Conditions of Use

By using this site, you signify your agreement to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this site. Colonial Penn Life Insurance Company ("We" or "Us") may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.

Disclaimer

The materials on this Web site are provided "as is" and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Neither we nor any affiliate warrants 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. Neither we nor any affiliate warrants or makes any representations regarding the use or the results of the use of the materials on this Web site in terms of their correctness, accuracy, reliability or otherwise. You assume the entire cost of all necessary servicing, repair or correction. Links to other sites may be accessed through this Web site. Such external Internet addresses contain information created, published, maintained or otherwise posted by independent organizations. Neither we nor any affiliate endorses, approves or certifies any information, product or service referenced or provided at such addresses.

Limitation of Liability

While We use reasonable efforts to include accurate and up-to-date information on this Web site, errors or omissions may occur. Neither we nor any affiliate makes any warranties or representations as to the accuracy of this Web site. Under no circumstances including, but not limited to, negligence by act or omission, shall We, any affiliate of ours, or any party involved in creating, producing, or delivering this Web site, be liable 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 We, an affiliate, or an authorized representative have been advised of the possibility of such damages. If applicable law does not allow the limitation or exclusion of liability for incidental or consequential damages, the above limitation or exclusion may not apply to you. In no event shall our total liability to you, together with that of any affiliate, for all damages, losses and causes of action exceed the amount you paid to access this Web site. Neither we nor any affiliate assumes responsibility and shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing this Web site or your downloading of any materials, data, text, images, video or audio from this Web site.

Restrictions on Use of Materials

This site is owned and operated by Colonial Penn Life Insurance Company. Permission is granted to display and navigate around this Web site with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this Web site or any portion hereof is strictly prohibited. Except as otherwise permitted by Us, no materials from this Web site or any Web site owned, operated, licensed or controlled by Us or any of our affiliates may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way. You may download material displayed on this Web site for non-commercial, personal use only, provided 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 our written permission. Neither we nor any affiliate warrants or represents that your use of materials displayed on this Web site will not infringe rights of third parties.

Jurisdictional Issues

This Web site is controlled and operated by Us from our offices within the Commonwealth of Pennsylvania, United States of America. We make no representation that materials on this Web site are appropriate or available for use in other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws. The information contained on this Web site is not an offer to sell or solicitation to purchase any product or service. Some products may not be available in all states. The insurance products referred to on this Web site may be offered and sold only to persons in the United States.

Trademarks/Service Marks and Copyrights

Images displayed on this Web site are either the property of, or used with permission by, Conseco, Inc., or an affiliate. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. All trademarks, service marks, trade names, logos and icons used by Conseco, Inc., or any affiliate are proprietary. Nothing contained on this Web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this Web site without the written permission of the Conseco company or such third party that may own the trademarks or service marks displayed on this Web site. Your use of the trademarks or service marks displayed on this Web site, or any other content on this Web site, except as provided herein, is strictly prohibited. Inquiries concerning use of the trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property appearing on this Web site should be addressed to Conseco, Inc., Legal Department (A3B), 11825 N. Pennsylvania Street, Carmel, Indiana 46032, United States of America. Conseco®, the "steps" Performance Mark, and other trademarks, service marks, trade names and logos used by Conseco, Inc., or its affiliates are registered trademarks or service marks of Conseco, Inc., and/or its affiliates. Conseco, Inc., and its affiliates are very protective of their trademarks and service marks. If they have not been registered with the United States Patent and Trademark Office, then applications are pending. All use of these marks must be with our permission. Conseco, Inc., and its affiliates will file appropriate legal actions to enjoin the unauthorized use of these marks. Under the law, we would be entitled to collect your profits, our actual damages and, perhaps, even our attorney fees. We thank you for your cooperation.