Terms and Conditions of Use—MY COUNTRY Online

(for Terms and Conditions of Use for the COUNTRY Financial® Mobile, see the pertinent section below)

Welcome to My COUNTRY  (referenced herein as the “Service” or “Services”). There is no charge for using this Service. Its use is intended to provide another value-added option for our customers who wish  to access their insurance and financial accounts online, indicate they would like to change coverages, pay their insurance premium bills, loan interest notices, and/or annuity contributions online and to enroll in paperless billing. My COUNTRY Account is designed to be a central point for accessing your COUNTRY insurance and financial accounts online.

This document forms the basis of the agreement between you and CC Services, Inc. and the other COUNTRY® Financial  companies (collectively referenced herein as “COUNTRY”). It is important that you understand both the benefits and limitations of this Service.

Please read these Terms and Conditions carefully. By making use of this Service, 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 Service.  These Terms and Conditions are applicable regardless of how you accessed this Service.    

Your continued use of this Service constitutes your binding acceptance of these Terms and Conditions, including any changes or modifications made hereafter. The updated, on-line version of these Terms and Conditions shall supersede any prior version. By accepting and agreeing to these Terms and Conditions, you represent that you have full power and authority to enter into and perform this agreement and that such ability is not limited or restricted in any way.

Enrollment

By enrolling or registering for this Service, you are indicating that you would like to access your COUNTRY insurance and financial accounts online, and, if applicable, pay your COUNTRY bill online and enroll in paperless billing. If you elect to pay your bill online and when you provide the necessary account information , you will be able to make online payments using electronic check (ACH) or debit and credit card (debit and credit card options are not be available for all product lines).

By registering and completing the required forms online, you are considered enrolled and will thereby have the immediate ability to access your accounts and, if you choose, pay your insurance bill online.

It is important to note that if you are using the Services to access your COUNTRY accounts through COUNTRY Trust Bank, your use of the Service is also subject to those Terms and Conditions and Agreements mailed to you when you first enrolled for online access through COUNTRY Trust Bank. Those documents are as follows: Terms and Conditions for Use of COUNTRY Trust Bank Account Access, Account Access Web Trading Services Agreement, Terms and Conditions for Use of COUNTRY Trust Bank Plan Access, and Terms and Conditions For Use of the COUNTRY Trust Bank Estatement Warehouse. Nothing herein shall be deemed to supersede the Terms and Conditions and Agreements. You will use enrollment information originally provided to you by COUNTRY Trust Bank to register with My COUNTRY Account, which will then serve as your gateway to your financial account access.

Additionally, it is also important to note that if you request that vehicles and/or drivers be added or deleted, such request has not been fulfilled until the change is processed in our systems. We will email you when your request has been completed or if we need any additional information. Until that e-mail is sent, the change will not be effective for coverage purposes. The precise insurance coverage under any COUNTRY Financial® insurance product is subject to the terms, conditions and exclusions in the actual policies as issued.

Service Limitations

COUNTRY will make every reasonable effort to make your experience with the Service a productive and pleasant one. However, technical or other difficulties cannot always be foreseen or anticipated. These difficulties may result in loss of data, personalized settings or other Service interruptions. You should retain copies of all important information you provide to the Service.

Service Changes and Discontinuation

COUNTRY reserves the right to change or discontinue, temporarily or permanently, the Service at any time, without notice. You agree that COUNTRY will not be liable to you or any third party for any damages associated with any modification or discontinuance of the Service.

Cancellation

You may cancel your enrollment in the Service at any time by calling 1-800-927-9354.

Conditions of Use

For your benefit and security and to comply with applicable laws, we have certain mandatory guidelines. Any conduct that violates these usage conditions is grounds for termination of your enrollment. For this reason, we ask that you carefully read and follow them.

        Provide Accurate Information:

You agree to:

  • Provide true, accurate, current and complete information about you as you enroll and/or make payments.       
  • Not to misrepresent your identity.
  • To keep your registration and account information up to date and accurate.

