By using this site, you agree to the following terms:

Information on This Website

The information contained on this site does not constitute an offer or solicitation for the sale of any security, insurance product or any other product or service by PHL Variable Insurance Company, or its subsidiaries (collectively, PHL). Content is provided for informational purposes and should not be construed as a substitute for legal or financial advice from a professional advisor.

This site and its features are intended solely for use by United States residents who are at least 18 years of age and have otherwise reached the age of majority in his/her state. By accessing this site, you represent and warrant that you have the right, authority and capacity to enter into these Terms of Use and that you meet all eligibility requirements. The services and products described and information provided through this website are directed to and are intended to be made available only to persons in the United States.

Restrictions on Use

Your use of the materials on this site, including content, documents, products, software, graphics and text, and all software, design, programming techniques and documentation used to operate and support the site, is subject to these terms. You may download material displayed on this site to your personal computer and you may print one copy of the information contained on this site solely for your own personal use provided you do not remove any copyright, trademark or other proprietary notices contained on the materials. Except as authorized in writing by PHL or its representatives, no materials from this site or any Web site owned, operated, licensed or controlled by PHL may be copied, reproduced, duplicated, republished, uploaded, posted, transmitted, hyperlinked or distributed in any way.

Our Privacy Policy

PHL is firmly committed to maintaining the privacy of all visitors to our site. For more information, see our Privacy Policy.

Modification of This Site and Materials

PHL may, at any time and for any reason, stop making this site available and/or remove and discard any materials within it. Further, PHL shall not be liable to you or any third party for any modification, suspension or discontinuance of the site.

Links

This site may provide, or third parties may provide, links to other websites or resources. PHL has no control over such sites and resources, is not responsible for their availability, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from them. PHL shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of such sites or resources. Your use of such sites or resources shall be subject to the terms and conditions set forth by them.

THIRD PARTY CONTENT

This site may contain or reference third-party names, trademarks, products, services or content, which third-party materials are provided solely as a convenience for you and do not in any way state or imply PHL’s endorsement of, sponsorship of or affiliation with any such third party or their goods, services or content. PHL does not warrant or represent that accuracy or validity of, and shall not be liable for, such third-party materials or any damage or loss caused or alleged to be cause by or in connection with such third-party materials.

PHL's Proprietary Rights

All rights, title and interests in and to the site and its materials, including, but not limited to, all patent rights, copyrights, trade secrets, trademarks, site marks and other inherent proprietary rights, are retained by PHL or its licensors. Except as expressly authorized by PHL herein, you agree not to make, copy, display, modify, rent, lease, license, loan, sell, distribute or create derivative works of the site or its materials in whole or in part. Any modification of the site or its materials for any purpose is in violation of these terms.

Trademark Information

The PHL Marks, and Marks licensed for use by PHL, including, but not limited to, Phoenix and phoenix design logo marks, are registered trademarks and service marks of PHL or licensed for use by PHL. The PHL Marks may not be displayed or otherwise used in any manner without the prior written consent of PHL. All other trademarks not owned by PHL that appear on this site are the property of their respective owners.

Disclaimer of Warranties

This site and its materials are provided "as is" and "as available" and without warranties of any kind, either express or implied, including, but not limited to, implied warranties of accuracy, completeness, noninfringement, merchantability and fitness for a particular purpose, including, without limitation, whether any insurance or other product described on the site is appropriate to meet your needs.

Without limitation of the foregoing, PHL makes no warranty that (i) the site will meet your requirements; (ii) the site will be uninterrupted, timely, secure, or error-free; (iii) the results that may be obtained from use of the site will be accurate or reliable; (iv) the quality of any products, sites, information, or other material obtained by you through the site will meet your expectations; or (v) any errors in the site will be corrected.

Any material viewed, downloaded or otherwise obtained through the use of the site is done solely at your own discretion and risk, and you will be solely responsible for any damage to your computer system or loss of data that results from the viewing or download of any such material.

No information provided to you through this site shall be the basis for any warranty between you and PHL.

Limitations of Liability

PHL and its officers, directors, employees, consultants and contractors shall not be liable for any damages, losses, costs or injuries suffered as a result of or in relation to this site or its materials, your use of either of the foregoing, or your breach of these terms or restrictions. In no event shall PHL be liable for any indirect, punitive, special, incidental, or consequential damages (including, without limitation, loss of sales, business, revenue, profit, use, data or other economic advantage), however it arises, whether for breach of contract or in tort, even if PHL has been advised of the possibility of such damages. In no event shall PHL be liable to you for damages greater than $50 in aggregate.

Indemnification

You shall indemnify, defend and hold PHL harmless from and against all claims, actions, liabilities, damages, losses, debts, costs and expenses, including, without limitation, reasonable attorneys' fees, arising out of or relating to (i) your use or modification of this site or its materials; (ii) any information content or materials submitted or provided by you; or (iii) your breach of any of these terms or restrictions.

Submissions

To avoid any misunderstandings as to ownership or compensation, this site should not be used to submit ideas, suggestions or materials (collectively, submissions) to PHL. Employees, consultants and other representatives of PHL have many creative ideas of their own, some of which may be similar to your submissions. In addition, while you may believe that your submissions are novel or unique, it is possible that they are otherwise known by PHL or within the financial or other industries. If, despite our request, you submit any submissions to PHL via this site, such submissions shall become the property of PHL and you hereby assign to PHL, without further consideration, all of your rights, title and interests in and to the same, including, without limitation, any pertinent copyright, trade secret, patent and any other intellectual property rights. Any additional or different terms of ownership or use submitted by you in connection with any such submission shall be void. In addition, PHL shall be under no obligation of confidence with respect to any such submission and shall not be liable for any use or disclosure of the same.

General Information

You also may be subject to additional terms and conditions that may apply when you use subsidiaries' sites, third-party content or third-party software. These terms and the relationship between you and PHL shall be governed by the laws of the State of Connecticut and controlling United States federal law without regard to conflict of law provisions. The failure of PHL to exercise or enforce any right or provision of these terms shall not constitute a waiver of such right or provision. If any provision of these terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and that the other provisions of these terms shall remain in full force and effect.

The section titles included in this statement are for convenience only and have no legal or contractual effect.

Changes to Terms

PHL reserves the right, in its sole discretion at any time, to change, modify, add to or delete portions of these terms and/or the Privacy Policy. You are bound by any such revisions and should periodically visit this page to review the most recent terms. Your continuing use of this site following the posting of any such changes, modifications, additions or deletions shall constitute your acceptance of and assent to the same. If you decide to purchase insurance or other PHL products or services that are referred to on the site, the terms and conditions specified in the applicable policy or other agreement with PHL will apply.