Effective Date: October 01, 2020

Welcome to the website operated by Global Atlantic Financial Group Limited (collectively, with our subsidiaries and insurance operating company affiliates1, “Global Atlantic,” “we,” “us,” or “our”). Our website and online services (“Website”) provide general information about Global Atlantic and our products and services (“Services”).

All uses of the Website are subject to the following terms and conditions of use (“Terms of Use”).

Please read these Terms of Use carefully before accessing or using any part of the Website. By accessing or using this Website, you agree that you have read, understand, and agree to be bound by these Terms of Use (as amended from time to time). If you do not agree to these Terms of Use, do not access or use any part of thE Website.

We may amend these Terms of Use at any time in our sole discretion by posting the amended terms to this Website. Any modifications shall be effective immediately upon posting to the Website. Your continued use of the Website following any such modification means that you accept and agree to the updated Terms of Use as amended. If you do not agree to the updated Terms of Use or are dissatisfied with the Website, your sole and exclusive remedy is to discontinue using the Website. The most current version of the Terms of Use is available through the “Terms & Conditions” link at the bottom of each page on this Website.

Use of the Website

You agree to use our Website only for lawful purposes. Without limiting the foregoing:

  1. You agree not to do any of the following: (1) upload to or transmit on the Website any defamatory, indecent, obscene, harassing, violent or otherwise objectionable material, or any material that is, or may be, protected by copyright, without permission from the copyright owner; (2) use the Website to violate the legal rights (including the rights of publicity and privacy) of others or to violate the laws of any jurisdiction; (3) intercept or attempt to intercept electronic mail not intended for you; (4) misrepresent an affiliation with any person or organization; (5) upload to or transmit on the Website any advertisements or solicitations of business; (6) restrict or inhibit use of the Website by others; (7) upload or otherwise transmit files that contain a virus or corrupted data; (8) collect information about others (including e-mail addresses) without their consent; (9) download a file or software or include in a message any software, files or links that you know, or have reason to believe, cannot be distributed legally over the Website or that you have a contractual obligation to keep confidential (notwithstanding its availability on the Website); (10) post "spam," transmit chain letters or engage in other similar activities; or (11) engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Website, or which, as determined by Global Atlantic, may harm Global Atlantic or users of the Website or expose them to liability.
  2. You acknowledge and agree that the information and instructions you provide to us through the Website are true, accurate, and complete, as you are solely responsible for such information and instructions. You agree to update us if the information changes. We may use third parties to verify all or a portion of your information.
  3. If we provide you with login credentials (e.g. username, password or PIN) to access certain features of this Website, you agree that (1) you will keep this information secure and confidential; (2) you will not share such information with third parties; and (3) you understand that you are responsible for all activity any person conducts using your login credentials to access the Website, regardless of whether or not you authorized the activity.
  4. Global Atlantic reserves the right, but does not assume any responsibility, to: (1) remove, as applicable, any material posted on the Website which Global Atlantic, in its sole discretion, deems inconsistent with the foregoing commitments, including any material Global Atlantic has been notified, or has reason to believe, constitutes a copyright infringement; and (2) terminate any user's access to all or part of the Website. However, Global Atlantic can neither review all material before it is posted on the Website nor ensure prompt removal of objectionable material after it has been posted. Accordingly, Global Atlantic assumes no liability for any action or inaction regarding transmissions, communications, or content provided by third parties. Global Atlantic reserves the right to take any action it deems necessary to protect the personal safety of users of this Website and the public; however, Global Atlantic has no liability or responsibility to anyone for performance or nonperformance of the activities described in this paragraph, except as required by applicable law.
  5. Your failure to comply with these Terms of Use, including the provisions of (A) through (D) above, may result in the termination of your access to the Website and may expose you to civil and/or criminal liability.
Copyright Restrictions | Use of Content

The entire contents of this Website (including all information, software, text, displays, images and audio) and the design, selection and arrangement thereof, are proprietary to Global Atlantic or its licensors and are protected by United States and international laws regarding copyrights, trademarks, trade secrets and other proprietary rights. You are authorized only to use the content on the Website for personal use or legitimate business purposes related to your role as a current or prospective customer, supplier, distributor, business partner, or agent of Global Atlantic. You may not copy, modify, create derivative works of, publicly display or perform, republish, store, transmit or distribute any of the material on this Website without the prior written consent of Global Atlantic, except to: (a) store copies of such materials temporarily in RAM, (b) store files that are automatically cached by your web browser for display enhancement purposes, and (c) print a reasonable number of pages of the Website; provided in each case that you do not alter or remove any copyright or other proprietary notices included in such materials. Neither title nor any intellectual property rights to any information or material available on this Website are transferred to you, and remain with Global Atlantic or the applicable owner of such content. Except as expressly authorized by Global Atlantic in writing, you may not reproduce, sell, or exploit for any commercial purposes (i) any part of the Website, (ii) access to the Website, or (iii) use of the Website or of any services or materials available through the Website.

Trademarks

The term "Global Atlantic Financial Group" is a trademark and the Global Atlantic logo and all related product and service names, designs and slogans on our Website are trademarks of Global Atlantic or its affiliates. You may not use such marks without our prior written permission. All other names, brands, and marks not owned by Global Atlantic are used for identification purposes only and may be trademarks or registered trademarks of their respective owners.

