杨贵妃传媒

No Solicitation; Insurance Transactions

The information and materials contained on the Website do not constitute an offer or solicitation 鈥巉or the sale of any insurance product in any jurisdiction. Some products and features described 鈥巓n the Website may not be available in all jurisdictions or may vary from jurisdiction to jurisdiction and are generally not available for purchase outside of the United States or in any jurisdiction 鈥巜hich has not approved the product. Product descriptions are only partial and certain restrictions 鈥巃pply to various product features; please consult the policy forms and licensed sales 鈥巖epresentative for full details.鈥�

Fidelity & Guaranty Life Insurance Company is a life insurance company organized under the laws of the State of Iowa. Fidelity & Guaranty Life Insurance Company (杨贵妃传媒) is licensed in the District of Columbia, Puerto Rico, and all states of the United States except New York. Fidelity & Guaranty Life Insurance Company of New York, a wholly owned subsidiary of Fidelity & Guaranty Life Insurance Company, is a life insurance company organized under the laws of the State of New York and is licensed only in New York. 杨贵妃传媒 is not authorized to transact business outside of the United States, and the website is not intended as a solicitation in any jurisdiction in which 杨贵妃传媒 is not respectively authorized to transact business. Each 杨贵妃传媒 company is solely responsible for its product guarantees and commitments. All insurance transactions are conducted based on signed written agreements between the 杨贵妃传媒 companies and their customers. No other representation, whether made in person, online, electronically, in written, graphical, or verbal communication, may alter the terms of those agreements.

The information provided on this Website is distributed with the understanding that 杨贵妃传媒 is not 鈥巔roviding professional advice of any type. If you have a question requiring professional advice, 鈥巗uch as a question relating to law, tax or financial planning, please seek the advice of your own 鈥巕ualified professional in the relevant field.

Intellectual Property

The design of the Website and its content, including the text, information, data, software, scripts, graphics, photos, videos, interactive features, products, materials, services and the like and any trademarks, service marks and logos contained therein (collectively, 鈥淲ebsite Content鈥�), are the property of or are licensed by 杨贵妃传媒 and are protected by copyright and other intellectual property laws. 杨贵妃传媒 hereby grants you a limited, non-exclusive, revocable, non-assignable, personal and non-transferable license to view and download the Website Content for your personal use, provided that you retain all copyright and other proprietary notices on any permitted copies of the materials. You may not otherwise copy, reproduce, modify, adapt, display, perform, publish, create derivative works of, sublicense, translate, sell, rent or otherwise exploit the Website or the Website Content. 杨贵妃传媒 reserves all rights not expressly granted in and to the Website and the Website Content. You agree to not engage in the use, copying, or distribution of any of the Website Content, whether manually or by using a robot, scraper, crawler or any other automated device or process, other than as expressly permitted herein or as reasonably necessary to use the Website and the Website Content for its intended purpose, including any use, copying, or distribution of Website Content for any commercial purposes. You will not obtain any ownership interest in the Website or the Website Content.

The display of any trade names, trademarks, service marks, logos, or domain names on the Website or in the Website Content does not imply that a license of any kind has been granted to you with respect to such trade names, trademarks, service marks, logos, or domain names, except as explicitly stated herein. Any unauthorized downloading, re-transmission or other copying or modification of trade names, trademarks, service marks, logos or domain names may be a violation of trademark laws and could subject you to legal action.

杨贵妃传媒 respects the intellectual property rights of others and expects its users to do the same. 杨贵妃传媒 prohibits copyright infringing activities on the Website or in the Website Content and reserves the right to remove or disable access to files or links to allegedly infringing material without prior notice. 杨贵妃传媒 responds to notices of alleged copyright infringement in accordance with the Digital Millennium Copyright Act (DMCA) and other applicable laws.

If you believe that your material is being used on the Website or in the Website Content in a way that constitutes copyright infringement, you may request removal of those materials (or access to them) by submitting written notification to our Designated Copyright Agent (identified below) the following information (鈥淣otice鈥�), as required by Section 512(c)(3) of the DMCA:

• Adequate information by which we can contact you (including your name, address, telephone number, and email address, if available);
• Identification of the allegedly infringing material that is to be removed or disabled, and information reasonably precise to permit us to locate the material (including, if possible, a link to the material);
• Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single claim, a representative list of such works;
• A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;
• A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; and
• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Our Designated Copyright Agent can be reached at:

Fidelity & Guaranty Life Insurance Company, 801 Grand Ave, 26th Floor, Des Moines, IA 50309 Attn: Chief Compliance Officer DMCA Notice or via email at compliance@fglife.com.

