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Terms and Conditions

Consultant Services Website Terms and Conditions

Please carefully read this notice before you use the  Consultant Services Website to access information. The Consultant Services Website is provided by ÐÔÊÀ½ç´«Ã½ ("ÐÔÊÀ½ç´«Ã½" or "us") and may be used for informational purposes only. In order to use this website and access information, or download materials from it, you must agree to abide by the following Terms and Conditions.

Access to Policy Information

The Consultant Services Website permits you to access information about the Retirement Annuities products, services and contracts only if you agree to these Terms and Conditions.

The Consultant Services Website is generally updated as changes are made to documents and materials available on the website.  These documents and materials are subject to adjustment and correction.

ÐÔÊÀ½ç´«Ã½ reserves the right to block access to the Consultant Services Website for any reason.

Excluded Products

Information regarding certain ÐÔÊÀ½ç´«Ã½ products may not be currently available through the Consultant Services Website.

Your ÐÔÊÀ½ç´«Ã½ Representative

In order to better serve you, we will monitor the use of the website and may contact you.

User ID and password

In order to safeguard confidential information, you agree to protect your user ID and password and not provide them to others. You agree that ÐÔÊÀ½ç´«Ã½ shall not be responsible for damages or loss resulting from any breach of security caused by your failure to maintain the confidentiality of your user ID or password. If you authorize third parties to access confidential information from this website, you agree to defend, indemnify and hold ÐÔÊÀ½ç´«Ã½ harmless against any liability, losses, damages or costs and expenses (including attorney fees) arising out of, or resulting from, such access and use.

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E-mail is provided to you only as a convenience, and to enhance communications between you and your ÐÔÊÀ½ç´«Ã½ Representatives. Unless the specific access location says otherwise, other Internet users can access messages sent to or from this website. To protect your privacy, please do not use e-mail to communicate information that you want kept confidential.

ÐÔÊÀ½ç´«Ã½ shall have no liability for any loss or damage that arises from unaccepted e-mail requests, orders or instructions; or for any loss or damage that results from interception and/or unauthorized use by third parties of any information you send via e-mail.

All e-mail messages sent by you to our ÐÔÊÀ½ç´«Ã½Â Representatives (or to you from our ÐÔÊÀ½ç´«Ã½Â Representatives) and all activity on any policies may be monitored and/or reviewed by ÐÔÊÀ½ç´«Ã½ and will be recorded and archived in accordance with ÐÔÊÀ½ç´«Ã½'s record retention policies. These records are available for review by Home Office Employees, ÐÔÊÀ½ç´«Ã½ Representatives, regulatory examiners, or as required or permitted by law.

Content

Information provided on this website is believed to be reliable when posted and ÐÔÊÀ½ç´«Ã½ will use reasonable efforts to include accurate and up-to-date information. However, due to the nature of the Internet, ÐÔÊÀ½ç´«Ã½ cannot guarantee the timeliness, accuracy, completeness or authenticity of the information contained in this website, or its suitability for any purpose. ÐÔÊÀ½ç´«Ã½ will from time to time revise the information described in this website, and reserves the right to make such changes without notice.

The materials and information in this website are provided "as is" and are presented without express or implied warranties of any kind other than those warranties which are implied by and incapable of exclusion, restriction or modification under the laws applicable to this agreement.

User Responsibility

You agree to immediately notify us by e-mail, if you become aware of the following:

1. loss, theft or unauthorized use of your password; or
2. inaccurate information posted on the website.

Business Days and Hours of Operation

You can use the Consultant Services Website to access information 24 hours a day, seven days a week, except during any special maintenance periods or due to factors beyond ÐÔÊÀ½ç´«Ã½'s control. To the extent possible, we will provide prior notice on our website of such interruptions and changes but do not guarantee that such notice will be provided.

No Advice

You acknowledge that neither ÐÔÊÀ½ç´«Ã½ nor its employees or representatives provide tax, legal, accounting or investment advice, nor do we give advice or offer any opinion with respect to the suitability of any product or investment. You further understand that while you may be able to access information through the Internet, the availability of such information does not constitute a warranty of the accuracy or the completeness of such information, nor a recommendation to buy or sell all or any of the securities or other products or services discussed therein.

Other Information

I agree to read the terms, conditions and content of the Legal and Privacy Statement for the ÐÔÊÀ½ç´«Ã½ website at  that is incorporated into this Agreement by reference.

Amendment of this Agreement

ÐÔÊÀ½ç´«Ã½ may amend this Agreement from time to time. Your continued use of the Consultant Services Website is your agreement to the terms of any and all such amendment(s). Therefore, you should review the Terms and Conditions of this Agreement regularly. Other than such amendments, this Agreement represents the complete understanding between you and ÐÔÊÀ½ç´«Ã½ regarding the use of this website.