Terms of use and legal notices

Please read the following legal notices carefully. Your use of this website (“Site”) constitutes your agreement with the terms and conditions set forth below. These terms and conditions may be changed or updated at any time. You are responsible for reviewing them periodically for current information. Additional legal notices regarding specific products, services, as well as conditions, restrictions or disclosures may be described on additional websites of Talcott Financial Group, Ltd. and affiliated companies.

Talcott Financial Group, Ltd.

“Talcott Financial Group” refers to Talcott Financial Group, Ltd., a financial holding company, and its direct and indirect subsidiaries. Collectively, these subsidiaries include insurance and non-insurance companies that issue, reinsure, and administer life, annuity, and other insurance products and offer risk assessment and other services for the insurance industry. Talcott Financial Group’s insurance company subsidiaries include Talcott Life & Annuity Re, Ltd. (Cayman Islands), Talcott Life Re, Ltd (Bermuda), TR Re, Ltd (Bermuda), Talcott Resolution Life Insurance Company (Connecticut), Talcott Resolution Life and Annuity Insurance Company (Connecticut), and American Maturity Life Insurance Company (Connecticut)..

Talcott Resolution Life, Inc. is a holding company for a group of insurance and non-insurance subsidiaries (collectively referred to as “subsidiaries”) that administers life and annuity products previously sold or acquired. Talcott Resolution Life, Inc. and such subsidiaries are collectively referred to as Talcott Resolution.

Access and use

You will be able to access our Site without having to register any details with us.

The contents of our Site may be used for informational purposes only. Any other use of such contents, including the reproduction, modification, distribution, transmission, republication, display or performance of the contents without our prior written consent is expressly forbidden.

You may not use, reproduce, modify, transmit, display, publish, sell, create derivative works, or distribute by any means, method, or process whatsoever, now known or hereafter developed, any content of this Site for commercial profit or gain. Nothing in these Terms or on the Site shall be construed as conferring any intellectual property or other proprietary rights to you. You agree to observe copyright and other applicable laws and may not use the content in any manner that infringes or violates the rights of any person or entity. We hold all rights to the content on this Site.

As a condition of your use of the Site, you will not use the Site, or any contents or services, for any purpose that is unlawful in any applicable jurisdiction where our Site is being used, or prohibited by these terms, conditions, and notices. You may not use the Site contents or services in any manner that could damage, disable, overburden, or impair any of our equipment or interfere with any other party’s use and enjoyment of the Site, or any contents or services. You may not attempt to gain access to any portion of the Site, or any of its contents or services, other than those for which you are authorized.

While every effort is made for the timeliness and accuracy of the Site content and services, we make no warranties either express or implied, and assume no liability or responsibility for the completeness, use, accuracy, reliability, correctness, timeliness or usefulness, of any of the results obtained from its use.

We make no representation or warranty, express or implied, with respect to the content of the Site, or links to other websites, including but not limited to accurateness, completeness, correctness, timeliness or reliability. We make no representation or warranty regarding the merchantability or fitness for a particular purpose or use with respect to any content or services whatsoever that may be accessed through this Site, or the results to be obtained from using the Site. We make no representation or warranty that the Site or content is free from defects or viruses. Your use of external links and third-party websites is at your own risk and subject to the terms and conditions of use for such links and websites.

While every effort is made so that all content provided on the Site does not contain viruses and/or harmful materials, you should take reasonable and appropriate precautions to scan for viruses or otherwise protect your computer or device, and you should have a complete and current backup of the applicable items on your computer or device. We disclaim any liability for the need for services or replacing equipment or data resulting from your use of the Site. While every effort is made for smooth and continuous operation, we do not warrant the Site will operate error free.

By submitting a telephone number to Talcott Financial Group you agree that a representative of Talcott Financial Group can contact you at the number you provide, potentially using automated technology (including texts/SMS messaging) or a pre-recorded message. Your consent is not an obligation to receive any of our services.

Site Uptime

We take all reasonable steps so that our Site is available 24 hours every day, 365 days per year. However, websites do sometimes encounter downtime due to server and other technical issues. Therefore, we will not be liable if this Site is unavailable at any time.

Our Site may be temporarily unavailable due to issues such as system failure, maintenance or repair, or for reasons beyond our control. Where possible, we will try to give our users advance warning of maintenance issues, but shall not be obliged to do so.

Trademarks/Copyrights

The terms “Talcott Financial Group” and “Talcott Resolution” are trademarks and, the associated logos, and combinations of the foregoing and all other trademarks, service marks, trade names, logos and icons, registered or not, are the property of Talcott Financial Group and Talcott Resolution Life Insurance Company and certain affiliates, or third parties which may be indicated. Other materials, including video, sound recordings, and images on this web site are a copyright of or proprietary to Talcott Financial Group and Talcott Resolution Life Insurance Company or are used with the consent of the owner.

The contents of this site are protected by copyright, trademark or other intellectual property laws of Bermuda or the U.S. or, in some instances, other foreign laws. Unauthorized use may violate copyright, trademark and other laws.

You may copy or print materials of Talcott Financial Group or Talcott Resolution from this site limited solely for your noncommercial, personal use unless otherwise indicated. You must retain any and all proprietary or copyright notices. You may not copy, transmit, distribute, modify, publicly perform, reuse, sell, or display any of the contents of this web site for any public or commercial purpose except with the prior written consent of Talcott Resolution or the owners of the materials. You may not use the contents in any other web site or in a network computer environment.

Links to Third Party Websites

Links from this Site to an unaffiliated external website, may be provided for users’ convenience only. Neither Talcott Financial Group nor Talcott Resolution controls or reviews these websites nor does the provision of any link imply an endorsement or association of such nonaffiliated websites. Talcott Financial Group and Talcott Resolution are not responsible for and make no representation or warranty regarding the contents, completeness or accuracy or security of any materials on such websites. If you decide to access such nonaffiliated sites, you do so at your own risk.

Disclaimers

All information on our Site is of a general nature and is furnished for your knowledge and understanding and as an informational resource only. The documents and any related graphics published on this server could include technical inaccuracies or typographical errors. Changes are periodically added to the information contained on our Site. We may make improvements and/or changes to any of the products depicted or described herein at any time. We expressly disclaim any responsibility or liability for any adverse consequences or damages resulting from your use of the Site or reliance on the information from either.

The materials and services on this web site are provided “as is” and for information purposes only. Talcott Financial Group, Talcott Resolution and its licensors make no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes.

Talcott Financial Group and Talcott Resolution and its licensors disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability or fitness for a particular purpose or non-infringement of others’ rights. Talcott does not warrant that the web site will operate error free or is free from viruses, worms, Trojan horses, or other destructive or harmful code. Talcott Resolution makes no representation or warranty that all products and services are available in all locations.

Limitation of Liability

In no event shall Talcott or its licensors be liable to you for damages of any kind whatsoever including, but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use this Site or the materials or services provided on this Site or the products or services received from this Site. Exemptions of implied warranties may not be allowed in all jurisdictions.

Indemnification

You agree to defend, indemnify, and hold us, our officers, directors, employees, volunteers, agents, licensors, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from or alleged to result from, your use of and access to the Site or your violation of these Terms or your violation of any third party right, including without limitation any trademark, copyright or other proprietary or privacy right.

Assignment

These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you.

General

These Terms, together with the Privacy Policy, other terms or legal notices published by us on the Site, and any other applicable agreements, shall constitute the entire agreement between us concerning use of the Site. If any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision. YOU AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

Additional Terms & Conditions for U.S. Entities

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Additional Terms & Conditions for Bermuda Entities