Welcome to our Web site. We have provided this Web site for your convenience to help you learn about our companies, products and services. This page provides important information about your use of this Web site.
The products and services described on this Site are offered by Capitas affiliates, distributors or agencies with whom Capitas has agreements. Please be aware that some products, services or product features described on this Site may not be available in your jurisdiction and generally are not available outside the United States. The laws of each country, state, or territory may differ and not all products and services are available in all locations. References to products or services unavailable in your jurisdiction do not imply that these products will be made available to you, and nothing on this Site shall be considered a solicitation to buy or an offer to sell a security, insurance product or service to any person in any jurisdiction where such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Your eligibility for certain products and services is subject to final determination of underwriting qualifications or other eligibility criteria and acceptance by the Capitas affiliate, distributor or agency providing such product or service.
Ownership and Use of Content Copyright, Trademarks, Service Marks and Logos
Links; Third Party Content
From time to time, Capitas may provide links from this Site to other Web sites, permit a link from another Web site to this Site, or include information from third parties on this Site. Such links and third-party content are provided for informational purposes only and do not imply any affiliation with, or an endorsement, authorization, sponsorship or promotion of, the Web site or third-party content. Capitas does not control or review these links, nor does it independently verify information provided by third parties; therefore, Capitas accepts no responsibility for the content, products or services provided at any other Web sites, or for the accuracy or completeness of any information supplied by a third party. If you decide to access other Web sites, you do so solely at your own risk and you should be aware that other Web sites are governed by their own terms and conditions. Links to this Site from another Web site may be made only with the written permission of Capitas. Capitas reserves the right in its sole discretion to refuse permission or to cancel permission to link to this Site at any time.
Content and Liability Disclaimer
Our intent is to provide accurate and up to date content on this Site; however, that is not always possible. Content may contain inaccuracies or errors and may change. Content is provided for informational purposes only and should not be relied on. Although the information on this Site may include statements on various life events and financial, legal or tax concerns, it is provided for informational purposes only, and is not intended and should not be relied upon as legal, tax or personalized advice. Capitas does not warrant or make any representations regarding the suitability, usefulness or expected results of the Content, services, products or functions provided on this Site. You should not rely upon this information in making any decisions, including any decision to buy a product or service from Capitas, its affiliates, distributors or agencies, or any other company. You should consult your financial professional and legal and/or tax advisor for advice about the appropriateness of products and services for you, and the effect of state and federal law on the products, services or issues discussed on this Site, or of federal income taxes or any other taxes on amounts held or paid out under any financial products described.
ALL CONTENT, SERVICES AND FUNCTIONS ON THIS SITE, ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Some jurisdictions do not allow the exclusion of certain implied warranties in which event those warranties, if required in your jurisdiction, apply to the minimum extent legally required.
Access and availability
No warranty or representation is made that this Site or any part or function of this Site, including without limitation any transactional function, will be available and not subject to interruption at any time.
No warranty or representation is made that any Content, service, product or function available at this Site or any linked Web site, including without limitation any downloadable files, is free of a computer virus, worm, trojan horse, timebomb or other destructive or harmful program, software, code or device which may erase, scramble, lock or disable any computer software, content or equipment or may prevent users from using a Web site or any other item of hardware or software. You should routinely scan your system and downloaded files for such disabling devices.
Limitation on liability and damages
IN NO EVENT WILL CAPITAS BE LIABLE TO ANY PARTY FOR USE OF THIS SITE, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTIONS, LOSS OF PROGRAMS OR DATA ON YOUR EQUIPMENT, OR OTHERWISE, EVEN IF WE OR ANY OF OUR REPRESENTATIVES ARE EXPRESSLY ADVISED OF THE POSSIBILITY OR LIKELIHOOD OF SUCH DAMAGES, INCLUDING THOSE ARISING FROM THE USE OF OR RELIANCE ON INFORMATION, INTERRUPTIONS, ERRORS, DEFECTS, MISTAKES, OMISSIONS, DELETION OF FILES, DISABLING DEVICES, DELAYS IN OPERATION OR TRANSMISSION, NONDELIVERY OF INFORMATION, THEFT, UNAUTHORIZED ACCESS, DISCLOSURES OF COMMUNICATIONS, OR ANY FAILURE OF PERFORMANCE. Some jurisdictions do not allow limitation or exclusion of certain liabilities or damages in which event in such jurisdiction the foregoing shall apply to the maximum extent allowed by law. You are responsible for the entire cost of all servicing, repair or correction of your property or operations, including without limitation, your computer, network, software or any device, required as a result of or related to using this Site.
Capitas reserves the right to monitor any and all use of this Site in its discretion. However, unless required by law, we do not have any obligation to you to conduct such monitoring or to take any action based on any monitoring we may conduct.