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Disclosures and Terms of Use

Please read the following carefully

I. Introduction

These Terms of Use govern your access and use of the websites, including wireless services or systems ("websites") of the Principal Financial Group®, its affiliates and subsidiaries (as used here "The Principal®" refers to the Principal Financial Group, its affiliates and subsidiaries, jointly and severally). All information accessed or viewed is considered confidential and is for only authorized personal or business purposes.

II. Acceptance of Terms

These websites are the property of one or more of the member companies and/or affiliates of the Principal Financial Group, Inc. By linking, referencing, using or accessing websites of The Principal, you agree to these Terms and Conditions, including agreeing to indemnify and hold harmless The Principal from all claims of any nature arising from your access and use of these websites. These Terms and Conditions may be changed at any time at the sole discretion of The Principal. These Terms and Conditions pertain to all websites of The Principal, including websites owned, operated or sponsored by any of the subsidiaries or affiliates of The Principal.

III. Consent to do Business Electronically

This system/application is the property of one or more of the member companies and/or affiliates of the Principal Financial Group®. You may use this system/application to gain access to authorized information only. By Consenting to do Business Electronically, you:

  • Consent to do business and to conduct transactions electronically with the member companies and affiliates of the Principal Financial Group. Although this consent applies to any transactions conducted through the websites of the Principal Financial Group, you typically are not required to conduct transactions electronically. You may continue to conduct transactions through other methods available to you (such as calling customer service or filling out paper forms);
  • Certify that you are the person identified by that information. If you are not that person and/or you are attempting to access someone else's information, you are in violation of federal and/or state law and should exit this application now. Suspected violations may be reported to state and/or federal authorities;
  • Certify that if you are accessing this system/application on behalf of your employer, you have the appropriate authority to conduct business electronically on behalf of your employer;
  • Accept and agree to be bound by the Disclosures and Terms of Use that apply to the websites of the Principal Financial Group, member companies and affiliates. The Disclosures may be viewed by clicking on the link at the bottom of each page on principal.com;
  • Consent to, and acknowledge that activity through the websites of the Principal Financial Group may be viewed, monitored and recorded by the Principal Financial Group in order to help prevent and detect potential fraud or other abuse, including unauthorized access to information;
  • Have the right to withdraw this consent for future transactions by calling 800.986.3343. By making this request, you will not be able to conduct business electronically with the Principal Financial Group, and you will not be able to access accounts and information online. If you agree to this Consent, you should keep us informed of any change in your email or mailing address. You may update your email or mailing address by calling 800.986.3343 or online through the links located in the Tools section (once you've logged in);
  • Acknowledge that the websites of the Principal Financial Group are based in the United States of America and that the laws of the state of Iowa and the laws of the United States of America govern our sites and your use of them; and
  • Understand that our privacy policy and rules apply to the websites of the Principal Financial Group and you agree to be bound by them. The privacy policy may be viewed by clicking on the link at the bottom of each page on principal.com.

When presented with the Consent to do Business Electronically, if you do not agree with any of these items, you should select the "Do Not Consent" button and exit the system/application. By selecting "Do Not Consent" you will not be able to conduct business electronically with the Principal Financial Group, which includes not being able to access accounts and information online.

We recommend that you print or save this Consent to retain a copy for your records. Please remember never to share your username, password or login image and phrase with anyone. Your username, password and login image and phrase are unique to you. If you give this information to another person or entity, they will have access to account details.

Hardware & Software Information. For the best possible experience using websites of the Principal Financial Group, we recommend you have access to a computer with an operating system that allows you to use software programs to either save files on a storage device for later reference or is connected to a printer that will print out information displayed on your Internet browser.

Consent to do Business Electronically (version 7) was updated on March 10, 2012.

