Illinois Mutual Online Privacy Policy

We value your privacy and recognize the trust that you have placed with us to handle your Personal Information. Any information that can be used singly or together to identify you as an individual is Personal Information. As a part of our corporate values, we strive to not only comply with the letter of the law, but also the spirit of privacy laws.

This Online Privacy Policy contains information regarding the practices we use regarding information that you may voluntarily give to us or that we may collect automatically when you visit our website, www.IllinoisMutual.com, any Illinois Mutual domain or subdomain, the pages accessible after you log in to a private part of the website, such as the My Policy site, Employer Protal or Agent Portal, and our social network pages (collectively “Platforms”). This Online Privacy Policy also applies to information that you may provide to us or that we may collect in the process of providing service to you or your account. Further information on how we specifically collect and use your information to provide insurance services to you is contained in our Customer Privacy Notice.

By accessing our website and Platforms, you agree to the terms and conditions contained in this Policy. If you do not agree with this Policy, please discontinue using our website and Platforms.

Information We Collect and Use

We collect information when you voluntarily provide it to us. For example, on the Illinois Mutual website or our Platforms, we may collect your name, email, telephone number, home address, and demographic information (such as zip code and age) when you indicate that you want to learn more about becoming an agent. We also may collect your account number or social security number, in addition to other contact information, when you log in to our Platforms. We use this information to provide you services at your request, to provide access to our Platforms; to verify your identity; and to tailor the content of our website and advertisements that we may show to you. We also use the information for the purposes provided to you at the time of collection and with your consent.

We automatically collect analytical and technical information from your computer, mobile phone, tablet or other device (collectively “Device”) when you visit our website or our Platforms. Whenever you visit or interact with our website and Platforms, we may use a variety of technologies that automatically or passively collect information. This information may include browser type, Device type, operating system, application version, the page served, the time, the preceding page views, location data, and your use of the website. We use this information to make our website and Platforms more user-friendly and relevant to our visitors.

We also automatically collect your IP address or other unique identifier from your Device. We may use your IP address to, among other things, administer the website, help diagnose problems with our servers, analyze trends, and track users’ web page movements. We collect this information by using cookies (data files that are placed on your Device when it is used to visit our website) or pixel tags (transparent graphic images also known as web beacons, placed on web page or in an email, which indicates that a page or email has been viewed).

We use cookies and pixel tags to ensure better performance and a more enjoyable and consistent user experience. The cookies pixel tags also gather aggregated, non-identifiable website statistics through website analytic services. Cookies and pixel tags may also be used to associate you with social networking sites like Facebook and LinkedIn. We, or our vendors, may place cookies or pixel tags on your device for security purposes, to facilitate site navigation, to perform analytics, and personalize your experience while visiting our Platforms (such as allowing us to select which ads or offers are most likely to appeal to you, based on your interests, preferences, location, or demographic information).

This website does not contain any functionality to respond to or honor web browser "do not track" signals or other similar mechanisms, and thus does not respond to or honor such signals or mechanisms. Most web browsers allow users to set their preferences with respect to managing cookies, including accepting or rejecting cookies. Please refer to your browser’s help menu or tools to learn how to manage your cookie preferences. The website does not require a user to use cookies, but it is possible that certain services may not function properly if a user chooses to refuse to receive a cookie.

Information We Share

Except as described in this Online Privacy Policy or in our Customer Privacy Notice, we will not provide any of your identifying information, or Personal Information, to any third parties without your specific consent. We may share non-Personal Information, such as aggregate data and usage information with third parties. We may also share your Personal Information as disclosed to you at the time you provide your information, and for the following reasons:

  • To fulfill a transaction you requested or service your policy and for our everyday business purposes.

  • To handle your claim.

  • To prevent fraud.

  • To comply with requests from regulatory and law enforcement authorities. In certain situations, we may be required to disclose Personal Information in response to a subpoena, legal process, or lawful requests by public authorities, including to meet national security or law enforcement requirements.

  • To participate in insurance support organizations.

The persons or organizations with whom we may share your Personal Information may include, among others:

  • Agents for the servicing of your policy.

  • Nonaffiliated companies in order to perform standard business functions on our behalf including those related to maintaining your account or policy; providing marketing services; analyzing data; and processing transactions and payments that you request or authorize.