        Guard Your Password:

You will be asked to select a password when registering. You are responsible  for maintaining the confidentiality of your password. You are fully responsible for all activities that occur using your ID, password, or account. Any unauthorized use of your password, account or any breach of security must be immediately reported to COUNTRY. Commercially reasonable steps have been taken to protect the privacy of any individual user and any personal information collected in connection with the use of this Service. COUNTRY will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. You may not use anyone else’s password at any time. 

        Obey the Law:

You are solely responsible for any information you provide through your use of this Service, and you agree that information you provide will be accurate and will not a) infringe any third party's copyright, trademark or other proprietary rights of publicity or privacy; or b) be defamatory, libelous, otherwise threatening or harassing, or otherwise violate any applicable law or regulation. You may not use this Service to conduct any illegal business or activity.

Unauthorized Access and Use:

The Service is provided for the use of COUNTRY customers for legitimate business purposes only. The actual or attempted unauthorized access, use, or modification of this system is strictly prohibited by COUNTRY. Unauthorized users are subject to criminal and civil penalties under state, federal or other applicable domestic and foreign laws. The use of this Service may be monitored and recorded for administrative and security reasons. Anyone accessing the Service expressly consents to such monitoring and is advised that if such monitoring reveals possible evidence of criminal activity, COUNTRY may provide evidence of such activity to law enforcement officials.

Proprietary Rights:

You acknowledge and agree that COUNTRY and its Service provider, Kubra Data Transfer, Ltd., own all rights to this Web Service and the content displayed. You are only permitted to use this content as expressly authorized. COUNTRY grants the right to download, view, copy and print documents incorporated therein from this Service for personal and noncommercial purposes only. Nothing on or obtained from the Service may be altered or modified in any way, shape, or form, without the advance expressed permission of COUNTRY.

The COUNTRY® names, logos and marks are the property of COUNTRY Mutual Insurance Company® and COUNTRY Life Insurance Company®, or its other affiliates. You are not authorized to use any COUNTRY® name or mark in any advertising, publicity, or in any other commercial manner without written consent. All rights in and to the Service belong to COUNTRY. The Service and its content, aside from user contributions, are protected by copyright, both with respect to individual content and as a collective work and/or compilation, pursuant to U.S. copyright law, international conventions, and other copyright laws. You may not modify, publish, create derivative works from, distribute or otherwise exploit any of the Service's protected content without prior written consent.

Rights you Grant to COUNTRY:

Advertising:

You agree that COUNTRY may display advertisements and promotions of all kinds in and with the Service. Our Service may contain links to other internet services, that are not maintained by COUNTRY® ("Third Party Services"). These links are provided solely for convenience. COUNTRY makes no warranties or representations about the contents of or any products or services offered by such Third Party Services. We encourage you to read the terms and conditions of Third Party Services prior to using them.

Account Access:

To ensure that COUNTRY is able to provide high quality services, you agree that COUNTRY employees may have access to your account and records as reasonably needed to investigate complaints and/or otherwise provide service and support, as needed.

Disclaimer of Warranties:

Limitation of Liability, Waivers and Disclaimers

YOU EXPRESSLY AGREE THAT USE OF THIS SERVICE IS AT YOUR SOLE RISK. NEITHER COUNTRY NOR ANY OF ITS PARENTS, AFFILIATES, SUBSIDIARIES, ASSIGNEES, LICENSEES, OFFICERS, AGENTS, EMPLOYEES WARRANT THAT THIS SERVICE WILL BE UNINTERRUPTED OR ERROR FREE.

THE SERVICE IS OFFERED "AS IS" AND "AS AVAILABLE" WITH NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF SECURITY, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. ALL WARRANTIES ARE DISCLAIMED.

COUNTRY SHALL HAVE NO LIABILITY FOR ANY INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL OR PUNITIVE DAMAGES SUFFERED BY YOU OR ANY OTHER PARTY AS A RESULT OF THE OPERATION, INABILITY TO OPERATE OR MALFUNCTION OF THE SERVICE, REGARDLESS OF WHETHER OR NOT ANY SUCH PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

You waive any claim based upon the quality or availability of the Service, 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, our Service 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 Service 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.


