Terms and Conditions

TERMS AND CONDITIONS

For purposes of this Terms and Conditions statement only “We (or Us and Our)” is defined as CS Marketing Resources, Inc. and COUNTRY® Insurance & Financial Services, its parent, affiliates and subsidiaries, including but not limited to COUNTRY Life Insurance Company®, COUNTRY Investors Life Assurance Company®, and CC Services Inc.

These terms and conditions are applicable to use of this website, regardless of how you accessed it.

Please read these Terms and Conditions carefully. By making use of this website, you agree to be bound by the Terms and Conditions set out below and any additional terms and conditions set forth on individual pages of the website. If you do not wish to be bound by these Terms and Conditions, do not continue to use or access this website.

Your continued use of this website constitutes your binding acceptance of these Terms and Conditions, including any changes or modifications made hereafter. The updated, on-line version of these Terms and Conditions shall supercede any prior version. By accepting and agreeing to these Terms and Conditions, you represent that you have full power and authority to enter into and perform this agreement and that such ability is not limited or restricted in any way.

Product and Service Information

Certain insurance products and services promoted through this website are underwritten and issued by the insurance companies of COUNTRY® Insurance & Financial Services (“COUNTRY”), which are based in Bloomington, Illinois. These life policies are issued by COUNTRY Life Insurance Company® or COUNTRY Investors Life Assurance Company®. The descriptions of the various products and services offered, by COUNTRY affiliates and subsidiaries, contained in this website are provided solely for general informational purposes. The information and descriptions contained herein are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the products and services.

The precise insurance coverage under any COUNTRY® product is subject to the terms, conditions and exclusions in the actual policies as issued. Products and services described in this website vary from state to state and not all products, coverages or services are available in all states in which We operate.

License Information

For Insurance Affiliates:

We provide this information to promote insurance products within specific jurisdictions in the United States of America only. Products are not available in all states. This information is only applicable to and intended for use in those areas in which each affiliated insurance company is authorized to write insurance business.

Website Visitor Responsibilities

You are solely responsible for any information you provide us or other visitors through your use of this website, and you agree that information you provide will be accurate and will not a) infringe any third party’s copyright, trademark or other proprietary rights of publicity or privacy; nor b) be defamatory, libelous, otherwise threatening or harassing, or otherwise violate any applicable law or regulation. You may not use this website to conduct any illegal business or activity.

Information you provide to the website may be lost or destroyed, or may be edited or removed from the website by us. We are not responsible for the loss of such information. You should retain copies of all important information you provide to this website.

You are responsible for keeping your password confidential. You agree that We are authorized to act on instructions given under your password or identification, even if you did not consent to the transaction submitted. You agree to notify us about any unauthorized use of your password or breach of security applicable to your password, identification, or use of this website.

We operate a commercial website, and insurance or financial transactions with COUNTRY® affiliates are not intended for children. We do not knowingly collect or solicit any information from or about any children for marketing purposes through this website.

Intellectual Property Rights

The CS Marketing Resources, Inc. (CSMR) names, logos and marks are the property of COUNTRY Mutual Insurance Company® and COUNTRY Life Insurance Company®, or its other affiliates. You are not authorized to use any name or mark in any advertising, publicity, or in any other commercial manner without our written consent. All rights in and to the website belong to CS Marketing Resources, Inc. (CSMR). The website and its content, aside from user contributions, are protected by copyright, both with respect to individual content and as a collective work and/or compilation, pursuant to U.S. copyright law, international conventions, and other copyright laws. You may not modify, publish, create derivative works from, distribute or otherwise exploit any of the website’s protected content without Our prior written consent.

Limitation of Liability, Waivers and Disclaimers

YOU EXPRESSLY AGREE THAT USE OF THIS WEBSITE IS AT YOUR SOLE RISK, NEITHER CS MARKETING RESOURCES, INC. NOR ANY OF ITS PARENTS, AFFILIATES, SUBSIDIARIES, ASSIGNEES, LICENSEES, OFFICERS, AGENTS, EMPLOYEES (KNOWN HEREAFTER AS CSMR) WARRANT THAT THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE.

THE WEBSITE IS OFFERED “AS IS” AND “AS AVAILABLE” WITH NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF SECURITY, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. ALL WARRANTIES ARE DISCLAIMED.

CSMR SHALL HAVE NO LIABILITY FOR ANY INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL OR PUNITIVE DAMAGES SUFFERED BY YOU OR ANY OTHER PARTY AS A RESULT OF THE OPERATION, INABILITY TO OPERATE OR MALFUNCTION OF THE WEBSITE, REGARDLESS OF WHETHER OR NOT ANY SUCH PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

You waive any claim against Us based upon the quality or availability of the website, regardless of cause.

You acknowledge that any network communication or activity involves resources beyond Our control, including, without limitation, e-mail, file transfers, and information gathering, and is subject to risks inherent to the Internet and to communications generally. We make no representation that any data sent to or from or residing at, Our website or systems are safe from destruction, corruption, misdirection, or service interruption.

You agree that We shall not be liable for failure to provide services or access to this website during any period in which it cannot perform due to any cause beyond Our control, including without limitation natural disaster, power failure, accident, labor controversy, act of God, or the intervention of any government authority.

Third Party Content

Our website contains links to other Internet sites, including other insurance affiliates, that are not maintained by Us (“Third Party Sites”). These links are provided solely for convenience. CSMR makes no warranties or representations about the contents of or any products or services offered by such Third Party Sites. We encourage you to read the terms and conditions of Third Party Sites prior to using them.

General

No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term. No waiver shall be effective absent expressed written consent by an authorized representative of CSMR.

We reserve the right to access and disclose any information necessary to comply with applicable laws and lawful government requests, to operate Our systems properly, or to protect Us from harm or liability.

Governing Law and Severability

This Agreement shall be governed by the laws of the State of Georgia without regard to its conflict of law provisions. If any provision of this Agreement should be invalid under applicable laws, such provision shall be ineffective to the extent of such conflict without affecting the remaining provisions of this Agreement.