  • Other insurance companies that play a role in an insurance transaction with you.

  • Businesses that conduct actuarial or research studies.

  • Those who request information pursuant to a subpoena or court order.

  • Claims investigators and governmental investigators.

We do not sell any Personal Information that we receive from visitors to our website, or that of customers or agents. Additionally, we require that any vendors or third parties who have access to your Personal Information keep such Personal Information confidential and take measures to keep such Personal Information secure.

Data Security

We use security measures to protect and maintain the confidentiality and security of your Personal Information. However, you should use your own judgment in connection with the disclosure of any Personal Information by e-mail or transmission over the internet. Transmission by e-mail or over the internet is never completely secure, and any information submitted may be intercepted, used and/or disclosed by others. We cannot guarantee the security of information that you send to us via e-mail, and we are not responsible for the security of communications you send to us through e-mail or over the internet. You use our website and provide us with any information at your own risk.

Links to Third Party Sites

Our website may contain links to other websites which we do not control or operate. We are not responsible for the protection of any information which you provide while visiting such sites. This Online Privacy Policy does not apply to other websites, and you should review the privacy statement of the website you are visiting.

Children Under the Age of 13

This website and our products are not directed to children under the age of 13. We do not knowingly collect, use or disclose Personal Information from anyone under 13 years of age on this website. If we determine upon collection that a user is under this age, we will not use or maintain his/her Personal Information without the parent/guardian’s consent. If we become aware that we have unknowingly collected Personal Information from a child under the age of 13, we will make reasonable efforts to delete such information from our records.

Changes to Our Online Privacy Policy

We will post any changes to our Online Privacy Policy to this page. You should check our Online Privacy Policy regularly to keep aware of any changes.

Questions

If you have any questions about this Online Privacy Policy, please contact us at
Illinois Mutual Life Insurance Company
300 S.W. Adams Street
Peoria, IL 61634
309-674-8255
[email protected]

Revised 10/2021

Illinois Mutual Privacy Policy for California Residents

We value your privacy and recognize the trust that you have placed with us to handle your personal information. As a part of our corporate values, we strive to not only comply with the letter of the law, but also the spirit of the privacy laws.

This Privacy Policy for California Residents contains disclosures required by California law. This Privacy Policy, specific to California residents, provides information about your rights and how we use information that you may voluntarily give to us or that we may collect automatically when you visit our website, www.IllinoisMutual.com, any Illinois Mutual domain or subdomain, and the pages accessible after you log in to a private part of the website, such as the My Policy site, Employer Portal, or Agent Portal (collectively “Platforms”). This Privacy Policy also applies to information that you may provide to us or that we may collect in the process of providing service to you or your account. Please also see our Illinois Mutual Online Privacy Policy and Privacy Notice for more information.

Please note that some of your personal information may be exempt from some of the rights conveyed by the California privacy laws. However, that personal information may be covered by other privacy laws, such as the Gramm Leach Bliley Act.

Information We Collect

We collect information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household (“Personal Information”). Within the last twelve (12) months, we collected the following categories of Personal Information from the sources identified below for the business purposes indicated. When we disclose Personal Information to the third parties indicated below, we enter into a contract with that third party that describes our purpose and requires the third party to keep that Personal Information confidential and not use it for any purpose except to perform the contract. We have not sold or shared Personal Information in the past year.

