|
Legal Terms, Rules and Regulations
Protective Life Corporation requires that each visitor (a "User") to this Internet site on the World Wide Web (the "Site") adhere to the following Rules and Regulations. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Rules and Regulations.
Laws and Regulations.
Access to and use of this Site are subject to all applicable federal, state and local laws and regulations.
Access to Password Protected or Secure Areas.
Access to and use of password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution.
Copyright and Trademarks.
All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the "Marks") displayed on this Site are the property of Protective Life Corporation or its subsidiaries or affiliates (collectively "Protective"). Users are prohibited from using any Mark for any purpose without the express written permission of Protective.
Informational Purposes Only.
The product material described on this Site is provided for informational purposes only. This material is intended solely to provide a general overview of the types of products and range of services available from Protective. The information included on this Site is not an offer to sell any security or product in any state or other jurisdiction.
Products Not Available in All States.
The products described on this Site may not be available in all states or other jurisdictions.
Policy Restrictions, Limitations and Terms.
The Protective products referenced on this Site have restrictions, limitations, and terms regarding coverage. For complete details concerning coverage and product availability in your state, contact your Protective agent or call 1-800-866-9933.
No Warranty.
All information on this Site is provided to you "as is" without any warranty of any kind, either express or implied, as to the accuracy or completeness of the information, text, graphics or other items contained on this Site. Protective expressly disclaims all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security and accuracy. Information on this Site may contain inaccuracies or errors. Information on this Site may be changed or updated without notice. Protective has no obligation to update information on this Site, so such information may be out of date at any given time. Protective also may make improvements or changes in products described on this Site at any time without notice.
Linked Internet Sites.
You may leave this Site and access other sites on the World Wide Web that Protective does not maintain. Protective is not responsible for the content available on any other site on the World Wide Web linked to this Site and disclaims any responsibility for such other sites. Access to any such other site linked to this Site is at the User's own risk.
Privacy Notice.
Please refer to the privacy notice of the appropriate company for additional details.
Use of Cookie Files.
Some sites and pages within our Sites use "cookies." A cookie is a small file that is stored on your hard drive and contains no personally identifiable information about you and your usage of our sites. A cookie cannot read data off your hard drive or read cookie files created from other sites. You are free to decline our cookie if your browser has been set to prompt or decline cookies.
Limitation of Liability.
Protective specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damage arising out of or in any way connected with access to or use of this Site (even if Protective has been advised of the possibility of any such damage), including any liability associated with any virus that may infect a User's computer equipment. Under no circumstance will Protective be liable for any loss or damage caused by a User's reliance on information obtained through this Site. It is the responsibility of each User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through this Site.
No Representation as to Suitability.
Protective makes no representation as to the financial or other suitability of any product described on this Site for any User. In order to evaluate whether a particular Protective product is suitable for your financial needs, you should contact a competent financial advisor.
Forward-Looking Statements.
This Site includes "forward-looking statements" that express expectations of future events and/or results. All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and Protective cannot give assurance that such statements will prove to be correct. Please refer to Exhibit 99 of Protective's most recent report on Form 10-K/10-Q to the Securities and Exchange Commission for more information about factors that could affect future results.
Changes to Rules and Regulations.
Protective reserves the right to revise these Rules and Regulations at any time and Users are deemed to be apprised of and bound by any changes to these Rules and Regulations.
Violations of Rules and Regulations.
Protective reserves the right to seek any remedy available at law or in equity for any violation of these Rules and Regulations, including the right to block access from a particular Internet address to this Site.
Mandatory, Binding Arbitration.
You agree that any claim or dispute between you and Protective or any officer, director or employee of Protective related to your use of this Site or any information herein, including the validity of this provision regarding Mandatory, Binding Arbitration, regardless of the amount or value of such claim or dispute, will be resolved by mandatory, binding arbitration administered by the National Arbitration Forum in accordance with its Code of Procedure then in effect, except that any arbitration will be conducted in, and any hearing will be held in, Birmingham, Alabama. Information may be obtained and claims may be filed at any office of the National Arbitration Forum (www.arb-forum.com) or at P.O. Box 50191, Minneapolis, MN 55405. This provision regarding Mandatory, Binding Arbitration will be governed by the Federal Arbitration Act. | 
