Terms & Conditions

Welcome to our Web site. We have provided this Web site for your convenience to help you learn about our companies, products and services. This page provides important information about your use of this Web site.

Please read all of the following Terms of Use carefully before continuing. They govern your use of the Capitas Financial, Inc. ("Capitas") Internet Web site (this "Site"). By using this Site, you signify your acceptance of these Terms of Use. Please be aware that these Terms of Use may be changed or updated at any time without prior notice to you. Changes are effective when posted on this Site. Please review these Terms of Use periodically for current information. By continuing to use this Site, you agree to any changes or updates. Additional legal notices, terms and conditions regarding specific companies affiliated with Capitas, including our affiliated agencies and their products and services, may be found elsewhere on this Site or on the affiliated agency’s own Web site, if any. Those additional legal notices, terms and conditions apply with regard to the matters specifically addressed by them. If you do not agree to these Terms of Use, do not use this Site.

Product Offerings
The products and services described on this Site are offered by Capitas affiliates, distributors or agencies with whom Capitas has agreements. Please be aware that some products, services or product features described on this Site may not be available in your jurisdiction and generally are not available outside the United States. The laws of each country, state, or territory may differ and not all products and services are available in all locations. References to products or services unavailable in your jurisdiction do not imply that these products will be made available to you, and nothing on this Site shall be considered a solicitation to buy or an offer to sell a security, insurance product or service to any person in any jurisdiction where such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Your eligibility for certain products and services is subject to final determination of underwriting qualifications or other eligibility criteria and acceptance by the Capitas affiliate, distributor or agency providing such product or service.

Ownership and Use of Content Copyright, Trademarks, Service Marks and Logos
All of the information and content on this Site, including but not limited to all text, graphics, images, software applications and code, video, audio, and user interface design ("Content"), as well as all trademarks, service marks, logos, URLs and domain names, registered or not, including without limitation "Capitas" and the Capitas logo ("Marks"), are the property of Capitas or its affiliates, or are being used by Capitas with the express permission of a licensor. All Content and Marks are protected by United States and foreign copyright laws and conventions. You may not modify, reproduce, copy, distribute, transmit, display, publish, download or upload, sell, license, create derivative works of or use any aspect of this Site or its Content or Marks for commercial or public purposes or for any other purpose not expressly permitted by these Terms of Use. You may not include the Capitas name, any Mark or any variation of the foregoing, as a metatag, hidden textual element, or any other indicator that may create an impression of affiliation, sponsorship, endorsement or any other relationship between this Site, Capitas or any Capitas affiliate, distributor or agency and any other Web site, person, entity or organization. The use of the Content or Marks on any other Web site or in a networked computer environment for any purpose, or any other republication, redistribution or use of the Content or Marks, including, without limitation, framing the Content or Marks within another Web site, is expressly prohibited without the prior written permission of Capitas.

Links; Third Party Content
From time to time, Capitas may provide links from this Site to other Web sites, permit a link from another Web site to this Site, or include information from third parties on this Site. Such links and third-party content are provided for informational purposes only and do not imply any affiliation with, or an endorsement, authorization, sponsorship or promotion of, the Web site or third-party content. Capitas does not control or review these links, nor does it independently verify information provided by third parties; therefore, Capitas accepts no responsibility for the content, products or services provided at any other Web sites, or for the accuracy or completeness of any information supplied by a third party. If you decide to access other Web sites, you do so solely at your own risk and you should be aware that other Web sites are governed by their own terms and conditions. Links to this Site from another Web site may be made only with the written permission of Capitas. Capitas reserves the right in its sole discretion to refuse permission or to cancel permission to link to this Site at any time.