If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be effective. Please be aware that if you knowingly materially misrepresent that material or activity on the Website or in any Website Content is infringing your copyright, you may be held liable for damages (including costs and attorneys鈥� fees) under Section 512(f) of the DMCA.

DMCA Counter Notice: If you believe that your content should not have been removed for alleged copyright infringement, you may send 杨贵妃传媒鈥檚 Designated Copyright Agent a written counter-notice with the following information:

• Identification of the copyrighted work that was removed, and the location on the Website or in the Website Content where it would have been found prior to its removal;
• A statement, under penalty of perjury, that you have a good faith belief that the content was removed as a result of a mistake or misidentification; and
• Your physical or electronic signature, together with your contact information (address, telephone number and, if available, email address).
• If a counter-notice is received by the Designated Copyright Agent, we may send a copy of the counter-notice to the original complaining party.

Website Use and Restrictions

Any unauthorized use of the Website or Website Content for any purpose is prohibited. Your rights to the 鈥嶹ebsite are given on the condition that you use the Website in accordance with these Terms of Use. You may not 鈥巙se the Website or any Website Content for any unlawful purpose and you may not:鈥�

• 鈥嶢ccess, solicit, collect or use any personally identifying information about any other users 鈥巓f the Website or anyone else;鈥庘��
• Restrict or inhibit others from using the Website;鈥�
• 鈥嶵ransmit to or introduce at the Website any viruses, harmful software, or other modifications or 鈥巆hanges to the Website or reverse engineer, decompile, disassemble, reverse assemble or modify 鈥巃ny Website source or object code or any software or other services or processes accessible 鈥巘hrough any portion of the Website or Website Content;鈥�
• Submit, upload, email or otherwise transmit any content or other materials, to or through the 鈥嶹ebsite which (a) is threatening, abusive, defamatory, obscene, vulgar, offensive, or otherwise 鈥巓bjectionable, or which may harm minors; (b) infringes or violates the rights of others, or 鈥庘��(c) has an advertising, political marketing, promotional or other commercial purpose;鈥�
• 鈥嶦ngage in any activities that interfere with another user鈥檚 access to the Website or the proper 鈥巓peration of the Website; or
• 鈥嶥istribute or copy any Website Content manually or by using any robot, scraper, crawler, or any 鈥巓ther automatic device or process; frame or utilize framing techniques to enclose any Website 鈥嶤ontent; or use content from our Website in a manner that suggests an unauthorized association 鈥巜ith any of our or our licensor鈥檚 products, services or brands.鈥�

杨贵妃传媒 has no obligation to monitor your interaction with the Website but reserves the right to 鈥巖eview or monitor the Website in its sole discretion.鈥�

Stock Quote Disclaimer

Any stock price available through this Website may be delayed and is provided for informational purposes only and is not intended for trading purposes. 杨贵妃传媒 and its affiliates or its stock information provider will not be liable for any inaccuracies or delays in any stock quotes provided, or for any actions you might take in reliance thereon.

Forward-Looking Statements

Certain portions of the Website Content may contain forward-looking statements, including statements regarding 杨贵妃传媒鈥檚 future performance and strategy. These statements are subject to risks and uncertainties that could cause actual results to differ materially from those projected in these forward-looking statements. These risks and uncertainties include, among others, market, legal and regulatory risks, and the other factors described under the headings 鈥淩isk Factors鈥� and 鈥淐autionary Statement Regarding Forward-Looking Statements鈥� in 杨贵妃传媒鈥檚 most recent public filing made with the U.S Securities and Exchange Commission. Forward-looking statements speak only as of the date first made, unless another date is indicated. We caution you not to place substantial reliance on the forward-looking statements and we undertake no obligation to update or revise the statements.

