Terms and Conditions for Use of the Website
Modified March 13, 2023
This website, fglife.com, is owned and operated by Fidelity & Guaranty Life Insurance Company, or one of its affiliates (collectively, “F&G,” “we,” “our,” and “us”).
These terms of use (“Terms of Use”) govern your use of any websites that we own and control, any online service, including any website or mobile application, that posts a link to these Terms of Use, as well as any interactive features, widgets, plug-ins, applications, content, downloads and other services that we may own and control and make available through any websites that we own and control (collectively, the “Website”), regardless of how you access or use them, whether via personal computers, mobile devices or otherwise. To the extent that we provide you notice on the Website of different or additional terms of use, those additional terms shall govern your use of the Website.
In addition to reading these Terms of Use, please review our Privacy Policy, which applies to our collection, use and sharing of your information on the Website. If you do not agree to the terms of our Privacy Policy or these Terms of Use, please do not access or otherwise use this Website or any information or content contained on the Website.
These Terms of Use may be revised periodically at any time. It is your responsibility to review carefully the current terms and conditions of use that govern your continued use of the Website. When we modify these Terms of Use we will update the Effective Date. Your use of the Website following the posting of updated Terms of Use constitutes your acceptance of such new Terms of Use. As a condition of your use of the Website, you warrant that you will not use the Website for any purpose that is unlawful or prohibited by these Terms of Use, or reproduce or distribute any portions of the Website for any commercial use, except as authorized herein.
1. No Solicitation; Insurance Transactions.
The information and materials contained on the Website do not constitute an offer or solicitation for the sale of any insurance product in any jurisdiction. Some products and features described on the Website may not be available in all jurisdictions or may vary from jurisdiction to jurisdiction, and are generally not available for purchase outside of the United States or in any jurisdiction which has not approved the product. Product descriptions are only partial and certain restrictions apply to various product features; please consult the policy forms and licensed sales representative for full details.
Fidelity & Guaranty Life Insurance Company is a life insurance company organized under the laws of the State of Iowa. Fidelity & Guaranty Life Insurance Company (F&G) is licensed in the District of Columbia, Puerto Rico, and all states of the United States except New York. Fidelity & Guaranty Life Insurance Company of New York, a wholly-owned subsidiary of Fidelity & Guaranty Life Insurance Company, is a life insurance company organized under the laws of the State of New York and is licensed only in New York. F&G is not authorized to transact business outside of the United States, and the website is not intended as a solicitation in any jurisdiction in which F&G is not respectively authorized to transact business. Each F&G company is solely responsible for its product guarantees and commitments.
All insurance transactions are conducted based on signed written agreements between the F&G companies and their customers. No other representation, whether made in person, online, electronically, in written, graphical, or verbal communication, may alter the terms of those agreements.
The information provided on this Website is distributed with the understanding that F&G is not providing professional advice or any type. If you have a question requiring professional advice, such as a question relating to law, tax or financial planning, please seek the advice of your own qualified professional in the relevant field.
2. Intellectual Property.
The design of the Website and its content, including the text, information, data, software, scripts, graphics, photos, videos, interactive features, products, materials, services and the like and any trademarks, service marks and logos contained therein (collectively, “Website Content”), are the property of or are licensed by F&G and are protected by copyright and other intellectual property laws. F&G hereby grants you a limited, non-exclusive, revocable, non-assignable, personal and non-transferrable license to view and download the Website Content for your personal use, provided that you retain all copyright and other proprietary notices on any permitted copies of the materials. You may not otherwise copy, reproduce, modify, adapt, display, perform, publish, create derivative works of, sublicense, translate, sell, rent or otherwise exploit the Website or the Website Content. F&G reserves all rights not expressly granted in and to the Website and the Website Content. You agree to not engage in the use, copying, or distribution of any of the Website Content, whether manually or by using a robot, scraper, crawler or any other automated device or process, other than as expressly permitted herein or as reasonably necessary to use the Website for its intended purpose, including any use, copying, or distribution of Website Content for any commercial purposes. You will not obtain any ownership interest in the Website Content.
The display of any trade names, trademarks, service marks, logos, or domain names on this Website does not imply that a license of any kind has been granted to you with respect to such trade names, trademarks, service marks, logos, or domain names, except as explicitly stated herein. Any unauthorized downloading, re-transmission or other copying or modification of trade names, trademarks, service marks, logos or domain names may be a violation of trademark laws and could subject you to legal action.
