Terms and Conditions

For purposes of this Terms and Conditions statement only “We (or Us or Our)” is defined as the Cotton States Insurance group, which consists of Cotton States Mutual Insurance CompanySM, Cotton States Life Insurance CompanySM, Shield Insurance Company, CS Marketing Resources, Inc.® and their affiliates.

These terms and conditions are applicable to use of this website, regardless of how you accessed it.

Please read these Terms and Conditions carefully. By making use of this website you agree to be bound by the Terms and Conditions set out below and any additional terms and conditions set forth on individual pages of the website. If you do not wish to be bound by these Terms and Conditions, do not continue to use or access this website.

Your continued use of this website constitutes your binding acceptance of these Terms and Conditions, including any changes or modifications made hereafter. The updated, on-line version of these Terms and Conditions shall supersede any prior version. By accepting and agreeing to these Terms and Conditions, you represent that you have full power and authority to enter into and perform this agreement and that such ability is not limited or restricted in any way.

Product and Service Information
Insurance products and services promoted through this website are underwritten and issued by the insurance companies of the Cotton States Insurance (“Cotton States”) group, which are based in Atlanta, Georgia and the COUNTRY® Financial (“COUNTRY”) group, which are based in Bloomington, Illinois, as more specifically set forth on the individual page of this website. The descriptions of the various products and services offered, by Cotton States and COUNTRY affiliates contained in this website are provided solely for general informational purposes. The information and descriptions contained herein are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the products and services.

The precise insurance coverage under any Cotton States or COUNTRY® product is subject to the terms, conditions and exclusions in the actual policies as issued. Products and services described in this website vary from state to state and not all products, coverages, or services are available in all states in which We operate. Check with your Cotton States representative or Contact Us for more information.

Quote or Cost Comparison Information and Restrictions
Any quote or cost comparison provided through this website is not a contract, binder or agreement to extend insurance coverage. The coverage information in Our quotes or cost comparisons are based on the most common coverage selected by our customers, and actual coverage available may vary based on the laws of each state.

If a policy is issued to you, the premium will be based on the information, rates and rules in effect at that time for the issuing insurance company. Quotes or Cost comparisons are based on the information provided by you, and all information is subject to verification. If any information you provided is inaccurate, incomplete, or additional information is discovered, the quoted rate will be invalid and a new rate may apply. To obtain coverage, you must submit an application to a qualified representative and a policy must be issued to you.

Cotton States Insurance is committed to notifying people applying for insurance about Our information practices and Our use of credit-based insurance scores. If you are interested in more detail on Our information practices, please read our Privacy Policy.

License Information
For Insurance Affiliates:
We provide this information to promote insurance products within specific jurisdictions in the United States of America only. This information is only applicable to and intended for use in those areas in which We are authorized to write insurance business. We may not transact insurance business in other locations. A listing of the states in which We are licensed and operating can be found on the website’s navigation bar titled, "Why Choose Cotton States - Where Cotton States Does Business."

For Financial Services Affiliates:
Investment management, retirement, trust and planning services provided by COUNTRY Trust Bank®, a federally chartered thrift. Products and services offered by COUNTRY Trust Bank® are not insured by the FDIC, are not a deposit into or guaranteed by any bank, and may lose value.

COUNTRY Capital Management Company® is a limited purpose registered broker/dealer that is registered to do business in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Indiana, Illinois, Iowa, Kansas, Kentucky, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oklahoma, Oregon, Tennessee, Texas, Vermont, Washington, and Wisconsin.

COUNTRY Fund Management, a department of COUNTRY Trust Bank® serves as investment advisor to the COUNTRY Mutual Funds and receives fees for those services. COUNTRY Mutual Funds are available only in limited jurisdictions within the United States of America. COUNTRY Mutual Funds are not insured by the FDIC, are not a deposit into or guaranteed by any bank, and may lose value. For more information, including management fees and other charges and expenses, you may download a COUNTRY Mutual Funds Prospectus. Read it carefully before you invest. COUNTRY Mutual Funds are distributed by Quasar Distributors, LLC, which is located in Milwaukee WI, 53202, and is not an affiliate of COUNTRY Trust Bank®.

Website Visitor Responsibilities
You are solely responsible for any information you provide us or other visitors through your use of this website, and you agree that information you provide will be accurate and will not a) infringe any third party's copyright, trademark or other proprietary rights of publicity or privacy; nor b) be defamatory, libelous, otherwise threatening or harassing, or otherwise violate any applicable law or regulation. You may not use the website to conduct any illegal business or activity.

