Privacy Policy

Protecting Member Information
Farm Bureau has a strong tradition of protecting the confidentiality of our members' personal information. All personal information you provide is used to administer our business and related services in a manner consistent with all applicable laws and regulations. We maintain appropriate physical, technical and procedural safeguards to protect the security and confidentiality of your personal information.

General Privacy Principles
Farm Bureau understands that Visitors to our Website are concerned about the privacy of information. The following summarizes our online privacy principles with respect to the information that we collect through our Website.

We do not sell member information.
We do not allow those who are doing business on our behalf to use our member information for their own marketing purposes.
We contractually require any person or organization providing products and services on our behalf to protect Farm Bureau member information.
We afford our former and prospective members the same protections as existing members with respect to the use of personal information.
Farm Bureau policies require that individuals with access to confidential member information not use or disclose the information except for business use.

Visitor Data Collected on this Website

When an individual visits our Website, we collect and maintain certain kinds of anonymous and personally identifiable information. The specific information we collect varies depending upon the Website function the Visitor selects, and the information the Visitor provides. Examples of Website functions include, but are not limited to, the following:

Survey
Event Registration
Grant Application
Join the Iowa Farm Bureau
Email Subscription
SMS Text Message Subscription
Create a Login
Submit a Comment
Update Account Information
Submit a Payment
Submit an Exchange Ad

Information that may be collected includes, but is not limited to the following:

Name, address, phone number, email address, birthdate
Spouse and dependent information
Farm operation information
Employment information

We also use “cookies” to enhance your experience when visiting Farm Bureau Websites. “Cookies” are files we use to store your Website preferences and identity. We may use “cookies” and other technologies to help us track visits to our Websites and to find out how Visitors use our site.

We may collect, use, and share (with Farm Bureau partners or service providers) precise location data, including the real-time location of your mobile device or fixed location device.

We also use analytics tools and other third-party technologies, such as Google Analytics, to collect non-personal information in the form of various usage and user metrics when you visit our Website. These tools and technologies collect and analyze certain types of information, including cookies, IP addresses, device and software identifiers, referring and exit URLs, onsite behavior and usage information, feature use metrics and statistics, usage and purchase history, MAC address, mobile unique device ID, and other information. You may opt out of Google Analytics by visiting the Google Analytics opt-out page.

Sharing Personal Information
We share limited personal information with our affiliates and third-party service providers who assist us in the day-to-day operations of our organization. Additionally, we may share some of the information we obtain about you in order to allow you to access membership benefits which may suit your needs.

Safeguarding Personal Information
We have implemented physical, electronic, and procedural safeguards to maintain the confidentiality and integrity of the personal information in our possession and to guard against unauthorized access. These include, among other things, procedures for controlling access to member and non-member information, building security, and information technology security measures, such as the use of passwords, encryption, and firewalls. Your password (when available) is a component of our security system. As such it is your responsibility to protect it. Do not share your password with any third parties. You are responsible for any access to your account information or to the Website through use of your password.

Changes to our Privacy Policy

Farm Bureau may make changes to our online privacy policies occasionally. We recommend that Visitors to our Websites review our online privacy policies from time to time to learn of new privacy practices and changes to our policies.

Effective February 18, 2022
Last Updated November 8, 2021

TERMS AND CONDITIONS OF USE

Please read these term and conditions of use carefully before using this Website.

Iowa Farm Bureau Federation and its subsidiaries and affiliates (collectively, “Farm Bureau”) give you the ability to access our content online at our site(s) on the World Wide Web (the "Website"). You can use the website for online access to your personal accounts (if available), our membership and member benefit information, educational content, our services, and self-help tools as well as to conduct business electronically (if available) ("Online Activities"). We also offer options to receive e-statements, to subscribe to email and SMS texting services, and provide mobile applications/apps for your use (collectively “Other Services”). The Website, Online Activities or Other Services are collectively referred to herein as “WEBSITE”.

