This website is owned and operated by the companies of MANHATTAN LIFE GROUP(“We,” “Us,” “Our,”) which is comprised of ManhattanLife Assurance Company of America, Western United Life Assurance Company, The Manhattan Life Insurance Company, and Family Life Insurance Company.

The following terms and conditions govern your use of Our Online Services. By using Online Services, you agree, on your own behalf and on behalf of the account you represent, to these terms and conditions. You certify that You are authorized to access on a continuing basis any online information available through Our Online Services. We may request confirmation of Your authorization at any time, and We may restrict or terminate Your access to online information at any time. You agree that You will not allow another individual to use Your user name and password to access Your online information.We have no liability for any loss or damage caused by Your failure to protect Your user name and password.

Online information is generally current; however, errors and omissions may occur. ONLINE INFORMATION IS SUBJECT TO UPDATES, ADJUSTMENTS AND CORRECTIONS.

You agree to keep any information obtained online confidential.You agree to use the website and the information provided therein, only to conduct business between Us and the policy to which You have authorized access.

The availability of Our Online Services is not guaranteed at any time. Availability of data and services are subject to change without notice. THE COMPANIES OF MANHATTAN LIFE GROUP DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. THE COMPANIES OF MANHATTAN LIFE GROUP DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS IN THIS WEB SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE MATERIALS IN THIS WEBSITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THESE MATERIALS COULD BECOME INACCURATE AS A RESULT OF DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES. THE COMPANIES OF MANHATTAN LIFE GROUP UNDERTAKE NO OBLIGATION TO MAINTAIN THE CURRENCY OF SUCH INFORMATION.

UNDER NO CIRCUMSTANCES SHALL THE COMPANIES OF MANHATTAN LIFE GROUP BE LIABLE FOR ANY DAMAGES OR INJURY OR LOSS, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS IN THIS SITE, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE IN THE WEBSITE.THE COMPANIES OF MANHATTAN LIFE GROUP SHALL NOT BE LIABLE EVEN IF WE OR AN AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE INCLUDE BUT ARE NOT LIMITED TO DAMAGES OR INJURY CAUSED BY ERROR, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, LINE FAILURE OR COMPUTER VIRUS OR OTHER HARMFUL COMPONENT.

APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE.