TOS / Privacy Policy

Terms Of Service / Privacy Policy

The following terms and conditions govern all use of the Life Insurance Midwest website and all content, services and products available at or through the website, lifeinsurancemidwest.net ( The Website ). The Website is owned and operated by Life Insurance Midwest, Inc. ( Life Insurance Midwest ). The Website is offered subject to your acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies (including, without limitation, Life Insurance Midwest’s Privacy Policy) and procedures that may be published from time to time on this Site by Life Insurance Midwest (collectively, the Agreement ).

Please read this Agreement carefully before accessing or using the Website. By accessing or using any part of the web site, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all the terms and conditions of this agreement, then you may not access the Website or use any services. If these terms and conditions are considered an offer by Life Insurance Midwest, acceptance is expressly limited to these terms. The Website is available only to individuals who are at least 13 years old.

Privacy Policy

Your privacy is critically important to us. Here are ways we won’t use your email address:

• We will never sell, give, or rent your email address to an unauthorized 3rd party.
• In every email we send there is a link to click if you no longer wish to receive emails from us. Click that link, and we will stop emailing you.

At Life Insurance Midwest we have a few fundamental principles:

• We don’t ask you for personal information unless we truly need it. (We can’t stand services that ask you for things like your gender or income level for no apparent reason.)
• We don’t share your personal information with anyone except to comply with the law, develop our products, or protect our rights.
• We don’t store personal information on our servers unless required for the on-going operation of one of our services.
• In our blogging products, we aim to make it as simple as possible for you to control what’s visible to the public, seen by search engines, kept private, and permanently deleted.

If you have questions about accessing or correcting your personal data please contact our support team.

Website Visitors

Like most website operators, Life Insurance Midwest collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Life Insurance Midwest’s purpose in collecting non-personally identifying information is to better understand how Life Insurance Midwest’s visitors use its website. From time to time, Life Insurance Midwest may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Life Insurance Midwest also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on blogs. Life Insurance Midwest only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that blog commenter IP addresses are visible and disclosed to the administrators of the blog where the comment was left.

Gathering of Personally-Identifying Information

Certain visitors to Life Insurance Midwest’s websites choose to interact with Life Insurance Midwest in ways that require Life Insurance Midwest to gather personally-identifying information. The amount and type of information that Life Insurance Midwest gathers depends on the nature of the interaction. For example, we ask visitors who sign up for an account to provide a username and email address. Those who engage in transactions with Life Insurance Midwest by purchasing access to the Akismet comment spam prevention service, for example, are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Life Insurance Midwest collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor’s interaction with Life Insurance Midwest. Life Insurance Midwest does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

Aggregated Statistics

Life Insurance Midwest may collect statistics about the behavior of visitors to its websites. For instance, Life Insurance Midwest may monitor the most popular pages or use spam screened by the Akismet service to help identify spam. Life Insurance Midwest may display this information publicly or provide it to others. However, Life Insurance Midwest does not disclose personally-identifying information other than as described below.

Protection of Certain Personally-Identifying Information

Life Insurance Midwest discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Life Insurance Midwest’s behalf or to provide services available at Life Insurance Midwest’s websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Life Insurance Midwest’s websites, you consent to the transfer of such information to them. Life Insurance Midwest will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Life Insurance Midwest discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Life Insurance Midwest believes in good faith that disclosure is reasonably necessary to protect the property or rights of Life Insurance Midwest, third parties or the public at large. If you are a registered user of a Life Insurance Midwest website and have supplied your email address, Life Insurance Midwest may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what’s going on with Life Insurance Midwest and our products. We primarily use our various product blogs to communicate this type of information, so we expect to keep this type of email to a minimum. If you send us a request (for example via a support email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Life Insurance Midwest takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

Cookies

A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. Life Insurance Midwest uses cookies to help Life Insurance Midwest identify and track visitors, their usage of Life Insurance Midwest website, and their website access preferences. Life Insurance Midwest visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Life Insurance Midwest’s websites, with the drawback that certain features of Life Insurance Midwest’s websites may not function properly without the aid of cookies.

Business Transfers

If Life Insurance Midwest, or substantially all of its assets were acquired, or in the unlikely event that Life Insurance Midwest goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Life Insurance Midwest may continue to use your personal information as set forth in this policy.

Ads

Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Life Insurance Midwest and does not cover the use of cookies by any advertisers.

Comments

Comments and other content submitted to our Akismet anti-spam service are not saved on our servers unless they were marked as false positives, in which case we store them long enough to use them to improve the service to avoid future false positives.

Privacy Policy Changes

Although most changes are likely to be minor, Life Insurance Midwest may change its Privacy Policy from time to time, and in Life Insurance Midwest’s sole discretion. Life Insurance Midwest encourages visitors to frequently check this page for any changes to its Privacy Policy. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.

Terms of Service

By accessing the Website, you attest that you are at least 13 years old.

