Terms and Conditions

ACCEPTANCE OF TERMS

Welcome to the WoodmenLife Impact® Internet Site (hereinafter referred to as the “Site”). WoodmenLife Impact is a micro-philanthropy effort of Woodmen of the World Life Insurance Society (“WoodmenLife”). As used herein, the terms “WoodmenLife Impact,” “we,” “our,” and “us” each shall refer to WoodmenLife, and the terms “you” and “your” shall refer to the Users, in both an individual and a collective sense, as appropriate.

We require that all visitors to the Site (the “Users”) agree to these Terms and Conditions of Use (the “Terms of Use”). By accessing and using the Site, you agree to all terms, conditions, and notices contained or referenced herein. If you do not agree to the Terms of Use, please do not use the Site. We reserve the right, in our discretion, to update or revise these Terms of Use. Please check the Terms of Use periodically for changes. Your continued use of the Site following the posting of any changes to the Terms of Use constitutes acceptance, by you, of those changes.

You agree to abide by our Rules of Use (the “Rules of Use”), and, among other things, agree to not use the Site for any unlawful purpose. A copy of the Rules of Use, which you should review, can be found below. The Site is not for use by persons under the age of thirteen (13). If you are under the age of thirteen (13), you may not use the Site. For more information regarding children’s privacy, please refer to our Privacy Policy.

At this time, we are unable to accept account registrations or donations from individuals who reside in the European Economic Area (“EEA”). If you reside in the EEA, you may not create an account on the Site or make donations through the Site.

ADDITIONAL POLICIES AND RULES

By using the Site, you agree to abide by additional policies and rules that may be posted from time to time. All such policies and rules are hereby incorporated by reference into these Terms of Use.

AVAILABILITY OF THE SITE

We, in our sole discretion, may change or remove some or all of the media, features, or services available on the Site, at any time, and without notice. Additionally, we reserve the right to remove the Site as a whole, at any time, and without notice.

THIRD-PARTY SITES

The Site may produce automated search results or otherwise link you to other sites on the Internet. These sites may contain information or material that some people may find inappropriate or offensive. These other sites are not under our control, and you acknowledge that we are not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such sites. The inclusion of such a link does not imply endorsement of the site by WoodmenLife or any association with its operators.

PROPRIETARY MATERIAL

You acknowledge and agree that content and materials available on the Site may be protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws. Except as expressly authorized by WoodmenLife, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from such materials or content. Notwithstanding the above, you may print or download one copy of the materials or content on the Site for your personal, non-commercial use, provided you keep intact all copyright and other proprietary notices. Systematic retrieval of data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory, without our express, written permission, is prohibited. In addition, use of the content or materials available on the Site for any purpose not expressly permitted in these Terms of Use is prohibited.

As noted above, reproduction, copying, or redistribution for commercial purposes of any content or materials on the Site is strictly prohibited without our express, written permission. Permission is granted only when certain criteria are met. For information on requesting such permission, please contact us using our contact form.

By using the Site, you grant us a nonexclusive, royalty-free, transferable, fully paid-up worldwide license to use, copy, display, transmit, publish, and distribute, for the sole purpose of providing the services described in these Terms of Use, and subject to the provisions of these Terms of Use, the WoodmenLife Impact Online Services Agreement, and the WoodmenLife Impact Privacy Policy, any and all content and material that you submit to the Site. You also grant us the right to include your content in communications on the Site. You agree that you shall have no recourse against us for any alleged or actual infringement or misappropriation of any proprietary right that you may have in the content and material that you submit to the Site.

DISCLAIMER OF WARRANTIES

ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED ON OR AVAILABLE THROUGH THE SITE (THE "CONTENT") ARE PROVIDED "AS IS" AND "AS AVAILABLE" FOR YOUR USE. THE CONTENT IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. WOODMENLIFE DOES NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THE SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE CONTENT AVAILABLE ON THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THE SITE IS SOLELY AT YOUR RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THESE EXCLUSIONS MAY NOT APPLY TO YOU.

LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES SHALL WOODMENLIFE, ITS SUBSIDIARIES, OR ITS LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF OR INABILITY TO USE THE SITE. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF WOODMENLIFE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, OUR LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.

COPYRIGHT

The entire content (including text and "look and feel" attributes) of the Site is ©2019 Woodmen of the World Life Insurance Society. Any use of such content requires the written permission of WoodmenLife. All rights reserved.

VIRUSES

Because of the marked increase in the fabrication and proliferation of computer viruses affecting the Internet, we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded or viewed materials received from the Internet. We are not responsible or liable for any damage caused by such hazards.

SECURITY AND E-MAIL

Be aware that Internet and e-mail communications are inherently not confidential. It is possible that information transmitted to or from us may be read or obtained by other parties.

When you are on any web site that asks you for confidential information (your social security number or a bank or credit card account number, for example), you should check to see if the information being transmitted is encrypted in order to increase the security of your information.

We welcome your e-mail correspondence, but if you need to send confidential information and are concerned about its security, then you should consider sending it by regular mail instead.

INDEMNIFICATION

Upon request by WoodmenLife, you agree to defend, indemnify, and hold harmless WoodmenLife, as well as its employees, contractors, officers, and directors, from all liabilities, claims, and expenses, including, but not limited to, attorneys’ fees that arise from your use or misuse of the Site and the online services provided through the Site. WoodmenLife reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with WoodmenLife in asserting any available defenses.

CONTENT

Statements made in Internet sites, newsgroups, message boards, e-mail, forums, conferences, and chats reflect only the views of their authors. Forum managers, forum hosts, or merchants appearing on the Site are not authorized spokespersons of WoodmenLife, and their views do not necessarily reflect those of WoodmenLife.

