Terms of Use
Please Read Carefully Before Use Of This Web Site

Welcome to the AEL Financial website, found at www.aelfinancial.com,(the “Web Site”). The goals of this web site is to provide consumers with a comprehensive network of related products/services about AEL Financial and their Affiliates, that we think may be of interest to you. To insure a safe, non-offensive environment for all visitors to this Web Site, we have established these "Terms." By utilizing/accessing any area of the Web Site, you agree to be bound by the terms and conditions set forth below. These Terms shall govern the use of this Web Site and apply to all Internet traffic visiting this Web Site. The Terms are meant to protect all of our Web Site visitors and your use of this Web Site signifies your agreement with these Terms. If you do not agree to all of the Terms of Use, please do not use this site.

AEL Financial reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms at any time. Such modifications shall be effective immediately upon posting.

COPYRIGHT, TRADEMARKS AND RESTRICTION NOTICES

The materials found in this Web Site, as well as the organization and layout of this site, are copyrighted and are protected by United States and worldwide copyright laws and treaty provisions. Materials found in this Web Site, include, but are not limited to text, images, illustrations, audio clips, and video clips, which are protected by copyrights, trademarks, service marks, and/or other intellectual property rights and are owned and controlled by AEL Financial, its affiliates, third party content providers, merchants, sponsors and licensors (collectively "Providers") that have licensed their content or the right to market their products and/or services to AEL Financial. You may access, download and print materials on this web site solely for your personal and non-commercial use, however, any printout of this web site, or portions of the web site, must include acknowledgement of AEL Financial as the rightful owners of the material being used. No right, title or interest in any of the materials contained on this Web Site is transferred to you as a result of accessing, downloading or printing such materials. Unless otherwise specified, you may not copy, modify, distribute, transmit, display, reproduce, publish, license, create derivative works from, link to or frame in another web site, use on any other web site, transfer or sell any information obtained from this web site, without written permission from AEL Financial. As a condition to your use of this Web Site, you warrant to AEL Financial that you will not use our Web Site for any purpose that is unlawful or prohibited by the Terms stipulated above, including without limitation the posting or transmitting any threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material. If you violate any of these Terms, your permission to use our Web Site immediately terminates without the necessity of any notice. AEL Financial retains the right to deny access to anyone at its discretion for any reason, including for violation of these Terms. The foregoing prohibition expressly includes, but is not limited to, the practices of "screen scraping" or "database scraping" to obtain lists of users or other information.

USEFUL LINKS

This Web Site may contain links to other web sites ("Useful Links"). The Useful Links are provided for your convenience and information only and, as such, you access them at your own risk. Furthermore, AEL Financial privacy policy is applicable only when you are on our Web Site. Once you link to another web site, you should read that site's privacy policy before disclosing any personal information. The content of any Useful Links is not under AEL Financial control. AEL Financial is not responsible for, and does not endorse, such content, whether or not AEL Financial is affiliated with the owners of such Useful Links. You may not establish a hyperlink to this Web Site or provide any links that state or imply any sponsorship or endorsement of your web site by AEL Financial, or its affiliates or Providers without written consent. AEL Financial reserves the right to terminate any Useful Links or linking program at any time.

DISCLAIMER OF WARRANTIES AND LIABILITY

All content found within this Web Site is provided “as is” and without warranties of any kind, either express or implied. Other than those warranties which, under the United State Laws are applicable to these terms, are implied by law and are incapable of exclusion, restriction, or modification, AEL Financial disclaims any and all warranties, express or implied including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Neither AEL Financial or its related entities, affiliates, providers, persons involved in the creation, production and distribution of this Web Site will be uninterrupted or error-free, that defects will be corrected, or that the server the Web Site is hosted on to make content available will be free of viruses or other harmful components beyond our control.

The content that is found within this Web Site is provided solely for your information and convenience only. AEL Financial does not warrant or make any representations regarding the results that may be obtained from the use of this Web Site, or as to the accuracy, reliability or currency of any content, service and/or products acquired pursuant to your use of this Web Site.

You agree that the use of this Web Site is at your sole risk and that AEL Financial will not be liable for cost of all necessary servicing, repair or correction of your system due to viruses or any defects beyond our control. You agree that neither AEL Financial, nor its related entities, affiliates, providers, respective employees, agents, any person or entity involved in the creation, distribution or production this Web Site is responsible or liable to any person or entity whatsoever for any loss, damage, (whether actual, consequential, punitive or otherwise), injury, claim, liability or other cause of any kind or character whatsoever based upon or resulting from the use or attempted use of this Web Site or any other Useful Links. By way of example, and without limiting the generality of the foregoing, AEL Financial and related persons and entities shall not be responsible or liable for any claim or damage arising from failure or performance, error, omission, interruption, deletion, defect, delay in operation, computer viruses, theft, destruction, unauthorized access to or alteration or personal records, or the reliance upon or use of data, information, opinions or other materials found in this Web Site. You acknowledge and agree that AEL Financial is not liable or responsible for any defamatory, offensive or illegal conduct of other subscribers or third parties.

UPDATES

AEL Financial reserves the right to make changes to the www.aelfinancial.com, Web Site and these Terms at any time and may revise these Terms at any time by updating this posting. You should visit this page from time to time to review the current Terms because they WILL be binding on you. Your use of this Web Site following any such change constitutes your agreement to follow and be bound by the Terms as changed. If any change is unacceptable to you, your only recourse is to terminate your use of this Web Site.

INDEMNIFICATION

You agree to indemnify, defend, and hold harmless AEL Financial, providers, its officers, directors, employees, affiliates, agents, licensors, and suppliers from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation by you of these Terms.

THIRD PARTY RIGHTS

These Terms are for the benefit of AEL Financial, officers, directors, employees, affiliates, agents, licensors, and suppliers. Each of these individuals or entities shall have the right to assert and enforce these Terms directly against you on its or their own behalf.

PRIVACY POLICY

Registration data and certain other information about you are subject to our Privacy Policy. Your privacy is very important to AEL Financial. Our policy is to respect and protect the privacy of guests/visitors, which use this Web Site. The purpose of this privacy policy is to provide you with a description of the type of information we collect and how we use that information.

AEL Financial does not collect personally identifiable information on our Web Site unless you choose to give it to us via electronic mail message or through a form submission for inquires. We keep the information you submit to us confidential. The information we collect when guests visit the Web Site does not identify individual users, however we do collect the amount of traffic visiting the site, which pages are visited and for how long, where visitors come from, and what ISP they are using. We use the information we collect to improve the quality of our web site, enhance or tailor the information we offer, and make your experience on our site as valuable and efficient as possible.

USEFUL LINKS

Please be aware that when you click on links that take you to third-party web sites, you will be subject to their respective privacy policy. While AEL Financial supports the protection of privacy on the Internet; we cannot be responsible for the actions of third parties. We encourage you to read the posted privacy statement whenever interacting with any web site.

GATHERING NON-IDENTIFIABLE INFORMATION

By use of this Web Site, you consent to AEL Financial collection and use of your information as described in this policy. Updates to this privacy policy will be posted on this page. To be sure that you are always aware of what information we collect and how we use it, we recommend that you review this page regularly.

CONTACT INFORMATION

Any questions or concerns pertaining to our Terms or Privacy Policy should be directed in writing or via email to:

AEL Financial
600 N. Buffalo Grove Rd.
Buffalo Grove, IL 60089
847-465-2009
info@aelfinancial.com