IV. Secure Websites

By using, accessing or attempting to access websites of The Principal that require the use of username, passwords, login image and phrase or any other method of authentication or any combination of authentication methods (these are defined as "secure websites"), you are certifying you are the person legally associated with the username, password, login image and phrase or additional method(s) of authentication being used. Unauthorized access or use or attempts to access or use secure websites of The Principal is prohibited and may violate federal and/or state law. The Principal may report unauthorized access, use or attempts to access or use to law enforcement.

V. Products and Services

Products and services are offered through the Principal Financial Group and its subsidiaries. Not all products and services described are available in all states of the USA, or elsewhere in the world. Eligibility for certain products and services may vary. Insurance products from the Principal Financial Group are issued by or offered through Principal National Life Insurance Company (except in New York) and Principal Life Insurance Company; Des Moines, IA 50392. Principal Life maintains certificates of authority to transact insurance in all 50 states. Principal Life NAIC identification number is 61271. Principal National NAIC identification number is 71161. Securities distributed by Princor Financial Services Corporation, Member SIPC or Principal Funds Distributor, Inc., Member FINRA. Annuities, Insurance, Retirement Plans, Mutual Funds and Other Securities are not insured by the FDIC and involve risk, including the possible loss of principal invested.

Information provided on the websites regarding our products and services is not intended to take the place of our agreements governing our products and services, or our disclosures made in accordance with federal and state law. Additionally, this agreement does not take the place of any legally required disclosures for any products or services offered by any of the member companies of The Principal.

VI. Intellectual Property; Link and Logo Licensing

The content found on websites of The Principal, including without limitation, the text, graphics, videos, selection and arrangement of information, and page layouts, is protected by copyright and other intellectual property laws and treaties. You may download and print copyrighted materials for your personal non-commercial use only. You may not modify, transmit, or distribute any of the copyrighted materials without the specific written consent of The Principal. Trademarks, service marks and logos used on websites of The Principal are registered and unregistered trademarks, protected by the laws of the United States and other countries worldwide. Trademarks, service marks and logos used on these websites that have been provided by others are the property of their respective owners. You may not use any of the trademarks, service marks or logos found on these websites without the specific written consent of The Principal or their respective owners.

If you would like to link to The Principal or use its logos on your site, please complete the Link/Logo License Agreement Form.

VII. Privacy

All personal information is subject to the Privacy Policy of The Principal, which may be accessed by clicking on Privacy & Security link at the bottom of any page. The information for the accounts you have with The Principal is kept secure and confidential through multiple security features and procedures. See our online privacy and security policies for further information:

VIII. No Legal or Investment Advice; Principal Global Investors Disclosures; Calculators/Calculations

While this communication may be used to promote or market a transaction or an idea that is discussed in the websites of The Principal, it is intended to provide general information about the subject matter covered and is provided with the understanding that The Principal is not rendering legal, accounting, or tax advice. It is not a marketed opinion and may not be used to avoid penalties under the Internal Revenue Code. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements.

This website also contains video and audio files where the comments were valid on the date the files were recorded. Markets move continuously and you should only rely on current information for any investment decisions.

Principal Global Investors Disclosures: Principal Global Investors is the asset management arm of The Principal and includes the asset management operations of the following subsidiaries of The Principal: Principal Global Investors, LLC; Principal Real Estate Investors, LLC; Spectrum Asset Management, Inc.; Post Advisory Group, LLC; Columbus Circle Investors; Edge Asset Management, Inc.; Morley Financial Services Inc.; Finisterre Capital, LLP; Principal Global Investors (Europe) Limited; Principal Global Investors (Singapore) Ltd.; Principal Global Investors (Australia) Ltd.; Principal Global Investors (Japan) Ltd.; Principal Global Investors (Hong Kong) Ltd.; CIMB-Principal Islamic Asset Management Sdn. Bhd.; and the majority owned affiliates of Principal International, Inc. Assets under management includes assets managed by investment professionals of Principal Global Investors under dual employee arrangements with other subsidiaries of The Principal.

