Terms and Conditions

This website is owned and operated by Medico Insurance Company (the “Company”). By using or accessing this website, you indicate your understanding of these Terms and Conditions and agree to accept them and be legally bound by them. Please feel free to contact the Company for an explanation of any terms and conditions that you do not understand. Please review these Terms and Conditions carefully prior to using the website.


License

In your use or access of this website, the Company grants you a non-exclusive, non-transferable, temporary license to use the website and its contents for the sole purpose of collecting information regarding the Company’s products and services and related activities such as, if permitted on this website, applying for a product. The Company may revoke this license at any time upon notice to you if you fail to comply with these Terms and Conditions, or for any reason in the Company’s sole discretion.


You agree not to:

  • use this website or content in any way not explicitly permitted by these Terms and Conditions or the text of the website itself;
  • copy, modify, or create derivative works involving the content, except you may print a reasonable number of copies for your personal use, provided that you reproduce all copyright and trademark notices;
  • provide us with any false information in any portion of the website that collects information, such as a registration or application page;
  • use the website in any way that violates applicable laws or regulations;
  • take any action intended to interfere with the operation of this website; and
  • attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the website, the server on which the website is stored, or any server, computer, or database connected to the website.

Identification

If applicable, you represent that you have properly identified yourself by entering your own name and personal identifiers when using this site and not those of any other person. You represent and warrant that you are at least 13 years of age, and that if you are between 13 and 18 years of age a parent and/or guardian agrees to these Terms and Conditions on your behalf. Further, this website occasionally may refer to you, a registered user, as a “member.” Any such reference relates only to your registration on this site and your coverage under an insurance policy of the Company. It does not mean that you possess any membership rights in American Enterprise Mutual Holding Company.


Reliance on information

The product information contained within this site is provided for informational purposes only and subject to change. Some products may not be available in all states and are subject to applicable regulations. An insurance policy or certificate provided by the Company to you constitutes the contract between the parties, and its terms and description of coverage, including any limitations or exclusions, shall govern. If you purchase a policy, (a) the benefit levels selected for purchase are maximum monetary amounts and may not cover all costs; (b) you should review the policy in its entirety, including the levels and duration of benefits; and (c) you have the right to return the policy within the time period specified in the policy. Information on this website may be presented in summary form; if there is a discrepancy between the product information included on the website and the contract, the contract language will prevail.


This website may include content provided by third parties, including materials provided by other users, third-party licensors, and syndicators. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. The Company is not responsible, or liable to you or any third party, for the content and accuracy of any materials provided by third parties.


Accuracy

The Company’s goal is to provide accurate information on this site, but certain information related to your policy may not be accurate or up to date and is dependent in part on information provided by third parties such as healthcare providers.


Links to third-party websites

This website may contain links to third-party websites. Neither the Company nor its affiliates is responsible or liable for the content or accuracy of third-party websites. A link does not imply affiliation or endorsement with any website unless so stated. Third-party links are made available as a convenience, and you use these links at your own risk. The Company is not responsible for the content, functionality, or security of any third-party websites. If you engage a third party via their website, including the purchase of products or services, you do so at your own risk. The Company makes no warranties or representations as to third-party websites’ content, policies, or security. The Company has no liability in relation to your use of third-party websites, and the Company encourages you to review the privacy policy of any third-party websites you visit.


Limitation of liability and disclaimer of warranty

REASONABLE EFFORTS WILL BE MADE TO INCLUDE CURRENT, ACCURATE INFORMATION ON THIS WEBSITE. HOWEVER, YOU USE AND ACCESS THIS WEBSITE AT YOUR OWN RISK. THE COMPANY DOES NOT REPRESENT OR WARRANT THAT ANY INFORMATION REGARDING A PARTICULAR INSURANCE BENEFIT OR SCOPE OF COVERAGE IS ACCURATE OR COMPLETE. FURTHER, USE OF THE INTERNET IS SOLELY AT YOUR OWN RISK AND SUBJECT TO ALL APPLICABLE LAWS. THE COMPANY WORKS TO APPLY APPROPRIATE SECURITY PROTOCOLS TO THE WEBSITE AND ELECTRONIC COMMUNICATIONS THAT ARE ATTACHED, BUT THE COMPANY CANNOT GUARANTEE THE CONFIDENTIALITY OF COMMUNICATION OR MATERIAL TRANSMITTED TO OR FROM THIS WEBSITE.


TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR ANY LOSS OR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH USE OF, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE, OR SUCH OTHER WEBSITES, WHICH INCLUDES ELECTRONIC OR TECHNICAL FAILURE, ERROR, OMISSION, NATURAL DISASTERS, GOVERNMENTAL RESTRICTIONS, FAILURE OF PERFORMANCE, OR COMPUTER VIRUSES.