3. Website Use and Restrictions.
Any unauthorized use of the Website or Website Content for any purpose is prohibited. Your rights to the Website are given on the condition that you use the Website in accordance with these Terms of Use. You may not use the Website for any unlawful purpose and you may not:
- access, solicit, collect or use any personally identifying information about any other users of the Website or anyone else;
- restrict or inhibit others from using the Website;
- transmit to or introduce at the Website any viruses, harmful software, or other modifications or changes to the Website or reverse engineer, decompile, disassemble, reverse assemble or modify any Website source or object code or any software or other services or processes accessible through any portion of the Website or Website Content;
- submit, upload, email or otherwise transmit any content or other materials, to or through the Website which (a) is threatening, abusive, defamatory, obscene, vulgar, offensive, or otherwise objectionable, or which may harm minors; (b) infringes or violates the rights of others, or (c) has an advertising, political marketing, promotional or other commercial purpose;
- engage in any activities that interfere with another user’s access to the Website or the proper operation of the Website; or
- distribute or copy any Website Content manually or by using any robot, scraper, crawler, or any other automatic device or process; frame or utilize framing techniques to enclose any Website Content; or use content from our Website in a manner that suggests an unauthorized association with any of our or our licensor’s products, services or brands.
F&G has no obligation to monitor your interaction with the Website, but reserves the right to review or monitor the Website in its sole discretion.
4. Stock Quote Disclaimer.
Any stock price available through this Website may be delayed, and is provided for informational purposes only and is not intended for trading purposes. F&G and its affiliates or its stock information provider will not be liable for any inaccuracies or delays in any stock quotes provided, or for any actions you might take in reliance thereon.
5. Forward-Looking Statements.
Certain portions of the Website may contain forward-looking statements, including statements regarding F&G’s future performance and strategy. These statements are subject to risks and uncertainties that could cause actual results to differ materially from those projected in these forward-looking statements. These risks and uncertainties include, among others, market, legal and regulatory risks, and the other factors described under the headings “Risk Factors” and “Cautionary Statement Regarding Forward-Looking Statements” in F&G’s most recent public filing made with the U.S Securities and Exchange Commission. Forward-looking statements speak only as of the date first made, unless another date is indicated. We caution you not to place substantial reliance on the forward-looking statements and we undertake no obligation to update or revise the statements.
6. Modifications to Policies, Prices and Terms.
By providing material, such as policy descriptions, on the Website, F&G does not in any way promise that the materials will remain available to you or that you will qualify for any of the products or services we offer. F&G RESERVES THE RIGHT, AT ANY TIME, TO CHANGE ITS PRODUCTS, SERVICES, AND PRICING, EFFECTIVE IMMEDIATELY UPON POSTING ON THE WEBSITE OR APPLICATIONS OR BY E-MAIL DELIVERY TO YOU.
7. Links to Other Websites.
In using the Website, you may find that F&G provides hyperlinks to one or more third-party websites (the “Linked Sites”). F&G provides these links as a convenience for you and other users but is not responsible for the content of, or links to and from, the Linked Sites. Your linking to these Linked Sites is at your own risk. We encourage you to read the terms and conditions and privacy policies of the respective Linked Sites, should you choose to visit them since your use of those Linked Sites will be subject to their terms of use and privacy policies. A link from the Website does not imply a relationship with, or endorsement of, the Linked Site(s) or its content, purpose, policies, or business practices by F&G.
SEE SECTION 13 BELOW FOR IMPORTANT LIMITATIONS ON THE TERMS OF THIS SECTION 7.
8. United States Operations.
F&G controls and operates the Website from its offices in the United States, and makes no representation that the Website is appropriate or available for use beyond the United States. If you use the Website from other locations, you are doing so at your own risk and are responsible for compliance with applicable local laws regarding your online conduct and acceptable content, if and to the extent local laws apply. The Website may describe products and services that are available only in certain states of the United States (or only parts of it). We reserve the right to limit the availability of the Website and/or the provision of any Website Content, product, service, or other feature described or available on the Website to any person, entity, geographic area, or jurisdiction, at any time and in our sole discretion, and to limit the quantities of any content, product, service, or other feature that we provide.
9. Disclaimers.
You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.
Your access to and use of this Website are at your sole risk. You are entirely liable for your activities. F&G does not warrant to the accuracy, completeness, timeliness, availability, usefulness or other characteristics of the Website or any Website Content. This Website and the information on it are provided on an “as is” and “as available” basis. F&G makes no representation or warranty of any kind, expressed or implied, and hereby disclaims all warranties, including any warranties of merchantability, fitness for a particular purpose or non-infringement. F&G does not warrant that the Website is free of viruses, worms, Trojan horses or other harmful components.
F&G shall not be responsible or liable, directly or indirectly, for any loss or damage, including any lost profits, lost savings or any direct, indirect, incidental or consequential damages, caused by use of, or reliance on, or inability to use or access, or delays in, or inaccuracies or errors or defects or omissions in, the Website, whether resulting from impaired or lost data, software or computer failure or any other cause, regardless of the claim as to the nature of the cause of action, and even if F&G has been advised of the possibility of such damage or loss.