BY USING THIS WEBSITE, YOU AGREE TO THE FOLLOWING TERMS AND CONDITIONS OF USE WITHOUT LIMITATION OR QUALIFICATION, PLUS ANY ADDITIONAL TERMS OR CONDITIONS WITHIN THE WEBSITE ITSELF. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE. THESE TERMS AND CONDITIONS MAY BE REVISED AT ANY TIME BY UPDATING THIS POSTING. YOU ARE BOUND BY ANY SUCH REVISIONS AND SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE THEN CURRENT TERMS AND CONDITIONS TO WHICH YOU ARE BOUND. IF YOU DO NOT AGREE TO BE BOUND BY THE FOLLOWING TERMS AND CONDITIONS OF USE DO NOT USE THIS WEBSITE.

1 ABOUT IOWA FARM BUREAU FEDERATION

Iowa Farm Bureau Federation is a member of the American Farm Bureau Federation®, a national organization of farmers and ranchers which includes Farm Bureau® organizations in 49 other states and Puerto Rico. The Iowa Farm Bureau is responsible for Farm Bureau memberships and programs within the State of Iowa. Iowa Farm Bureau Federation programs and services are available to Farm Bureau Members within Iowa. The political views expressed (Visitor Submissions excluded) in these pages represent the Iowa Farm Bureau Federation's position on various issues as they relate to Iowa. The positions of the national Farm Bureau organization collectively are expressed through the American Farm Bureau Federation. Farm Bureau and FB are registered service marks owned by the American Farm Bureau Federation. More information about the American Farm Bureau Federation can be found at https://www.fb.org.

2 DISCLAIMER

THE MATERIALS ON THIS WEBSITE (INCLUDING, WITHOUT LIMITATION, ALL SOFTWARE) ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, FARM BUREAU DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY. FARM BUREAU DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. FARM BUREAU DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT FARM BUREAU) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION OF ALL EQUIPMENT, DATA, OR OTHER ITEMS. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES. FARM BUREAU MAY MAKE CHANGES TO THE WEBSITE MATERIALS AND THE PRODUCT AND SERVICE INFORMATION AT ANY TIME WITHOUT NOTICE AND WITHOUT OBLIGATION TO UPDATE THE MATERIALS CONTAINED ON THIS WEBSITE.

3. RESTRICTIONS ON USE

Use of Website.
You shall use the WEBSITE for lawful purposes only. You shall not post or transmit through the WEBSITE any material that (i) violates or infringes in any way upon the rights of others, (ii) is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, or (iii) encourages conduct that would constitute a criminal offense, gives rise to civil liability or otherwise violates any law. You shall not: (i) post or transmit through the WEBSITE any material that contains advertising or any solicitation with respect to products or services without Farm Bureau’s express prior written approval, or (ii) use the WEBSITE to advertise or perform any commercial solicitation, including, without limitation, the solicitation of users to become subscribers of other on-line services. Any conduct by you that in Farm Bureau’s discretion restricts or inhibits any other user from using or enjoying the WEBSITE will not be permitted.

Use of Materials.
This WEBSITE is owned and operated by Farm Bureau. Except as otherwise expressly permitted by Farm Bureau, no materials from this WEBSITE or any WEBSITE owned, operated, licensed or controlled by Farm Bureau may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this WEBSITE for your personal non-commercial reference only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this WEBSITE for public or commercial purposes, including the software, text, images, audio, and/or video without Farm Bureau's prior written permission. Farm Bureau neither warrants nor represents that your use of materials displayed on this WEBSITE will not infringe rights of third parties not owned by or affiliated with Farm Bureau. Use of any Farm Bureau trademarks as metatags on any third-party Website is strictly prohibited. You may not Co-Brand the Website or display the Website in frames (or any of the content via in-line links) without prior written permission from Farm Bureau. "Co-brand" means your display of any of the Intellectual Property, or your taking of other means of attribution or identification of Farm Bureau in such a manner reasonably likely to give a third party the impression that you or such third party has the right to display, publish or distribute the Website or any of its content. You agree to cooperate with Farm Bureau in causing any unauthorized co-branding, framing or linking to immediately cease. The Website and its content are not intended for children ages 13 and younger.

