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Terms and Conditions

This website is owned and operated by Medico Insurance Company (“Medico”). By using or accessing this website, you indicate your understanding of these Terms and Conditions and agree to accept them and be legally bound by them. Please feel free to contact Medico for an explanation of any terms and conditions that you do not understand. Please review these Terms and Conditions carefully prior to using the website.

Intellectual Property All information and content on this site, including but not limited to text, graphics, video and audio files, photos, logos, and trademarks (“Protected Material”) are owned or licensed by Medico, unless otherwise noted, and are protected by United States intellectual property laws. Removal or reproduction by any means of any content or functionality of this website, or any Protected Material, is expressly prohibited without the prior written consent of Medico. Any unauthorized use of the Protected Material may violate copyright, trademark, or privacy laws.

“Medico” and “Protecting Your Future Today” are registered trademarks owned and licensed by Medico Insurance Company.

License In your use or access of this website, Medico grants you a non-exclusive, non-transferable, temporary license to use the website and its contents. Medico may revoke this license at any time upon notice to you if you fail to comply with these Terms and Conditions, or for any reason in Medico’s sole discretion.

Product Information The product information contained within this site is provided for informational purposes only and subject to change. Some products may not be available in all states and are subject to applicable regulations. An insurance policy or certificate provided by Medico to you constitutes the contract between the parties, and its terms and description of coverage, including any limitations or exclusions, shall govern. If there is a discrepancy between the product information included on the website and the contract, the contract language will prevail. You may contact your insurance agent or contact Medico at 1-800-228-6080 to learn more about a particular product.

Links to Third Party Websites This website may contain links to third party websites. Neither Medico nor its affiliates is responsible or liable for the content or accuracy of third party websites. A link does not imply affiliation or endorsement with any website unless so stated.

Limitation of Liability and Disclaimer of Warranty Reasonable efforts will be made to include current, accurate information on this website. However, you use and access this website at your own risk. Further, use of the Internet is solely at your own risk and subject to all applicable laws. Medico works to apply appropriate security protocols to the website and electronic communications that are attached, but Medico cannot guarantee the confidentiality of communication or material transmitted to or from this website.

Medico will not be liable for any loss or damages, which includes electronic or technical failure, error, omission, natural disasters, governmental restrictions, failure of performance, or computer viruses.

This website, its content, functionality, and services are provided “as is.” Medico disclaims any warranties of any kind, whether express or implied, statutory or otherwise. Medico does not warrant the accuracy, completeness, or usefulness of the information on this website. Medico does not warrant that the functions contained in this website meet any specific requirements or that the website will operate in an error- or omission-free fashion, or that it will operate uninterrupted, or that it will be without defects or errors. Please note that some jurisdictions do not allow the waiver or exclusion of implied warranties, so these may not apply to you.

Indemnification By using this website, you agree to indemnify Medico, its affiliates, and their officers, directors, employees, agents, and any third-party information providers from and against any and all claims, losses, liabilities, judgments, costs, expenses (including reasonable attorney fees), and damages resulting from your use of this website, your negligent or intentional acts, your failure to comply with applicable law, or your breach of the terms and conditions outlined within this website.

Changes to Website, Terms and Conditions All content on this website, including these Terms and Conditions, is subject to change at any time without prior notice. Any changes become effective immediately upon posting to this website. Your continued use or access of this website following any changes means that you accept and agree to these changes.

Website Monitoring To protect the system from unauthorized use and to ensure that the system is functioning properly, activities on this system may be monitored and recorded. By using this system, you expressly consent to such monitoring and are advised that if such monitoring reveals possible evidence of criminal activity, Medico may provide evidence from such monitoring to law enforcement officials.

Privacy and Security Privacy and security practices of Medico as it relates to this website and the information Medico collects from you through this website, are captured in Medico’s Notice of Website Privacy and Security Practices contained on this website.

Governing Law These Terms and Conditions are governed by the laws of Iowa without regard to any conflicts of law principles or choice of law provisions of any jurisdiction. By using or accessing this website, you consent to the exclusive jurisdiction of state and federal courts in Des Moines, Iowa, and agree to waive any jurisdictional or venue defenses otherwise available. You agree that any legal action or proceeding between you and Medico related in any way to these Terms and Conditions must be commenced within one year after the claim or cause of action arises.

Additional Terms These Terms and Conditions constitute the entire agreement between you and Medico regarding your use and access of this website and supersedes all prior agreement, representations, or understandings with respect to the website. Medico may assign its rights and duties under these Terms and Conditions to any party at any time. Failure to enforce any provision of these Terms and Conditions will not be construed as a waiver of any provision. The invalidity or unenforceability of any provision will not affect the validity or enforceability of the rest of these Terms and Conditions.