Terms & Conditions

I. Introduction

These Terms & Conditions govern your access and use of the My Principal Lifestyle websites, including website related applications ("websites") of the Principal Financial Group®, its affiliates and subsidiaries (as used here " Principal" refers to the Principal Financial Group, its affiliates and subsidiaries, jointly and severally). All information accessed or viewed is considered confidential and is only for authorized personal purposes.

The My Principal Lifestyle application and websites are solely intended for use by individuals living within the United States and 18 years of age or older. If you live outside the United States, or are under the age of 18, please do not download or use the My Principal Lifestyle application and websites.

II. Acceptance of Terms

These websites are the property of one or more of the member companies and/or affiliates of Principal. By linking, referencing, using or accessing websites of Principal, you agree to these Terms and Conditions, including agreeing to indemnify and hold harmless 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 Principal. These Terms and Conditions pertain to the My Principal Lifestyle websites of Principal.

III. Incentives and Rewards

My Principal Lifestyle allows you to earn points for activities completed by you or based on information you share with Principal via specified third party applications or platforms. Principal is not responsible for technical difficulties, errors or delays related to the use of your third-party applications with the My Principal Lifestyle program.

If you qualify to participate, points can be redeemed for select gift cards. An individual is eligible for a maximum of $140.00 in gift cards. You must own a qualifying individual life insurance product issued by Principal to be eligible to receive gift cards under the incentive and rewards program. As part of the download process, you will be informed within the application whether you are eligible to receive gift cards.

Program points must be redeemed by the user during the applicable program period. Any program points available through My Principal Lifestyle that have not been redeemed prior to program cancellation or completion through the websites will be forfeited. Program points are non-transferrable.

IV. Secure Websites

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

Customer access to web and mobile applications of Principal requires the use of unique usernames and strong passwords. Principal uses adaptive authentication systems to help verify the identity of the user which include multi-factor authentication, security questions and answers, and timed log-off.

Principal has a comprehensive written Information Security Program that safeguards information against unauthorized or accidental modification, disclosure, fraud, and destruction. In addition to steps we take to secure your account information, your actions play a big part in protecting your data, too.

- Choose a secure password.

o Do not use the same password on other websites. If other sites are not secure, your password could be compromised.

o Choose a password that is not a duplicate of other personal information (e.g., do not use your Social Security number, date of birth, etc.)

o Use at least 8 characters, and vary the types of characters in your passwords, if possible. Using combinations of capital letters, numbers, and special characters makes passwords more difficult to figure out. If possible, use more than 8 characters to increase password complexity.

- Do not disclose your login information to anyone. Our employees and associates will never ask for your password.

- If you need to write your login information down, keep it in a safe place where others can’t see it.

- Contact us immediately to change your login if you suspect someone has discovered it.

- Secure your personal device with a password or passcode of at least 6 characters.

V. Intellectual Property; Link and Logo Licensing

The content found on websites of 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 Principal.

Trademarks, service marks and logos used on websites of 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 Principal or their respective owners.

VI. Privacy

All personal information is subject to Principal’s privacy policies. The information you provide to The Principal is kept secure and confidential through multiple security features and procedures. Review the My Principal Lifestyle Privacy Policy for further information.

VII. Participant Health

Your participation in any physical activity challenges is strictly voluntary and at your own risk. You should consult with your healthcare provider before beginning any activity challenge to determine whether participation in the program is appropriate for you.

The My Principal Lifestyle program does not provide medical advice.

VIII. Tax Implications

Rewards earned through your participation in the My Principal Lifestyle program may be considered taxable to you. You should consult with your tax advisor for specific tax advice regarding the program.

IX. Links to Other Sites - Limitation of Liability

Principal may provide, or third parties may provide, for your convenience and information only, links to other websites. Because Principal does not have control over these sites, you agree that Principal is not responsible for any liability resulting from the access or use of sites not owned by Principal and that Principal is not responsible for any content, advertising, product, or any other matter or issue, available online, whether linked to, or from, websites of Principal. Further, you agree that 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 Principal does not own.

X. Third-Party Applications - Modification Prohibited

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 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

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

XIII. Hardware and Software Recommendations

You can access our websites using a current internet browser. If you're on an older browser and are having issues with our site, we suggest you install a more current browser.

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 Principal and the content thereof is at your risk.

You agree that under no circumstances shall 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 our reference, using, accessing, inability to use or access or linking to or from the websites of 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 Principal is limited to the greatest extent permitted by law.


XVI. Governing Law; Severability

These Terms & Conditions 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 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 & Conditions shall be determined by a court of competent jurisdiction to be invalid, any such provision determined to be invalid shall not affect the validity of all remaining provisions.

XVII. Social Media & Blog Commenting

We welcome comments, opinions and questions. Anything threatening, libelous, defamatory, obscene, pornographic or other material that would violate the law will be deleted.

We take our customers' security very seriously. We do not respond to any questions that pertain to a specific individual, account, or financial issue.

We do not endorse any of the third-party content posted on our social media properties, nor do we have any control over it. No part of our social media properties is intended to act as a recommendation, suggestion, or testimonial for any service or product.

XVIII. Consent to do Business Electronically

By consenting to do business electronically with the Principal Financial Group (or member companies), you agree that:

You've read and agree to our disclosures, terms of use and privacy policies.

You are who you say you are when logging in and transacting business through our websites.

If you are logging in on behalf of your employer, you have the appropriate authority to log in and conduct business electronically on its behalf.

This consent applies to any transactions conducted through our website.

You have the right to withdraw this consent at any time by calling 800-986-3343.

You will need access to a computer with a current internet browser and an operating system that allows you to save files or print web pages and documents. See hardware and software recommendations below for more information.

You may print this consent and any electronic record or you can contact us to request a paper copy from us for free.

You will notify us of changes to your email or mailing address by logging in to the My Profile section or calling 800-986-3343.

United States laws and Iowa laws govern our sites and your use of them.

Your online activity may be viewed, monitored and recorded to help prevent and detect fraud.

If you do not consent, you will not be able to access account information or conduct transactions online.