Indemnification:

You agree to defend, indemnify and hold harmless COUNTRY, its affiliates, and service providers from any and all claims, liability, damages, losses or expenses (including, but not limited to, reasonable attorneys fees and costs) caused by or arising from your use of the Service, your violation of the Terms and Conditions, or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone, or any other loss arising out of or in any way connected with access or use of the Service.

Applicable Law:

All matters relating to access to, and the use of, the Service shall be governed by Illinois law. Any legal action or proceeding relating to your access to, or use of, shall be governed in accordance with the laws of the State of Illinois. You and COUNTRY agree to submit to the jurisdiction of, and agree that the venue is proper in the State of Illinois in any such legal action or proceeding.

General

Amendments:

This agreement cannot be changed unless you continue using the Service following a change to the Terms and Conditions by COUNTRY.

Assignments:

This agreement is personal to you and you may not assign it to anyone.

Notices:

Any and all notices to you shall be in writing and shall be made either via email or conventional mail, at the discretion of COUNTRY. COUNTRY may broadcast notices or messages through the Service to inform you of changes to the Terms and Conditions, the Service, or other matters of importance. Such broadcasts shall constitute notice to you. Any and all notices to COUNTRY must be made in writing, either through email or conventional mail.

Severability:

If any provision of these Terms and Conditions is held to be unenforceable, then such provision shall be construed, as nearly as possible, to reflect the intentions of the parties with the other provisions remaining in full force and effect.

Entire Agreement:

All terms and conditions set forth herein constitute the entire understanding between you and COUNTRY with regard to the Service.

Waiver:

Neither any failure nor any delay by any party in exercising any right, power or privilege under this Agreement will operate as a waiver of such right, power or privilege.  

Terms and Conditions of Use—COUNTRY Financial® Mobile App

Welcome to the COUNTRY Financial Mobile App (referenced herein for convenience as the “Service” or “Services”). This Service is intended to provide another value-added option for our customers who wish to access their insurance and financial accounts from a mobile device. References to "We” (or “Us” and “Our” and “COUNTRY”) refers to CC Services, Inc. or other entities comprising Country Financial® “You”/”you” (or “Your”/”your”) refers to the user of this Service.

This document forms the sole basis of the agreement between You and Us. It is important that you understand both the benefits and limitations of this Service. Please read these Terms and Conditions of Use carefully. By making use of this Service, you agree to be bound by the Terms and Conditions of Use set out below and any additional terms and conditions set forth on individual pages of the Service . If you do not wish to be bound by these Terms and Conditions of Use, do not continue to use or access this Service. These Terms and Conditions of Use are applicable regardless of how you accessed this Service. Your continued use of this Service constitutes your binding acceptance of these Terms and Conditions of Use, including any changes or modifications made hereafter. The updated, on-line version of these Terms and Conditions of Use shall supersede any prior version. By accepting and agreeing to these Terms and Conditions of Use, you represent that you have full power and authority to enter into and perform this agreement and that such ability is not limited or restricted in any way.
 

Enrollment

By enrolling or registering for this Service, you are indicating that you would like to access your COUNTRY insurance and financial accounts and use other functionality offered through the Service. By registering and completing the required steps, you are considered enrolled and will thereby have the ability to access your accounts and, if you choose, use other functionality within the Service.

It is important to note that if you are using the Services to access your COUNTRY accounts through COUNTRY Trust Bank, your use of the Service is also subject to those Terms and Conditions and Agreements mailed to you when you first enrolled for online access through COUNTRY Trust Bank. Those documents are as follows: Terms and Conditions for Use of COUNTRY Trust Bank Account Access, Account Access Web Trading Services Agreement, Terms and Conditions for Use of COUNTRY Trust Bank Plan Access, and Terms and Conditions For Use of the COUNTRY Trust Bank Estatement Warehouse. Nothing herein shall be deemed to supersede the Terms and Conditions and Agreements. You will use enrollment information originally provided to you by COUNTRY Trust Bank to register with My COUNTRY Account, which will then serve as your gateway to your financial account access.
 

