© 2026 Iowa Land Title Association.
IOWA LAND TITLE ASSOCIATION WEBSITE PRIVACY POLICY
Last Modified: April 8, 2026

NOTICE: We do not sell your personal information for money. We may share personal information with service providers and as otherwise described in this policy.
Iowa Land Title Association (“Company”, “we”, “our”, or “us”) respects your privacy and is committed to protecting it through our compliance with this policy.
“Services” means the website(s) and any mobile applications, online platforms, and related digital services operated by Company, including any membership
portals, directories, and other features accessible through iowalandtitle.org. This policy should be read together with our Terms of Use. If there is a conflict
between this Privacy Policy and the Terms of Use regarding the collection, use, or sharing of personal data, this Privacy Policy will govern.
This policy applies only to information we collect:
•  Through the Services.
•  In communications, including email, text, chat, and other electronic messages, between you and the Services.
It does not apply to information collected by:
•  Us offline or through any other means, including on any other website operated by Company or any third party that does not link to this policy; or
•  Any third party, including through any application or content (including advertising) that may link to or be accessible from or through the Services.
We may provide additional or different privacy policies that are specific to certain features, services, or activities.
Please read this policy carefully to understand our policies and practices regarding your information and how we treat it. By interacting with our Services or
providing us with your information, you agree to the collection, use, and sharing of your information as described in this privacy policy. This policy may change
from time to time (see Changes to Our Privacy Policy). Your continued use of the Services after we make changes as described here is deemed to be
acceptance of those changes, so please check the policy periodically for updates.
Children’s and Minors’ Data:
Our Services are intended for a general audience and are not directed to children. We do not knowingly collect personal data from children under 13. If you
are under 18, you should use the Services only with the involvement of a parent or legal guardian. If we learn that we have collected personal data from a
child under 13, we will delete it.
The Personal Data That We Collect or Process:
“Personal data” is information that identifies, relates to, or describes, directly or indirectly, you as an individual, such as your name, email address, telephone
number, home address, or payment information (for example, account information such as name, postal address, and email address, credit card number, or
any other identifier we may use to contact you online or offline).
The types and categories of personal data we collect or process include:
•  Account and contact information, including name, address (such as home address, work address, or other address), email address, phone number,
username, and other contact information you provide us.
•  Payment information, including credit card or debit card information.
•  Account history, including information about your subscription, account, transactions, purchases, order history, or discounts.
•  Location information.
•  Device information, including your IP address.
•  Content and information you elect to provide as part of your profile or in any reviews you make through the Services or emails, chats, or other
communications sent to us. Some of the information identified above may be considered sensitive data under certain laws. If required under applicable law,
we will collect and process sensitive personal data only with your consent. If you choose not to provide or allow us to collect some information, we may not
be able to provide you with requested features, services, or information.
We may also collect:
•  Statistics or aggregated information. Statistical or aggregated data does not directly identify a specific person, but we may derive non-personal
statistical or aggregated data from personal data. For example, we may aggregate personal data to calculate the percentage of users accessing a specific
Services feature.
•  Technical information. Technical information includes information about your internet connection and usage details about your interactions with the
Services, such as clickstream information to, through, and from our Services (including date and time), products that you view or search for; page response
times, download errors, length of your visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), or methods used
to browse away from a page. If we combine orconnect non-personal statistical or technical data with personal data so that it directly or indirectly identifies
an individual, we treat the combined information as personal information.
How We Collect Your Personal and Other Data
You Provide Information to Us:
We collect information about you when you interact with our Services, such as when you create or update an account, place an order, subscribe, or create,
upload, or post content to the Services, which may include reviews, media such as photos, videos, or audio recordings. If you create an account, certain
profile information you submit (such as name, business affiliation, and contact information) may be displayed publicly on our website, including in a
membership directory. Please remember that any information you may disclose in our website forums or other public areas of our website or the Internet
becomes public information and can be viewed, collected, and used by others, and may be cached by search engines or archived. Your profile settings
may allow you to control certain public-facing fields, but we cannot guarantee that third parties will not copy or further disseminate information you make
public. You should exercise caution when deciding to disclose personal information in these public areas.
Automatically Through Our Services:
As you navigate through and interact with our Services, we may use automatic data collection technologies to collect information that may include personal
data. Information collected automatically may include usage details, IP addresses, operating system, and browser type, and information collected through
cookies, web beacons, and other tracking technologies including details of your interactions with our Services, such as traffic data, location data, logs, and 
other communication data, and which resources and Services features that you access and use. We may use cookies and similar technologies to operate
the Services, remember preferences, help with account login, and understand how the Services are used (for example, through analytics tools). We do not
use cookies for cross-site behavioral advertising. Third-party service providers that support the Services (such as website hosting, payment processing, or
analytics providers) may use cookies or similar technologies in connection with providing services to us. These third parties may use tracking technologies
to collect information about you when you use the Services. The information they collect may be associated with your personal data or they may collect
iinformation, including personal data, about your online activities over time and across different websites, apps, platforms, and other online services.
