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Terms of Use

Please read the following Terms of Use carefully before you use this website. By accessing and using the site, you are agreeing to these Terms. If you do not agree to these Terms, please do not use the site.

We may change the Terms from time to time, without prior notice. The amended Terms are automatically effective as soon as we post them.

On this page, "you" or "your" mean the person using the site. "We", "us" or "our" mean The Independent Order of Foresters ("Foresters" or “Foresters Financial”) and its affiliated companies. Together, we are the "Foresters family of companies".

Additional or different terms of use may apply to other websites for the Foresters family of companies, and you should review the terms of use posted on the website(s) you wish to use.

A Special Notice about MyForesters

If you are a Foresters member, you may be eligible to register for MyForesters. In the United States members may currently only be anyone insured under a life or health insurance certificate, or an annuitant under an annuity certificate, issued by The Independent Order of Foresters. If you are not an insured under a life or health insurance certificate, or an annuitant under an annuity certificate, issued by The Independent Order of Foresters, or are not a social fraternal, social, or community member, then you are not a member.

MyForesters is an online member information service that allows you to view your member benefits package, to register for member events, and to receive other information or services related to your Foresters membership. You will need to meet the eligibility requirements to use MyForesters; for example, you must be at least 16 years of age.

To use the MyForesters site, you will need a username and password, and any additional security measures that Foresters may require. By obtaining a user name and password, you agree that:

  • you are responsible for keeping your user name and password safe;
  • if someone signs in to the MyForesters site using your username and password, we can treat that person as if they are you;
  • we cannot, and are not required, to confirm the identity or authority of anyone who uses our online services, except by ensuring their password matches their user name;
  • we can rely on this user name and password as electronic identification, to accept instructions given online as if you had given us written signed instructions.

Privacy and Security:

We are committed to keeping your personal information safe and secure in accordance with our Privacy Policy. You can find out more about how we do that by reviewing our Privacy Policy.

No Advice or Solicitation of Offers:

Everyone’s situation and needs are different. This site gives you general information about Foresters Financial’s products. However, it does not intend to give you individualized financial or other tax, legal, estate planning, investment or accounting advice. You should consult your Foresters Financial Representative or other professional adviser if you require any financial or other professional advice. All material on this site is furnished solely for informational purposes and does not constitute an offer to sell or a solicitation of an offer to buy any financial product referenced in this site.

The information on the site is also not intended to be an offer by us to enter into a contract with you. If you would like more information about our products, or how to purchase them, click here. All products and services are subject to the terms and conditions of all applicable agreements.

Availability:

Foresters Financial makes no representation that the products discussed on this site are available in all countries in which Foresters operates, states in the United States or in all geographical areas, nor do we represent that the products are appropriate for all individuals, and the terms and conditions of some products may vary by jurisdiction. You may not be eligible for all of the products described herein. We do not intend to advertise products or services to residents of jurisdictions in which those products or services are not available. Please consult with a Foresters Financial Representative or financial adviser or insurance agent to ascertain product availability and potential suitability.

Ownership and Use of Content:

The content of this site is protected by copyright. You can copy information for your own personal non-commercial use, but may not otherwise republish or reproduce any part without the prior written permission of the applicable Foresters entity.

Trademarks:

Foresters and its affiliated companies each own or are licensed to use the trademarks on this site. For example, The Independent Order of Foresters owns ForestersTM, Foresters Financial and our logo, and its affiliates are licensed to use these. The trademarks are protected by Canadian, U.S and European Union trademark laws. All rights reserved.

Links:

All hypertext-linked websites are completely independent of this site. We do not endorse any external hypertext-linked sites or their products or services. We simply provide these links as a convenience to our site visitors.

Your Responsibility for Security:

If you download any documents from this site, please check to ensure that they are compatible with, and can be saved on, your device.

Warranty Disclaimer:

The use of the site is at your own risk. Foresters provides access to resources and other information on the site as a service to our members, producers and the public. We have taken reasonable efforts to ensure that the information contained in the site is current, complete and accurate. However, please bear in mind that all information on the site is being offered free of charge and that information has not been tailored for your particular requirements. Foresters cannot therefore warrant or represent that the site is current, complete and accurate and cannot accept any liability for any loss you may incur as a result of relying on that information. All information is subject to modification and update from time to time without notice. Certain jurisdictions may not permit certain disclaimers of warranties. In such case, we disclaim warranties to the fullest extent permitted by the applicable law.

Governing Law:

If any provision in these Terms of Use is held invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. These conditions of use shall be governed by and construed in accordance with the laws of the Province of Ontario and the applicable laws of Canada. You hereby consent and submit to the exclusive jurisdiction of the courts of the Province of Ontario sitting in the City of Toronto in any action or proceeding related to your use of this site.

408080 CAN/US (01/12)New Compliance code needed