Bringing Catholic Values to Life

Website Terms and Conditions


By using the pages in this site, you agree to these following terms and conditions. If you do not agree, you should not use this site. Restrictions on Use Material from and any other World Wide Website owned, operated, licensed or controlled by Catholic Order of Foresters (COF) may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without COF’s prior written consent.

EXCEPTION: You may download one copy of the material on one computer only for personal, non-commercial home use, provided you do not delete or change any copyright, trademark, or other proprietary notices. Modification or use of the materials for any other purpose violates COF’s intellectual property rights. The material in this site is provided for lawful purposes only. If you download software from COF’s site, the software, including all files and images contained in or generated by the software, and accompanying data (together, the “software”) are deemed to be licensed to you by COF. Neither title nor intellectual property rights are transferred to you, but remain with COF, who owns full and complete title. You may not resell, recompile, reverse engineer, disassemble, or otherwise convert the software to a human perceivable form.

Restriction of Liability

COF will not be liable for any damages or injury caused by, including but not limited to, any performance failure, error, omission, interruption, defect, delay in transmission operation, computer virus, or line failure. COF will not be liable for any damages or injury, including but not limited to, special or consequential damages resulting from use of, or the inability to use, this site’s materials, even if there is negligence or COF or an authorized COF representative or agent has been advised of the possibility of such damages, or both. The above limitation or exclusion may not apply to you to the extent that applicable law may not allow the limitation or exclusion of liability for incidental or consequential damages. COF’s total liability to you for all losses, damages, and causes of action will not be greater than the amount you paid to access this site.


All remarks, suggestions, ideas, graphics, or other information communicated to COF through this site (together, the “submission”) with the exception of magazine story submissions, will forever be the property of COF. COF will not be required to treat any submission as confidential, and will not be liable for any ideas for its business (including without limitation, product or advertising ideas) and will not incur any liability as a result of any similarities that may appear in future COF operations.

Without limitation, COF will have exclusive ownership of all present and future existing rights to the submission of every kind and nature everywhere. Except as noted below in this paragraph, COF will be entitled to use the submission for any commercial or other purpose whatsoever without compensation to you or any other person sending the submission.

Personally identifiable information that may be received at this site is provided voluntarily by a visitor to this site. This information is for internal purposes only and is not sold or otherwise transferred to third parties of COF or to other entities that are not involved in the operation of this site. Information submitted via a number of areas in this site, for instance, Write to the editors, is not retained. Therefore, the above right to use submissions is subject to limited use of this information and excludes non-retained information.

You acknowledge that you are responsible for whatever material you submit, and you, not COF have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.


Except as described otherwise, all materials in this site are made available only to provide COF information. COF controls and operates this site from its headquarters in Naperville, Illinois, United States of America, and makes no representation that these materials are appropriate or available for use in other locations. If you use this site from other locations, you are responsible for compliance with applicable local laws. Some software from this site may be subject to export controls imposed by the United States and may not be downloaded or otherwise exported or re-exported: (a) into (or to a national or resident of) any country to which the U.S. has placed an embargo, including without limitation, Cuba, Iran, Iraq, Libya, North Korea, Syria, or Yugoslavia; (b) to everyone on the US Treasury Department’s Specially Designated Nationals list; or (c) the US Commerce Department’s Table of Denial Orders. If you download or use the software, you represent and warrant that you are not located in, or under the control of, or a national or any such country or on any such list.


The material in this site could include technical inaccuracies or typographical errors. COF may make changes or improvements at any time. The materials in this site are provided “as is” and without warranties of any kind, either expressed or implied, to the fullest extent permissible pursuant to applicable law. COF disclaims all warranties or merchantability and fitness for a particular purpose. COF does not warrant that the functions contained in the material 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. COF does not warrant or make any representations regarding the use of or the result of the use of the material in this site in terms of its correctness, accuracy, reliability, or otherwise. You (and not COF) assume the entire cost of all necessary servicing, repair, or correction. The above exclusion may not apply to you, to the extent that applicable law may not allow the exclusion of implied warranties.


COF or you may terminate this agreement at any time. You may terminate this agreement by destroying: (a) all materials obtained from the COF website, and (b) all related documentation and all copies and installations (together, the “materials”). COF may terminate this agreement immediately without notice if, in its sole judgment, you breach any term or condition of this agreement. Upon termination, you must destroy all materials.


These Terms and Conditions will be governed and be interpreted pursuant to the laws of the State of Illinois, United States of America, notwithstanding any principles of conflicts of law. If any part of these Terms and Conditions is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. Possible evidence of this site’s use for illegal purposes will be provided to law enforcement authorities. This is the entire agreement between the parties relating to site’s use. COF can revise these Terms and Conditions at any time by updating this posting. COF products and services are available only in 30 of 50 states and District of Columbia. However, the website may describe products and services that are not available in all licensed states. This site may be linked to other sites that are not maintained by COF, and COF is not responsible for the content of those sites. The inclusion of any link to such sites does not imply endorsement by COF, or any other website owned or operated by the Catholic Order of Foresters national home office or local or state courts.

Trademark Information

The following trademarks and copyrights used herein are owned by the Catholic Order of Foresters: Genesis Life™,Forester Assurance™, ForesterBasic™, ForesterBasic 15™, Forester Legacy™, Forester Life™, Forester 65™, Modified Whole Life™, Fraternal Benefit Policy™, Forester Guardian™, Forester Guardian Plus™, FirstVantage/Pathways Program™, FirstVantage™, Forester Membership and Travel Care™, Catholic Forester™, COF Matching Funds Program™, FirstVantage/Pathways Program™, REAP™ - Religious Education Assistance Program™, TAP™ - Tuition Assistance Program™ and COF Photo and Poster Contests™.

Life Plans Long Term Care Provider Pathway™ and the Life Plans logo and Life Plans Long Term Care Provider Pathway logo are property of Life Plans, Inc. Waltham, MA. ScriptSave™ and the ScriptSave logo are property of ScriptSave, Tucson, AZ.

All other trademarks are property of the respective trademark owners.

NOTE: COF products are available to applicants meeting membership and insurability requirements. Not all products described are available in all states.
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