Terms of Use

USE

THE PURPOSE OF THIS WEBSITE IS TO PROVIDE A CONVENIENT SERVICE TO INSURANCE APPLICANTS RELATED TO THEIR APPLICATIONS. NOTHING IN THIS WEB SITE SHOULD BE CONSTRUED AS RENDERING TAX, LEGAL, INVESTMENT OR ACCOUNTING ADVICE. BY USING THIS WEB SITE, YOU ACKNOWLEDGE YOUR ASSENT TO THE FOLLOWING CONDITIONS OF USE WITHOUT LIMITATION OR QUALIFICATION. PLEASE READ THESE CONDITIONS CAREFULLY BEFORE USING THIS WEB SITE. IF YOU DO NOT AGREE WITH EACH TERM OF USE SPECIFIED HEREIN, YOU ARE NOT GRANTED PERMISSION TO USE THIS WEB SITE AND MUST EXIT THIS SITE IMMEDIATELY. THESE TERMS AND CONDITIONS MAY BE REVISED AT ANY TIME BY UPDATING THIS POSTING. YOU ARE BOUND BY ANY SUCH REVISED TERMS AND CONDITIONS WHICH MAY BE POSTED AT THE TIME OF YOUR USE OF THIS SITE.

DISCLAIMER

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS WEB SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED AND AIG DIRECT INSURANCE SERVICES, INC. AND ITS AFFILIATES (COLLECTIVELY, "AIG DIRECT") DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. AIG DIRECT DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEB SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. EXCEPT AS OTHERWISE REQUIRED BY LAW, THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT NECESSARILY INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES. THE ACTUAL POLICY OR CONTRACT COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES. THIS WEB SITE MAY BE LINKED TO OTHER WEB SITES WHICH ARE NOT MAINTAINED BY OR ON BEHALF OF AIG DIRECT. AIG DIRECT IS NOT RESPONSIBLE FOR THE CONTENT OF THOSE WEB SITES. THE INCLUSION OF ANY LINK TO SUCH WEB SITES DOES NOT IMPLY APPROVAL OF OR ENDORSEMENT BY AIG DIRECT OF THE WEB SITES OR THE CONTENT THEREOF.

LIMITATION OF LIABILITY

While AIG Direct uses reasonable efforts to include accurate and up-to-date information on this Web site, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, AIG Direct makes no warranties or representations as to the accuracy of the content of this Web site and under no circumstances, including, but not limited to, negligence, shall AIG Direct or any party involved in creating, producing, or delivering this Web site be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this Web site, even if AIG Direct or an AIG Direct authorized representative has been advised of the possibility of such damages. To the fullest extent permissible under applicable law, in no event shall AIG Direct's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this Web site. AIG Direct also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the Web site or your downloading of any materials, data, text, images, video, or audio from this Web site.

NO USE OF SITE BY CHILDREN

When required to complete an annuity or insurance application, personal information about a child may be collected on this site. The specific annuity or insurance form will provide directions to the parent or guardian regarding the information and parent or guardian signature or consent requirements that are necessary to complete the form. With the exception of this annuity or insurance application or form context we do not knowingly gather information about children and request that if you are a child you leave this site immediately.

RESTRICTIONS ON USE OF MATERIALS

Except as otherwise expressly permitted by AIG Direct, no materials from this Web site or any Web site owned, operated, licensed or controlled by AIG Direct may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Web site for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Web site for public or commercial purposes, including the text, images, audio, and video without AIG Direct's written permission. AIG Direct neither warrants nor represents that your use of materials displayed on this Web site will not infringe rights of third parties. You shall not (i) license, sublicense, sell, resell, transfer, assign, distribute or otherwise commercially exploit or make available to any third party the services provided in this Website or in any way; (ii) modify or make derivative works based upon the services; (iii) create Internet "links" to the services or "frame" or "mirror" the services on any other server or wireless or Internet-based device; or (iv) reverse engineer or access the services in order to (a) build a competitive product or service, (b) build a product using similar ideas, features, functions or graphics of the services, or (c) copy any ideas, features, functions or graphics of the services.

JURISDICTIONAL ISSUES

Except as set forth within the Web site, AIG Direct makes no representation that materials on this Web site are appropriate or available for use in any location. Those who choose to access this Web site do so on their own initiative and are responsible for compliance with local laws. Some products and services may not be available in all jurisdictions.

NON PERSONAL INFORMATION

General non personal information that you transmit to AIG Direct via this Web site, by electronic mail or otherwise, such as questions, comments, or suggestions about services will be treated as non-confidential and non-proprietary and will become the property of AIG Direct. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. AIG Direct is free to use any such ideas, concepts, know-how, or techniques contained in any communication you send to AIG Direct via this Web site or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. Please refer to the posted Privacy Policy for information regarding the protection of personal information.

TRADEMARKS AND COPYRIGHTS

All trademarks, service marks, trade names, logos, and icons are proprietary to AIG Direct or used with permission obtained by AIG Direct. Nothing contained on the Web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Web site without the written permission of AIG Direct and/or the owner of the mark, logo or icon. Your use of the trademarks displayed on this Web site, or any other content on this Web site, except as provided herein, is strictly prohibited. Images displayed on this Web site are either the property of, or used with permission by, AIG Direct. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by AIG Direct and/or the owner. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

SOFTWARE LICENSES

You acknowledge that any software which may be available or provided to you on this Web site may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. AIG Direct does not authorize the downloading or exportation of any software or technical data from this Web site to any jurisdiction prohibited by such export controls laws and regulations.