Website Terms of Use

The following are terms of a legal agreement ("Agreement") between you and Fidelity Life Association. By accessing, browsing and/or using this website ("Site") you acknowledge that you have read, understood and agree to be bound by these terms and to comply with all applicable laws and regulations. If you do not agree to these terms, do not use this Site. This Site may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Information on this Site may contain technical inaccuracies or typographical errors. Please read this Agreement carefully and be aware that Fidelity Life Association may, in its sole discretion and without notice, revise these terms at any time by updating this posting.

Hyperlinking

Fidelity Life Association makes no representations whatsoever about any other website which you may access through this one. When you access a non-Fidelity Life Association website, please understand that it is independent from Fidelity Life Association, and that Fidelity Life Association has no control over the content on that website, even if Fidelity Life Association provides information or services to the owner of that website. In addition, a link to a non-Fidelity Life Association website does not mean that Fidelity Life Association endorses or accepts any responsibility for the content or the use of such website. In fact, Fidelity Life Association disclaims any and all liability and responsibility for such content. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, Trojan horses and other items of a destructive nature.

Copyrights and Use of Site Content 

The copyright in all materials provided on this Site is held by Fidelity Life Association or by the original creator of the material. Except as stated herein, none of the materials may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of Fidelity Life Association or the copyright owner. Permission is granted to download one copy of the materials on this Site on a single computer for your personal or internal business use only provided that you do not modify the materials and that you retain all copyright and other proprietary notices contained in the materials.

This permission terminates immediately if you breach this Agreement. You may not "mirror" any material contained on this Site without Fidelity Life Association’s express written permission. Any unauthorized use of the materials contained on this Site may violate copyright laws, trademark laws, the laws of privacy and publicity and/or communications regulations and statutes. All content and functionality on this Site, including text, graphics, logos, icons, and images and the selection and arrangement thereof, are the exclusive property of Fidelity Life Association or its licensors and is protected by U.S. and international copyright laws. All rights not expressly granted are reserved.

©2008 Fidelity Life Association
P.O. Box 5030
Des Plaines, IL 60017
Phone 1.800.369.3990
All rights reserved.

"Cookies" and Other Online Information

Subject to the terms of any Fidelity Life Association's privacy notice, you agree that Fidelity Life Association may collect information from you online through its Internet website(s), subject to the following:

  • Fidelity Life Association, like many websites, uses "cookies" (a small text file placed on the user's hard drive) and/or "web bugs" (a small graphic designed to monitor who is reading the page or message) to facilitate site navigation, maintain quality of online service, provide additional security, and allow the customization of your access to Fidelity Life Association. The "cookies" automatically collect information about your computer hardware and software, which can include browser type, access times, and Internet Protocol (IP) address. Fidelity Life Association does not use "cookies" to collect information from third-party websites that you may visit. Fidelity Life Association may personalize your user experience by using information about your interests to recommend other services or sites that might be of interest to you;
  • Fidelity Life Association may also monitor user traffic patterns and site usage to help provide enhancements to its services;
  • Fidelity Life Association may use the information it collects to notify you about new services or special offers;
  • Fidelity Life Association may make use of "cookies" and/or "web bugs" to enable it to store information and prepare customized pages or other personalized aspects of its services; and,
  • Fidelity Life Association reserves the right to reveal any Registration Data or other information in its possession regarding users of its services in cooperation with a request or investigation by any governmental body or governmental agency.

You may opt out of accepting cookies by changing the settings on your browser. However, rejecting cookies may diminish your browsing experience and prevent you from using certain functions. You may have to repeatedly enter information to take advantage of services or promotions. In general, cookies allow Fidelity Life Association to identify you as a particular user and thus provide you with a more customized service. Fidelity Life Association may also use cookies to track customer or user requests, inquiries, and traffic patterns or to determine audience size and repeated usage.

Trademarks

The trademarks, service marks and logos (the "Trademarks") used and displayed on this Site are registered and unregistered Trademarks of Fidelity Life Association. Other trademarks, service marks and trade names may be owned by others. Nothing on this Site should be construed as granting, by implication, any license or right to use any Trademark or any other Fidelity Life Association intellectual property displayed on this Site. Fidelity Life Association aggressively enforces its intellectual property rights to the fullest extent of the law. The name Fidelity Life Association or any other Trademarks may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Site, without prior written permission from Fidelity Life Association. Fidelity Life Association also prohibits use of Fidelity Life Association or any other Trademark as part of a link to or from any site unless establishment of such a link is approved in advance by Fidelity Life Association in writing.

User Postings

You acknowledge and agree that Fidelity Life Association shall own and have the unrestricted right to use, publish, in electronic form and otherwise, distribute and exploit any and all information that you post or otherwise publish on this Site (“Submissions”). You hereby waive any and all claims against Fidelity Life Association for any alleged or actual infringements of any rights of privacy or publicity, moral rights, rights of attribution or any other intellectual property rights in connection with Fidelity Life Association’s use and publication of such Submissions. This means that anything submitted by you to this Site will be owned by Fidelity Life Association and may be used by Fidelity Life Association for any purpose, now or in the future, without any payment to, or further authorization by, you. In the event Fidelity Life Association’s ownership of such Submissions is successfully contested, you automatically grant Fidelity Life Association a perpetual, royalty-free, non-exclusive, unrestricted, worldwide and irrevocable right and license to use, reproduce, modify, publish, translate, prepare derivative works based upon, distribute, perform or display such Submissions, in whole or in part, in any form, media or technology known or hereafter developed for any purpose, including, but not limited to, advertising and promotional purposes.