They may use this information to provide you with interest-based (behavioral) advertising or other targeted content. We do not control these third parties’
tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the 
responsible provider directly. You can set your browser to refuse all or some browser cookies or other tracking technology files, or to alert you when these
files are being sent. If you disable or refuse cookies or similar tracking files, some Services features may be inaccessible or not function properly. Some
browsers include a “Do Not Track” (DNT) setting that can send a signal to the online services you visit indicating you do not wish to be tracked. We may
use cookies to save your settings and to provide customizable and personalized services. Service roviders that support the Services may use their own
cookies or similar technologies as part of providing services to us. We do not control use of these cookies and expressly disclaim responsibility for 
information collected through them.
How We Use Your Information:
We use personal data to: (a) provide and administer the Services (including user accounts, member services, directories, and payments); (b) communicate
with you about your account, membership, transactions, events, or inquiries; (c) maintain the security and integrity of the Services and prevent fraud or
misuse; (d) improve and develop the Services; (e) comply with law and enforce our Terms of Use; and (f) for any other purpose described to you at the
time of collection. We may share personal data with service providerswho perform functions on our behalf (for example, website hosting, payment
processing, email delivery, or analytics), and with third parties (i) as required by law or legal process, (ii) to protect the rights, safety, and property of the
Company, our users, or others, and (iii) in connection with a merger, reorganization, dissolution, or sale of some or all of our assets (in which case
information may be transferred as part of that transaction).
How We Protect Your Personal Data:
Services and websites we maintain have security measures in place to protect the loss, misuse, and alteration of the information under our control.
While we make efforts to ensure the integrity and security of our network and systems, we cannot guarantee that our security measures will prevent
third-party “hackers” from illegally obtaining this information.
How We Retain Your Personal Data:
We may keep the categories of personal data described in this policy for as long as reasonably necessary to fulfill the purposes described or for as
otherwise legally permitted or required, such as maintaining the Services, operating our organization, complying with our legal obligations, resolving
disputes, and for safety, security, and fraud prevention. This means that we consider our legal and business obligations, potential risks of harm, and
nature of the information when deciding how long to retain personal data. At the end of the retention period, personal data will be deleted, destroyed,
or deidentified.
Your Choices:
You may update certain account information by logging into your account. You may also contact us to request access to, correction of, or deletion
of personal data we maintain about you, subject to legal and operational limitations. If you have opted in to receiving emails from us, you may opt out
by using the unsubscribe link (if provided) or contacting us.
Changes to Our Privacy Policy:
We may update this policy from time to time, and we will provide notice of any such changes to the policy as required by law. The date the privacy
policy was last updated is identified at the top of the page. We will notify you of changes to this policy by updating the “last updated” date and posting
the updated policy on the Services. We may email or otherwise communicate reminders about this policy, but you should check our Services
periodically to see the current policy and any changes we have made to it.
Contact Information:
To exercise your rights or ask questions or comment about this privacy policy or our privacy practices, contact us at: ILTA@iowalandtitle.org

© 2026 Iowa Land Title Association.
IOWA LAND TITLE ASSOCIATION WEBSITE TERMS OF USE
Last Modified: April 8, 2026

Acceptance of the Terms of Use:
These terms of use are entered into by and between you and Iowa Land Title Association (“Company,” “we,” or “us”). The following terms and conditions, together with any documents they incorporate by reference (collectively, “Terms of Use”), govern your access to and use of iowalandtitle.org, including any content, functionality, and services offered or accessed on or through iowalandtitle.org (the “Website”), whether as a guest, member, or other registered user.
Please read the Terms of Use carefully before you use the Website. By using the Website, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, as posted on the Website, incorporated herein by reference. If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the Website.
Changes to the Terms of Use:
We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them. Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page each time you access this Website so you are aware of any changes, as they are binding on you.
Accessing the Website and Account Security:
We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict user access, including registered user access, to parts of or the entire Website.
You are responsible for both:
•Making all arrangements necessary for you to have access to the Website.
•Ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them.