Use of Email.
At various points in the WEBSITE, we provide visitors the opportunity to contact us via email. Email messages are not encrypted. You acknowledge and agree that by providing Farm Bureau with any personal or confidential user information through the email function, you consent to the transmission of such personal or confidential user information through the public Internet, and understand that there are risks that this information could be viewed by other parties. You agree to adhere to procedures that we may establish to enhance the safety and confidentiality of transmissions of personal data over the Internet.

4 ONLINE ACCESS, EMAIL COMMUNICATIONS, ELECTRONIC SIGNATURES, E-STATEMENTS AND SMS TEXTING

Online Access.

For some Online Activities, Farm Bureau permits "Online Access," which includes the ability to use a personal computer, mobile or other access device equipped with an active connection to the Internet to create and access a Farm Bureau account and to perform certain transactions as available. Only one account is allowed per individual.

By electing to enroll in Online Activities, including but not limited to e-statements (described below), you certify that you are the person identified by your enrollment information. If you are not that person and/or you are attempting to access someone else's information, you are in violation of federal and/or state law and should exit this application now. Violations will be reported to state and/or federal authorities.

In order to conduct some Online Activities, you agree to receive information applicable to your use of the Online Activities delivered to you electronically. These may include registrations, billings and payments, updates, notifications, membership documents, or other information that you request, transaction receipts, or any other documents ("Communications").

Your consent does not mean that Farm Bureau must provide the Communications electronically; Farm Bureau may, at its option, provide the Communications through non-electronic means. As part of the Online Activities, many of these Communications are made available to you in non-electronic form. If you wish to withdraw your consent to receive information electronically through your use of the Online Activities, you may discontinue your use of the Online Access.

Email Communications.

We may collect your email address through your voluntary actions on our Website, including but not limited to your registration for Online Access, response to a survey, registration for an event, application for a grant, subscription to group email, renewal of your membership, or other Online Activities. If you supply us with your email address you may receive emails from us with information related to your Online Activities. You may also receive periodic email messages from us on other topics, such as benefits and services, meetings and events, legislative issues, advocacy alerts, election information, county Farm Bureau information, or other information which we believe may be valuable to you.

Email Communication Preferences and Unsubscribe (Withdrawing Consent).

As part of Online Access, you are given the ability to manage your email communication preferences, which may include the ability to manage the following:

email subscriptions by category,
email news subscriptions by topic,
and e-statements.

Farm Bureau may continue to deliver Communications to you electronically unless you withdraw your consent by unsubscribing. If you unsubscribe, the legal effectiveness, validity and/or enforceability of prior Communications will not be affected. Any withdrawal of your consent to receive Communications electronically will be effective only after we have a reasonable period of time to process your withdrawal.

To manage your Communication Preferences, subscribe and unsubscribe:

login to your online account, or create one on iowafarmbureau.com if you do not already have one.
Navigate to the Communication Preferences webpage.
Select or unselect each communication type to subscribe or unsubscribe.

Alternatively, you may click on the link at the bottom of the email to “unsubscribe” to future Communications of a given category or topic.

Or, you may contact your county Farm Bureau office or the Iowa Farm Bureau Federation and ask to be removed from a specific category or all future emails.

Electronic Signatures.

As part of the Online Activities, you may be given the option to sign certain Communications electronically by either checking the appropriate box or engaging in a similar online process as instructed online. You agree that by checking the appropriate box within or adjacent to the applicable Communication or engaging in a similar online electronic signature process, you are providing your electronic signature and agree to be bound by the terms and conditions in such Communication just as if you had signed your name to a paper document.

System Requirements for Access.

To obtain Online Access you will need:

a personal computer or other access device with Internet access,
a web browser which is capable of supporting 128-bit SSL encryption,
a unique email address, (email addresses already associated with another user cannot be used)

To receive, access, and reply to applicable Communications you will need:

software that provides access to emails sent to your email address,
software that lets you get and open Portable Document Format or "PDF" files, and
the ability to download or print agreements and disclosures.

System Requirements to Retain Information.

To retain the Communications sent to you electronically for your records, your system must have the ability to either download (e.g., to your hard disk drive, thumb drive/flash drive, etc.), print PDF files, or print web pages and embedded HTML files. In some cases, you may need to print, complete, and sign Communications with a pen, and then return them to Farm Bureau according to the instructions on the document. To do this, you must have a functioning printer connected to your personal computer or other access device which is able to print Communications and the instructions on plain, white 8½ x 11 inch paper.

Should we make changes to the hardware or software requirements for Online Activities such that you may no longer be capable of accessing your documents or Communications, we will inform you in advance of the revised hardware and software requirements via an update to these Terms and Conditions.

E-Statements.

As part of the Online Activities, you have the option to enroll in our paperless feature (“e-statements”). By enrolling in e-statements, you agree to access billing statements and other documents electronically in lieu of delivery by the United States Postal Service (USPS) or other physical delivery method; provided, however, that, as required by law, we will deliver certain documents, in paper format via the USPS. However, if the law changes in the future and permits such documents to be delivered electronically, your continued use of the WEBSITE shall act as your consent to receive such Communications electronically as well.

Please read the following additional e-statement Terms and Conditions carefully. By electing to enroll in e-statements, you agree to be bound by them. If you do not agree with any of these terms and conditions, do not enroll in e-statements. We reserve the right to modify these Terms and Conditions at any time. Continued participation in e-statements following the posting of the modified Terms and Conditions will constitute your acceptance of any revisions to these Terms and Conditions.

Your E-Statement Responsibilities.

Once you enroll in e-statements, it is your sole responsibility to keep your e-mail address up to date within your online profile. It is also your responsibility to keep your e-mail address active and capable of receiving new e-mails. To do this, ensure that your e-mail account has sufficient space for new e-mails and that your e-mail server and spam-blocking software do not block our e-mails. We are not responsible for problems arising from e-mails sent to an inactive or out-of-date email address. You agree that if we send an email message to you regarding any Communication or send any Communication to the email address you have provided us and such email message is returned as undeliverable, we will be deemed to have provided such Communication to you.

Enrollment in E-Statements.

To enroll in e-statements, you must:

Log in and register on iowafarmbureau.com using your membership number if you have not already established an online account;
Navigate to the Communications Preferences webpage.
Review the Terms and Conditions for e-statements.
Click the e-statements checkbox to accept the Terms and Conditions and sign up for e-statements.

Unenrolling from e-Statements.

You may unenroll from e-statements at any time. Upon unenrolling, all documents will be mailed to you via the USPS (please allow up to 72 hours to process your unenrollment). If you choose to unenroll from e-statements, you may unenroll by doing either of the following:

Logging in to your account, navigate to the Communication Preferences webpage, and change your preference from e-statements.

Or, you may contact your county Farm Bureau office or the Iowa Farm Bureau Federation and ask to be removed from e-statements.

SMS Texting.

Farm Bureau may offer subscription text message programs. Text messages may contain marketing or promotional material. Individuals may sign up for text messages in one of the following ways:

Email your county Farm Bureau office and ask to be enrolled in our text messaging service.
Subscribe to text messages during your Online Activities, including but not limited to your registration for

Online Access, response to a survey, registration for an event, application for a grant, subscription to group email, renewal of your membership, or other Online Activities.

Login to your Online Access, navigate to the Communication Preferences webpage, and update your text message preference.
Send a text message with the word START to 515-203-8470.

Farm Bureau may use an automatic messaging system to deliver text messages to you. By your subscription to any Farm Bureau text message program, you give your consent to Farm Bureau to use an automatic messaging system to deliver text messages to the telephone or cell phone number to which you have directed Farm Bureau to transmit these text messages.

Farm Bureau reserves the right to terminate this SMS texting service, in whole or in part, at any time without notice. The information in any message may be subject to certain time lags and/or delays. You are responsible for managing the types of SMS texts you receive. If you have any questions or need help, please contact your county Farm Bureau or the Iowa Farm Bureau Federation.

Charges for SMS Texts.

Farm Bureau does not have a separate charge for the text message service; however, message and data rates may apply from your wireless service provider. By providing your consent to participate in text messaging, you approve any such charges from your service provider. Charges for text messages may appear on your mobile phone bill or be deducted from your prepaid balance.

Unsubscribing to SMS Texts.