Category of Personal InformationExamplesSources of Personal InformationBusiness or Commercial Purpose for Which UsedThird Parties to Whom the Information Is DisclosedReasons for Disclosing
IdentifiersReal name, postal address, Internet Protocol address, online identifiers, email address, account name, social security number, driver’s license numberDirectly from our customers. For example, through forms you complete and/or products you purchase. Also directly and indirectly from activity on the Platforms. For example, form submissions through the My Policy site, the Employer Portal or the Agent Portal. We may also collect internet protocol addresses (IP addresses) through tracking technologies when you access our website, including cookies, Web beacons, embedded scripts, browser fingerprinting, Entity Tags, recognition technologies, and location identifying technologies. We may also obtain this information from third-parties that interact with us in connection with the products we provide. For example, we may obtain information from vendors to market to potential agents.To provide services and products requested by the customer; To engage agents; To fulfill or meet the reason you provided the information; Marketing; For internal business purposesService providers, government agencies or to protect the rights of our company or others, agents related to your policyTo further a business purpose; To protect the rights of our company or others
Personal Information Categories Listed in the California Customer Records statute (Cal. Civ. Code 1798.80(e))Name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, employment, bank account number, or any other financial information, or medical information.Directly from our customers. For example, through forms you complete and/or products you purchase. Also directly and indirectly from activity on the Illinois Mutual websites. For example, form submissions through the My Policy site or the Agent Portal or the Employer Portal. We may also obtain this information from third-parties that interact with us in connection with the products we provide. For example, we may obtain information from vendors to market to potential agents.To provide services and products requested by the customer; To engage agents; To fulfill or meet the reason you provided the information; Marketing; For internal business purposesService providers; government agencies or agents related to your policyTo further a business purpose; To protect the rights of our company or others
Characteristics of protected classifications under California or federal lawAge (40 years and older), national origin, citizenship, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), genetic information (including familial genetic information).Directly from our customers. For example, through forms you complete and/or products you purchase.To provide services and products requested by the customer; To engage agents; To fulfill or meet the reason you provided the information; For internal business purposesService providers; Government agencies or agents related to your policyTo further a business purpose; To protect the rights of our company or others
Commercial InformationRecords of products purchased, obtained, or considered.Directly from our customers. For example, through forms you complete and/or products you purchase. Also directly and indirectly from activity on the Illinois Mutual websites.To provide services and products requested by the customer; to engage agents; To fulfill or meet the reason you provided the information; For internal business purposesService providers, Government agencies or agents related to your policyTo further a business purpose; To protect the rights of our company or others
Biometric InformationPhysiological characteristics, such as an an individual’s voice recordings, from which an identifier template, such as a voiceprint, can be extractedDirectly from our customers. For example, through recorded telephone calls you may make to our Company.To provide services and products requested by the customer; To engage agents; To detect fraudulent or deceptive activity; For internal businessvpurposesGovernment agenciesTo protect the rights of our company or others
Internet or other electronic network activity informationBrowsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement.Directly and indirectly from activity on the Illinois Mutual websites. For example, form submissions through the My Policy site, the Employer Portal or the Agent Portal. We may also collect internet protocol addresses through tracking technologies when you access our website, including cookies, Web beacons, embedded scripts, browser fingerprinting, Entity Tags, recognition technologies, and location identifying technologies.For operational purposes to optimize a consumer’s interaction with our websites; To personalize your website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our website, third-party websites, and via email (with your consent, where required by law)Service providers, Government agenciesTo further a business purpose; To protect the rights of our company or others
Geolocation dataPhysical locationDirectly from our customers. For example, through forms you complete and/or products you purchase. We may also gather this information indirectly from activity on the Illinois Mutual websites. For example, form submissions through the My Policy site, the Employer Portal or the Agent Portal. We may also collect internet protocol addresses through tracking technologies when you access our website, including cookies, Web beacons, embedded scripts, browser fingerprinting, Entity Tags, recognition technologies, and location identifying technologies.To provide services and products requested by the customer; to engage agents; To fulfill or meet the reason you provided the information; For internal business purposesService providers, Government agencies or to agents related to your policy, or to provide you with a local agentTo further a business purpose; To protect the rights of our company or others
Sensory DataAudio, electronic, visual, thermal, olfactory, or similar informationDirectly from our customers or agents.To provide services and products requested by the customer; To engage agents; To fulfill or meet the reason you provided the information; For internal business purposesService providers, Government agencies or agents related to your policyTo further a business purpose; To protect the rights of our company or others
Professional or employment-related informationCurrent and/or past employment history including performance evaluationsDirectly from our customers, employees or applicants with their consent.To provide services and products requested by the customer; To engage agents; To fulfill or meet the reason you provided the information; For internal business purposesService providers, Government agencies, or to agents related to your policyTo further a business purpose; To protect the rights of our company or others
Education InformationEducation information directly related to a studentDirectly from our customers or from employment applicants.To provide services and products requested by the customer; To fulfill or meet the reason you provided the information; For internal business purposesService providers, government agenciesTo further a business purpose; To protect the rights of our company or others
InferencesAny information used to create a profile about the consumer or the consumer’s preferences, characteristics, psychological trends, predisposition, behavior, attitudes, intelligence, abilities and aptitudesDirectly and indirectly from activity on the Illinois Mutual websites. For example, form submissions through the My Policy site, the Employer Portal or the Agent Portal. We may also collect internet protocol addresses through tracking technologies when you access our website, including cookies, Web beacons, embedded scripts, browser fingerprinting, Entity Tags, recognition technologies, and location identifying technologies.To provide services and products requested by the customer; To engage agents; To fulfill or meet the reason you provided the information; For internal business purposesService providersTo further a business purpose

We do not sell or share your Personal Information or the Personal Information of minors under 16 years of age.