1. Your Life Insurance Midwest Account and Site. If you create a blog on the Website, you are responsible for maintaining the security of your account and blog, and you are fully responsible for all activities that occur under the account and any other actions taken in connection with the blog. You must not describe or assign keywords to your blog in a misleading or unlawful manner, including in a manner intended to trade on the name or reputation of others, and Life Insurance Midwest may change or remove any description or keyword that it considers inappropriate or unlawful, or otherwise likely to cause Life Insurance Midwest liability. You must immediately notify Life Insurance Midwest of any unauthorized uses of your blog, your account or any other breaches of security. Life Insurance Midwest will not be liable for any acts or omissions by You, including any damages of any kind incurred as a result of such acts or omissions.URL will not be liable for any activities or postings on the blog and you will hold URL harmless therefrom.
2. Responsibility of Contributors. If you operate a blog, comment on a blog, post material to the Website, post links on the Website, or otherwise make (or allow any third party to make) material available by means of the Website (any such material, Content ), You are entirely responsible for the content of, and any harm resulting from, that Content. That is the case regardless of whether the Content in question constitutes text, graphics, an audio file, or computer software. By making Content available, you represent and warrant that:
   • the downloading, copying and use of the Content will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark or trade secret rights, of any third party;
   • if your employer has rights to intellectual property you create, you have either (i) received permission from your employer to post or make available the Content, including but not limited to any software, or (ii) secured from your employer a waiver as to all rights in or to the Content;
   • you have fully complied with any third-party licenses relating to the Content, and have done all things necessary to successfully pass through to end users any required terms;
   • the Content does not contain or install any viruses, worms, malware, Trojan horses or other harmful or destructive content;
   • the Content is not spam, is not machine- or randomly-generated, and does not contain unethical or unwanted commercial content designed to drive traffic to third party sites or boost the search engine rankings of third party sites, or to further unlawful acts (such as phishing) or mislead recipients as to the source of the material (such as spoofing);
   • the Content is not pornographic, does not contain threats or incite violence towards individuals or entities, and does not violate the privacy or publicity rights of any third party;
   • your blog is not getting advertised via unwanted electronic messages such as spam links on newsgroups, email lists, other blogs and web sites, and similar unsolicited promotional methods;
   • your blog is not named in a manner that misleads your readers into thinking that you are another person or company. For example, your blog’s URL or name is not the name of a person other than yourself or company other than your own; and
   • you have, in the case of Content that includes computer code, accurately categorized and/or described the type, nature, uses and effects of the materials, whether requested to do so by Life Insurance Midwest or otherwise.

By submitting Content to Life Insurance Midwest for inclusion on your Website, you grant Life Insurance Midwest a world-wide, royalty-free, and non-exclusive license to reproduce, modify, adapt and publish the Content solely for the purpose of displaying, distributing and promoting your blog. If you delete Content, Life Insurance Midwest will use reasonable efforts to remove it from the Website, but you acknowledge that caching or references to the Content may not be made immediately unavailable.

Without limiting any of those representations or warranties, Life Insurance Midwest has the right (though not the obligation) to, in Life Insurance Midwest’s sole discretion (i) refuse or remove any content that, in Life Insurance Midwest’s reasonable opinion, violates any Life Insurance Midwest policy or is in any way harmful or objectionable, or (ii) terminate or deny access to and use of the Website to any individual or entity for any reason, in Life Insurance Midwest’s sole discretion. Life Insurance Midwest will have no obligation to provide a refund of any amounts previously paid.

