Terms and Conditions for Use of the Website
Modified December 20, 2020
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”).
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.
The information and materials contained on this website do not constitute an offer or solicitation for the sale of any insurance product in any jurisdiction. Some products and features described on this site 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.
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.
- 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.
SEE SECTION 12 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.
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 12 BELOW FOR IMPORTANT LIMITATIONS ON THE TERMS OF THIS SECTION 9.
SEE SECTION 12 BELOW FOR IMPORTANT LIMITATIONS ON THE TERMS OF THIS SECTION 10.
11. Severability and Interpretation.
SEE SECTION 12 BELOW FOR IMPORTANT LIMITATIONS ON THE TERMS OF THIS SECTION 11.
12. Applicable Law.
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 12.
13. Exclusions and Limitations; Consumer Protection Notice.
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.
17. Contact Us.
601 Locust Street
Des Moines, IA 50309