Fidelity Life Association does not represent or endorse the accuracy or reliability of any Submissions displayed, uploaded, posted on any message board, or otherwise distributed through this Site by any user of this Site, information provider or any other third party. Fidelity Life Association expressly disclaims any and all liability related to Submissions, and you acknowledge that any reliance upon such Submissions shall be at your sole risk. You covenant that you shall not post or otherwise publish on the Site any materials that: (i) are threatening, libelous, defamatory, or obscene; (ii) would constitute, or that encourage conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate law; (iii) infringe the intellectual property, privacy, or other rights of any third parties; (iv) contain a computer virus or other destructive element; (v) contain advertising; or (vi) constitute or contain false or misleading statements. Fidelity Life Association in its sole discretion reserves the right to refuse to post and the right to remove any information or Submission from this Site, in whole or in part, for any reason.

No Services, Endorsement or Professional Consultation 

There may be delays, omissions or inaccuracies in information obtained through your use of this Site. This information is provided to you with the understanding that Fidelity Life Association’s provision of this information to you does not constitute the rendering of investment, consulting, legal, accounting, tax, career or other advice or services. Information on this Site should not be relied upon for making business, investment or other decisions or used as a substitute for consultation with professional advisors. Moreover, Fidelity Life Association does not represent or endorse the accuracy or reliability of any advice, opinion, statement, or other information displayed, uploaded, downloaded or distributed through this Site by Fidelity Life Association, any user, information provider or any other person or entity. You acknowledge that any reliance upon such opinion, advice, statement, memorandum, or information shall be at your sole option and risk. Moreover, Fidelity Life Association does not grant any license or other authorization to you to use this Site in any manner if such use in whole or in part suggests that Fidelity Life Association promotes or endorses any third party’s causes, ideas, political campaigns, political views, websites, products or services.

Access to This Site

Fidelity Life Association may alter, suspend or discontinue this Site or your access to use this Site at any time for any reason without notice or liability to you or any third party. This Site may become unavailable due to maintenance or malfunction of computer equipment or for other reasons and may result in damages to the user’s systems or operations. The user shall be solely responsible for ensuring that any information or content obtained from this Site does not contain any virus or other computer software code or subroutine designed to disable, erase, impair or otherwise damage the user’s systems, software or data.

Disclaimer of Warranties

THE SITE AND ALL MATERIALS THEREON ARE DISTRIBUTED ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, FIDELITY LIFE ASSOCIATION DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. SPECIFICALLY, BUT WITHOUT LIMITATION, FIDELITY LIFE ASSOCIATION DOES NOT WARRANT THAT: (1) THE INFORMATION ON THIS SITE IS CORRECT, ACCURATE OR RELIABLE; (2) THE FUNCTIONS CONTAINED ON THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE; OR (3) DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. 

YOU HEREBY ACKNOWLEDGE THAT USE OF THE SITE IS AT YOUR SOLE RISK. IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542 WHICH PROVIDES: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.”

Limitation of Liability 

UNDER NO CIRCUMSTANCES SHALL FIDELITY LIFE ASSOCIATION OR ANY OF ITS PREDECESSORS, SUCCESSORS, PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, SHAREHOLDERS, INVESTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, ATTORNEYS AND THEIR RESPECTIVE HEIRS, SUCCESSORS AND ASSIGNS BE LIABLE FOR ANY DAMAGES, INCLUDING DIRECT, INCIDENTAL, PUNITIVE, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES THAT DIRECTLY OR INDIRECTLY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS SITE OR THE INFORMATION CONTAINED ON THIS SITE OR OBTAINED FROM YOUR USE OF THIS SITE, INCLUDING FOR VIRUSES ALLEGED TO HAVE BEEN OBTAINED FROM THE SITE, EVEN IF FIDELITY LIFE ASSOCIATION HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL FIDELITY LIFE ASSOCIATION OR ANY OF ITS PREDECESSORS’, SUCCESSORS’, PARENTS’, SUBSIDIARIES’, AFFILIATES’, OFFICERS’, DIRECTORS’, SHAREHOLDERS’, INVESTORS’, EMPLOYEES’, AGENTS’, REPRESENTATIVES’ AND ATTORNEYS’ AND THEIR RESPECTIVE HEIRS’, SUCCESSORS’ AND ASSIGNS’ TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE) OR OTHERWISE EXCEED $1. SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES IN WHICH CASE SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO ALL USERS.

Indemnification 

You hereby indemnify, defend, and hold harmless Fidelity Life Association and all of its predecessors, successors, parents, subsidiaries, affiliates, officers, directors, shareholders, investors, employees, agents, representatives and attorneys and their respective heirs, successors and assigns (collectively, the "Indemnified Parties") from and against any and all liability and costs, including, without limitation, reasonable attorneys’ fees, incurred by the Indemnified Parties in connection with any claim arising out of or relating to any breach by you of this Agreement or the representations, warranties, and covenants you have made by agreeing to the terms of this Agreement. You shall cooperate as fully as reasonably required in the defense of any such claim. Fidelity Life Association reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you.

Entire Agreement 

This Agreement constitutes the entire agreement between you and Fidelity Life Association with respect to the subject matter of this Agreement and supersedes and replaces all prior or contemporaneous understandings or agreements, written or oral, regarding that subject matter. Any waiver of any provision of this Agreement will be effective only if in writing and signed by Fidelity Life Association.

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