Content and Liability Disclaimer
Our intent is to provide accurate and up to date content on this Site; however, that is not always possible. Content may contain inaccuracies or errors and may change. Content is provided for informational purposes only and should not be relied on. Although the information on this Site may include statements on various life events and financial, legal or tax concerns, it is provided for informational purposes only, and is not intended and should not be relied upon as legal, tax or personalized advice. Capitas does not warrant or make any representations regarding the suitability, usefulness or expected results of the Content, services, products or functions provided on this Site. You should not rely upon this information in making any decisions, including any decision to buy a product or service from Capitas, its affiliates, distributors or agencies, or any other company. You should consult your financial professional and legal and/or tax advisor for advice about the appropriateness of products and services for you, and the effect of state and federal law on the products, services or issues discussed on this Site, or of federal income taxes or any other taxes on amounts held or paid out under any financial products described.

ALL CONTENT, SERVICES AND FUNCTIONS ON THIS SITE, ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Some jurisdictions do not allow the exclusion of certain implied warranties in which event those warranties, if required in your jurisdiction, apply to the minimum extent legally required.

Access and availability
No warranty or representation is made that this Site or any part or function of this Site, including without limitation any transactional function, will be available and not subject to interruption at any time.

No warranty or representation is made that any Content, service, product or function available at this Site or any linked Web site, including without limitation any downloadable files, is free of a computer virus, worm, trojan horse, timebomb or other destructive or harmful program, software, code or device which may erase, scramble, lock or disable any computer software, content or equipment or may prevent users from using a Web site or any other item of hardware or software. You should routinely scan your system and downloaded files for such disabling devices.

Limitation on liability and damages
IN NO EVENT WILL CAPITAS BE LIABLE TO ANY PARTY FOR USE OF THIS SITE, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTIONS, LOSS OF PROGRAMS OR DATA ON YOUR EQUIPMENT, OR OTHERWISE, EVEN IF WE OR ANY OF OUR REPRESENTATIVES ARE EXPRESSLY ADVISED OF THE POSSIBILITY OR LIKELIHOOD OF SUCH DAMAGES, INCLUDING THOSE ARISING FROM THE USE OF OR RELIANCE ON INFORMATION, INTERRUPTIONS, ERRORS, DEFECTS, MISTAKES, OMISSIONS, DELETION OF FILES, DISABLING DEVICES, DELAYS IN OPERATION OR TRANSMISSION, NONDELIVERY OF INFORMATION, THEFT, UNAUTHORIZED ACCESS, DISCLOSURES OF COMMUNICATIONS, OR ANY FAILURE OF PERFORMANCE. Some jurisdictions do not allow limitation or exclusion of certain liabilities or damages in which event in such jurisdiction the foregoing shall apply to the maximum extent allowed by law. You are responsible for the entire cost of all servicing, repair or correction of your property or operations, including without limitation, your computer, network, software or any device, required as a result of or related to using this Site.

Monitoring Use
Capitas reserves the right to monitor any and all use of this Site in its discretion. However, unless required by law, we do not have any obligation to you to conduct such monitoring or to take any action based on any monitoring we may conduct.

Governing Law
The laws of the State of Minnesota govern these Terms of Use, without regard to any applicable conflict of laws provisions. If you take legal action relating to these Terms of Use or arising out of or relating to your use of this Site, you agree to file such action only in Minnesota and you consent to submit to the personal jurisdiction of the state and federal courts of Minnesota for the purposes of pursuing any such action. Any cause of action you may have with arising out of or related to your use of this Site must be commenced within one (1) year after the cause of action arises. Capitas reserves the right to seek all remedies available at law and equity for violations of these Terms of Use, as well as the right to restrict access to this Site or any portion of it. Capitas does not represent that the information in this Site is appropriate or available for use in other locations, and access from certain locations may be strictly prohibited. Those who access this site do so on their own initiative and are responsible for compliance with all applicable local laws.

Entire Agreement
These Terms of Use represent the entire agreement between Capitas and you relating to the subject matter herein. If any provision of these Terms of Use is deemed unlawful, void or for any reason unenforceable, then that provision will be deemed severed from these terms and will not affect the validity and enforceability of the remaining provisions.