Use of Biometrics

The Service allows you to sign on using the fingerprint scanner or other recognition functionality on your mobile device instead of entering your password.

For security reasons you may be periodically asked to sign on using your password to re-enable this capability.

You must already have Touch ID or a similar feature set up on your device to use this capability. Please note that we gather no biometric information. Rather, the Service uses the credentials stored in your device keychain.

By enabling Touch ID or a similar feature on your device, you are allowing all fingerprints or other recognition features stored on your device to access your account. Please review the settings for your device before enabling this capability.

We reserve the right to suspend or disable this feature at any time.

Service Limitations and Functionality

COUNTRY will make every reasonable effort to make your experience with the Service a productive and pleasant one. However, technical or other difficulties cannot always be foreseen or anticipated. These difficulties may result in loss of data, personalized settings or other Service interruptions. You should retain copies of all important information you provide to the Service.

It is important to note that if You request that vehicles and/or drivers be added or deleted, such request has not been fulfilled until the change is processed in Our systems. We will email you when your request has been completed or if We need any additional information. Until that e-mail is sent, the change will not be effective for coverage purposes.

The precise insurance coverage under any COUNTRY insurance product is subject to the terms, conditions and exclusions in the actual policies as issued.

Please note that electronic ID and proof of insurance cards may not be accepted in all jurisdictions.

Any document which you tap to view within the Service is downloaded and stored on your mobile device. Any such document will require storage space on your device and will be viewed outside of the Service.
 

Service Changes and Discontinuation

COUNTRY reserves the right to change or discontinue, temporarily or permanently, the Service at any time, without notice. You agree that COUNTRY will not be liable to You or any third party for any damages associated with any modification or discontinuance of the Service.

Cancellation

You may cancel your enrollment in the Service at any time by calling 1-800-927-9354.

Conditions of Use

For your benefit and security and to comply with applicable laws, we have certain mandatory guidelines. Any conduct that violates these usage conditions is grounds for termination of your enrollment. For this reason, we ask that you carefully read and follow them.

        Provide Accurate Information:

        You agree to: 

• Provide true, accurate, current and complete information about you as you enroll and/or make payments.
• Not to misrepresent your identity.
• To keep your registration and account information up to date and accurate.

Guard Your Password:

You will be asked to select a password when registering. You are responsible for maintaining the confidentiality of your password. You are fully responsible for all activities that occur using your ID, password, or account. Any unauthorized use of your password, account or any breach of security must be immediately reported to COUNTRY. Commercially reasonable steps have been taken to protect the privacy of any individual user and any personal information collected in connection with the use of this Service. COUNTRY will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. You may not use anyone else’s password at any time.

Obey the Law:

You are solely responsible for any information you provide through your use of this Service, and you agree that information you provide will be accurate and will not a) infringe any third party's copyright, trademark or other proprietary rights of publicity or privacy; or b) be defamatory, libelous, otherwise threatening or harassing, or otherwise violate any applicable law or regulation. You may not use this Service to conduct any illegal business or activity.

 

Unauthorized Access and Use:

The Service is provided for the use of COUNTRY customers for legitimate business purposes only. The actual or attempted unauthorized access, use, or modification of this Service is strictly prohibited by COUNTRY. Unauthorized users are subject to criminal and civil penalties under state, federal or other applicable domestic and foreign laws. The use of this Service may be monitored and recorded for administrative and security reasons. Anyone accessing the Service expressly consents to such monitoring and is advised that if such monitoring reveals possible evidence of criminal activity, COUNTRY may provide evidence of such activity to law enforcement officials.

Proprietary Rights:

You acknowledge and agree that COUNTRY own all rights to this Service and the content displayed. You are only permitted to use this content as expressly authorized. COUNTRY grants the right to download, view, copy and print documents incorporated therein from this Service for personal and noncommercial purposes only. Nothing on or obtained from the Service may be altered or modified in any way, shape, or form, without the advance expressed permission of COUNTRY.