3. Responsibility of Website Visitors. Life Insurance Midwest has not reviewed, and cannot review, all of the material, including computer software, posted to the Website, and cannot therefore be responsible for that material’s content, use or effects. By operating the Website, Life Insurance Midwest does not represent or imply that it endorses the material there posted, or that it believes such material to be accurate, useful or non-harmful. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. The Website may contain content that is offensive, indecent, or otherwise objectionable, as well as content containing technical inaccuracies, typographical mistakes, and other errors. The Website may also contain material that violates the privacy or publicity rights, or infringes the intellectual property and other proprietary rights, of third parties, or the downloading, copying or use of which is subject to additional terms and conditions, stated or unstated. Life Insurance Midwest disclaims any responsibility for any harm resulting from the use by visitors of the Website, or from any downloading by those visitors of content there posted.
4. Content Posted on Other Websites. We have not reviewed, and cannot review, all of the material, including computer software, made available through the websites and webpages to which Life Insurance Midwest links, and that link to Life Insurance Midwest. Life Insurance Midwest does not have any control over those non-Life Insurance Midwest websites and webpages, and is not responsible for their contents or their use. By linking to a non-Life Insurance Midwest website or webpage, Life Insurance Midwest does not represent or imply that it endorses such website or webpage. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. Life Insurance Midwest disclaims any responsibility for any harm resulting from your use of non-Life Insurance Midwest websites and webpages.
5. Copyright Infringement and DMCA Policy. As Life Insurance Midwest asks others to respect its intellectual property rights, it respects the intellectual property rights of others. If you believe that material located on or linked to by Life Insurance Midwest violates your copyright, you are encouraged to notify Life Insurance Midwest in accordance with Life Insurance Midwest’s Digital Millennium Copyright Act ( DMCA ) Policy. Life Insurance Midwest will respond to all such notices, including as required or appropriate by removing the infringing material or disabling all links to the infringing material. Life Insurance Midwest will terminate a visitor’s access to and use of the Website if, under appropriate circumstances, the visitor is determined to be a repeat infringer of the copyrights or other intellectual property rights of Life Insurance Midwest or others. In the case of such termination, Life Insurance Midwest will have no obligation to provide a refund of any amounts previously paid to Life Insurance Midwest.
6. Intellectual Property. This Agreement does not transfer from Life Insurance Midwest to you any Life Insurance Midwest or third party intellectual property, and all right, title and interest in and to such property will remain (as between the parties) solely with Life Insurance Midwest. Life Insurance Midwest, Life Insurance Midwest, Life Insurance Midwest, the Life Insurance Midwest logo, and all other trademarks, service marks, graphics and logos used in connection with Life Insurance Midwest, or the Website are trademarks or registered trademarks of Life Insurance Midwest or Life Insurance Midwest’s licensors. Other trademarks, service marks, graphics and logos used in connection with the Website may be the trademarks of other third parties. Your use of the Website grants you no right or license to reproduce or otherwise use any Life Insurance Midwest or third-party trademarks.
7. Life Insurance Midwest reserves the right, at its sole discretion, to modify or replace any part of this Agreement. It is your responsibility to check this Agreement periodically for changes. Your continued use of or access to the Website following the posting of any changes to this Agreement constitutes acceptance of those changes. Life Insurance Midwest may also, in the future, offer new services and/or features through the Website (including, the release of new tools and resources). Such new features and/or services shall be subject to the terms and conditions of this Agreement.
8. Life Insurance Midwest may terminate your access to all or any part of the Website at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate this Agreement or your Life Insurance Midwest account (if you have one), you may simply discontinue using the Website. Notwithstanding the foregoing, if you have a Paid Accounts account, such account can only be terminated by Life Insurance Midwest if you materially breach this Agreement and fail to cure such breach within thirty (30) days from Life Insurance Midwest’s notice to you thereof; provided that, Life Insurance Midwest can terminate the Website immediately as part of a general shut down of our service. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
9. Disclaimer of Warranties. The Website is provided as is. Life Insurance Midwest and its suppliers and licensors hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement. Neither Life Insurance Midwest nor its suppliers and licensors, makes any warranty that the Website will be error free or that access thereto will be continuous or uninterrupted. If you’re actually reading this, here’s a treat. You understand that you download from, or otherwise obtain content or services through, the Website at your own discretion and risk.
10. Limitation of Liability. In no event will Life Insurance Midwest, or its suppliers or licensors, be liable with respect to any subject matter of this agreement under any contract, negligence, strict liability or other legal or equitable theory for: (i) any special, incidental or consequential damages; (ii) the cost of procurement or substitute products or services; (iii) for interruption of use or loss or corruption of data; or (iv) for any amounts that exceed the fees paid by you to Life Insurance Midwest under this agreement during the twelve (12) month period prior to the cause of action. Life Insurance Midwest shall have no liability for any failure or delay due to matters beyond their reasonable control. The foregoing shall not apply to the extent prohibited by applicable law.
11. General Representation and Warranty. You represent and warrant that (i) your use of the Website will be in strict accordance with the Life Insurance Midwest Privacy Policy, with this Agreement and with all applicable laws and regulations (including without limitation any local laws or regulations in your country, state, city, or other governmental area, regarding online conduct and acceptable content, and including all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside) and (ii) your use of the Website will not infringe or misappropriate the intellectual property rights of any third party.
12. You agree to indemnify and hold harmless Life Insurance Midwest, its contractors, and its licensors, and their respective directors, officers, employees and agents from and against any and all claims and expenses, including attorneys’ fees, arising out of your use of the Website, including but not limited to your violation of this Agreement.
13. This Agreement constitutes the entire agreement between Life Insurance Midwest and you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an authorized executive of Life Insurance Midwest, or by the posting by Life Insurance Midwest of a revised version. Except to the extent applicable law, if any, provides otherwise, this Agreement, any access to or use of the Website will be governed by the laws of the state of Illinois, U.S.A., excluding its conflict of law provisions, and the proper venue for any disputes arising out of or relating to any of the same will be the state and federal courts located in Cook County, Illinois. Except for claims for injunctive or equitable relief or claims regarding intellectual property rights (which may be brought in any competent court without the posting of a bond), any dispute arising under this Agreement shall be finally settled in accordance with the Comprehensive Arbitration Rules of the Judicial Arbitration and Mediation Service, Inc. ( JAMS ) by three arbitrators appointed in accordance with such Rules. The arbitration shall take place in Chicago, Illinois, in the English language and the arbitral decision may be enforced in any court. The prevailing party in any action or proceeding to enforce this Agreement shall be entitled to costs and attorneys’ fees. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties’ original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. You may assign your rights under this Agreement to any party that consents to, and agrees to be bound by, its terms and conditions; Life Insurance Midwest may assign its rights under this Agreement without condition. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns.