Terms & Conditions
These are the Terms and Conditions for use of this website – www.aeulead.com. For purposes of this Terms and Conditions statement only, “We (or Us or Our)” or “AEU” is defined as The American Equity Underwriters, Inc., the parent company of AEU LEAD.
These Terms and Conditions are applicable to use of this website, regardless of how you accessed it.
Please read these Terms and Conditions carefully. By making use of this website, you agree to be bound by the Terms and Conditions set out below and any additional Terms and Conditions set forth on individual pages of the website. If you do not wish to be bound by these Terms and Conditions, do not continue to use or access this website.
Your continued use of this website constitutes your binding acceptance of these Terms and Conditions, including any changes or modifications made hereafter. Updated versions of these Terms and Conditions shall supersede any prior version.
Product and Service Information
Insurance products described in this web site are provided solely for general informational purposes. The information and descriptions contained herein are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the products and services brokered by AEU. The precise coverage afforded is subject to the terms, conditions and exclusions in the actual policies as issued. Products and services described herein may vary from state to state and may not be available in all states.
We are providing information intended to promote insurance products within specific jurisdictions in the United States of America. This information is only applicable to and intended for use in the areas in which we are authorized to write insurance business.
Copyrights and Trademarks
The contents of this website, including all text, graphics, logos, trademarks, service marks, slogans and other material, are protected under United States and foreign copyright and trademark laws. You may not sell, reproduce, distribute or otherwise use the material in this website, or any part thereof, in any way for any public or commercial purpose. You may download a copy of the information for your own, non-commercial use. You must have our written permission to distribute copies of the information to others. To request such permission, send an e-mail to email@example.com. You must retain all copyright and other proprietary notices contained in the original material on any copy you make. You may not use any trademarks, service marks, slogans or logos contained in this website without the written permission of the owner.
Accuracy of Information Contained in this Website
The information contained in this website is subject to change without notice. However, there is no commitment to update the information contained herein. AEU makes no representations or warranties with regard to the information contained herein. You are responsible for evaluating the quality, accuracy, completeness, and usefulness of all information and opinions provided in this website. In providing the information contained in this website, AEU and any third party authors of the information provided are not rendering any legal, accounting or other professional advice or opinions on specific facts or matters. AEU assumes no liability whatsoever in connection with your use of this information. You should always consult with your own professional advisors with respect to your situation.
AEU MAKES NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION CONTAINED IN THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED ON THIS WEBSITE FOR ANY PURPOSE. ALL SUCH DOCUMENTS AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. AEU HEREBY DISCLAIMS ALL WARRANTIES WITH REGARD TO THIS INFORMATION, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. IN NO EVENT SHALL AEU BE LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER IN AN ACTION BASED ON CONTRACT, NEGLIGENCE OR OTHER TORT, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE FROM THIS WEBSITE. AEU MAKES NO WARRANTIES OR GUARANTEES THAT ANY INFORMATION DIRECTLY OR INDIRECTLY TRANSMITTED TO OR FROM THIS SERVER IS SECURE OR THAT ANY INFORMATION CONVEYED WILL BE PRIVATE.
User Identification, Passwords and Security
Certain areas of this website are accessible only through the use of user identification and passwords. If you have been assigned or selected user identification and passwords for access to these restricted areas, you are responsible for maintaining the security and confidentiality of that information and all information obtained through access to these restricted areas. You are responsible for all activities undertaken under your identification and password. You may not allow any other person to use your identification or passwords.
As a convenience to you, this website contains links to other sites independently maintained by others. Because AEU does not control these other sites, we cannot make any representations regarding and are not responsible for the content, terms and conditions, or accuracy of the materials on these linked sites. In addition, the link to these sites should not be construed as a recommendation, endorsement, adoption or approval by AEU of any products or services offered by the sponsors of these sites, or the views or opinions expressed therein. AEU is not responsible for your use of such linked sites or the products or services offered by the sponsors of these sites. You should make an independent investigation and evaluation before acquiring any such products or services.
This website is based in North Carolina. AEU makes no claims that the materials available on this website are appropriate or may be downloaded outside of the United States. Access to the materials in this website may not be legal by certain persons or in certain countries. If you access the website from outside of the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. By virtue of maintaining this passive website, AEU shall not be construed to be doing or transacting business or otherwise being subject to the jurisdiction of any governmental authority in which the user, or this or any linked site server or Internet provider is resident, domiciled or located. This Agreement is governed by the internal substantive laws of the State of North Carolina without respect to its conflict of laws principles. If any provision of this Agreement is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of the Agreement, which shall remain in full force and effect. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term. Except as expressly provided in material on a particular page of this website, this Agreement constitutes the entire Agreement between you and AEU with respect to use of this website.
Limitation of Liability, Waivers and Disclaimers
You waive any claim against Us based upon the quality or availability of the website, regardless of cause. You acknowledge that any network communication or activity involves resources beyond Our control, including, without limitation, e-mail, file transfers, and information gathering, and is subject to risks inherent to the Internet and to communications generally. We make no representation that any data sent to or from, or residing at, its website or systems are safe from destruction, corruption, misdirection, or service interruption.
You agree that we shall not be liable for failure to provide services or access to this website during any period in which it cannot perform due to any cause beyond Our control, including, without limitation, natural disaster, power failure, accident, labor controversy, act of God, or the intervention of any government authority.
If any provision of this Agreement should be invalid under applicable laws, such provision shall be ineffective to the extent of such conflict without affecting the remaining provisions of this Agreement.
Provisions not otherwise held invalid shall remain in force.