Reliance Standard Life Insurance Company
First Reliance Standard Life Insurance Company
Reliance Standard Life Insurance Company of Texas

User Agreement and Disclaimers

By accessing and using this Web site, you agree to the terms and conditions of use and acknowledge your receipt and understanding of the disclaimers set forth on these pages. Therefore, you should read these pages carefully. They may be revised at any time without notice, and users will be bound by such revisions. It is advisable to periodically re-review these pages in connection with your future use of this Web site to determine whether any revisions have been made.

No Offer or Solicitation.

Product Terms and Conditions. The insurance products and services described herein are governed by the terms of policies or contracts which set forth the terms and conditions of any payments, services, benefits or coverage, as well as applicable exclusions, restrictions, limitations and/or reductions.

No Warranties. RELIANCE STANDARD and its affiliates makes no representations or warranties about the functionality of this Web site or any information, text or graphics contained herein, and such materials are provided on an "as is " basis. Although reasonable efforts have been made to ensure that the electronic information contained on this Web site is complete, accurate and timely, due to the nature of the Internet, we cannot guarantee that this information is complete, accurate and timely in all instances. Similarly, we cannot guarantee that this information is suitable for any purpose whatsoever. We assume no obligation to update any of the information contained on this Web site. All information is subject to change, without prior notice.

Linked Web Sites; Viruses. As a convenience, this Web site may provide links to other Web sites created and maintained by third parties. A link to another Web site does not mean that we endorse that site. We make no representations or warranties with respect to such Web sites and disclaim any responsibility for their content, accuracy, and/or timeliness. We cannot and do not guarantee or warrant that files available for downloading from this Web site or any linked Web site are free from viruses or other malfunctions. Because of the possibility of computer viruses being transmitted over the Internet, you should take steps to protect your computer from infection. It is your responsibility to review all downloaded materials received through the Internet, and we are not and will not be responsible or liable for any damage caused by any such infection.

User Transmissions. Unless otherwise specified herein, any information, inquiry or transmission received by RELIANCE STANDARD from a user of this Web site shall be treated by RELIANCE STANDARD as non-confidential and non-proprietary. You agree that RELIANCE STANDARD has the right to use any information for any purpose and in any manner deemed appropriate by RELIANCE STANDARD.

Under no circumstances shall RELIANCE STANDARD be liable to you or any other person for any damages (whether direct, incidental, indirect, consequential or punitive) that result from the use of or inability to use this Web site, whether or not RELIANCE STANDARD or its representatives have been advised of the possibility of such damages.

Access to Password Protected or Secure Areas. Access to and use of password protected, or secure areas of this Web site are restricted to authorized persons only. Any user who accesses or attempts to use or access such areas without authorization may be subject to civil and/or criminal action.

Property of RELIANCE STANDARD. This Web site is owned and operated by Reliance Standard Life Insurance Company. All trademarks, service marks, logos, materials and other information contained on this Web site are copyrighted by Reliance Standard Life Insurance Company or its affiliated companies and are the sole property of such companies. Except to the extent that this Web site is used in connection with the sale of RELIANCE STANDARD's insurance products or services through our authorized representatives, or in connection with the purchase of RELIANCE STANDARD's insurance products or services by a commercial entity, use of any information contained on this Web site by any person for other than personal, non-commercial purposes is strictly prohibited. Such information shall not be used for any other purpose, or copied, modified or distributed in any manner, without the express prior written consent of Reliance Standard Life Insurance Company.

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