Website Terms

Terms and Conditions for Use of the Web Site

Modified September 1, 2015

This page sets forth the terms and conditions under which Fidelity & Guaranty Life makes this site available to you, as well as the terms and conditions governing your use of this site. By making use of this site, you agree to be bound by the terms and conditions stated below, as they may be modified from time to time. Modifications to these terms and conditions of use shall be effective immediately upon their posting on the site. If you do not accept these terms and conditions, please do not continue to use or access this site. 





About Fidelity & Guaranty Life

Fidelity & Guaranty Life is the marketing name for Fidelity & Guaranty Life Insurance Company in all states except New York and, in New York only, Fidelity & Guaranty Life Insurance Company of New York. Fidelity & Guaranty Life Insurance Company, incorporated in 1959, and Fidelity & Guaranty Life Insurance Company of New York, incorporated in 1962, have a solid commitment to serving the individuals Fidelity & Guaranty Life  knows best – middle market consumers seeking the safety, protection, accumulation potential and income features of life insurance and annuity products. Fidelity & Guaranty Life continues to offer its series of focused life insurance and annuity products through its network of independent marketing organizations.





Fidelity & Guaranty Life Insurance Company is a life insurance company organized under the laws of the State of Iowa. Fidelity & Guaranty Life Insurance Company is licensed in the District of Columbia 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. Fidelity & Guaranty Life is not authorized to transact business outside of the United States, and this web site is not intended as a solicitation in any jurisdiction in which Fidelity & Guaranty Life is not respectively authorized to transact business.  Each Fidelity & Guaranty Life company is solely responsible for its product guarantees and commitments.





The information and materials contained on this site 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. 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 Fidelity & Guaranty Life 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 site is distributed with the understanding that Fidelity & Guaranty Life is not providing professional advice of 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.

Limitation of Liability

The site and its content are provided “as is” and without warranties of any kind, either expressed or implied, including, but not limited to implied warranties of merchantability or fitness for a particular purpose. Fidelity & Guaranty Life does not warrant that use of the site will be uninterrupted or error-free, that defects, if any, will be corrected, or that either the site or the server that makes it available to you is free of viruses, disabling devices or other harmful components. Fidelity & Guaranty Life does not warrant or make any representations regarding the use or the results of the use of the materials on the site in terms of their correctness, accuracy, reliability, or otherwise. You (and not Fidelity & Guaranty Life) assume the entire cost of all necessary servicing, repair, or correction related to any damage, harm, injury or malfunction associated with your use of the site and/or its contents.

Under no circumstances, including but not limited to negligence by act or omission, shall Fidelity & Guaranty Life or any party involved in creating, producing, or delivering the site, be liable for any direct, incidental, consequential, indirect or punitive damages that result from the use of, or the inability to use, the materials on the site, even if Fidelity & Guaranty Life or a representative authorized by Fidelity & Guaranty Life has been advised of the possibility of such damages. By using the site, you accept at your own risk that the Internet and online communications medium may not perform as intended. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event, however, shall Fidelity & Guaranty Life's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing the site.

Use of the Site; Copyrights, Trademarks & Service Marks





The site is owned and operated by Fidelity & Guaranty Life. Certain images used on the site are licensed, not owned, by Fidelity & Guaranty Life and may not be used, distributed, modified, transmitted, reused or reposted without the prior written permission of the party from whom Fidelity & Guaranty Life has licensed such material. You may access the Fidelity & Guaranty Life owned material on the site for non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not use, distribute, modify, transmit, reuse or repost such material for public or commercial purposes without the prior written permission of Fidelity & Guaranty Life. Fidelity & Guaranty Life neither warrants nor represents that your use of materials displayed on the site will not infringe rights of third parties not owned by or affiliated with Fidelity & Guaranty Life. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity and communications regulations and statutes. "Standard & Poor's 500" and "S&P 500®" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Fidelity & Guaranty Life. Fidelity & Guaranty Life products are not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of purchasing the products.





Links To and From Third Party Web Sites





You may note that some of the pages on this site provide hypertext links to other sites created by other organizations. We provide you links to other sites as a free service. Because those other sites are not under our control, we cannot guarantee the quality, accuracy, or timeliness of those sites. Nor is our connection to those sites an endorsement or adoption of the views expressed or of the products and services sold on those sites. Questions about the content of those sites should be directed to their authors. If you would like to provide a hypertext link from your site to this site, please request our permission before doing so. To request such permission, send a message via e-mail. Please include in the message your name, address and telephone number, and a description of your site and the reason why you would like to establish a link to this site. 





