Terms and Conditions

The Independent Order of Foresters ('Foresters') provides access to resources and other information on this Website as an exclusive service to (IMO) producers. By accessing and using this website, you are accepting and agreeing to be bound by and comply with these Terms. If you do not agree to these Terms, please refrain from accessing or using the Site. The Terms may be changed from time to time, without prior notice. The amended Terms shall automatically become effective immediately after they are posted.

Although reasonable efforts have been made to ensure that all information made available is current, complete and accurate, Foresters does not warrant its currency, completeness or accuracy. All information is subject to change on a regular basis, without notice.

Your use of the Site shall be on an "as is" basis entirely at your risk. Neither Foresters nor any of its affiliated companies, nor any officer, director, or employee thereof, nor any other person associated with the creation of the Site or its contents, shall be liable or responsible to any person for any harm, loss or damage that may arise in any connection with the use of the Site, including without limitation any direct, indirect, special, third party, or consequential damages.

Product descriptions are abbreviated summaries of products highlighting some of their features. Products should be reviewed in detail by reference to the legal documents that govern them. It is not our intention to advertise products or services to residents of jurisdictions in which those products or services are not available.

Any hypertext-linked websites are completely independent of this website. They are provided merely as a convenience to our website visitors. No endorsement of hypertext-linked websites or their products or services is provided by Foresters.

Use of Website Visitor Information
Foresters understands and values the privacy of our members, producers and visitors to our website. Click here for a link to Foresters privacy policy . We shall use our best efforts to ensure that any non-public personal information provided to us will remain confidential and secure and be used only for the purposes identified. Foresters will not disclose the information provided to us to any outside parties without your prior consent. The information will only be made available to Foresters’ employees who have a need to know the information in the performance of their duties. Foresters gathers statistical information regarding visitor website usage. This information includes such data as number of visitors, sessions and page views, length of visits and pages visited and other such information. This data is only used in the aggregate, however, to help determine general usage patterns which will allow us to continually improve our website. This statistical information may be made public at our discretion. None of this data contains any personal information or information that identifies any specific visitor.

Please note that the Internet is not a secure medium and unauthorized modification of the information in this website may occur. Any information you submit to us is insecure and could be seen by other person (s) while in transit.

Foresters uses "cookies" to enable you to sign in to Foresters ezbiz website and to help personalize your online experience. A cookie is a small text file that is placed on your hard disk by a Web page server. Cookies contain information that can later be read by a web server in the domain that issued the cookie to you. Cookies cannot be used to run programs or deliver viruses to your computer.

Foresters uses cookies to store your preferences and other information on your computer in order to save you time by eliminating the need to repeatedly enter the same information and to display your personalized content.

When you sign in to a site using your (IMO) credentials, your unique ID number and the time you signed in are stored in an encrypted cookie on your hard disk. This cookie allows you to move from page to page at the site without having to sign in again on each page. When you sign out, these cookies are deleted from your computer. Your e-mail address may be stored in a cookie that will remain on your computer after you sign out. This cookie allows your e-mail address to be pre-populated, so that you will only need to type your password the next time you sign in. If you are using a public computer or do not otherwise want this information to be stored, you can select the appropriate radio button on the sign-in page, and this cookie will not be used.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to sign in or use other interactive features of Forester sites and services that depend on cookies.

Trademark and Copyright Notice
Foresters is the copyright owner of all text and graphic images contained on this web site, unless otherwise indicated. Foresters trademarks and logo may only be used with the prior written permission of and a license agreement from Foresters, and may only be used if displayed in their correct form, are used in compliance with our organizational standards and are used in keeping with practices that protect our trademarks and copyrighted material. Ownership of the trademarks must be attributed to Foresters in a manner satisfactory to us.

Foresters Linking Agreement Terms

ForestersTM welcomes links to its Web site. If you want to link to the Foresters Web site, you may do so, provided you agree to the Link Conditions, below. By establishing a link to the Foresters Web site, you are deemed to have agreed to these Link Conditions.

If you link to our Web site, Foresters grants you a limited, non-exclusive, nontransferable, royalty-free license to use the Foresters logo, trademarks and Internet icon(s), if available, (the "Licensed Marks") solely for the purpose of serving as a link from your Web site to our Web site. Except for the limited license to use the Licensed Marks granted in this paragraph, you may not use any of Foresters trademarks or service marks (the "Marks") for any reason without our prior written permission.

You acknowledge that all rights to the Marks, the content appearing on the Web site, and the look and feel of this Web site belong to Foresters. You will not at any time directly or indirectly contest or infringe these rights.

Link Conditions

If you link to the Foresters Web site, your Web site:

• Should not create frames around the Foresters Web site or use any technique that alters the visual presentation of Foresters Web site without specific permission from Foresters.
• Should not alter the Foresters logo in any way (including any reduction in size (kilobytes) or change in dimensions).
• Should not imply that Foresters is endorsing you or your products or services.
• In the absence of any affiliation with Foresters, should not imply an affiliation between your company and Foresters.
• Should not misrepresent your relationship with Foresters or present false or misleading impressions about Foresters products or services
• Should not contain materials that may be interpreted as distasteful or offensive; all materials should be appropriate for all age groups.
• Should not use the Foresters logo and any other Foresters names, marks, or other materials in a manner that is likely to cause confusion, dilute or damage the reputation or image of Foresters or any of its products and services.
• Should immediately cease and desist using our logo and/or linking to our site on our written or electronic request.

Foresters has no responsibility or liability for any content appearing on your Web site.