The Equitable Life Insurance Company of Canada ("Equitable Life") would like to express its thanks to all those who visit this Website. However, please be aware of the following terms and conditions of using this Site. If you do not agree with them, please exit this Site. Each time you use this Site you indicate your acceptance of the terms and conditions set out under "Legal and Privacy".

The contents of this Site, including the manner in which the contents are displayed, are the sole property of Equitable Life or of its licensors. Except as set out below, you are not granted any rights in or to the contents made available on or via the Site or in or to the Site itself. All such rights remain with, and are reserved by, Equitable Life or their respective owners.

Equitable Life grants you a limited licence to: (i) display the contents of this Site on your computer, or other electronic device used to access this Site; and (ii) print, download and use the contents on this Site solely for informational purposes; provided that the Site contents are not modified in any way and that all existing copyright and other notices are displayed. You agree not to, or allow others to, directly or indirectly, attempt to or actually disrupt, impair or interfere with, alter or modify this Site or any of its contents.

The information provided on this Site is intended to familiarize you with Equitable Life, and to identify the markets to which our products and services are currently directed. It is not a detailed description of our products and services.

Equitable Life expressly disclaims all representations, warranties or conditions, express or implied, statutory or otherwise, including, without limitation, the warranties and conditions of merchantable quality and fitness for a particular purpose, non-infringement, compatibility, timeliness, security or accuracy, and any representations, warranties or conditions that may arise from a course of dealing or usage of trade.

All information provided on this Site, including the terms and conditions presented under "Legal and Privacy", is subject to change without notice. You should, therefore, review this "Legal and Privacy" page each time you visit this Site to inform yourself of any changes. If you do not agree with any changes, please exit this Site. Your continued use of this Website after Equitable Life has made any changes to this "Legal and Privacy" page is deemed to constitute your acceptance of such changes.

This Site does not, and is not intended to provide any legal, financial, accounting, insurance or tax advice and should not be relied upon by you for such advice. You should secure advice from your own professional advisors. Any medical information provided on or through this Site, either by Equitable Life or directly, or indirectly, through an independent service provider contracted by Equitable Life, including any and all information, content, links, graphics, interfaces, web pages, text, files, software, product names, company names, trademarks, logos, tradenames, or other materials contained on the Site (collectively, the "Medical Content") is provided for informational use only and is not intended to be used or relied upon for any diagnostic or treatment purposes. The Medical Content should not be used as a substitute for professional medical diagnosis and treatment, nor does it create any patient-physician relationship between you and Equitable Life, any Equitable Life affiliate nor any independent service provider contracted by Equitable Life. You should consult your health care professional before making any health care decisions or for guidance about a specific medical condition. Never disregard professional medical or health advice or delay in seeking such advice because of some or all of the Medical Content you have read on this Site. If you think you may have a medical emergency, call your doctor or 911 immediately.

Your use of this Site is entirely at your own risk. Neither Equitable Life, nor any of its affiliated companies, nor their officers, directors, employees or agents, nor any other person associated with the creation and/or maintenance of this Site or its contents shall be responsible to any person for any harm, loss or damage (including any loss of data or damage to your computer system), however caused, that may arise from your use of the Site or its contents, or the unavailability of the Site for your use, including, without limitation, any direct, indirect, special, third party, or consequential damages, even if it or they have been advised of the possibility of such harm, loss or damage. Without limiting the foregoing, Equitable Life shall not be responsible for any detrimental reliance that you may place upon this Site, or its contents, including the Medical Content defined above. By accessing and using this Site, you assume the risk that the information and documentation presented may not meet you needs and requirements and that, particularly in the medical and health/wellness areas of websites provided by Equitable Life and accessed through this Site, such information and documentation may be offensive to some.

If Equitable Life provides you with any user name and pass phrase to access any secure area of this Site, you agree to keep such user name and pass phrase strictly confidential and not to disclose the user name and pass phrase to any other person or entity. You agree to be liable for all uses of your user name and pass phrase, including unauthorized use without your consent, and you acknowledge that Equitable Life shall not be responsible for confirming the identity of any user. You agree to notify Equitable Life immediately of the loss or unauthorized use of your user name and pass phrase. Equitable Life has the right to restrict or cancel your access to any part or parts of this Site, including any website made accessible to you through this Site, where access is controlled by login information and/or pass phrases provided by Equitable Life at any time, with or without notice.