Modifications to Policies, Prices and Terms

By providing material, such as policy descriptions, on the Website, 杨贵妃传媒 does not in any way promise that the materials will remain available to you or that you will qualify for any of the products or services we offer. 杨贵妃传媒 RESERVES THE RIGHT, AT ANY TIME, TO CHANGE ITS PRODUCTS, SERVICES, AND PRICING, EFFECTIVE IMMEDIATELY UPON POSTING ON THE WEBSITE OR APPLICATIONS OR BY E-MAIL DELIVERY TO YOU.

Links to Other Websites

In using the Website, you may find that 杨贵妃传媒 provides hyperlinks to one or more third-party websites (the 鈥淟inked Sites鈥�). 杨贵妃传媒 provides these links as a convenience for you and other users but is not responsible for the content of, or links to and from, the Linked Sites. Your accessing these Linked Sites is at your own risk. We encourage you to read the terms and conditions and privacy policies of the respective Linked Sites, should you choose to visit them since your use of those Linked Sites will be subject to their terms of use and privacy policies. A link from the Website does not imply a relationship with, or endorsement of, the Linked Site(s) or its content, purpose, policies, or business practices by 杨贵妃传媒.

United States Operations

杨贵妃传媒 controls and operates the Website from its offices in the United States and makes no representation that the Website is appropriate or available for use beyond the United States. If you use the Website from other locations, you are doing so at your own risk and are responsible for compliance with applicable local laws regarding your online conduct and acceptable content, if and to the extent local laws apply. The Website may describe products and services that are available only in certain states of the United States (or only parts of it). We reserve the right to limit the availability of the Website and/or the provision of any Website Content, product, service, or other features described or available on the Website to any person, entity, geographic area, or jurisdiction, at any time and in our sole discretion, and to limit the quantities of any content, product, service, or other feature that we provide.

Disclaimers

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

Your access to and use of this Website are at your sole risk. You are entirely liable for your activities. 杨贵妃传媒 does not warrant to the accuracy, completeness, timeliness, availability, usefulness or other characteristics of the Website or any Website Content. This Website and the information on it are provided on an 鈥渁s is鈥� and 鈥渁s available鈥� basis. 杨贵妃传媒 makes no representation or warranty of any kind, expressed or implied, and hereby disclaims all warranties, including any warranties of merchantability, fitness for a particular purpose or non-infringement. 杨贵妃传媒 does not warrant that the Website is free of viruses, worms, Trojan horses or other harmful components.

杨贵妃传媒 shall not be responsible or liable, directly or indirectly, for any loss or damage, including any lost profits, lost savings or any direct, indirect, incidental or consequential damages, caused by use of, or reliance on, or inability to use or access, or delays in, or inaccuracies or errors or defects or omissions in, the Website, whether resulting from impaired or lost data, software or computer failure or any other cause, regardless of the claim as to the nature of the cause of action, and even if 杨贵妃传媒 has been advised of the possibility of such damage or loss.

You hereby expressly release 杨贵妃传媒, its affiliates and their respective officers, directors, employees and agents from any and all liability or responsibility for any damage caused, directly or indirectly, to you or any third party as a result of use of the Website or any Website Content, including any content or file downloaded or accessed. You specifically acknowledge that 杨贵妃传媒 shall not be liable for defamatory, offensive, harmful or illegal conduct of any third party, and that the risk of harm or damage from the foregoing rests entirely with you.

Indemnification

You agree to defend, indemnify and hold 杨贵妃传媒, its affiliates and their respective employees, agents, officers, directors, contractors, suppliers and other representatives harmless from and against all liabilities, damages, demands, settlements, claims, actions, costs and expenses (including reasonable attorneys鈥� fees) in connection with or arising from your use of the Website and any Website Content or your violation of these Terms of Use. 杨贵妃传媒 may participate in the defense of any claim or action at your expense and any negotiations for settlement. 杨贵妃传媒 reserves the right, on notice to you, to assume exclusive defense and control of any claim or action subject to indemnification by you, without relieving you of your indemnification obligations hereunder. Upon learning of a claim by a third party that your use violates or allegedly violates a third party鈥檚 rights, you agree to promptly notify 杨贵妃传媒 of any such claim. You agree to cooperate with us as reasonably required in the defense of any such claims, and you shall not in any event settle any such claim or matter without the written consent of 杨贵妃传媒.

