What is an ANNUITY?
An annuity is a contract from an insurance company that offers to pay income to…
Why buy the ELM INCOME ANNUITY?
This contract, issued by Principal Life Insurance Company, is for your consideration…
Why buy the ELM INDEX ANNUITY?
This contract is for your consideration if you are not yet ready to turn your assets…
Terms of Use
ACCEPTANCE OF TERMS OF USE
ELM Income Group, Inc., its subsidiaries and affiliates (“ELM,” “we,” “us” or “our”) requires that all visitors (“you”) to our Web site(s) (“Site”) abide by the following Terms of Use (“TOU”). By accessing and using the Site you indicate your agreement to these TOU. If you do not agree to these TOU, please do not access or use the Site.
DESCRIPTION OF SERVICES
The Site provides you with access to a variety of resources, including but not limited to, articles, information, decision guides, Q&A, glossaries, and other information related to ELM, retirement planning and annuities (“Services”). The Services are subject to these TOU.
SCOPE OF USE
Copyrights
All information and content available on or through the Site (“Content”) is protected by copyright. You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creative derivative works or using any Content available on or through the Site for commercial or public purposes. You agree not to remove any proprietary notices from materials you obtain through the Services, including but not limited to, copyright or trademark notices.
Trademarks
“ELM,” “ELM INCOME GROUP,” the ELM Income Group logo and ELM Income Group service names are trademarks or service marks of ELM. References to other companies and their services or products use trademarks or service marks owned by the respective companies and are for reference purpose only. You are prohibited from using any trademarks or service marks for any purposes, including but not limited to use as metatags on other pages or sites on the Internet without the written permission of ELM or such third party which may own the trademark or service mark.
International Use
ELM makes no representation that any Content or Services are appropriate or available for use in locations outside the United States, and accessing them from territories where their contents are illegal is prohibited. Users who choose to access this Site from other locations do so of their own initiative and are responsible for compliance with local laws.
Children Under 13
We do not knowingly solicit data online from, or market online to, children under the age of 13.
No Unlawful or Prohibited Use
Your access to and use of the Site and Services is subject to all applicable international, federal, state and local laws and regulations. You may not use the Services in any manner that could damage, disable, overburden, or impair any ELM server, or the network(s) connected to any ELM server, or interfere with any other party’s use and enjoyment of any Services. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Services.
NO INVESTMENT ADVICE OR OFFERS
Nothing in the Site constitutes investment advice and is not an offer to sell or solicitation of an offer to buy any security.
PRIVACY POLICY
We believe that the responsible use of personal information is critical to the continued success of the Internet. As such, we are committed to the highest standards in protecting and safeguarding your right to privacy while using the Services. For further information, please see our Privacy Policy.
DOCUMENTS AVAILABLE ON THE SITE
We grant you permission to use Content (such as white papers, articles, press releases, Q&A, FAQs, and data sheets) that we make available for downloading from the Site (the “Documents”) provided that your use of such Documents is in accordance with these TOU.
ELM AND/OR ITS SUBSIDIARIES, AFFILIATES AND SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION CONTAINED IN THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED AS PART OF THE SERVICES FOR ANY PURPOSE. ALL SUCH DOCUMENTS AND RELATED GRAPHICS ARE PROVIDED “AS IS,” “WHERE IS,” AND “AS AVAILABLE” AND ELM AND/OR ITS SUBSIDIARIES, AFFILIATES AND SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND REPRESENTATIONS WITH REGARD TO THE DOCUMENTS AND RELATED GRAPHICS, INCLUDING ALL WARRANTIES AND REPRESENTATIONS WHETHER EXPRESS, IMPLIED OR STATUTORY, OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED ON THE SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. ELM AND/OR ITS SUBSIDIARIES, AFFILIATES AND SUPPLIERS MAY MAKE CHANGES IN THE DOCUMENTS, RELATED GRAPHICS, PRODUCT(S) AND/OR PROGRAM(S) DESCRIBED IN THE SERVICES AT ANY TIME AND FROM TIME TO TIME.