The limitations expressed above shall apply to your use of this Site regardless of the causes or circumstances giving rise to the claim, even if such claim is based on breach of contract, negligence or other tort, and shall survive a fundamental breach or failure of essential purpose of any limited remedy or these terms and conditions. You acknowledge and agree that any claim or cause of action you may have arising out of, or relating to, the the Site must be filed within one (1) year after such claim or cause of action arises, or it will be permanently barred.

Equitable Life, its affiliates and its contracted service providers for the Site, or for websites accessible through the Site, may use "cookies" to facilitate your online experience or to provide you with access to the Site. A "cookie" is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or to deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. One of the primary purposes of cookies is to ensure that you are authorized to use this Site. Encrypted cookies, which contain your life insurance policy and certificate number, may be used for the purposes of authenticating your identity and providing you with access to this Site, or to any other website provided by Equitable Life through this Site. Your ability to access this Site, or any other website provided through this Site, may be limited should your computer not accept these encrypted cookies.

Certain secure areas of the Site may contain electronic forms or documents ("E-Documents") which may be completed and submitted electronically to Equitable Life in connection with the underwriting, servicing, administration, claims processing and adjudication of Equitable Life products and services. In completing and submitting E-Documents to Equitable Life, you agree that E-Documents are the equivalent of written, paper versions of the documents and that your electronic activation of "I agree", "Submit", "OK", "Continue" or similar commands in response to online instructions has the same legal effect as if you had signed and delivered paper versions of the E- Documents to Equitable Life.

All information provided on this Site is used for the business purposes of Equitable Life. You agree that the Internet is not a secure medium, privacy cannot be ensured and security and/or confidentiality over the Internet are not guaranteed. Without limiting any other disclaimer contained under "Legal and Privacy", Equitable Life, and its affiliated companies, shall not be responsible for any loss or damages you may incur as a result of your communicating confidential and/or personal information to us over the Internet or of our communicating, at your request, confidential and/or personal information to you over the Internet. Please read our Privacy literature for information about our privacy practices.

Certain information on this Site relating to segregated funds and underlying mutual funds may be provided by third parties. Without limiting any other disclaimer contained under "Legal and Privacy", neither Equitable Life, nor its affiliated companies will be responsible for any errors in this information, or for any loss or damages to any person caused by reliance on this information.

Hypertext links appearing in this Site to other worldwide websites are provided solely as a convenience to you. Hypertext links may appear on other worldwide websites and direct users to this Site. Equitable Life does not endorse, nor is it responsible for, the contents or accuracy of any linked third party website.

You agree that you will not use, or permit anyone else to use, any robot, scraper, spider or other automated devices or means to access or use the Site for any purpose without the prior expressed written consent of Equitable Life. You agree that you will not: (i) interfere or attempt to interfere with the proper working of the Site; (ii) bypass any measures used to prevent or restrict access to the Site; or (iii) take any action that imposes an unreasonable or disproportionately large load on the infrastructure used to run and maintain the Site.

This Site may contain tools and/or programs developed by others and housed on a third party server or website. While accessing this Site, you may be linked to such third party server or website. Your use of third party tools and/or programs, whether on this Site or on an independent website developed by others, remains subject to the conditions set out in this "Legal" section as well as any conditions imposed by the third party once linked to such server or website.

All products or services described on this Site shall be subject to the terms and conditions set forth in any applicable agreements, contracts and policies and are available and intended for sale and distribution only in Canada. This Site is not intended to solicit business from people who reside outside of Canada. Please note that not all Equitable Life products and services are available in all geographic regions of Canada. The information provided on this Site is not intended to be an offer to buy, sell or solicit the buying or selling of the products or services described on this Site.

The laws of the Province of Ontario and the federal laws of Canada applicable therein, without reference to conflict of laws principles shall govern any use of this Site. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Ontario in any action or proceeding instituted in respect of your use of this Site.

Names, phrases, logos, icons, graphics, images or designs used throughout the Site may be trade names, registered or unregistered trademarks or services marks (collectively "Trademarks") of Equitable Life or its affiliates or of their respective owners or their affiliates, or parties associated with Equitable Life. The display of Trademarks on this Site is not an implied licence to any third party for use of the Trademarks.

If any of these terms and conditions are determined to be invalid or unenforceable in whole or in part, such invalidity or unenforceability attaches only to such term or condition and all other terms and conditions shall continue in full force and effect.

© 1999 - 2014 The Equitable Life Insurance Company of Canada. All rights reserved.