You hereby expressly release F&G, its affiliates and their respective officers, directors, employees and agents from any and all liability or responsibility for any damage caused, directly or indirectly, to you or any third party as a result of use of the Website or the Website Content, including any content or file downloaded or accessed. You specifically acknowledge that F&G shall not be liable for defamatory, offensive, harmful or illegal conduct of any third party, and that the risk of harm or damage from the foregoing rests entirely with you.
SEE SECTION 13 BELOW FOR IMPORTANT LIMITATIONS ON THE TERMS OF THIS SECTION 9.
10. Indemnification.
You agree to defend, indemnify and hold F&G, its affiliates and their respective employees, agents, officers, directors, contractors, suppliers and other representatives harmless from and against all liabilities, damages, demands, settlements, claims, actions, costs and expenses (including reasonable attorneys’ fees) in connection with or arising from your use of the Website and the Website Content or your violation of these Terms of Use. F&G may participate in the defense of any claim or action at your expense and any negotiations for settlement. F&G reserves the right, on notice to you, to assume exclusive defense and control of any claim or action subject to indemnification by you, without relieving you of your indemnification obligations hereunder. Upon learning of a claim by a third party that your use violates or allegedly violates a third party’s rights, you agree to promptly notify F&G of any such claim. You agree to cooperate with us as reasonably required in the defense of any such claims, and you shall not in any event settle any such claim or matter without the written consent of F&G.
SEE SECTION 13 BELOW FOR IMPORTANT LIMITATIONS ON THE TERMS OF THIS SECTION 10.
11. Severability and Interpretation.
If any provision or portion of these Terms of Use is held to be illegal, invalid, or unenforceable, in whole or in part, it shall be modified to the minimum extent necessary to correct any deficiencies or be replaced with a provision which is as close as is legally permissible to the provision found invalid or unenforceable and shall not affect the legality, validity or enforceability of any other provisions or portions of these Terms of Use.
SEE SECTION 13 BELOW FOR IMPORTANT LIMITATIONS ON THE TERMS OF THIS SECTION 11.
12. Applicable Law.
These Terms of Use are governed by the laws of the State of Iowa without respect to any conflict of laws provisions. If any provision or provisions of these Terms of Use shall be held to be invalid, illegal or unenforceable, the validity, legality or enforceability of the remaining provisions shall not in any way be affected or be impaired thereby. You agree that any dispute between you and F&G arising from your use of the Website shall be brought exclusively in the state or federal courts of competent jurisdiction in the State of Iowa.
IF YOU ARE A CONSUMER, HOWEVER, THIS PROVISION SHALL NOT BE CONSTRUED TO LIMIT YOUR RIGHTS UNDER CONSUMER PROTECTION LAWS OF YOUR STATE OF RESIDENCE AS SET FORTH IN SECTION 13.
13. Exclusions and Limitations; Consumer Protection Notice.
If you are a consumer, the provisions in these Terms of Use are intended to be only as broad and inclusive as is permitted by the laws of your state of residence. Certain states, like New Jersey, have heightened consumer protection laws that may make certain terms of these Terms of Use inapplicable to you. Specifically, if you are a New Jersey consumer, the terms of Sections do not limit or waive your rights as a consumer under New Jersey law and the provisions in these Terms of Use, as they pertain to you, are intended to be only as broad and inclusive as is permitted by the laws of the State of New Jersey. No provision of these Terms of Use shall limit or waive your rights as a consumer under the law of your state of residence. In any event, F&G reserves all rights, defenses and permissible limitations under the law of your state of residence.
14. User Comments.
You acknowledge and agree that any questions, comments, suggestions, ideas, feedback or other information that you provide to F&G are not confidential and you grant us a worldwide, royalty-free license to distribute, publish, modify, edit or otherwise use your submissions. F&G shall be entitled to the unrestricted use and dissemination of these submissions for any purpose, commercial or otherwise without any acknowledgement of or compensation to you.
15. Ability to Accept Terms.
You affirm that you are the age of majority in your jurisdiction and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms of Use, and to abide by and comply with these Terms of Use. The Website is not intended for children under the age of eighteen (18). If you are under 18 years of age, then please exit now and do not use the Website.
16. Termination.
The rights granted to you herein terminate immediately upon any violation (as F&G may determine in its sole and absolute discretion) by you or these Terms of Use. F&G, in its sole discretion, reserves the right to temporarily or permanently terminate your access to and use of the Website at any time and for any reason whatsoever, without notice or liability. F&G will not be liable to you or any third party for any termination of your access to or use of this Website.
17. Contact Us.
If you have any questions regarding our Terms of Use, practices, or your use of the Website, please contact us at:
888.513.8797
801 Grand Ave
26th Floor
Des Moines, IA 50309
U.S.A.
23-0824