Welcome to The IUL Group. Your privacy is critically important to us. This privacy policy ("Policy") outlines the types of information we may gather from your use of our website and through our advertising campaigns on Google Ads, Facebook Ads, and Instagram Ads, and how we use this information.
1. Information We Collect
a. Personal Information: We collect information that personally identifies you, such as your name, email address, postal address, phone number, and other similar information when you voluntarily provide it to us. This can occur when you complete forms on our website, subscribe to our newsletters, or interact with our ads.
b. Non-Personal Information: We automatically collect non-personal information such as your IP address, browser type, operating system, referring URLs, and actions taken on the site through cookies and other tracking technologies.
c. Ad Data: We receive information related to your interactions with our ads across Google, Facebook, and Instagram, such as impressions and clicks.
2. Use of Information
a. To Provide Services: We use your information to process transactions, respond to inquiries, and provide customer service.
b. For Marketing and Advertising: We use collected information to tailor and deliver ads on platforms like Google, Facebook, and Instagram that are more relevant to you.
c. Analytics and Improvement: We utilize data to analyze website usage and improve our services and website functionality.
3. Sharing of Information
We may share your information with third-party service providers who perform services on our behalf, including web hosting, data analysis, and marketing assistance. We also share information as necessary if required by law or to respond to legal processes.
4. Cookies and Tracking Technologies
We use cookies and other tracking technologies to enhance your experience on our website and to facilitate advertising and analytics.
5. Your Rights and Choices
You have certain rights regarding the personal information we hold about you. You can request access, correction, updates, or deletion of your personal information. You may also opt out of receiving marketing emails from us by following the unsubscribe link in the emails.
6. Security
We implement appropriate security measures to protect your information from unauthorized access, alteration, or destruction.
7. Changes to This Policy
We may update this privacy policy from time to time. Any changes will be posted on this page with an updated revision date.
8. Contact Us
If you have any questions about this policy or our privacy practices, please contact us at [Insert Contact Information].
9. Governing Law
This policy is governed by the laws of [Insert Jurisdiction] without regard to its conflict of laws provisions.
Privacy Practices for Third-Party Advertisers
We utilize Google Ads, Facebook Ads, and Instagram Ads to promote our services. These platforms have their own privacy practices which you should review separately.
Welcome to The IUL Group. The following terms and conditions (the "Terms") govern all use of our website and all content, services, and products available at or through the website. Our website is offered subject to your acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies (including, without limitation, The IUL Group's Privacy Policy), and procedures that may be published from time to time by The IUL Group (collectively, the "Agreement").
Please read this Agreement carefully before accessing or using our website. By accessing or using any part of the website, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these terms and conditions are considered an offer by The IUL Group, acceptance is expressly limited to these terms.
1. Your Account and Site
If you create an account on the website, you are responsible for maintaining the security of your account, and you are fully responsible for all activities that occur under the account. You must immediately notify The IUL Group of any unauthorized uses of your account or any other breaches of security. The IUL Group will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions.
2. Responsibility of Contributors
If you operate an account, comment on a website, post material to the website, post links on the website, or otherwise make (or allow any third party to make) material available by means of the website (any such material, "Content"), you are entirely responsible for the content of, and any harm resulting from, that Content. That is the case regardless of whether the Content in question constitutes text, graphics, an audio file, or computer software.
3. Payment and Renewal
a. General Terms: By selecting a product or service, you agree to pay The IUL Group the one-time and/or monthly or annual subscription fees indicated (additional payment terms may be included in other communications).
b. Automatic Renewal: Unless you notify The IUL Group before the end of the applicable subscription period that you want to cancel a subscription, your subscription will automatically renew and you authorize us to collect the then-applicable annual or monthly subscription fee for such subscription (as well as any taxes) using any credit card or other payment mechanism we have on record for you.
4. Intellectual Property
This Agreement does not transfer from The IUL Group to you any The IUL Group or third party intellectual property, and all right, title, and interest in and to such property will remain (as between the parties) solely with The IUL Group. The IUL Group, theiulgroup.com, the theiulgroup.com logo, and all other trademarks, service marks, graphics and logos used in connection with theiulgroup.com, or the Website are trademarks or registered trademarks of The IUL Group or The IUL Group’s licensors.
5. Changes
The IUL Group reserves the right, at its sole discretion, to modify or replace any part of this Agreement. It is your responsibility to check this Agreement periodically for changes. Your continued use of or access to the website following the posting of any changes to this Agreement constitutes acceptance of those changes.
6. Termination
The IUL Group may terminate your access to all or any part of the website at any time, with or without cause, with or without notice, effective immediately.
7. Disclaimer of Warranties
The website is provided "as is". The IUL Group and its suppliers and licensors hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement. Neither The IUL Group nor its suppliers and licensors, makes any warranty that the website will be error free or that access thereto will be continuous or uninterrupted.
8. Limitation of Liability
In no event will The IUL Group, or its suppliers or licensors, be liable with respect to any subject matter of this agreement under any contract, negligence, strict liability or other legal or equitable theory for: (i) any special, incidental or consequential damages; (ii) the cost of procurement for substitute products or services; (iii) for interruption of use or loss or corruption of data.
9. General Representation and Warranty
You represent and warrant that (i) your use of the Website will be in strict accordance with the The IUL Group Privacy Policy, with this Agreement and with all applicable laws and regulations (including without limitation any local laws or regulations in your country, state, city, or other governmental area, regarding online conduct and acceptable content, and including all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside) and (ii) your use of the Website will not infringe or misappropriate the intellectual property rights of any third party.
10. Indemnification
You agree to indemnify and hold harmless The IUL Group, its contractors, and its licensors, and their respective directors, officers, employees, and agents from and against any and all claims and expenses, including attorneys' fees, arising out of your use of the Website, including but not limited to your violation of this Agreement.
11. Miscellaneous
This Agreement constitutes the entire agreement between The IUL Group and you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an authorized executive of The IUL Group, or by the posting by The IUL Group of a revised version. Except to the extent applicable law, if any, provides otherwise, this Agreement, any access to or use of the Website will be governed by the laws of the state where The IUL Group is located, excluding its conflict of law provisions, and the proper venue for any disputes arising out of or relating to any of the same will be the state and federal courts located in The IUL Group's state.
12. Contact Information
For any questions, concerns, or disputes, you are encouraged to contact us at the following email address: [email protected].