Information you provide to the website may be lost or destroyed, or may be edited or removed from the website by us. We are not responsible for the loss of such information. You should retain copies of all important information you provide to the website.

You are responsible for keeping your password confidential. You agree that We are authorized to act on instructions given under your password or identification, even if you did not consent to the transaction submitted. You agree to notify us toll free at 1-866-714-6902 about any unauthorized use of your password or breach of security applicable to your password, identification, or use of this website.

We operate a commercial website, and insurance or financial transactions with Cotton States are not intended for children. We do not knowingly collect or solicit any information from or about any children for marketing purposes through this website.

Intellectual Property Rights
The Cotton States names, logos and marks are the property of Cotton States Mutual Insurance CompanySM and Cotton States Life Insurance CompanySM, or its other affiliates. The COUNTRY® names, logos and marks are the property of COUNTRY Mutual Insurance Company® and COUNTRY Life Insurance Company®, or its other affiliates. You are not authorized to use any Cotton States or COUNTRY® name or mark in any advertising, publicity, or in any other commercial manner without Our written consent. All rights in and to the website belong to Cotton States Mutual Insurance CompanySM. The website and its content, aside from user contributions, are protected by copyright, both with respect to individual content and as a collective work and/or compilation, pursuant to U.S. copyright law, international conventions, and other copyright laws. You may not modify, publish, create derivative works from, distribute or otherwise exploit any of the website's protected content without Our prior written consent.

Limitation of Liability, Waivers and Disclaimers
YOU EXPRESSLY AGREE THAT USE OF THIS WEBSITE IS AT YOUR SOLE RISK. NEITHER COTTON STATES MUTUAL INSURANCE COMPANYSM, COTTON STATES LIFE INSURANCE COMPANYSM, SHIELD INSURANCE COMPANY, CS MARKETING RESOURCES, INC.®, NOR ANY OF THEIR PARENTS, AFFILIATES, SUBSIDIARIES, ASSIGNEES, LICENSEES, OFFICERS, AGENTS, EMPLOYEES (KNOWN ALL TOGETHER HERE AS “COTTON STATES”) WARRANT THAT THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE.

THE WEBSITE IS OFFERED "AS IS" AND "AS AVAILABLE" WITH NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF SECURITY, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. ALL WARRANTIES ARE DISCLAIMED.

COTTON STATES SHALL HAVE NO LIABILITY FOR ANY INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL OR PUNITIVE DAMAGES SUFFERED BY YOU OR ANY OTHER PARTY AS A RESULT OF THE OPERATION, INABILITY TO OPERATE OR MALFUNCTION OF THE WEBSITE, REGARDLESS OF WHETHER OR NOT ANY SUCH PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

You waive any claim against Us based upon the quality or availability of the website, regardless of cause.

You acknowledge that any network communication or activity involves resources beyond Our control, including, without limitation, e-mail, file transfers, and information gathering, and is subject to risks inherent to the Internet and to communications generally. We make no representation that any data sent to or from, or residing at, Our website or systems are safe from destruction, corruption, misdirection, or service interruption.

You agree that We shall not be liable for failure to provide services or access to this website during any period in which it cannot perform due to any cause beyond Our control, including without limitation natural disaster, power failure, accident, labor controversy, act of God, or the intervention of any government authority.

Third Party Content
Our website contains links to other Internet sites, including other insurance affiliates, that are not maintained by Cotton States ("Third Party Sites"). These links are provided solely for convenience. Cotton States makes no warranties or representations about the contents of or any products or services offered by such Third Party Sites. We encourage you to read the terms and conditions of Third Party Sites prior to using them.

General
We recognize that insurance and financial services transactions involve complex financial and legal issues. Nothing on this website is intended as a substitute for professional advice regarding legal, tax, or financial planning matters. You should consult a professional of your choice for individual advice tailored to your situation. In addition, the safety information included in this website is not intended as health or engineering advice, and should not be relied upon as a substitute for professional advice on these topics.

No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term. No waiver of any term shall be effective absent expressed written consent by an authorized representative of Cotton States Insurance.

We reserve the right to access and disclose any information necessary to comply with applicable laws and lawful government requests, to operate Our systems properly, or to protect us from harm or liability.

Governing Law and Severability
This Agreement shall be governed by the laws of the State of Georgia without regard to its conflict of law provisions. If any provision of this Agreement should be invalid under applicable laws, such provision shall be ineffective to the extent of such conflict without affecting the remaining provisions of this Agreement.