To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with this Website or otherwise, including, but not limited to, through the use of any interactive features on the Website, is governed by our Privacy Policy, as posted on the Website, and you consent to all actions we take with respect to your information consistent with our Privacy Policy. If you choose, or are provided with, a username, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your username, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.We have the right to disable any username, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion and sole discretion, you have violated any provision of these Terms of Use.
Public Member Information and Directory:
Certain information provided by members or users in connection with their accounts, including names, business affiliations, contact information, and other professional details, including any information you elect to include in your profile or directory listing, may be displayed publicly on the Website, including in a membership directory or similar feature. By submitting such information, you acknowledge and agree that (a) you authorize the Company to display such information publicly on the Website, including in a membership directory or similar feature, (b) you are solely responsible for the accuracy and completeness of the information you provide, and (c) the Company does not verify, endorse, or guarantee the accuracy of any user-provided information. The Company shall not be liable for any claims, damages, losses, or disputes arising out of or relating to the display, use, or reliance upon any information provided by users or members. The Company does not assume any obligation to monitor, verify, update, or remove user- or member-provided information, and any use of, or reliance upon, such information is at your own risk.
Intellectual Property Rights:
The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
These Terms of Use permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as follows:
•Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
•You may store files that are automatically cached by your Web browser for display enhancement purposes.
•You may print or download one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.
•If we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.
You must not:
•Modify copies of any materials from this site.
•Use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text.
•Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this site.
You must not access or use for any commercial purposes any part of the Website or any services or materials available through the Website.
If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Website in breach of the Terms of Use, your right to use the Website will stop immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws.
Trademarks:
The Company name and variations thereon, including the term “ILTA,” the Company logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.
Acceptable Use:
You agree to use the Website only for lawful purposes and in accordance with this Privacy Policy and the Website Terms of Use. We do not actively monitor user activity or user-provided content as a matter of course, but we reserve the right to review, remove, or restrict access to content or accounts that violate our policies or applicable law.
You agree not to use the Website to:
•Violate any applicable federal, state, local, or international law or regulation.
•Harm, exploit, harass, threaten, defame, or impersonate any person or entity, including minors.
•Post, upload, transmit, or otherwise make available content that is unlawful, fraudulent, misleading, obscene, hateful, or infringing.
•Engage in fraudulent activity, scams, or deceptive practices.
•Infringe or misappropriate the intellectual property, privacy, or publicity rights of others.
•Collect, scrape, harvest, or use personal or contact information of users or members (including directory information) without authorization.
•Send unsolicited commercial messages, spam, or similar solicitations.
•Attempt to gain unauthorized access to accounts, systems, or data, or interfere with the security or operation of the Website.
•Introduce malware, viruses, or other harmful code, or engage in activities that disrupt or degrade the Website or other users’ access.
We may suspend or terminate access to the Website, remove content, or take other appropriate action if we reasonably believe a violation has occurred. We may also cooperate with law enforcement or disclose information as required by law or to protect the rights, safety, or property of the Company or others.
Prohibited Uses:
You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:
•In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
•For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
•To send, knowingly receive, upload, download, use, or re-use any material that does not comply with the Content Standards set forth below in these Terms of Use.
•To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation.
•To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity (including, without limitation, by using email addresses or screen names associated with any of the foregoing).
•To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm the Company or users of the Website, or expose them to liability.
Additionally, you agree not to:
•Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website.
•Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.
•Use any manual process to monitor or copy any of the material on the Website, or for any other purpose not expressly authorized in these Terms of Use, without our prior written consent.
•Use any device, software, or routine that interferes with the proper working of the Website.
•Harvest, scrape, or collect information about users or members (including contact information) from the Website, including from any directory or profile pages, for any purpose, including marketing, solicitation, or spam.
•Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
•Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.
•Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.
•Otherwise attempt to interfere with the proper working of the Website.
User Contributions:
The Website may contain message boards, chat rooms, personal web pages or profiles, forums, bulletin boards, and other interactive features (collectively, “Interactive Services”) that may allow users to post, submit, publish, display, or transmit to other users or other persons (hereinafter, “post”) content or materials (collectively, “User Contributions”) on or through the Website. All User Contributions must comply with the Content Standards set out in these Terms of Use. Any User Contribution you post to the site will be considered non-confidential and non-proprietary. By providing any User Contribution on the Website, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose such material as reasonably necessary in connection with the operation, promotion, and administration of the Website and the Company’s mission.
You represent and warrant that:
•You own or control all rights in and to the User Contributions and have the right to grant the license granted above to us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns.
•All of your User Contributions do and will comply with these Terms of Use.
You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and you, not the Company, have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness.
