Terms and Conditions

General
This website (the "site") is offered by Primerica. Primerica is the trade name of Primerica, Inc., an organization that markets financial services through various affiliated companies in Canada, including Primerica Financial Services Ltd, PFSL Fund Management Ltd, PFSL Investments Canada Ltd., mutual fund dealer, Primerica Life Insurance Company of Canada, and Primerica Client Services Inc., as well as affiliated companies in the U.S. (collectively the "Primerica Companies").

By accessing this site and its various pages, you agree to be bound by these terms and conditions. If you do not agree to these terms and conditions below, do not access this site or any of its pages. Your use of this site will be deemed to mean that you accept these terms and conditions.

This site is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any product that may be mentioned in the site. If you wish to learn more about information contained on the site, you must contact a Primerica independent representative ("Representative").

Additional Terms
Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

No Warranties
THE ACCURACY, COMPLETENESS, SEQUENCE OR TIMELINESS OF THE INFORMATION ON THIS SITE CANNOT BE GUARANTEED. To the fullest extent permitted by law, the information given in connection with the information and material here is provided "as is" and "as available" without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement of third party rights, or freedom from computer virus. There are inherent risks in the use of any software or information found on the Internet, and you acknowledge that you understand these risks before making use of this site.

Link Policy
You are granted a limited, non-exclusive right to create a hypertext link to this site; provided the link does not portray the Primerica Companies or any of their respective products and services, in a false, misleading, derogatory or otherwise defamatory manner. This limited right may be revoked at any time. Without Primerica's express written consent, you may not use, frame or utilize framing techniques to enclose any Primerica trademark, logo or other proprietary information, including the images found at this site or the content of any text or the layout/design of any page or form contained on a page. Except as noted above, you are not conveyed any right or license by implication, estoppel, or otherwise in or under any patent, trademark, copyright or proprietary right of Primerica or any third party.

This site may contain links to websites controlled or offered by third parties (non-affiliates of Primerica). Primerica hereby disclaims liability for any information, materials, products or services posted or offered at any of the third party sites. By providing a link to a third-party website, Primerica does not endorse or recommend any products or services offered or information contained at that website, nor is Primerica liable for any failure of products or services offered or advertised at those sites. The third party may have a privacy policy different from that of Primerica and the third party website may provide less security than the Primerica site.

Submissions to Primerica
All information submitted to Primerica via this site shall be deemed and remain the property of Primerica and Primerica shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides Primerica through this site. Primerica shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Primerica entity having the direct customer relationship or as otherwise specifically agreed or required by law.

Copyright and Trademark Rights
Copyright:© Primerica, Inc. 2010. All Rights Reserved. Copyright in the pages and in the screens displaying the pages, and in the information and material therein and their arrangement, is owned by Primerica unless otherwise indicated.

The Financial Needs Analysis and Investor Profile Questionnaire software applications ("Applications") are copyrighted material under the laws of Canada and international treaty provisions. These Applications, regardless of the form or media in which the original or copies may exist are the sole and exclusive property of Primerica. These Applications, including the source and object codes, logic and structure, constitute valuable trade secrets of Primerica. Primerica may, in its sole discretion, change, terminate, suspend, or discontinue any aspect of the Applications, including, but not limited to, Content, features, or hours of availability.

Trademarks
The trademarks, service marks, logos, trade dress, URLs and domain names ("marks") appearing on this site are the property of the Primerica Companies or other third parties who have given Primerica license to use the marks. You may not use, copy, download or display any of the marks. Any unauthorized use of any mark is strictly prohibited. All rights in the marks are reserved by Primerica, Primerica, Inc., and their affiliated companies. Other products and company names mentioned in the site may be the trademarks of their respective owners.

Primerica®, Primerica Ring™, the Primerica ring design, Primerica Enhance™, Custom Advantage™, Concert™, the Concert™ Logo, Common Sense Funds™ and SMART Loan™ are trade-marks and service marks of the Primerica Companies, and are used in the United States and Canada. The Primerica Companies also claim rights in certain other trade-marks and service marks contained in these web pages.

LIMITATION OF LIABILITY IN NO EVENT WILL Primerica BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF PRIMERICA, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

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