The following terms and conditions apply to all users and viewers of this website. By accessing or using this site, you agree to be bound by the terms and conditions of use outlined below. Please read this statement carefully before using this site. If you do not agree to these terms and conditions, exit this site now and do not use or access the site.

The information provided in this web site is intended to ensure your protection as well as that of Guardian Life Limited, its subsidiaries and affiliates (“GLL”). All rights in the information, including but not limited to concepts, layout, ideas, logos and graphics, published in this website remain the exclusive property of GLL. Information in this site may not be copied, reproduced, distributed, transmitted or in any way disseminated without the prior written consent of GLL. Information in this site is provided for lawful purposes only and may be changed at any time without notice.

Restrictions on Liability
GLL makes no representation concerning the accuracy or completeness of information or materials available in this site or any sites linked to this site. Links to other web sites shall not be construed as an endorsement, express or implied, of their content or the site owners. Similarly, links from other web sites to this site should not be considered an endorsement of any kind by GLL.

The information contained in this web site is provided “as is” “as available” for general reference only, without warranties of any kind and is not intended to constitute legal, financial or other professional advice or services. While GLL has made reasonable efforts to ensure that it has been obtained from reliable sources and is correct, we cannot warrant or guarantee its quality, accuracy, timeliness or suitability for any particular purpose.

GLL expressly excludes any representation or warranty either express or implied, including, without limitation, any implied warranties of accuracy, completeness, fitness for a particular purpose and timeliness and disclaims any liability whatsoever for negligence, to the fullest extent possible under applicable law. Under no circumstances shall GLL be liable for any damage whatsoever, including but not limited to special, indirect, incidental, consequential and punitive damages, or loss or injury arising out of the use of, or access to, or in connection with, the information available in this site or the transmission of any virus or other harmful component or any transmission failure. You agree to indemnify GLL and not hold GLL liable for the result (foreseeable or unforeseeable) of any actions you may take based on the material contained in this site.

GLL has enhanced the security of certain areas in this web site through the use of secure firewalls and Secure Sockets Layer (SSL) protocol with 128-bit encryption. By using this protocol, all information sent between the computer and our secure environment is encrypted or scrambled and cannot be read by unauthorized persons while in transit. Any information you download from this site is confidential and intended only for the addressee.

GLL has taken reasonable steps to ensure the security of personal information transmitted over the internet. However, complete confidentiality and security over this medium are not yet possible, and there exists a remote possibility of data security violations occurring. In the event of such violation, GLL does not accept any liability for direct, indirect, special or consequential damage arising out of use of the site, except where such damage is proven to be caused by the negligence of GLL.