Terms & Conditions

Effective 24 June 2013


Introduction

The following terms and conditions govern your use of this website.  Your use of this website and Content (defined below) constitutes your acceptance of these terms and conditions.  If you do not agree with these terms and conditions, you should immediately cease use of this website and Content.   

This website presents information and content that is owned or licensed by The Prudential Insurance Company of America , its parents, subsidiaries and affiliates ("Pramerica").  When used in these Terms and Conditions, "we" and "our" mean Pramerica and “you” and “your” refers to any individual, company, or legal entity that accesses or otherwise uses this website.



Additional Terms

Pramerica offers products and services available through portions of this website and other Pramerica websites.  These terms and conditions apply only to your use of this website and Content, and they do not apply to your use of any products or services otherwise offered by Pramerica.  We may have established or will establish additional or different terms and conditions for certain products and services.  In many instances, our products or services involve sophisticated financial instruments or investments that are regulated by governmental authorities.  You agree to review all applicable terms and conditions relating to Pramerica’s products and services.  In the event of any conflict between the terms and conditions on this website and such additional terms and conditions, the additional terms and conditions govern and control.  Further, if you have a policy or account with Pramerica, your customer relationship is also governed by other agreements, such as your policy or account agreement, as applicable.  In the event of any conflict between the terms and conditions on this website and such policy or account agreements, your policy and account agreements govern and control.



Do Not Rely on This Website for Your Financial Decisions 

The Content on this website is for convenience and information purposes only.  You should consult your financial and legal advisors, and independently verify all Content provided through this website before you make decisions.  Nothing on this website constitutes an offer to sell or buy any product.  Nothing on this website should be construed as rendering tax, legal, investment, or accounting advice.  The posting of any prospectus or any other information on this website is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.



Ownership and Use of Content

All of the information and content on this website, including, but not limited to, all text, analyses, reports, articles, graphics, software applications, video and audio files and photos, trademarks, service marks and trade dress ("Content") is owned or licensed by Pramerica.  The Content is protected worldwide by applicable intellectual property laws.  You may make and use printouts of the Content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark, and other proprietary notices.  Pramerica reserves the right to terminate at any time your right to make personal copies of Content.  You may not copy, transmit, distribute, modify, publicly perform, reuse, sell or display any of the Content for any public or commercial purpose except with the prior written consent of Pramerica or the owners of the materials, which they may issue in their sole discretion. You may not use the Content in any other web site or in a network computer environment, including framing the Content within another website.  Except for the limited use rights expressly provided in this paragraph, all rights in Content are reserved.

Pramerica, the Pramerica logo, and the Rock symbol are service marks of Prudential Financial, Inc., Newark, New Jersey U.S.A., and its related entities, registered in many jurisdictions.  Prudential Financial, Inc. ("PFI") of the United States is not affiliated in any way with Prudential plc of the United Kingdom.  Other materials, including video, sound recordings and images, on this website are a copyright of or proprietary to PFI and its related entities, or are used with the consent of the owner.  Except when included in any authorized printouts of the Content, you are not authorized to make any other use of PFI's marks including, but not limited to, as metatags or in any other fashion that may create a false or misleading impression of affiliation or sponsorship with or by PFI or any of its related entities.



Links 

Links from this site to a non-Pramerica site may be provided for the user’s convenience only.  Pramerica does not control or review these third party sites nor does the provision of a link imply any endorsement of or association with such non-Pramerica sites.  Your linking to any websites from this website is at your own risk.    Subject to the terms of applicable service or other agreements, we will remove any link from this website upon request from the owner of the linked website.  Please call our operations department in the United States at 312-540-4248 to submit such a request.



Availability

Not all of the products or services described on this website are available in all jurisdictions and you may not be eligible for them.  We reserve the right to determine eligibility. 



WARRANTY DISCLAIMER

We strive to provide accurate and up-to-date material on this website.  However, we make no warranties or representations as to the accuracy or timeliness of the Content.  Your use of this website and Content is at your own risk.  Content may become inaccurate as a result of developments after its publication on this website.  Pramerica assumes no responsibility to keep Content current or to correct inaccuracies or errors in Content.  The Content on this website and the operation of it are provided “as is” and for informational purposes only, and Pramerica disclaims all representations or warranties of any kind, either express or implied, including warranties of merchantability, fitness for particular purpose, title, non-infringement, accuracy, completeness, and timeliness.  Certain jurisdictions may not permit certain disclaimers of warranties.  In such case, we disclaim warranties to the fullest extent permitted by the applicable law.



Your Responsibility for Security 

Pramerica does not warrant that the web site will operate error free or is free from viruses, worms, Trojan horses or other destructive or harmful code.  Pramerica assumes no liability or responsibility for any damages to you, your computer, or other property due to your access to, use of, or downloading of Content.  If you download or copy Content from this website, you are responsible for taking all reasonable precautions necessary to ensure the security and integrity of your computer and systems, including employing current virus protection software. 



LIMITATION OF LIABILITY

In no event shall Pramerica or any other party involved in creating, producing, or delivering this website or Content on Pramerica’s behalf be liable for any direct, incidental, special, consequential, indirect, lost profits, loss of business or data, or punitive damages arising out of your access to, or use of, or inability to access or use, this website or any Content, or the performance of any product on this website.



Additional Information

All information, other than personal information subject to Pramerica's Internet Privacy Policy, submitted to Pramerica through this website or any related Prudential website is the property of Pramerica.  Pramerica is free to use any ideas, concepts, know-how or techniques that you may submit to Pramerica through this website for any purpose, including but not limited to, improving our services.  We are not subject to any obligations of confidentiality regarding any submitted information except as specified in Pramerica's Internet Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.



Changes

Pramerica reserves the right to change the Content on this website and these Terms and Conditions from time to time at any time without prior notice.  The changes may include superseding terms and conditions or specific notices.  YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE.  Your continued use of this website constitutes your acceptance of any change or update, all of which shall become controlling when posted.



Cautionary Language Regarding Forward-Looking Statements 

All Content, together with information filed and furnished with the Securities and Exchange Commission and any oral information provided by Pramerica executives that relates to Pramerica's future performance or financial results are considered forward-looking statements.  These forward-looking statements involve uncertainties that could cause actual performance or results to materially differ, and readers are cautioned not to place undue reliance on them.  All forward-looking statements should be read in conjunction with the additional information about risks and uncertainties set forth in our Securities and Exchange Commission reports, including our annual report on Form 10-K for the most recently ended reportable year.



Governing Law 

These Terms and Conditions shall be governed by, and construed in accordance with, the laws of the United States and the State of New Jersey, without giving effect to conflict of law principles thereof.



Termination

Pramerica reserves the right in its sole discretion to terminate or restrict your use of all or any part of the website, without notice, for any or no reason, and without liability to you or anyone else.  The Terms and Conditions relating to Ownership and Use of Content, Indemnification, Limitation of Liability, Warranty Disclaimer, Limitation of Liability, and Governing law shall survive any termination.