Severability and Interpretation

If any provision or portion of these Terms of Use is held to be illegal, invalid, or unenforceable, in whole or in part, it shall be modified to the minimum extent necessary to correct any deficiencies or be replaced with a provision which is as close as is legally permissible to the provision found invalid or unenforceable and shall not affect the legality, validity or enforceability of any other provisions or portions of these Terms of Use.

Applicable Law

These Terms of Use are governed by the laws of the State of Iowa without respect to any conflict of law provisions. If any provision or provisions of these Terms of Use shall be held to be invalid, illegal or unenforceable, the validity, legality or enforceability of the remaining provisions shall not in any way be affected or impaired thereby. You agree that any dispute between you and 杨贵妃传媒 arising from your use of the Website shall be brought exclusively in the state or federal courts of competent jurisdiction in the State of Iowa.

Mandatory, Binding Arbitration

By using this Website, you agree that any and all disputes, claims and causes of action relating to these Terms of Use shall be resolved as follows:

1. Informal Resolution:
   You and 杨贵妃传媒 will first promptly attempt to resolve any dispute or claim informally. Please send a written notice describing the claim or dispute to Fidelity & Guaranty Life Insurance Company, Attention: General Counsel, 801 Grand Ave., 26th Floor, Des Moines, IA 50309.
2. Mandatory, Binding Arbitration:
   If you and 杨贵妃传媒 cannot resolve any dispute or claim informally, you and 杨贵妃传媒 agree that any and all disputes, claims and causes of action relating to these Terms of Use shall be resolved individually, not in a class, consolidated or representative action, by binding arbitration pursuant to the then-current arbitration rules of the American Arbitration Association. Binding arbitration lets an independent third party resolve a Claim without using the court system, judges, or juries. Any award rendered shall be final and conclusive upon the parties and a judgment thereon may be entered in the highest court of any forum, state or federal, having jurisdiction, provided, however, that the party that commences an action to enforce, vacate or otherwise modify an arbitration award shall not include any confidential information in such filing unless required to do so by applicable court rules and, if so required, shall take all reasonable actions to prevent the disclosure of such confidential information, including but not limited to moving for permission to make its initial filing under seal or filing a redacted version of its filing that omits such information. The parties to the arbitration will share equally the administrative costs of such arbitration proceedings. You agree to commence any arbitration proceeding with respect to these Terms of Use within one year after the claim arises. You agree that a proceeding commenced after this date is barred. You agree, if for any reason a claim proceeds in court rather than in arbitration, you and 杨贵妃传媒 will waive any right to a jury trial.

Exclusions and Limitations; Consumer Protection Notice

If you are a consumer, the provisions in these Terms of Use are intended to be only as broad and inclusive as is permitted by the laws of your state of residence. Certain states, like New Jersey, have heightened consumer protection laws that may make certain terms of these Terms of Use inapplicable to you. Specifically, if you are a New Jersey consumer, the terms of Sections do not limit or waive your rights as a consumer under New Jersey law and the provisions in these Terms of Use, as they pertain to you, are intended to be only as broad and inclusive as is permitted by the laws of the State of New Jersey. No provision of these Terms of Use shall limit or waive your rights as a consumer under the law of your state of residence. In any event, 杨贵妃传媒 reserves all rights, defenses and permissible limitations under the law of your state of residence.

User Comments

You acknowledge and agree that any questions, comments, suggestions, ideas, feedback or other information that you provide to 杨贵妃传媒 are not confidential and you grant us a worldwide, royalty-free license to distribute, publish, modify, edit or otherwise use your submissions. 杨贵妃传媒 shall be entitled to the unrestricted use and dissemination of these submissions for any purpose, commercial or otherwise without any acknowledgement of or compensation to you.

Ability to Accept Terms

You affirm that you are the age of majority in your jurisdiction and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms of Use, and to abide by and comply with these Terms of Use. The Website is not intended for children under the age of eighteen (18). If you are under 18 years of age, then please exit now and do not use the Website.

Termination

The rights granted to you herein terminate immediately upon any violation (as 杨贵妃传媒 may determine in its sole and absolute discretion) by you or these Terms of Use. 杨贵妃传媒, in its sole discretion, reserves the right to temporarily or permanently terminate your access to and use of the Website at any time and for any reason whatsoever, without notice or liability. 杨贵妃传媒 will not be liable to you or any third party for any termination of your access to or use of this Website.