To stop receiving text messages, text STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to 515-203-8470. By enrolling in this subscription program, you consent that following such a request to unsubscribe, you will receive one (1) final message from Farm Bureau confirming that you have been inactivated in our system. Following such confirmation message, no additional text messages will be sent unless you re-activate your subscription by texting START to the same number.

Your SMS Texting Responsibilities.

Changes to your wireless number. If your wireless number changes while you are enrolled in text messaging, you are responsible for updating your information with us. You may update this information by logging onto www.iowafarmbureau.com and updating your communication preferences, or by calling your county Farm Bureau or the Iowa Farm Bureau Federation.
Canceled contracts and stolen phones. You must unsubscribe from text messaging if you discontinue your phone service or lose your mobile phone.
Wireless service provider compatibility. It is your responsibility to confirm your wireless service provider is compatible with Farm Bureau text messaging. You may do this by confirming receipt of a text message from Farm Bureau when you enroll in text messaging, or by texting “TEST” to 515-203-8470.

SMS Texting Additional Limitations of Liability.

There are a number of factors outside of our control that can impact or delay the delivery of your text messages. These factors may include restrictions made by your wireless service provider and disruptions to your wireless service. Text messages are provided for your convenience. We do not assume any liability or responsibility for a failure or delay in transmitting the text messages to you or for any errors in the information contained in the text messages.

We also do not assume any liability for any losses or damage (a) caused by the disclosure of information to your mobile phone when the phone is in another person's possession; or (b) to your data, mobile phone or other equipment caused by the use of text messaging, unless directly and solely caused by our negligence or willful default. Additionally, you agree to indemnify, defend and hold Farm Bureau harmless from and against any claims, losses or costs (including reasonable attorneys' fees) arising from your provision of a phone number that is not your own or your violation of applicable state and federal laws and regulations.

Information Storage Authorization.

You authorize Farm Bureau to store any information you provide, including, but not limited to, names, addresses, birth dates, phone numbers, bank account or payment card information.

You certify that you are the owner or authorized signer for any bank account or payment card you provide, and you authorize the financial institution where any such bank account or payment card is held to honor any withdrawals or charges you authorize.

5 TRADEMARKS AND COPYRIGHTS

All trademarks, service marks, trade names, logos, and icons are licensed or proprietary to Farm Bureau. Nothing contained on the WEBSITE should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this WEBSITE without the prior written permission of Farm Bureau or such third party that may own the trademarks displayed on this WEBSITE. Your use of the trademarks displayed on this WEBSITE, or any other content on this WEBSITE, except as provided herein, is strictly prohibited. Images displayed on this WEBSITE are either the property of, or used with permission by, Farm Bureau. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. The materials on this WEBSITE are copyrighted and any unauthorized use of any materials on this WEBSITE may violate copyright, trademark, and other laws. If you breach any of these Terms and Conditions, your authorization to use this WEBSITE automatically terminates and you must immediately destroy any downloaded or printed materials.

6 PRIVACY

Please see our Privacy Policy.

7 REFUND POLICY

Your Iowa Farm Bureau Membership is non-refundable. No exceptions will be made.

8 VISITOR SUBMISSIONS

All communications initiated by you (also defined herein as a "Visitor") and made to or through portions of the Website that permit uploading of questions, comments or other material are hereby considered "Visitor Submissions".

Visitor Submissions are not the views or opinions of Farm Bureau.

If you submit material intended for display where technically permitted within the Website, you agree to abide by the terms set forth herein. Visitor Submissions will not contain any content that is illegal, indecent, profane (either directly or indirectly through partially obscured words, letters, phrases, terminology or the like), threatening, defamatory, derogatory, counter to Farm Bureau's Privacy Policy or otherwise injurious to Farm Bureau or third parties; and that will not consist of or invoke malicious software code, constitute commercial solicitation (except where pre-approved by Farm Bureau), consist primarily of an unsolicited electronic mass mailing, be political in nature, or the like. Where an Online Access account and email address is required to upload Visitor Submissions, you agree to use a valid account and email address and represent that you are the individual identified by the address. If you wish to submit materials to the Website, you are prohibited from impersonating any other individual or entity, or otherwise mislead as to the origination of the Visitor Submission.