THIS WEBSITE, ITS CONTENT, FUNCTIONALITY, AND SERVICES ARE PROVIDED “AS IS.” THE COMPANY DISCLAIMS ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE. THE COMPANY DOES NOT WARRANT THE ACCURACY, COMPLETENESS, TIMELINESS, RELIABILITY, OR USEFULNESS OF THE INFORMATION ON THIS WEBSITE. THE COMPANY DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THIS WEBSITE MEET ANY SPECIFIC REQUIREMENTS OR THAT THE WEBSITE WILL OPERATE IN AN ERROR- OR OMISSION-FREE FASHION, OR THAT IT WILL OPERATE UNINTERRUPTED, OR THAT IT WILL BE WITHOUT DEFECTS OR ERRORS, OR THAT IT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. PLEASE NOTE THAT SOME JURISDICTIONS DO NOT ALLOW THE WAIVER OR EXCLUSION OF IMPLIED WARRANTIES, SO THESE MAY NOT APPLY TO YOU.


Indemnification

By using this website, you agree to indemnify the Company, its affiliates, and their officers, directors, employees, agents, and any third-party information providers from and against any and all claims, losses, liabilities, judgments, costs, expenses (including reasonable attorney fees), and damages resulting from your use of this website, your negligent or intentional acts, your failure to comply with applicable law, or your breach of the terms and conditions outlined within this website.


Changes to website, terms and conditions

All content on this website, including these Terms and Conditions, is subject to change at any time without prior notice. Any changes become effective immediately upon posting to this website. Your continued use or access of this website following any changes means that you accept and agree to these changes.


Website monitoring

To protect the system from unauthorized use and to ensure that the system is functioning properly, activities on this system may be monitored and recorded. By using this system, you expressly consent to such monitoring and are advised that if such monitoring reveals possible evidence of criminal activity, the Company may provide evidence from such monitoring to law enforcement officials.


Privacy and security

Privacy and security practices of the Company as it relates to this website and the information the Company collects from you through this website, are captured in the Company’s Notice of Website Privacy and Security Practices contained on this website.


Electronic documents

Through this website, you have the ability to view, print, and save electronic documents. To do so, you must have a computer, mobile device (such as a smartphone), tablet, or another electronic device to access the website and view documents online. By using this website, you agree to keep your email address up-to-date.


Accessing the website and account security

We reserve the right to withdraw or amend this website, and any service or material we provide on this website in our sole discretion without notice. We will not be liable if for any reason all or any part of the website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the website, or the entire website, to users, including registered users.


To access the website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the website that all the information you provide on the website is correct, current, and complete. If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures, you must treat such information as confidential and you may not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this website or portions of it using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. We have the right to disable any user name, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion.


Intellectual property

All information and content on this site, including but not limited to text, graphics, video and audio files, photos, logos, and trademarks (“Protected Material”) are owned or licensed by Medico Insurance Company, its affiliates, or other providers of such material, and unless otherwise noted are protected by United States intellectual property laws. Removal or reproduction by any means of any content or functionality of this website, or any Protected Material, is expressly prohibited without the prior written consent of the Company. Any unauthorized use of the Protected Material may violate copyright, trademark, or privacy laws.


Governing law

These Terms and Conditions are governed by the laws of Iowa without regard to any conflicts of law principles or choice of law provisions of any jurisdiction. By using or accessing this website, you consent to the exclusive jurisdiction of state and federal courts in Des Moines, Iowa, and agree to waive any jurisdictional or venue defenses otherwise available. YOU AGREE THAT ANY LEGAL ACTION OR PROCEEDING BETWEEN YOU AND THE COMPANY RELATED IN ANY WAY TO THESE TERMS AND CONDITIONS MUST BE COMMENCED WITHIN ONE YEAR AFTER THE CLAIM OR CAUSE OF ACTION ARISES.


Additional terms

These Terms and Conditions constitute the entire agreement between you and the Company regarding your use and access of this website and supersedes all prior agreement, representations, or understandings with respect to the website. The Company may assign its rights and duties under these Terms and Conditions to any party at any time. Failure to enforce any provision of these Terms and Conditions will not be construed as a waiver of any provision. The invalidity or unenforceability of any provision will not affect the validity or enforceability of the rest of these Terms and Conditions. Your obligations under the following sections of these Terms and Conditions survive its termination: Limitation of Liability and Disclaimer of Warranty; Indemnification; Privacy and Security; Governing Law; and Additional Terms. If any provision of these Terms and Conditions is invalidated by any court having competent jurisdiction, such invalidity shall not affect the validity of the remaining provisions of these Terms and Conditions.



Updated Oct. 17, 2019


;