT BE LIABLE FOR DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS WEB SITE, INCLUDING BUT NOT LIMITED TO, DIRECT, INDIDRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.

Indemnity

You agree to indemnify, and hold harmless the company, and its officers, directors, employees, shareholders, policy/certificate holders, and agents, from all damages, liabilities, and expenses (and all legal costs including reasonable attorneys' fees, court costs, expenses and settlements) arising out of, connected with, or resulting in any way from any violation of these terms and conditions of use, your use of this website, or any applicable law by you.

Termination

The Company may terminate these terms and conditions of use without notice to you, with such termination to become effective immediately.  Your continued access and use of the Web site constitutes your continued agreement to be bound by these terms and conditions of use and you may terminate by discontinuing access and use of this Web site.

Miscellaneous

You agree that if any provision of these terms and conditions of use is found void or unenforceable, including without limitation the warranty disclaimers and liability limitations set forth above, this will not affect the validity of the balance of these terms and conditions of use, which shall remain valid and enforceable, and the invalid and unenforceable provision shall be deemed to be superseded by a valid, enforceable provision that most clearly matches the intent of the original provision.  You may not assign your rights or obligations under these terms and conditions of use, in whole or in part, without prior written consent of the Company.  No waiver of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

These terms and conditions of use shall be governed and construed in accordance with the laws of the State of Iowa, without regard to its conflicts of law provisions. Any legal action or proceeding arising out of or relating to these terms and conditions of use or the Web site shall be exclusively subject to the jurisdiction of the federal courts of the United States of America and/or the state courts of Iowa located in Des Moines, Polk County, Iowa.  Use of this Web site is unauthorized in any jurisdiction that does not give effect to all of the provisions of these terms and conditions of use, including without limitation to this paragraph.

These terms and conditions of use, the notice of Web site privacy and security practices, and the Company's other policies/notices posted on this Web site (collectively "Notices and Policies") constitute the entire agreement between you and the Company with respect to your use of this Web site.  The Company reserves the right to revise the Notices and Policies at any time, and encourages you to visit this Web site periodically to check for updates or changes to the Notices and Policies.  Your continued use of the Web site constitutes your acceptance of the Notices and Policies, including any changes.  Users are deemed to be aware of and bound by any changes to these Notices and Policies.

Not all products are available in all states.  For more information, contact a representative of the Company in your state.

The confidentiality obligations and the indemnification obligations shall survive the termination of your limited license to use this Web site.

Last Revised: 07/30/2012

WR 9012

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