Dealings with Third-Party Merchants | Links to Other Websites

The Website may contain links to other web sites and online services available on the Internet. Global Atlantic is not responsible for and does not endorse the content, products or services of any third-party websites, including, without limitation, third-party sites framed within this Website or third-party advertisements contained on the Website, and Global Atlantic does not make any representations regarding their quality, content or accuracy. Your use of third-party websites is at your own risk and subject to the terms and conditions of use for such third-party sites.

Privacy

Your use of this Website is also governed by our Privacy Policy, which can be found here. Our Privacy Policy describes how Global Atlantic and our partners collect, use, and share certain information when you use this Website. BY USING THIS WEBSITE, YOU ARE AGREEING TO OUR PRIVACY POLICY.

Insurance Quotes and Coverages

Not all insurance coverages or products available through the Website are available in all states and policy terms may vary based upon individual state requirements. Global Atlantic makes no representation that the insurance products and services available through the Website are appropriate or available for use outside of the states where Global Atlantic is currently selling insurance. If you access the Website from other locations, you hereby acknowledge and agree that you are viewing the products and services on the Website for general informational purposes only. All policy-related products and services available through the Website are subject to underwriting agreements.

All quotes generated on this Website, as applicable, are based on information you provided on the Website, as well as, in some cases, information we obtain from third parties. Quotes do not constitute a contract or an invitation to contract, or a binder or agreement to extend, continue or renew insurance coverage. The coverage descriptions provided in this Website are general descriptions of potentially available insurance coverage products and services and are not a statement of contract or an invitation to contract. To obtain insurance coverage (as applicable), you must complete all of the steps on this Website through the final application through this Website, a mobile app or otherwise. Applications are subject to underwriting review and approval.

Claims Submissions

If you file a claim under your policy, the information you submit and the loss are subject to review and verification. We reserve the right to request additional information before making a final decision on your claim. In some cases, a claim representative may contact you regarding your claim. In all cases, your claim is subject to the terms and conditions in your policy.

Agreement to Conduct Electronic Transactions

We are required by law to provide certain disclosures to you before you enter into a transaction electronically via the Website, as applicable. In addition, we need your consent to enter into such transactions before we can deliver, or authorize the delivery of, certain documents to you electronically. If you enter into a transaction with us via the Website, as applicable, you acknowledge that you have read our Electronic Document Disclosure and Consent form (which has been separately provided to you) and agree to the terms and conditions set forth therein.

Liability | Disclaimer of Warranties

Global Atlantic does not assume any liability for the materials, information and opinions provided on, or available through, the Website ("Site Content"). The Site Content is not and should not be construed as insurance advice. Reliance on the Site Content is solely at your own risk and Global Atlantic disclaims any liability for injury or damages resulting from the use of any Site Content. Any insurance purchasing conclusions and decisions, such as coverage amounts, limits and deductibles, are completely and solely the responsibility of the policy or contract owner. At the time of a claim, coverage will be determined in accordance with the terms and conditions of the applicable insurance policy and not the Site Content. Accordingly, you are encouraged to view/download a specimen of your actual policy documentation prior to making any purchase decision.

THE Website, THE SITE CONTENT AND THE PRODUCTS AND SERVICES PROVIDED ON OR AVAILABLE THROUGH THIS WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITH ALL FAULTS. NEITHER Global Atlantic NOR ANY PERSON ASSOCIATED WITH global atlantic MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE QUALITY, ACCURACY OR AVAILABILITY OF THE Website. SPECIFICALLY, BUT WITHOUT LIMITING THE FOREGOING, NEITHER global atlantic NOR ANYONE ASSOCIATED WITH global atlantic WARRANTS OR REPRESENTS THAT THE Website, THE SITE CONTENT OR THE SERVICES PROVIDED ON OR THROUGH THIS WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED; THAT DEFECTS WILL BE CORRECTED; THAT THE Website OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT THE Website WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

global atlantic DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. IN NO EVENT WILL global atlantic OR ITS LICENSORS OR CONTRACTORS BE LIABLE FOR ANY DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THe Website, THE SITE CONTENT, ANY SERVICES PROVIDED ON OR THROUGH THIS WEBSITE OR ANY LINKED SITE, INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY, LOST PROFITS OR DAMAGES RESULTING FROM DELAY, INTERRUPTION IN SERVICE, VIRUSES, DELETION OF FILES OR ELECTRONIC COMMUNICATIONS, OR ERRORS, OMISSIONS OR OTHER INACCURACIES IN THE Website OR THE SITE CONTENT, WHETHER OR NOT THERE IS NEGLIGENCE BY global ATLANTIC AND WHETHER OR NOT global atlantic HAS BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES.

APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN SUCH CASES, global atlantic’s LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

Governing Law

These Terms of Use shall be governed in all respects by and construed in accordance with the laws of the State of New York, without regard to its conflicts of law principles. These Terms of Use, as they may be amended from time to time, completely and exclusively state the agreement between you and Global Atlantic with respect to your use of the Website, and no other terms that may have been communicated to you orally or in any other manner shall have any force or effect. Exclusive jurisdiction over any cause of action arising out of these Terms of Use or your use of the website shall be in the state or federal courts located in the State of New York. You agree to submit to the jurisdiction of such courts.

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

Contact Us

If you have any questions or comments about these Terms of Use, please contact us.