Site User Agreement

Please read these terms and conditions carefully before using this site. By using this site, you agree with these terms and conditions. If you do not agree, please do not use this site. AnnuityNet reserves the right to change, modify, add or remove portions of these terms at any time. Any such changes will be communicated promptly on this page. Your continued use of this site following the posting of changes to these terms signifies your acceptance of these changes.

The information provided on this site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject AnnuityNet, Inc. ("AnnuityNet") or its affiliates and third-party vendors, or any of their shareholders, directors, partners, members, officers, employees, agents or representatives, to any registration requirement within such jurisdiction or country.

The information provided on this site is provided to you for information purposes only and does not constitute an offer to sell or a solicitation to buy any security that may be referenced on this site. Also, nothing on this web site should be construed as rendering tax or legal advice.

Disclaimer of Warranty and Limitation Liability

Neither AnnuityNet, Inc., its affiliates nor any of their respective directors, officers or employees, nor any third party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this site, or resulting from the act or omission of any other party involved in making this site or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the site or these materials.

ALL INFORMATION AND CONTENT ON THIS WEB SITE IS, SUBJECT TO APPLICABLE STATUTES AND REGULATIONS, FURNISHED "AS-IS," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

WE MAKE NO WARRANTY AS TO THE OPERATION, FUNCTIONALITY OR AVAILABILITY OF THIS WEB SITE, THAT THE WEB SITE WILL BE ERROR-FREE OR THAT DEFECTS WILL BE CORRECTED.

Copyright

Except as otherwise noted in this website, all information, documentation and other content posted in this website (collectively, the "Information") is the property of AnnuityNet. Without limiting the foregoing, the graphics, icons and overall appearance of this website are the property of AnnuityNet. The posting of Information does not constitute a waiver of any of AnnuityNet's proprietary rights in or related to such Information (such as, but not limited to, patents, copyrights and trademarks) or a transfer of any such rights to you or any third party. U.S. and international copyright laws, both as individual works and as a collection, protect the Information. You agree not to delete any copyright or similar notice from any Information. You may not sell or republish, or copy for other than your own individual use, the Information or any portion thereof without the prior written consent of AnnuityNet. Any brand or product names are trademarks or service marks of their respective owners, should be treated as such, and may be registered in various jurisdictions. All rights reserved.

Links to Other Sites

AnnuityNet does not assume any responsibility or liability for information accessed via links to or from third party sites. The existence of such links should not be construed as an endorsement, approval or verification by AnnuityNet of any content available on third party sites. By providing access to other web sites, AnnuityNet is not recommending the purchase or sale of products or services provided by the sponsoring organization of any linked site. We do not review any of these third party sites.

Third Party Products and Services

From time to time, products and services provided by third parties (the "Third Party Services") may be offered for sale or made available through or by links from this website. Except to the extent expressly stated otherwise on this website, AnnuityNet has no control over any such Third Party Services. In no event will AnnuityNet have any liability arising out of or related to the Third Party Services. Any such offer of the Third Party Services does not constitute an endorsement by AnnuityNet of the Third Party Services or the providers thereof.

Jurisdictional Issues and Applicable Law

The laws of the Commonwealth of Virginia govern this agreement, without reference to choice of law principles. If any term or condition herein is deemed unlawful, void, or for any reason unenforceable, then that term or conditions will be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions.

How to Contact Us

If you have questions or comments regarding this document, please contact us in the following ways: