Terms of Use

TERMS OF USE

This site is owned and operated by IUL Insiders LLC, a Utah limited liability company (“IUL Insiders”). These terms of use apply to and govern use by you and any authorized user of your account of this site, including all services provided therein (“site”). Your use of this site signifies your agreement to be bound by these terms of use. If you do not agree to be bound by these terms of use, do not access or otherwise use this site.

IUL Insiders reserves the right, at its sole discretion, to change, modify, add or remove any portion of this site or these terms of use, in whole or in part, at any time. Changes to these terms of use will be effective when posted. You agree to review these terms of use periodically to be aware of any changes. Your continued use of this site after any changes to these terms of use are posted will be considered acceptance of those changes. Before using this site, review the IUL Insiders Privacy Policy. In addition, when using particular IUL Insiders owned or operated services, you shall be subject to any posted guidelines or rules applicable to such services. All such guidelines or rules are hereby incorporated by reference into these Terms of Use.

USE OF THE SITE

IUL Insiders grants you a non-exclusive, non-transferable, limited right to access, use and display this site and the materials thereon for your personal use only, provided that you comply fully with these Terms of Use.

You agree to the following with regard to your use of the site and IUL Insiders services offered thereon:

You may not use the facilities and capabilities of the service to conduct any activity or solicit the performance of any illegal activity or other activity which infringes the rights of others.

You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the site in any manner not expressly allowed for herein.

IUL Insiders controls the operation of this site from its headquarters in Orem, Utah, in the United States of America, and makes no representation that these materials are appropriate or available for use in other locations. If you use this site from other locations, you are responsible for compliance with applicable local laws.

COPYRIGHT AND TRADEMARK

IUL Insiders and its licensors are the sole and exclusive owners, throughout the world, of copyright and all rights of copyright in and to the site and materials contained thereon under the United States Copyright Act and international laws and conventions. Visitors may not copy, reproduce, or transmit any materials appearing in the site without the express prior written permission from the copyright owner(s).

Other than as expressly allowed for in these Terms of Use, you agree your access and use of the site shall be within the limits allowed by the applicable law and that you are not entitled to duplicate, reproduce, republish, distribute or download any material contained on the site, unless otherwise agreed to by IUL Insiders. Any rights not expressly granted herein are reserved.

You may print and download portions of material from the site solely for your own non-commercial use where permitted. You may make: (a) one machine readable copy, (b) one backup copy, and (c) one print copy of any portions of material downloaded from the site solely for your non-commercial use. Any other copying, redistribution, retransmission or publication of any site material, is strictly prohibited without the express written consent of IUL Insiders or any third-party information provider to the site. You agree not to change or delete any proprietary notices from materials downloaded from the site.

The IUL Insiders name and logo, and all related product and service marks and slogans are the service marks and trademarks of IUL Insiders. All other product and service marks contained on the site are trademarks of their respective owners. You may not use any IUL Insiders or third-party trademarks, service marks or logos without the prior written consent of IUL Insiders or the third-party trademark owner.

DISCLAIMER OF WARRANTIES

You understand IUL Insiders cannot and does not guarantee or warrant that files available for downloading through the site will be free of infection or viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient safeguards to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the site for the reconstruction of any lost data. You assume total responsibility and risk for your use of the site and the internet.

THE SITE IS PROVIDED “AS IS” WITH NO WARRANTIES WHATSOEVER. ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, ARE EXPRESSLY DISCLAIMED. TO THE FULLEST EXTENT PERMITTED BY LAW, IUL INSIDERS DISCLAIMS ANY WARRANTIES THAT THE SITE OR MERCHANDISE, INFORMATION OR SERVICES PROVIDED THROUGH THE SITE ARE FREE OF DEFECTS, VIRUS FREE AND DISCLAIMS ANY WARRANTIES FOR THE SECURITY, ACCURACY, RELIABILITY, TIMELINESS, AND PERFORMANCE. YOUR USE OF THIS WEBSITE IS SOLELY AT YOUR OWN RISK.

YOU UNDERSTAND AND AGREE THAT THE SUBMISSION OF ANY DIGITAL CONTENT TO IUL INSIDERS IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY LOSS OR DAMAGE RELATED THERETO.