LINKING
THIS SITE MAY PROVIDE A LINK TO OTHER SITES BY ALLOWING YOU TO LEAVE THIS SITE TO ACCESS THIRD-PARTY MATERIAL OR BY BRINGING THE THIRD-PARTY MATERIAL INTO THIS SITE VIA “INVERSE” HYPERLINKS AND FRAMING TECHNOLOGY (A “LINKED SITE”). ELM HAS NO DISCRETION TO ALTER, UPDATE, OR CONTROL THE CONTENT ON A LINKED SITE. THE FACT THAT ELM HAS PROVIDED A LINK TO A SITE IS NOT AN ENDORSEMENT, AUTHORIZATION, SPONSOSRSHIP, OR AFFILIATION WITH RESPECT TO SUCH SITE, ITS OWNERS OR ITS PROVIDERS. THERE ARE INHERENT RISKS IN RELYING UPON, USING, OR RETRIEVING ANY INFORMATION FOUND ON THE INTERNET, AND ELM URGES YOU TO MAKE SURE YOU UNDERSTAND THESE RISKS BEFORE RELYING UPON, USING OR RETRIEVING ANY SUCH INFORMATION ON A LINKED SITE.
ELM prohibits caching, unauthorized hypertext links to the Site, or the framing of any Content available through the Site. ELM reserves the right to disable any unauthorized links or frames and specifically disclaims any responsibility for the Content available on any other Internet sites linked to the Site.
DISCLAIMER OF WARRANTIES
THE SERVICES, THE CONTENT AND THE DOCUMENTS ON THE SITE ARE PROVIDED “AS IS,” “WHERE IS,” AND “WHERE AVAILABLE” AND ELM AND ITS SUBSIDIARIES, AFFILIATES AND SUPPLIERS EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC OPINION, ADVICE, PRODUCT, SERVICE, OR OTHER CONTENT.
LIMITATION OF LIABILITY
ELM AND ITS SUBSIDIARIES AND AFFILIATES AND THEIR RESPECTIVE OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, OR AGENTS WILL NOT BE LIABLE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION, LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE, OR LOST OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE SITE, THE SERVICES, THE CONTENT OR THE DOCUMENTS, EVEN IF ELM IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES.
YOU ALSO AGREE THAT ELM WILL NOT BE LIABLE FOR ANY INVESTMENT DECISION MADE OR ACTION TAKEN BY YOU OR OTHERS BASED UPON RELIANCE ON CONTENT, DOCUMENTS, NEWS, INFORMATION, OR ANY OTHER MATERIAL AVAILABLE ON THE SITE OR THROUGH A LINKED SITE.
MODIFICATIONS TO TOU
We reserve the right to modify these TOU at any time for any reason without notice to you and users are deemed to be apprised of and bound by any changes to these TOU. The most current version of these TOU can be reviewed by clicking on the “Terms of Use” hypertext link located at the bottom of our Web pages.
VIOLATIONS OF TOU
We reserve the right to seek all remedies available at law or in equity for violations of these TOU, including the right to block access from a particular Internet address to the Site.
DMCA — COPYRIGHT INFRINGEMENT CLAIMS
ELM has registered an agent with the United States Copyright Office in accordance with the terms of the Digital Millennium Copyright Act (the “DMCA”) and avails itself of the protections under the DMCA. ELM reserves the right to remove any materials on the Service that allegedly infringe another person’s copyright. If you believe your copyright has been infringed, please notify us at .
GOVERNING LAW
THESE TOU SHALL BE GOVERNED BY THE LAWS OF THE DISTRICT OF COLUMBIA, EXCLUDING ITS CONFLICTS OF LAWS PRINCIPLES. YOU EXPRESSLY AGREE THAT THE EXCLUSIVE JURISDICTION FOR ANY CLAIM OR ACTION ARISING OUT OF OR RELATING TO THESE TOU OR YOUR USE OF THE SERVICES SHALL BE FILED ONLY IN FEDERAL COURTS LOCATED IN THE DISTRICT OF COLUMBIA, AND YOU FURTHER AGREE AND SUBMIT TO THE EXERCISE OF PERSONAL JURISDICTION OF SUCH COURTS FOR THE PURPOSE OF LITIGATING ANY SUCH CLAIM OR ACTION.
CONTACT US
ELM Income Group, Inc.
P.O. Box 66118
Washington, DC 20035-6118
Last Revised: December 12, 2006