Communications





Personal Data is personal and/or confidential information data that relates to you, your account with Fidelity & Guaranty Life and the information personal to you and your account. At times you may initiate communications with us or we may request certain information from you that does not relate to your account. We refer to these interchanges as "Communications." Any Communications or material you transmit to the site by electronic mail or otherwise, including data, questions, comments or suggestions, with the exception of Personal Data transmitted regarding you or your account, will be treated as non-confidential and non-proprietary and will become the property of Fidelity & Guaranty Life and/or its affiliates (this information is referred to herein as "Non-Confidential Communications"). Such Non-Confidential Communications may be used for a variety of purposes, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, Fidelity & Guaranty Life retains the right to use ideas, concepts, know-how, or techniques contained in any Non-Confidential Communications you send to the site for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. You agree that you shall have no recourse against Fidelity & Guaranty Life for any alleged or actual infringement or misappropriation of any proprietary right in your Non-Confidential Communications to us.





Privacy Policy





You agree to review our privacy policy posted on this site, which can be accessed here:  Fidelity & Guaranty Life Privacy Policy





Collection of Information from Site Visitors





If you send comments or questions via e-mail to any mail box provided on our sites, we will share your communications with our customer service representatives and those employees or agents most capable of addressing your questions and concerns. We will retain your communication until we have done our very best to provide you with a complete and satisfactory response and then we will either discard it or, in some cases, archive it. 





Please note that, unless we expressly advise you otherwise, the e-mail facilities at our sites do not provide a means for completely secure and private communications between us. Like most, if not all, non-encrypted Internet e-mail communications, your e-mail may be accessed and viewed by other Internet users, without your knowledge and permission, while in transit to us. For that reason, to protect your privacy, please do not use e-mail to communicate information to us that you consider to be confidential. If you wish, you may contact Fidelity & Guaranty Life instead via telephone at the numbers provided at various locations on our sites.





You should also be aware that when you visit our web site, we collect certain information that does not identify you personally, but provides us with "usage data", such as the number of visitors we receive, what pages are visited most often, and what browser and domain name you are using.  Additionally, we may gather non-personally identifiable demographics and interests data about you using a feature provided by Google Analytics through use of “cookie” technology (described below).  This information my include demographics data, such as your age and gender, and information about your general interests, based on Google’s algorithm.  None of the demographics and interests information that we will gather will be personally identifiable, and this information will not be used in any way relating to your insurance application or policy.  Learn more about Google's privacy policy.  The sole purpose of this data is to continually improve the usefulness of the information we provide at this site.





Like most commercial web sites, we may also use on this site what is known as web browser "cookie" technology or other online tracking technologies and analytical tools, to customize our websites, mobile applications, and social media interactions to enhance your overall customer experience. A "cookie" is a non-executable element of data that a web site can send to your browser when you link to that site. By assigning a unique data element to each visitor, the web site is then able to recognize repeat users, track usage patterns and better serve you when you return to that site. The cookie does not extract personal information about you. This cookie resides on your computer until your Internet browser is turned off and is used to make it easier for you to navigate among different pages at this website. This cookie does not collect any personally identifiable information about you. Most browsers provide a simple procedure that will enable you to control whether you want to receive cookies by notifying you when a web site is about to deposit a cookie file. You can also opt out of Google Analytics by downloading and installing the Opt-out Browser Add-on. Our mobile and social media applications may also collect non-personally identifiable demographic information (such as age, sex, and city/state location) about the users of each application. This website contains hyperlinks to other websites on the Internet which we do not control, are not governed by our privacy practices and policies and for which we are not responsible. Before you provide information to any of these other websites, you should review their terms of service (or similar legal terms) and their privacy policies so that you know what information is collected by the website and what use or disclosure may be made of information you provide to the website.  Our website does not engage in collecting personally identifiable information about your online activities over time and across third-party websites or online services. We have not authorized any third party to collect personally identifiable information about your online activities over time and across different websites when you visit our website. Thus, our website does not respond to web browser "do not track" track signals or other similar mechanisms.

Miscellaneous





These terms and conditions shall be governed and construed in accordance with the laws of the State of Iowa applicable to agreements made and to be performed in Iowa. You agree that any legal action or proceeding between Fidelity & Guaranty Life and you for any purpose concerning this site shall be brought exclusively in a federal or state court of competent jurisdiction sitting in Iowa. If any provision of these terms and conditions shall be unlawful, void, or unenforceable, then that provision shall be deemed severable from these terms and conditions and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the subject matter herein and shall not be modified except in writing.

Copyright Notice

Copyright © 2001-2014 Fidelity & Guaranty Life Insurance Company, 601 Locust Street, 14th Floor, Des Moines, IA 50309 U.S.A. All rights reserved.

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