These Terms of Use govern your use of this site, principaldentalaccess.com, and by accessing, viewing, or using the material on the Site, you indicate that you understand and intend the "Terms of Use" to be the legal equivalent of a signed, written contract, and equally binding, and that you accept such "Terms of Use" and agree to be legally bound by them. If you do not agree with the "Terms of Use" on principaldentalaccess.com, you are not granted permission to use principaldentalaccess.com and should exit immediately. 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 for only authorized personal or business purposes.

All content on this website, principaldentalaccess.com, including text, logos, site design, graphics, icons, and images, as well as the selection, assembly and arrangement thereof, are the sole property of one or more of the member companies and/or affiliates of the Principal Financial Group, Inc.^® Content from principaldentalaccess.com may not be copied, reproduced, modified, republished, uploaded, posted, transmitted, or distributed in any form or by any means without prior written permission from Principal Financial Services, Inc.^® Copyright violations may result in criminal or civil penalties. By linking, referencing, using or accessing websites of Principal^®, you agree to these Terms of Use, 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 of Use may be changed at any time at the sole discretion of Principal^®. These Terms of Use pertain to all websites of Principal^®, including websites owned, operated or sponsored by any of the subsidiaries or affiliates of Principal^®.

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 ourhttps://www.principal.com/privacy-policies 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 833-201-0142. 
• 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 833-201-0142.
• 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.

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, 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 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.

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^®.

Principal^® Dental Access Plan and the Principal^® Dental Access Plan logo are registered trademarks of Principal Financial Group®. 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. Unauthorized use may violate U.S. and international copyright laws and could result in criminal or civil penalties.

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

All personal information is subject to the Privacy Policy of Principal^®. The information for the accounts you have with Principal is kept secure and confidential through multiple security features and procedures. See our online privacy policies and security policies for further information..

Despite our efforts to ensure that all content on principaldentalaccess.com is accurate, complete, and current, there may be instances when information is inaccurate, not current, or incomplete. We make no warranty or guarantee that the information on our website is error-free, complete, or current. We reserve the right to correct errors and/or update the content on our website at any time without notice and we have the right to refuse or cancel any such enrollments whether or not the enrollment has been confirmed and your credit card charged. If your enrollment is canceled after your payment has been processed, we will issue a credit to your credit card account in the amount of the charge to the original pay type submitted.

Further, Principal^® may provide, or third parties may provide, for your convenience and information only, links to other websites on this site. 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^®. 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.

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.

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.

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 privacy policies.

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.

In addition to using a current browser, you must also be sure certain browser settings are enabled to access our websites.  Cookies must be enabled to access secured areas of the site (such as viewing account information), JavaScript must be enabled and stylesheets must be enabled.  Note: by default, all of the above items are enabled when you install a browser.

Software installed to prohibit pop-ups or restricted banner ads might interfere with this site and cause you to experience general errors or frozen pages. We recommend that this software be disabled or un-installed before using this site.

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).

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.

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.

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 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 affect the validity of all remaining provisions.

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 are intended to act as a recommendation, suggestion, or testimonial for any service or product.

Application confirmation in the form of email, electronic receipt, or other forms does not guarantee Principal Financial Group® will or has accepted your membership. It does require Principal Financial Group® to process your application. Principal Financial Group® reserves the right at any time after receipt of your request to join the plan to accept or decline your membership without specifying details. Additional verifications and or information may be required prior to accepting any membership.