You agree not to submit any Visitor Submissions that infringe in any manner on the copyright, trademark or other intellectual property rights of any person or entity, or that contain privileged, confidential, proprietary or trade-secret information of any individual or entity, or that may violate the legal rights of any person or entity in any jurisdiction or locale. You may not submit materials that are or purport to be the personally identifiable information about others, such as full name, postal address, email address, telephone number or any other personal attribute which would constitute harassment or an invasion of privacy.

Visitor Submissions become the property of Farm Bureau and you grant Farm Bureau a non-exclusive, royalty-free, perpetual, irrevocable, fully transferable, sub-licensable and assignable right to use, edit, modify, adapt, translate, and/or reformat Visitor Submissions as necessary and for any purpose, anywhere in the world, including into those forms that may constitute advertising. If you submit a Visitor Submission, you are also hereby granting to Farm Bureau the non-exclusive right to seek enjoinment and possible damages from any third party who otherwise uses Visitor Submissions in an unauthorized way or through unauthorized reproduction of any Visitor Submission. Farm Bureau reserves the right and you agree to permit Farm Bureau to contact you by email regarding Visitor Submissions.

Visitor Submissions used, displayed or propagated by Farm Bureau or others licensed by Farm Bureau to use Visitor Submissions may be attributed to you unless the visitor has expressly requested anonymity. Farm Bureau reserves the right to select among the Visitor Submissions for the most appropriate material to be used, subject to Farm Bureau's sole discretion and judgment. Farm Bureau otherwise reserves the right to remove Visitor Submissions from the Website pursuant to its discretion and judgment, but maintains no obligation to do so.

Visitors also hereby agree to not redistribute or reproduce elsewhere Visitor Submissions in any manner or in any media, including the re-submission or republishing of any Visitor Submission on any other site not affiliated with Farm Bureau.

9 LINKED WEBSITES OR CONTENT

THIS WEBSITE MAY BE LINKED TO OTHER WEBSITES WHICH ARE NOT MAINTAINED BY FARM BUREAU. LINKS ON THIS WEBSITE TO SUCH THIRD-PARTY WEBSITES ARE PROVIDED SOLELY AS A CONVENIENCE TO YOU. IF YOU USE THESE LINKS, YOU WILL LEAVE THIS WEBSITE. FARM BUREAU HAS NOT REVIEWED ALL OF THESE THIRD-PARTY SITES AND DOES NOT CONTROL AND IS NOT RESPONSIBLE FOR ANY OF THESE SITES OR THEIR CONTENT, NOR DOES THE INCLUSION OF ANY LINK TO SUCH WEBSITES IMPLY APPROVAL OF OR ENDORSEMENT BY FARM BUREAU OF THE WEBSITES OR THE CONTENT THEREOF. THUS, FARM BUREAU DOES NOT ENDORSE OR MAKE ANY REPRESENTATIONS ABOUT THEM, OR ANY INFORMATION, SOFTWARE OR OTHER PRODUCTS OR MATERIALS FOUND THERE, OR ANY RESULTS THAT MAY BE OBTAINED FROM USING THEM. IF YOU DECIDE TO ACCESS ANY OF THE THIRD-PARTY WEBSITES LINKED TO THIS WEBSITE, YOU DO SO ENTIRELY AT YOUR OWN RISK.

10. LIMITATION OF LIABILITY

Farm Bureau’s Liabilities.

WHILE FARM BUREAU USES REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP TO DATE INFORMATION ON THIS WEBSITE, ERRORS OR OMISSIONS SOMETIMES OCCUR. FARM BUREAU MAKES NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY OF THIS WEBSITE. UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL FARM BUREAU OR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE WEBSITE BE LIABLE TO YOU FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION) THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, OR THE RESULTS OF THE USE OF THIS WEBSITE OR THE MATERIALS OR INFORMATION CONTAINED AT THIS WEBSITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY, EVEN IF FARM BUREAU OR A FARM BUREAU AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL FARM BUREAU'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS WEBSITE OR THE MATERIALS. FARM BUREAU ALSO ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING IN THE WEBSITE OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THIS WEBSITE OR ANY ELECTRONIC COMMUNICATIONS WITH FARM BUREAU VIA EMAIL, TEXT MESSAGE, OR OTHERWISE. FARM BUREAU SHALL NOT BE LIABLE FOR ANY MECHANICAL OR ELECTRONIC EQUIPMENT FAILURE, FAILURE OF COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECTS, UNAUTHORIZED ACCESS, THEFT, OPERATIONAL ERROS, STRIKES OR OTHER LABOR PROBLEMS, OR ANY FORCE MAJEURE. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THESE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU.