THIRD-PARTY RIGHTS

The provisions of the sections of these Terms of Use captioned “Disclaimer of Warranties,” “Limitation of Liability,” and “Indemnification” are for the benefit of WoodmenLife and its officers, directors, employees, agents, licensors, suppliers, and information providers. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.

INTERNATIONAL USE

We make no representation that materials on the Site are appropriate or available for use in locations outside of the United States, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access the Site from other locations do so on their own initiative and are responsible for compliance with local laws.

LIMITED LICENSE

By these Terms of Use, we grant, subject to these Terms of Use, only a limited, non-transferable, and non-exclusive license to use the software and documentation necessary to access, explore, and otherwise use the Site in real time and to use the materials on the Site in a manner consistent with these Terms of Use.

ELECTRONIC MEANS

You and WoodmenLife desire to facilitate certain transactions pursuant to these Terms of Use by exchanging documents, records, and signatures electronically or by utilizing electronic agents. The use of electronic facilities or agents shall be in accordance with procedures that we have established and governed by the applicable provisions of the Uniform Electronic Transactions Act as adopted in the State of Nebraska.

INDEMNIFICATION AND FORCE MAJEURE

Neither WoodmenLife nor any of its independent provider/transmitter of information shall be liable in any way, and you agree to indemnify and hold harmless WoodmenLife and its subsidiaries, affiliated companies, independent providers/transmitters, and all employees, contractors, officers, and directors thereof (collectively, the "Indemnitees") for: (a) any inaccuracy, error, or omission of information; (b) any delay or defect in the transmission or delivery of information; (c) any loss or damage arising from or occasioned by your use or misuse of the Site or online services available through the Site, any such inaccuracy, error, omission, or delay; or (d) any non-performance, or interruption of service due to any negligent act or omission by the Indemnitees, any "force majeure" (i.e. flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications, power failure, or equipment or software malfunction), or any other cause beyond the reasonable control of the Indemnitees.

CHOICE OF LAW AND FORUM

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Nebraska, excluding its conflicts of law principles. You expressly agree that any claim or action arising out of or relating to these Terms of Use or your use of the Site shall be adjudicated only in Douglas County, Nebraska. YOU AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER SUCH CAUSE OF ACTION ACCRUES.

Any controversy or claim arising out of or relating to these Terms of Use, or the breach thereof, shall be settled by BINDING ARBITRATION in accordance with the commercial arbitration rules then in effect of the American Arbitration Association, and judgment upon the award rendered may be entered in any court of competent jurisdiction. The arbitration proceedings shall be conducted in Douglas County, Nebraska. The award of the arbitrator shall be binding and final on all parties. Any and all legal, accounting, and other costs and expenses incurred by the prevailing party shall be borne by the non-prevailing party.

SEVERABILITY AND INTEGRATION

These Terms of Use, the WoodmenLife Online Services Agreement, and the WoodmenLife Impact Privacy Policy shall constitute the entire agreement between you and WoodmenLife with respect to the Site, and shall supersede all prior or contemporaneous communications and proposals (whether oral, written, or electronic) between you and WoodmenLife with respect to the Site. If any part of these Terms of Use is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.

NOTICES REGARDING SOFTWARE, DOCUMENTS, AND SERVICES AVAILABLE ON THE SITE

IN NO EVENT SHALL WOODMENLIFE OR ITS RESPECTIVE SUPPLIERS 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 BASIS, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF SOFTWARE AVAILABLE ON THE SITE, OR THE PROVISION OF OR FAILURE TO PROVIDE SERVICES OR INFORMATION THROUGH THE SITE.

NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to our designated agent, whose contact information appears below.

  • Lynn Espeland
  • WoodmenLife
  • 1700 Farnam St.
  • Omaha, NE 68102
  • 402-271-7223
  • lespeland@woodmen.org

TERMINATION

We reserve the right, in our sole discretion, to terminate your access to all or part of the Site, with or without notice. Additionally, we may monitor and delete any content that we, in our sole and absolute discretion, believe violates these Terms of Use.

RULES OF USE

By posting information in or otherwise using any communications service, chat room, message board, newsgroup, software library, or other interactive service that may be available to you on or through the Site, you agree that you will not upload, post, or otherwise distribute or facilitate distribution of any content -- including text, communications, software, images, sounds, data, or other information -- that:

  1. is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another's privacy, tortious, contains explicit or graphic descriptions or accounts of sexual acts (including, but not limited to, sexual language of a violent or threatening nature directed at another individual or group of individuals), or otherwise violates our rules or policies;
  2. victimizes, harasses, degrades, or intimidates an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability;
  3. infringes on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party;
  4. constitutes unauthorized or unsolicited advertising, junk or bulk e-mail (also known as "spamming"), chain letters, any other form of unauthorized solicitation, or any form of lottery or gambling;
  5. contains software viruses or any other computer code, files, or programs that are designed or intended to disrupt, damage, or limit the functioning of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of any third party; or
  6. impersonates any person or entity, including any employee or representative of WoodmenLife.

You also agree that you will not harvest or collect information about the Users of the Site, and you will not use such information for the purpose of transmitting or facilitating transmission of unsolicited, bulk, electronic e-mail or communications.

We generally do not pre-screen, monitor, or edit the content posted by users of communications services, chat rooms, message boards, newsgroups, software libraries, or other interactive services that may be available on or through the Site. However, WoodmenLife and its agents have the right, in their sole discretion, to remove any content that, in WoodmenLife’s judgment, does not comply with the Rules of Use or is otherwise harmful, objectionable, or inaccurate. WoodmenLife is not responsible for any failure or delay in removing such content.