Terms and Conditions of Use
These terms and conditions of use set forth the terms and conditions of your access and use of this website, which is owned and operated by American Republic Insurance Company ("American Republic"). American Republic may provide or offer services on certain pages of this website. 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 website, 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 website will be subject to these terms and conditions of use. You may not access or use this website if at any time you do not agree with these terms and conditions of use.
Use of Website: As a visitor of American Republic'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 American Republic. This license does not include any resale or commercial use of this website or its contents, any downloading or copying of information for the benefit of another, or any use which is for unlawful purposes.
You agree to be responsible for all activities occurring under the user id assigned to you by American Republic ("ID"). You agree to notify American Republic immediately of any unauthorized use with respect to your ID or any other breach of security or privacy involving your use of this website. You agree American Republic 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 will not attempt to gain unauthorized access to the services, other accounts, computer systems or networks under the control or responsibility of American Republic, through hacking, cracking, password mining or any other unauthorized means. You will not use this website in any manner which could damage, disable, overburden, or impair this website or interfere with another’s use of this website, without limitation.
Website Content: All materials contained or provided on this website are the copyrighted property of American Republic or its third party licensors. All trademarks, service marks, trade names and trade dress displayed on this website are proprietary to American Republic or its third party licensors. No materials from this website may be copied, reproduced, republished, posted, linked, redistributed, or disseminated in any way without American Republic'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 on the website are registered and unregistered trademarks of American Republic and others. Nothing contained on 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 American Republic or such third party that owns the trademark.
Reservation of Rights: American Republic and its licensors retain all the intellectual property rights in and to all aspects of this website, 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 all requisite rights and authority to agree to these terms and conditions of use and to grant all applicable rights herein; (ii) the performance 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 American Republic.
Viewing the Website: American Republic recommends that you view the website using the most recent versions of Internet Explorer or Netscape Navigator.
To download the most current versions you may click on the following links:
Adobe Acrobat Reader Usage: As part of the electronic signature process, American Republic will launch a new browser window for use of the Adobe Acrobat Reader. The Reader will open an FDF (Forms Data Format) data file to save and export information into an Adobe Portable Document Format (PDF). This PDF may then be viewed, saved or printed on your computer. American Republic will retain both the PDF and FDF records as required by law.
To download a version of Adobe Acrobat, please click on the following link:
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. American Republic recommends that you read and comply with the Adobe website terms and conditions.
It is also notable that the Adobe Reader will require the following system and hardware requirements:
- Intel® Pentium® processor
- Microsoft® Windows 98 Second Edition, Windows Millennium Edition, Windows NT® 4.0 with Service Pack 6, Windows 2000 with Service Pack 2, Windows XP Professional or Home Edition, Windows XP Tablet PC Edition
- 32MB of RAM (64MB recommended)
- 60MB of available hard-disk space
- Internet Explorer 5.01, 5.5, 6.0, or 6.1
For support and assistance with the Adobe Reader, please click on the following link:
http://www.adobe.com/support/products/acrreader.html
Links: This website contains hypertext links to websites of other third parties. American Republic does not control these websites nor is it responsible for their content. The existence of such links does not indicate any approval, endorsement or authentication of any material appearing on such linked websites. The existence of such links does not indicate any association between American Republic and the owners or operators except as specifically set forth on this website or in other American Republic materials. You assume sole responsibility for use of third party links.
Disclaimers and Limitations on Liability: You acknowledge that American Republic 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 American Republic; communications on the Internet may not be secure and may be subject to interception or loss; and certain content available on the Internet is copyrighted and may have been distributed in violation of copyright laws.
You further acknowledge that American Republic has no obligation to review the content posted on the website. Under no circumstances will American Republic 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 website. 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. American Republic does not guarantee continuous, uninterrupted or secure access to the website, and operation of the website may be interfered with by numerous factors outside of American Republic's control. If you are dissatisfied with any portion of the website, or with any of these terms and conditions of use, your sole and exclusive remedy is to discontinue using this website.
This website is provided by American Republic on an “as is” and “as available” basis and American Republic 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 be liable (whether 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 website,) or (ii) any disclosure of information provided to American Republic (even if such disclosure is caused by the negligence of American Republic), except to the extent that such improper disclosure is directly caused by intentional misconduct or gross negligence of American Republic. American Republic does not warrant that this website is free of virus or other harmful components and American Republic will not be liable for damages of any kind arising from the use of this website, including but not limited to, direct, indirect, incidental, punitive, and consequential damages.
Indemnity: You agree to indemnify, and hold harmless American Republic, and its officers, directors, employees, shareholders, policy/certificateholders 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 your use of this website, or any violation of these terms and conditions of use or any applicable law by you.
Contact Information: You may contact us in writing at:
American Republic Insurance Company
Customer Service Center
P O Box 9371
Des Moines, Iowa 50306-9371
You may also contact us by telephone at: 800-247-2190.
Termination: American Republic 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 this website 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 website.
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 or unenforceable provision shall be deemed to be superseded by a valid, enforceable provision that most closely 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 American Republic. 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 by 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 website 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 website 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 website privacy and security practices, and American Republic's other policies/notices posted on this website (collectively "Notices and Policies") constitute the entire agreement between you and American Republic with respect to your use of this website and may be amended only: (i) by an authorized officer of American Republic "executing a writing" amending these Notices and Policies; or (ii) American Republic posting a revised statement of these Notices and Policies. Notice of any revision, amendment, or modification may be posted on American Republic's website and/or on users' start pages and/or by email and/or in various publications and mailings. Users are deemed to be aware of and bound by any changes to these Notices and Policies. For purposes hereon and notwithstanding any law recognizing electronic signatures or records, "executing a writing" shall mean only an amendment or waiver in a tangible form bearing an actual "wet" signature in ink manually applied by each party’s authorized representative, unless both parties agree otherwise by making a specific reference to this terms and conditions of use.
Last Revised: 4/1/04