It is solely your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through the site or on the Internet generally. IUL Insiders does not warrant that the site will be uninterrupted or error-free or that defects in the site will be corrected. The site and any software made available on the site are provided on an “as is, as available” basis. The documents and related graphics published on this site may include technical inaccuracies or typographical errors. Changes are periodically made to the information herein. IUL Insiders and/or its respective suppliers may make improvements and changes in the product(s) or the program(s) described herein at any time.

Some links on this site may let you leave IUL Insiders’ site. The linked sites are not under the control of IUL Insiders and IUL Insiders is not responsible for the contents of the linked site, any linked site contained in a link site, or any changes or updates to such sites. IUL Insiders provides links to you only as a convenience, and the inclusion of any link does not imply endorsement by IUL Insiders of the site.

LIMITED LIABILITY/DAMAGES

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL IUL INSIDERS BE LIABLE FOR ANY CLAIM, LIABILITY, EXPENSE OR DAMAGE (WHETHER ACTUAL, INDIRECT, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL) RELATING TO THE INFORMATION APPEARING ON THE SITE OR THE USE OF, OR THE INABILITY TO USE, THE SITE, THE SITE MATERIALS, OR THE SOFTWARE, EVEN IF IUL INSIDERS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IUL INSIDERS DISCLAIMS ANY AND ALL LIABILITY FOR ACTS, OMISSIONS, AND CONDUCT OF ANY USERS AND ADVERTISERS AND/OR SPONSORS ON THE SITE. YOU AGREE THAT IUL INSIDERS SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY LOSS OR DAMAGE OF ANY SORT INCURRED AS THE RESULT OF ANY DEALINGS WITH ADVERTISERS FOUND ON OR THROUGH THE WEBSITE, OR AS A RESULT OF THE PRESENCE OF SUCH ADVERTISERS ON THE WEBSITE.

APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR EXEMPLARY, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL IUL INSIDERS’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE OR USING THE SERVICES OFFERED ON THE SITE. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, IUL INSIDERS’S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

INDEMNIFICATION

You agree to indemnify, defend and hold harmless IUL Insiders, its officers, directors, employees, agents, licensors, suppliers and any third-party information providers to the site from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of this Agreement by you.

The provisions of these Terms of Use are for the benefit of IUL Insiders and its officers, directors, employees, agents, licensors, suppliers, and any third-party information providers to the site. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.

TERMINATION

You understand and agree that IUL Insiders may, in its sole discretion and at any time, terminate your username and password for any account created on the site. You understand and agree that IUL Insiders may take this action without prior notice to you. Should IUL Insiders take this action, it may, in its sole discretion, immediately deactivate and/or delete any or all information about and concerning your account, including information submitted for registration on the site and submitted content. YOU UNDERSTAND AND AGREE THAT IUL INSIDERS SHALL NOT HAVE ANY LIABILITY TO YOU OR ANY OTHER PERSON FOR ANY TERMINATION OF YOUR ACCESS AND/OR THE REMOVAL OF INFORMATION CONCERNING YOUR ACCOUNT.

COPYRIGHT OR INTELLECTUAL PROPERTY INFRINGEMENT

We are committed to protecting copyrights and expect users of our site to do the same. The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the internet infringes their rights under U.S. copyright law. If you believe in good faith that any material used or displayed on or through our site infringes your copyright, you (or your agent) may send us a notice requesting that the material be removed, or access to it blocked. The notice must include the following information: (a) a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; (b) identification of the copyrighted work claimed to have been infringed (or if multiple copyrighted works are covered by a single notification, a representative list of such works); (c) identification of the material that is claimed to be infringing or the subject of infringing activity, and information reasonably sufficient to allow us to locate the material on our site; (d) the name, address, telephone number and email address (if available) of the complaining party; (e) a statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law; and (f) a statement that the information in the notification is accurate and, under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send us a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA; see http://www.copyright.gov for details. DMCA notices and counter-notices regarding our site should be sent to:

IUL Insiders LLC

Attn: Legal

837 East 1200 South

Orem, UT 84097

e-mail: [email protected]

MISCELLANEOUS

These terms of use shall be governed by and construed in accordance with the laws of the State of Utah and the United States of America, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these terms shall be filed only in the state or federal courts located in Salt Lake City, Utah, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of any action relating to or arising out of your use of the site or this Agreement. You understand that by agreeing to the Terms, you and IUL Insiders are each waiving the right to trial by jury or to participate in a class action. In no event shall you be entitled to injunctive or other equitable relief. If any provision of these terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions.

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