These terms and conditions govern your use of this website – http://www.prudential.ca. Your use of this website and Content (defined below) constitutes your acceptance of these terms and conditions. If you do not agree with these terms and conditions, you should immediately cease use of this website and Content.

Prudential
This website presents information and content that is the property of Prudential Financial, Inc. and its subsidiaries (‘Prudential’). When used in these Terms and Conditions, ‘we’ and ‘our’ mean Prudential, and ‘you’ and ‘your’ refer to any individual, company, or legal entity that accesses or otherwise uses this website.

Ownership and Use of Content
All the information and content on this website, including but not limited to all text, analyses, reports, articles, graphics, software applications, video and audio files and photos, trademarks, service marks, and trade dress (‘Content’) is owned or licensed by Prudential. The Content is protected worldwide by applicable intellectual property laws, unless otherwise indicated.

You may make and use printouts of the Content for your personal, non-commercial use only, provided the printouts retain all copyright, trademark, and other proprietary notices. Prudential reserves the right to terminate at any time your right to make personal copies of Content. The use of the Content on any other Website or in a networked computer environment for any purpose, or any other republication or redistribution of the Content, including, without limitation, framing the Content within another Website, is expressly prohibited without the prior written permission of Prudential. You may not frame the Content within another website. Except for the limited use rights expressly provided in this paragraph, all rights in the Content are reserved.

Trademarks
Prudential and the Prudential Rock Financial logo are service marks of Prudential. Other proprietary Prudential marks may be designated as such from time to time on this website through use of the SM, ®, or other symbols. Except when included in any authorized printouts of the Content, you are not authorized to make any other use of any Prudential registered service marks or other proprietary Prudential marks, including, but not limited to, as metatags or in any other fashion that may create a false or misleading impression of affiliation or sponsorship with or by Prudential.

Security
For certain types of communications through this website, we require the use of encryption technologies provided for your protection and/or use by you of User IDs and Passwords. You are responsible to protect your User IDs and Passwords from disclosure to third parties and you are not permitted to avoid the use of required encryption technologies. While we provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we do not guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception or error.

NO WARRANTY
Your use of this website and Content is at your own risk. We will make every reasonable effort to include accurate and up-to-date content on this website. However, all content on this website, or on any other website to which we link, is furnished on an ‘as is’ basis. The Content on this website and the operation of it are provided ‘as is’ and Prudential disclaims all representations or warranties of any kind, either express or implied, including warranties of merchantability, fitness for particular purpose, title, non-infringement, accuracy, completeness, and timeliness. Certain jurisdictions may not permit certain disclaimers of warranties. In such case we disclaim warranties to the fullest extent permitted by the applicable law.

NO LIABILITY
Neither Prudential, any of its agents, nor any other party involved in creating, producing or delivering this website or Content is liable for any direct, incidental, consequential, indirect, lost profits, loss of business or data, or punitive damages arising out of your access to, or use of, this website or any Content or any other linked website, whether those damages are financial in nature or result from lost, incomplete, or interrupted data or transactions.

Hyperlinks
From time to time, as a convenience for you, we may provide links to third party websites, or permit third parties to link to this website. Links to or from a third party website, whether provided by Prudential or not, do not imply any affiliation between Prudential and that website owner, or an endorsement of such third party websites. We are not responsible or liable for the accuracy or completeness of the Content on any such third party websites. We may cancel any link at any time and will remove any link from this website upon request from the owner of the linked to website.

Your Responsibility for Security
Prudential assumes no liability or responsibility for any damages to you, your computer, or other property due to your access to, use of, or downloading of Content. If you download or copy Content from this website, you are responsible for taking all reasonable precautions necessary to ensure the security and integrity of your computer and systems, including using virus protection software.

Children
This website does not intend to market any Prudential products or services to children. Prudential does not knowingly gather, or solicit data, from children through this website for marketing purposes.

Availability
Not all the products or services described on this Web site are available in all geographic areas of the United States. You may not be eligible for all of the described products or services and we reserve the right to determine the eligibility of any user for any product or service. The pages relating to each product or service provide additional information on the availability of each product or service and may contain terms governing eligibility.

Additional Terms
In connection with different products or services available on this website and other Prudential websites, we established additional or different terms and conditions. In many instances, our products or services involve sophisticated financial instruments or investments that are regulated by public authorities. As a result, the additional terms and conditions are important to providing you a thorough understanding of the related products and services. These additional or different terms and conditions are available on the web pages associated with the appropriate products or services. You are encouraged to review all the terms and conditions relating to Prudential products or services so you fully understand their features. In the event of any conflict between the terms and conditions on this website and such additional terms and conditions, the additional terms and conditions shall govern and control.

Changes
The Content on this website, and these terms and conditions, are subject to change or updating by Prudential at any time without prior notice. The changes may include superseding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE. Your continuing use of this website constitutes your acceptance of any change or update, all of which shall become controlling when posted.

Privacy Statement
Read Internet Privacy Statement for more information.

Additional Information
All information, other than personal information subject to Prudential's Internet Privacy Statement, submitted to Prudential through this website or any related Prudential website is the property of Prudential. Prudential shall be free to use any ideas, concepts, know-how, or techniques that you may submit to Prudential through this website to improve our services. We shall not be subject to any obligations of confidentiality regarding any submitted information except as specified in Prudential's Internet Privacy Statement, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States and the State of New Jersey, without giving effect to conflict of law principles thereof.