We retain your Personal Information for at least as long as required by statute or regulation. Most of the Personal Information we collect and retain is related to policyowners, their insurance policies, and agents. For other Personal Information, such as internet protocol address or internet and electronic network connectivity information that is gathered for analytical purposes, the retention period is generally no longer than 14 months.

Sensitive Personal Information, such as social security numbers, driver’s license numbers, financial account numbers and health information, is used for underwriting purposes, to appoint agents, to service insurance policies, and for claims handling purposes. We do not use or disclose Sensitive Personal Information for other purposes.

Your Privacy Rights

Right to Know

You have the right to request that we disclose to you the personal information we collect, use, or disclose about you.

Right to Request Deletion

You have the right to request that we delete your personal information, subject to certain exceptions.

Right to Correct

You have the right to correct any inaccurate information that we maintain about you.

How to Exercise Your California Privacy Rights

You may email us at [email protected] or call (877) 340-2407 to make a request related to your California privacy rights. You may use the same methods if you have any questions or concerns about our privacy policy or information practices.

Only you, or someone legally authorized to act on your behalf, may make a request related to your personal information. You may also make a request on behalf of your minor child. You may appoint an authorized agent to make a request for you. You will need to provide the authorized agent written permission to act on your behalf, provide us with the written permission, and then we will require you to verify your identity directly with us.

Making a request does not require you to create an account with us. In order to make a request, you must provide some personal information, such as your name, telephone number, home address and email address, so that we can authenticate your request. We may also request your insurance policy number or agent number to verify your identity.

We will only use personal information provided in a request to verify the requestor's identity or authority to make the request. We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.

Right to Non-Discrimination for Exercise of Consumer Privacy Rights

We will not discriminate against you because you have chosen to exercise any of your privacy rights described above.

Children Under the Age of 13

This website and our products are not directed to children under 13. We do not knowingly collect, use or disclose personally identifiable information from anyone under 13 years of age. If we determine upon collection that a user is under this age, we will not use or maintain his/her Personal Information without the parent/guardian’s consent. If we become aware that we have unknowingly collected personally identifiable information from a child under the age of 13, we will make reasonable efforts to delete such information from our records.

Changes to Our Online Privacy Policy

We will post any changes to this Privacy Policy for California Residents to this page. You should check our Privacy Policy regularly to keep aware of any changes.

Questions

If you have questions about this policy, please contact us at:

 

Contact Information CategoryContact Information Details
Phone:(877) 340-2407
Website:

IllinoisMutual.com

Email:

[email protected]

Address:Illinois Mutual Life Insurance Company
Attn: Privacy Officer
300 S.W. Adams
Peoria, IL 61634

 

Effective: 1/2023

Illinois Mutual Customer Privacy Notice

What does Illinois Mutual Life Insurance Company do with your personal information?

Why?

Financial companies choose how they share your personal information. Federal law and state law give consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

How?

All financial companies need to share customer personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer personal information; the reasons Illinois Mutual Life Insurance Company chooses to share; and whether you can limit this sharing.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Personal Information, such as name, address and Social Security number

  • Demographic Information

  • Employment Information, such as employment history

  • Medical Information, such as medical history and records

  • Financial Information, such as account numbers

  • Internet or Other Electronic Network Activity Information, such as browsing history or IP address

  • Insurance Product Information, such as policy numbers and policy values

When you are no longer our customer, we continue to share your information as described in this notice.

Reasons we can share your personal informationDoes Illinois Mutual share?Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYesNo
For our marketing purposes — to offer our products and services to youYesNo
For joint marketing with other financial companiesNoNo
For our affiliates’ everyday business purposes —information about your transactions and experiencesNoNo
For our affiliates’ everyday business purposes —information about your creditworthinessNoNo
For nonaffiliates to market to youNoNo

Questions?