The Website functions as a platform for users to share information and communicate. We do not control, endorse, or adopt User Contributions, and we disclaim any liability arising from User Contributions, including claims of defamation, privacy/publicity violations, or intellectual property infringement, to the fullest extent permitted by law. We are not responsible or liable to any third party for the content or accuracy of any User Contributions posted by you or any other user of the Website.
Monitoring and Enforcement; Termination:
We have the right to:
•Remove or refuse to post any User Contributions for any or no reason in our sole discretion.
•Take any action with respect to any User Contribution that we deem necessary or appropriate in our sole discretion, including if we believe that such User Contribution violates the Terms of Use, including the Content Standards, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Website or the public, or could create liability for the Company.
•Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.
•Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Website.
•Terminate or suspend your access to all or part of the Website for any or no reason, including without limitation any violation of these Terms of Use.
Without limiting the foregoing, we have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Website. YOU WAIVE AND HOLD HARMLESS THE COMPANY AND ITS DIRECTORS, OFFICERS, CONTRACTORS, EMPLOYEES, AFFILIATES, LICENSEES, AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN IN GOOD FAITH BY ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES. However, we do not undertake any obligation to review material before it is posted on the Website and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.
Content Standards:
These content standards apply to any and all User Contributions and use of Interactive Services. User Contributions must in their entirety comply with all applicable federal, state, local, and international laws and regulations. Without limiting the foregoing, User Contributions must not:
•Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.
•Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.
•Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person.
•Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms of Use and our Privacy Policy.
•Be likely to deceive any person.
•Promote any illegal activity, or advocate, promote, or assist any unlawful act.
•Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person.
•Impersonate any person or misrepresent your identity or affiliation with any person or organization.
•Involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising.
•Give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case.
Copyright Infringement:
If you believe that any User Contributions violate your copyright, please contact us with written notice identifying the copyrighted work claimed to have been infringed, the allegedly infringing material, your contact information, and a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law.
Reliance on Information Posted:
The information presented on or through the Website is made available solely for general information purposes consistent with the Company’s mission. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.This Website may include content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.
Changes to the Website:
We may update the content on this Website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.
Information About You and Your Visits to the Website:
All information we collect on this Website is subject to our Privacy Policy. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.
Linking to the Website:
You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part without our express prior written consent.
Links from the Website:
If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.
Geographic Restrictions:
The owner of the Website is based in the State of Iowa in the United States. This Website is directed to users located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries, and access to the Website from jurisdictions where such access is unlawful is prohibited. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
Payment Terms:
Unless otherwise stated, all payments are considered final. Any cancellation or request for refund of a payment is subject to processing charges. We reserve the right to accept or reject any request for refund or early cancellation in our sole discretion. Payments may be processed through third-party payment processors, and their terms may apply.
Disclaimer of Warranties:
You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT. YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS. TO THE FULLEST EXTENT PROVIDED BY LAW, THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.
THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
Limitation on Liability:
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR ITS OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE. Without limiting the foregoing, the aggregate liability of the Company arising out of or relating to the Website shall not exceed the total amount of fees paid by you to the Company during the twelve (12) months preceding the event giving rise to the claim, or One Hundred Dollars ($100), whichever is greater.
Indemnification:
You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Website, including, but not limited to, your User Contributions, any use of the Website’s content, services, and products other than as expressly authorized in these Terms of Use, or your use of any information obtained from the Website.
Governing Law and Jurisdiction:
All matters relating to the Website and these Terms of Use, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Iowa without giving effect to any choice or conflict of law provision or rule (whether of the State of Iowa or any other jurisdiction). Except as otherwise provided in the Arbitration section below, any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Iowa, in each case located in Carroll County, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your country of residence. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
Arbitration:
At Company’s sole discretion, it may require you to submit any disputes arising from these Terms of Use or use of the Website, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying Iowa law. The arbitration shall be conducted in Carroll County, Iowa (or, if the parties agree, by videoconference), and judgment on the award may be entered in any court of competent jurisdiction, including the state or federal courts located in Carroll County, Iowa. Notwithstanding the foregoing, the Company may seek injunctive or equitable relief in any court of competent jurisdiction to protect its rights, including intellectual property rights, confidentiality, or the security or integrity of the Website.
Limitation on Time to File Claims:
ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.
Waiver and Severability:
No waiver by the Company of any term or condition set out in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision. If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.
Entire Agreement:
The Terms of Use, our Privacy Policy, and any other policy or terms incorporated by reference by us on this Website constitute the sole and entire agreement between you and us regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.
Your Comments and Concerns:
All other feedback, comments, requests for technical support, and other communications relating to the Website should be directed to: ILTA@iowalandtitle.org