Legal Notice

Please read all of the following information carefully before using this web site.

This is the website of IA American Life Insurance Company (IAA) and Industrial Alliance Pacific Insurance and Financial Services, Inc. (IAP). IAA and IAP are subsidiaries of Industrial Alliance Insurance and Financial Services Inc. (IA), a Canadian life and health insurance company, and are conducting business in the United States through these branches.

Anyone who chooses to access this site from locations other than those locations where IAA & IAP are authorized to conduct its business does so on their own initiative and is responsible for compliance with any applicable local law. IAA & IAP do not represent that any of the material on this website is available or appropriate for such other locations.

IAA & IAP do not solicit or offer for purchase or sale, insurance products, in any jurisdiction in which they are not authorized to conduct business and where such activity would be unlawful or in violation of the insurance laws of that jurisdiction. The information contained in this web site is not intended as nor does it constitute an offer to sell or a solicitation to purchase any insurance products. You should consult your individual financial advisor for assistance on such matters.

Acceptance of Conditions of Use

By accessing and using this website, you accept and agree to, without limitation or qualification all of the terms and conditions of use contained in this Legal Notice document. IAA & IAP may, at any time, revise the information in this document by updating this posting. Since you are bound by the updated terms and conditions, you are advised to periodically review the information provided at this location.

Disclaimer

IAA & IAP provide all material on this website, (“as is”). They do not provide express or implied warranties of any kind, including but not limited to, implied warranties of merchantability and fitness for a particular purpose. IAA & IAP do not warrant that this website is free of viruses or other harmful elements. Further, IAA & IAP do not warrant that the functions contained in the materials will be error free or warrant as to the correctness, accuracy, and reliability of such materials.

This website may provide hypertext links to other websites. IAA & IAP have not reviewed the content of these independent sites. IAA & IAP do not warrant any information created, published, maintained or otherwise posted and does not endorse, approve or certify any information, product or service referenced or provided at such sites.

Communications

IAA & IAP will not accept transactions or instructions by email unless we have specifically authorized such use in a particular situation. However, questions or inquiries of a general nature may be transmitted to us by email. While IAA & IAP attempt to maintain the highest security standards, it cannot and will not guarantee the security and privacy of information transmitted in this manner. IAA & IAP discourage its customers from sending confidential and personal information by email, and any person doing so chooses to do so at his or her own risk. IAA & IAP will not be held responsible for any damages or losses incurred as a result of that choice.

Liability Limitations

IAA & IAP make no warranties or representations as to the accuracy of this website. Under no circumstances, including but not limited to, negligence by act or omission, shall IAA & IAP or any party involved in creating, producing or delivering the website be liable for any direct, incidental, consequential, indirect, special, third party or punitive damages that result from the use of, or the inability to use, the materials on this website, even if IAA & IAP or its representatives have been advised of the possibility of such damages. In the event that the above limitation or exclusion is found to be inapplicable to you, IA's total liability to you for all damages, losses, and causes of action shall not exceed the amount paid by you, if any, for accessing this website.

Trademarks, Copyrights and Restrictions on Use

The use of contents of this website, in particular the content that is subject to IAP's & IAA’s copyright, trademark and service mark rights, is strictly prohibited. No content or materials may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You are not permitted to 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. Any infringement of IAP's & IAA’s legal rights will result in appropriate legal action.