Call 1-800-437-7355, ext. 436 or send email to [email protected]

Who We Are

Who is providing this notice?

Illinois Mutual Life Insurance Company, 300 SW Adams Street, Peoria, IL 61634

What We Do

How does Illinois Mutual protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with state and federal law. These measures include computer safeguards, access limitations, and secured files and building.

How does Illinois Mutual collect my personal information?

We collect your personal information, for example, when you:

  • apply for a product.

  • make a claim.

  • communicate.

  • transact with us.

  • apply to become an agent.

We also obtain information from your healthcare providers, employers, and other insurance companies. With your authorization, we may use insurance support organizations to collect information and provide an investigative consumer report to us. That organization may keep the report and disclose its contents to other companies.

Who does Illinois Mutual share your personal information with?

  • Agents

  • Reinsurers

  • Medical Professionals

  • Service Providers who are under contract to not further disclose your information

Why can't I limit all sharing?

Federal law gives you the right to limit only:

  • sharing for affiliates’ everyday business purposes – information about your creditworthiness.

  • affiliates from using your information to market to you.

  • sharing for nonaffiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.

Access and Correction

Illinois Mutual has procedures by which you can obtain access to personal information about you appearing in our policy files and by which you may request a correction, amendment or deletion of information you believe is inaccurate. Please notify us if you think any information is incorrect, and we will review it. If we agree, we will correct our files. If we do not agree, you may submit a statement which we will keep in your file and provide with any future disclosure of the disputed information.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. Illinois Mutual does not have any affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies. These are service providers that perform business functions.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Illinois Mutual does not joint market.

Illinois Mutual Mobile App Terms and Conditions

Terms and Conditions

1. About these Terms and Conditions

1.1 Illinois Mutual Life Insurance Company is a premier provider of life insurance, worksite, and disability insurance products, headquartered in Peoria, IL, and incorporated in the state of Illinois with a registered address of 300 SW Adams St, Peoria, IL 61634.

1.2 In these Terms and Conditions:

  • “Application Store” means the digital distribution service operated and developed by Apple Inc. (Apple App Store) or Google Inc. (Google Play Store) in which the Application has been downloaded.

  • “Account” means a unique account created for You to access Our Service or parts of Our Service.

  • “Company” (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Illinois Mutual Life Insurance Company.

  • “Country” refers to United States of America.

  • “Service” refers to the Website and/or mobile app.

  • “Terms and Conditions” (also referred as "Terms") mean these Terms and Conditions that form the entire Agreement between You and the Company regarding the use of the Service.

  • “Website” refers to Illinois Mutual’s website, accessible from https://www.IllinoisMutual.com.

  • “You” means the individual accessing or using the Service, or the Company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

2. Acceptance and Acknowledgement of the Terms and Conditions

2.1 Your access to, and use of, the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions, which set forth the rights and obligations of all users of the Service. These Terms and Conditions apply to all visitors, users and others who access or use the Service. If you do not agree with these Terms, discontinue using this Service.

2.2 You represent that You are over the age of 18. The Company does not permit those under the age of 18 to use the Service.

2.3 Your access to, and use of, the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.

3. What is "Illinois Mutual Leaders' Trip"?

3.1 Illinois Mutual Leaders’ Trip is Illinois Mutual’s online tool for viewing your personalized itinerary information. Signing of required waivers is also available through the use of Illinois Mutual Leaders’ Trip.

3.2 You will gain access to Your account through a pre-determined password set by Illinois Mutual.

4. User Accounts

4.1 Company will create You an account using information provided by You through the registration portal. You must provide Us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of Your account on Our Service.

4.2 You are responsible for safeguarding the password that You use to access the Service and for any activities or actions under Your password, whether You choose to change the password preset for you by the Company or not. You further agree not to disclose Your password to any third party. You must notify Us immediately upon becoming aware of any breach of security or unauthorized use of Your account.