Your Liabilities.

Farm Bureau has the right to deny you access and use of the Website and its content if you violate (as Farm Bureau may determine in its sole and absolute discretion) any provision of these Terms and Conditions. Farm Bureau reserves the right to seek all other remedies available at law and in equity. You agree, at your own expense, to defend, indemnify and hold Farm Bureau harmless from any claim or demand, including reasonable attorneys' fees, made by a third party in connection with or arising out of your access to, or use of, the Website or any of its content in a manner other than as expressly authorized by these Terms and Conditions, your breach of these Terms and Conditions or your violation of applicable laws or any rights of any third party.

11 SOFTWARE

Use of Software.

Any software that is made available to download from this WEBSITE is the copyrighted work of Farm Bureau and/or its suppliers. Use of the software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the software ("License Agreement"). You may not download or install any software that is accompanied by or includes a License Agreement unless you have read and accepted the terms of the License Agreement. REPRODUCTION OR REDISTRIBUTION OF THE SOFTWARE IS PROHIBITED EXCEPT AS PROVIDED FOR IN THE APPLICABLE LICENSE AGREEMENT.

Export of Software.

You acknowledge that any software available or provided to you on this WEBSITE may contain technology that is subject to strict controls by various agencies of the United States Government pursuant to United States export control laws and regulations. You hereby agree that you will not transfer or export such software from the United States (including, for example, providing such software to any foreign person or entity in the United States) or re-export such software outside the United States in violation of United States export laws and regulations. Farm Bureau does not authorize the downloading or exportation of any software or technical data from this WEBSITE to any jurisdiction prohibited by the United States export controls laws and regulations.

12. INDEMNIFICATION

You agree to defend, indemnify and hold harmless Farm Bureau and its directors, officers, employees, agents, successors and assigns from and against any and all claims, actions, demands, damages, costs, liabilities, losses and expenses (including reasonable attorneys’ fees) arising out of your use of the WEBSITE in violation of these Terms and Conditions of Use or any applicable law, statute, ordinance or regulation.

13 JURISDICTIONAL ISSUES

Farm Bureau administers this WEBSITE from its offices in West Des Moines, Iowa. Unless otherwise expressly set forth herein, Farm Bureau makes no representation that materials on this WEBSITE are appropriate or available for use in any location, including, without limitation, for use outside the United States, and access to the materials on this WEBSITE from territories where their contents are illegal is prohibited. You may not use or export or re-export the materials on this WEBSITE or any copy or adaptation in violation of any applicable laws or regulations, including, without limitation, U.S. export laws and regulations. Those who choose to access this WEBSITE do so on their own initiative and are responsible for compliance with local laws. These Terms and Conditions will be governed by and construed in accordance with the laws of the United States and the State of Iowa, without giving effect to any principles of conflicts of laws. You consent to exclusive jurisdiction and venue in Polk County, Iowa and waive any objections or defenses based on lack of personal jurisdiction or venue.

14 ADDITIONAL TERMS

Entire Agreement.

Except to the extent otherwise set forth in the Terms and Conditions, these Terms and Conditions set forth the entire understanding between Farm Bureau and you with respect to your access to, use of, and/or submissions to the Website and its content and supersedes all prior or contemporaneous understandings regarding access and use.

Severability.

If any portion of these Terms and Conditions is found to be unenforceable, the remaining sections of the Terms and Conditions will remain in effect.

Waiver.

Failure by Farm Bureau, in any instance, to exercise any of its rights under the Terms and Conditions will not constitute waiver of such right or any other rights under the Terms and Conditions.

15 QUESTIONS?

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Effective February 18, 2022