The COUNTRY® names, logos and marks are the property of COUNTRY Mutual Insurance Company® and COUNTRY Life Insurance Company®, or its other affiliates. You are not authorized to use any COUNTRY® name or mark in any advertising, publicity, or in any other commercial manner without written consent. All rights in and to the Service belong to COUNTRY. The Service and its content are protected by copyright, both with respect to individual content and as a collective work and/or compilation, pursuant to U.S. copyright law, international conventions, and other copyright laws. You may not modify, publish, create derivative works from, distribute or otherwise exploit any of the Service's protected content without prior written consent.
 

Rights you Grant to COUNTRY:

Advertising:

You agree that COUNTRY may display advertisements and promotions of all kinds in and with the Service.  Our Service may contain links to other internet services, that are not maintained by COUNTRY® ("Third Party Services"). These links are provided solely for convenience. COUNTRY makes no warranties or representations about the contents of or any products or services offered by such Third Party Services. We encourage you to read the terms and conditions of Third Party Services prior to using them.

Account Access:

To ensure that COUNTRY is able to provide high quality services, you agree that COUNTRY employees may have access to your account and records as reasonably needed to investigate complaints and/or otherwise provide service and support, as needed.

Disclaimer of Warranties:

Limitation of Liability, Waivers and Disclaimers

YOU EXPRESSLY AGREE THAT USE OF THIS SERVICE IS AT YOUR SOLE RISK. NEITHER COUNTRY NOR ANY OF ITS PARENTS, AFFILIATES, SUBSIDIARIES, ASSIGNEES, LICENSEES, OFFICERS, AGENTS, EMPLOYEES WARRANT THAT THIS SERVICE WILL BE UNINTERRUPTED OR ERROR FREE.

THE SERVICE IS OFFERED "AS IS" AND "AS AVAILABLE" WITH NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF SECURITY, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. ALL WARRANTIES ARE DISCLAIMED.

COUNTRY SHALL HAVE NO LIABILITY FOR ANY INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL OR PUNITIVE DAMAGES SUFFERED BY YOU OR ANY OTHER PARTY AS A RESULT OF THE OPERATION, INABILITY TO OPERATE OR MALFUNCTION OF THE SERVICE, REGARDLESS OF WHETHER OR NOT ANY SUCH PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

You waive any claim based upon the quality or availability of the Service, 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 electronic communications generally. We make no representation that any data sent to or from, or residing at, our Service 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 Service 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.
 

Indemnification:

You agree to defend, indemnify and hold harmless COUNTRY, its affiliates, and service providers from any and all claims, liability, damages, losses or expenses (including, but not limited to, reasonable attorneys fees and costs) caused by or arising from your use of the Service, your violation of the Terms and Conditions of Use, or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone, or any other loss arising out of or in any way connected with access or use of the Service.

Applicable Law:

All matters relating to access to, and the use of, the Service shall be governed by Illinois law. Any legal action or proceeding relating to your access to, or use of, shall be governed in accordance with the laws of the State of Illinois. You and COUNTRY agree to submit to the jurisdiction of, and agree that the venue is proper in the State of Illinois in any such legal action or proceeding.

General

Amendments:

This agreement cannot be changed unless you continue using the Service following a change to the Terms and Conditions of Use by COUNTRY.

Assignments:

This agreement is personal to you and you may not assign it to anyone.

Notices:

Any and all notices to you shall be in writing and shall be made either via email or conventional mail, at the discretion of COUNTRY. COUNTRY may broadcast notices or messages through the Service to inform you of changes to the Terms and Conditions of Use, the Service, or other matters of importance. Such broadcasts shall constitute notice to you. Any and all notices to COUNTRY must be made in writing, either through email or conventional mail.

Severability:

If any provision of these Terms and Conditions of Use is held to be unenforceable, then such provision shall be construed, as nearly as possible, to reflect the intentions of the parties with the other provisions remaining in
full force and effect.

Entire Agreement:

All terms and conditions set forth herein constitute the entire understanding between you and COUNTRY with regard to the Service.

Waiver:

Neither any failure nor any delay by any party in exercising any right, power or privilege under this Agreement will operate as a waiver of such right, power or privilege.