5. Your Conduct

5.1 You agree not to:

  • 5.1.1 attempt to reverse engineer or sell, export, license, modify, copy, distribute or transmit the Service to any third party, or jeopardize the correct functioning of the Service, or otherwise attempt to derive the source code of the software (including the tools, methods, processes, and infrastructure) that enables or underlies the Service;

  • 5.1.2 attempt to gain access to secured portions of the Service to which You do not possess access rights;

  • 5.1.3 conduct Yourself in a vulgar, offensive, harassing or objectionable manner while using the Service;

  • 5.1.4 resell or export the software associated with the Service;

  • 5.1.5 use the Service to generate unsolicited advertisements or spam;

  • 5.1.6 use any automatic or manual process to search or harvest information from the Service, or to interfere in any way with the proper functioning of the Service;

  • 5.1.7 engage in any activity or transmit any information that is illegal, or violates any law in the jurisdiction in which You are based, or from which You are using any Service;

  • 5.1.8 interfere with any other person’s use and enjoyment of any of the Service;

  • 5.1.9 remove, circumvent, disable, damage, or otherwise interfere with security-related features of any Service; or attempt to do any of the foregoing.

6. Company Rights

6.1 The Company may exercise the following rights with immediate effect by giving written notice to You notifying You of a breach to these Terms, such breach not having been remedied to the reasonable satisfaction of the Company:

6.2 The right to refuse or withdraw Your access to the Service if you breach any of these Terms; and

6.3 The right to report You to the police or other judicial body if the Company believes in its sole and absolute discretion that Your conduct is unlawful.

7. Intellectual Property

7.1 The Service and its original content, features and functionality are and will remain the exclusive property of the Company and its licensors. Company trademarks may not be used in connection with any product or service without prior written consent of the Company.

7.2 All other trademarks not owned by The Company that appear in connection with the Service are the property of their respective owners, who may or may not be affiliated with, connected to or sponsors of the Company.

8. Data Protection

8.1 You provide the Company with information when You register an account or through third party vendors. We also collect information both relating to You and to users of the Service and the Services in general. Any information that You submit or that We collect when You are using the Service is subject to the Company’s Privacy Policy, the terms of which are hereby incorporated into these Terms.

8.2 Our Service may contain links to third-party websites or services that are not owned or controlled by the Company. The Company has no control over, and assumes no responsibility for, the content, privacy policies or practices of any third-party websites or services. You are strongly advised by the Company to read the terms and conditions and privacy policies of any third-party websites or services that You visit.

9. General Terms

Limitation of Liability

Except as expressly provided in these Terms, neither Party shall be liable to the other Party for any indirect, incidental, or consequential damages (including without limitation, damages resulting from loss of use, loss of profits, interruption or loss of business, lost goodwill, lost revenue and lost opportunity) arising out of any of the Terms or Conditions of this Agreement or with respect to its performance hereunder. The foregoing limitation of liability and exclusion of damages applies even if a Party had or should have had knowledge, actual or constructive, of the possibility of such damages. The foregoing limitation of liability and exclusion of damages shall apply whether a claim is based on breach of contract, breach of warranty, tort (including negligence), product liability, strict liability or otherwise, and notwithstanding any failure of essential purpose of any limited remedy herein. Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each Party's liability will be limited to the greatest extent permitted by law.

Indemnity

You agree to indemnify and hold the Company, including their respective directors, officers, employees, agents and merchant partners harmless from and against any third-party claim or cause of action, including reasonable attorneys’ fees and court costs, arising, directly or indirectly, out of Your use of the Services.

Governing Law and Jurisdiction

The laws of Illinois, excluding its conflicts of law rules, shall govern these Terms and Your use of the Service. Your use of the Service may also be subject to other local, state, national, or international laws.

Termination

The Company may terminate or suspend Your Account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms. Upon termination, Your right to use the Service will cease immediately. If you wish to terminate Your Account, You may simply discontinue using the Service.

Warranty

The Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected. Without limiting the foregoing, the Company makes no representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components. Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But, in such a case, the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

Dispute Resolution

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute by contacting the Company.

United States Legal Compliance

You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a Party's ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.

Changes to Terms

The Company reserves the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material, We will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.

By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised Terms. If You do not agree to the new Terms, in whole or in part, please stop using the Website and the Service.

Questions

If you have any questions about these Terms and Conditions, please contact Us at:
Illinois Mutual Life Insurance Company
300 SW Adams Street
Peoria, IL 61634
309-674-8255
[email protected]