Principal Real Estate Investors, LLC is the dedicated real estate group of Principal Global Investors. Principal Real Estate Investors, LLC is a registered investment adviser and a member of the Principal Financial Group. Certain members of Principal Real Estate Investors, LLC previously operated as Principal Capital Management, Principal Capital Real Estate Investors, BT Funds Management or the investment department of Principal Life Insurance Company. Principal Real Estate Investors, LLC maintains a complete list and description of composites, which is available upon request.

Retirement and/or financial calculators/calculations which may be provided within these websites are provided solely for you to estimate hypothetical future financial or retirement status. You are responsible for the accuracy of any estimates and should not rely solely on these calculators. Seek advice from qualified providers before you make any investment or retirement decisions.

IX. Links to Other Sites - Limitation of Liability

The Principal may provide, or third parties may provide, for your convenience and information only, links to other World Wide websites. Because The Principal does not have control over these sites, you agree that The Principal is not responsible for any liability resulting from the access or use of sites not owned by The Principal and that The Principal is not responsible for any content, advertising, product, or any other matter or issue, available through the World Wide Web, whether linked to, or from, websites of The Principal. Further, you agree that The Principal shall not be responsible or liable, directly or indirectly, for any damage or loss caused, or alleged to be caused by or in connection with the use of websites The Principal does not own.

X. Third Party Applications - Modification Prohibited

The Principal may provide you with access to third-party applications and services through its websites. You agree not to modify, decompile or reverse engineer any such third party applications, or any code related to such third party applications.

XI. Termination and Blocking

You agree that The Principal reserves the right to terminate and/or block your use or access of its websites for any reason without prior notice to you.

XII. Monitoring

The Principal reserves the right to monitor your access and use of its websites without notification to you. The Principal may record or log your use in a manner as set out in our privacy and security policies.

XIII. Hardware and Software Recommendations

We recommend using a computer with a Pentium 4+, 1.8+ GHz processor, minimum 256+ MB (megabytes) of RAM (Random Access Memory), at least a 56K Internet connection speed and 40 GB hard disk storage, CD-ROM - 48X, Windows 2000 or XP Operating System, Microsoft Office 2000 (or higher).

XIV. Export Control

The United States controls the export of products and information. You agree to comply with such restrictions and not to export or re-export any Material to countries or persons prohibited under the export control laws. By downloading any Material, you are agreeing that you are not in a country where such export is prohibited and that you are not a person or entity to which such export is prohibited. You are responsible for compliance with the laws of your local jurisdiction regarding the import, export, or re-export of any Material.

XV. Limitation of Liability

YOU AGREE THAT YOUR ACCESS TO, AND USE OF, THE WEBSITES OF THE PRINCIPAL AND THE CONTENT THEREOF IS AT YOUR RISK. YOU AGREE, THAT UNDER NO CIRCUMSTANCES SHALL THE PRINCIPAL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING FROM VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES OR YOUR REFERENCING, USING, ACCESSING, INABILITY TO USE OR ACCESS OR LINKING TO OR FROM THE WEBSITES OF THE PRINCIPAL OR ANY ERRORS OR OMISSIONS IN THE CONTENT THEREOF. There are some jurisdictions that do not allow for the exclusion of certain warranties or the limitation or exclusion of liability for consequential or incidental damages. Based on this conclusion, the liability of The Principal is limited to the greatest extent permitted by law.

XVI. Governing Law; Severability

These Terms of Use are governed by the laws of the State of Iowa with jurisdiction and venue being in Polk County, Iowa. You agree that your referencing, using or accessing websites of The Principal constitutes your acceptance of the jurisdiction of state or federal courts in Polk County, Iowa and that legal action may be brought against, or by, you must be brought in state or federal courts in Polk County, Iowa.

In the event any of the provisions of these Terms of Use shall be determined by a court of competent jurisdiction to be invalid, any such provision determined to be invalid shall not effect the validity of all remaining provisions.

Have a question? Call us at 1.800.986.3343

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Disclosures and Terms of Use | Products and Services Disclosures | Privacy and Security
Securities offered through Princor Financial Services Corporation, member SIPC