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Terms of Use

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Royal Neighbors of America maintains this site for your personal information, education, and communication. Your access to and use of the site is subject to the following Terms of Use and all applicable laws. If you do not agree to these terms or Royal Neighbors' Privacy Policy posted on the Web site, please do not use this site or any services offered by this site. Royal Neighbors reserves the right to make changes to these terms without notice to you. Please check back from time to time to ensure you are aware of any updates or changes to these terms. Your use of our site indicates acceptance of these Terms of Use.

Secured Areas/Passwords

Some portions of this site are restricted and require authorization for access. unauthorized use of or access to these areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas.

If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. Royal Neighbors will not ask for your password. If you know or suspect that your password has been compromised, change your password immediately. if you suspect any unauthorized activity related to your account, you should contact Royal Neighbors. Royal Neighbors will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else.

United States Only

Unless otherwise specified, the materials in this site are presented solely for the purpose of promoting programs governed under the United States law.

Royal Neighbors makes no representation that materials in the site are appropriate or available for use in other locations. If you access the site from locations other than the United States, you are responsible for compliance with any applicable local laws. Not all Royal Neighbors products are available in every state. Royal Neighbors of America is licensed to operate in 43 states and the District of Columbia. We are not licensed in Alabama, Alaska, Hawaii, Louisiana, Massachusetts, New Hampshire, or New York.

Restrictions of Use of Materials

All names, logos, and marks appearing in this site, except as otherwise noted, are trademarks owned or used under license by Royal Neighbors of America. The use or misuse of these trademarks or any other content on this site, except as provided in these Terms of Use or in the site content, is strictly prohibited. You may print copies of the information on this site for your personal, non commercial, use, store the files on your computer for personal/noncommercial use, or reference this server from your own documents provided that all copyright, trademark or other notes are retained.  However, you may not distribute text or graphics to others without the express written consent of Royal Neighbors. Also, you may not, without our permission, copy and distribute this information on any other server, or modify or re-use text or graphics on this system or another system. Royal Neighbors of America reserves all other rights.

Links To/From Other Sites

For your convenience, Royal Neighbors of America may provide links to other Internet sites that Royal Neighbors does not maintain. You should not interpret any link to/from other sites as indicating that Royal Neighbors sponsors or endorses the site or the materials to that the sites are affiliated with Royal Neighbors in any manner. Royal Neighbors is not responsible for anything contained on such sites and makes no warranties or representations about the content, products or services offered on such sites. Royal Neighbors is not responsible for anything contained on such sites and makes no warranties or representations about the content, products or services on any sites that you may elect to use in connection with this site.


The materials in this site are provided "as is" and without warranties of any kind either express or implied. To the fullest extent permissible, Royal Neighbors disclaims all warranties, including implied warranties or merchantability and fitness for a particular purpose. Royal Neighbors does not warrant that the functions contained in these materials will be uninterrupted or error free, that defects will be corrected or that this site or the server that makes it available are free of viruses or other harmful components. Royal Neighbors does not warrant or make any representations regarding the use or the result of the use of the materials in this site in terms of their correctness, accuracy, reliability or otherwise. Royal Neighbors makes no representations or warranties and is not responsible for the content, accuracy or quality of any information provided by all other Web sites to which this site provides a link.

The Royal Neighbors Web site may include certain tools, calculators or other devices to assist you in evaluating your insurance and/or financial needs. These interactive calculators are not intended to provide or replace specific professional financial or insurance advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical, are for illustrative purposes only and may differ from other types of analysis. They do not represent the past performance of any specific product, nor should they be viewed as a promise of future results of any product offered by Royal Neighbors of America. We encourage you to consult with a professional or other trusted source regarding your personal finance issues.

Submitted Ideas

All comments, suggestions, ideas, notes, drawings, concepts or other information disclosed or offered to Royal Neighbors by this site or in response to solicitations in this site shall be deemed and shall remain the property of Royal Neighbors of America. You understand and acknowledge that Royal Neighbors has both internal resources and other external resources which may have developed or may in the future develop ideas identical to or similar to the suggestion or comments to suggestions and that Royal Neighbors is willing to consider the suggestion only on these terms. In any event, Royal Neighbors assumes no obligation, express or implied, by considering any suggestion not submitted in confidence. Without limitation, Royal Neighbors shall exclusively own all now-known or hereafter existing rights to the suggestions of every kind and nature and shall be entitled to unrestricted use of the comments for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the suggestions.

Choice of Law and Jurisdiction

The laws of the State of Illinois shall govern this site and user agreement. You agree that any dispute between yourself and Royal Neighbors shall be adjudicated exclusively in a federal or state court with jurisdiction over Rock Island County, Ill.


We reserve the right to terminate this user agreement and your use of this site at any time for any reason or no reason.

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Form #: P00297; Rev. 3-2018