Terms of service

Legal Information and Terms of Use

Please carefully read this notice before you use this web site. This web site is provided by Wonbrella Insurance Company and may be used for informational purposes only. By using this web site or downloading materials from it, you agree to abide by the following terms and conditions. If you do not agree with the following conditions of use, please exit this web site.

Your Acceptance of Terms

By linking, referencing, using, or accessing web sites of Wonbrella Insurance Company and its affiliates and subsidiaries, you agree to these Terms of Use, including agreeing to indemnify and hold harmless Wonbrella Insurance Company from all claims of any nature. These Terms of Use may be changed at any time at the sole discretion of Wonbrella Insurance Company.

Product Issuers and Distributors

Wonbrella Insurance Company and its affiliates and subsidiaries are a diversified group of insurance and financial services companies providing a variety of products and services. Life insurance, annuities, and group dental, vision, and hearing insurance products are issued by Wonbrella Insurance Company in all states, except New York. Certain life insurance, annuities, group dental, vision, and hearing care insurance products are issued by Wonbrella Insurance Corp. of New York in New York. Variable products are underwritten by Wonbrella Investment Company, LLC, member FINRA/SIPC. Investment products are available through Wonbrella Investment Company, LLC. Investment advisory services are available through Wonbrella Advisory Services, LLC.

Privacy

All personal information is subject to the Privacy Policies of Wonbrella Insurance Company. The Privacy Notices summarizing the policies may be accessed by clicking on the Privacy Policy link at the bottom of any page on this website.

No Legal or Investment Advice; Calculators/calculations

Content found on Wonbrella Insurance Company and its affiliates' web sites should not be construed to be legal or investment advice. Users are responsible for obtaining their own competent legal and investment advice from qualified professionals at their expense. Retirement and/or financial calculators/calculations provided within these web sites are solely for estimating hypothetical future financial or retirement status. Users are responsible for the accuracy of any estimates and should not rely solely on these calculators. Seek advice from qualified providers before making any investment or retirement decisions.

Products and Services Information

Products and services are offered through Wonbrella Insurance Company and its affiliates. Not all products and services described are available in all states of the USA or elsewhere in the world. Annuities, insurance, retirement plans, mutual funds, and other securities are not insured by the FDIC and involve risk, including the possible loss of principal invested. The product information contained on this Web site has been prepared for informational purposes only and is not intended to constitute a solicitation or offer for sale. For further information, please contact Wonbrella Insurance Company or the affiliate offering the product, or your agent or representative through whom the product may be purchased, for detailed information about the product’s benefits, costs, risks, and suitability for your specific needs.

Links to Other Web Sites – Limitation of Liability

Wonbrella Insurance Company may provide, for your convenience and information only, links to other Internet Web sites. Because Wonbrella Insurance Company does not have control over these sites, you agree that Wonbrella Insurance Company and its affiliates are not responsible for any liability resulting from the access or use of sites not owned by Wonbrella Insurance Company, and Wonbrella Insurance Company is not responsible for any content, advertising, product, or any other matter or issue available through other Internet Web sites, whether linked to or from web sites of Wonbrella Insurance Company and its affiliates. Further, you agree that Wonbrella Insurance Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of web sites Wonbrella Insurance Company and its affiliates own.

Indemnification

By linking, referencing, using, or accessing web sites of Wonbrella Insurance Company and its affiliates, you agree to these Terms of Use, including agreeing to defend, indemnify, and hold harmless Wonbrella Insurance Company and its affiliates, their officers, directors, employees, agents, registered representatives, licensors, suppliers, and any other third party, without limitation, against all losses, expenses, damages, and costs, including reasonable attorneys’ fees, resulting from any violation of these “Terms of Use.”

This Web Site – Disclaimer of Warranty and Limitation of Liability

USE OF THIS SITE IS ENTIRELY AT YOUR OWN RISK. THE SITE AND MATERIALS ARE PROVIDED “AS IS.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WONBRELLA INSURANCE COMPANY AND ITS AFFILIATES AND SUBSIDIARIES DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, EVEN IF WONBRELLA INSURANCE COMPANY AND ITS AFFILIATES AND SUBSIDIARIES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. UNDER NO CIRCUMSTANCES SHALL WONBRELLA INSURANCE COMPANY AND ITS AFFILIATES AND SUBSIDIARIES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING FROM VIRUSES, WORMS, TROJAN HORSES, OR OTHER CODE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES OR YOUR REFERENCING, USING, ACCESSING, INABILITY TO USE OR ACCESS, OR LINKING TO OR FROM THE WEB SITES OF WONBRELLA INSURANCE COMPANY AND ITS AFFILIATES AND SUBSIDIARIES OR ANY ERRORS OR OMISSIONS IN THE CONTENT THEREOF.

Governing Law; Severability

Some jurisdictions may not allow the exclusion of certain warranties or the limitation or exclusion of liability for consequential or incidental damages. If so, the liability of Wonbrella Insurance Company and its affiliates is limited to the greatest extent permitted by law.

Copyright and Proprietary Rights in Marks, Logos, and Materials

Materials and intellectual property found on web sites of Wonbrella Insurance Company and its affiliates are protected by copyright and other intellectual property laws and treaties in the United States and worldwide. Trademarks, service marks, and logos used on web sites of Wonbrella Insurance Company and its affiliates are registered and unregistered trademarks, subject to the laws of the United States and other countries worldwide. Trademarks, service marks, and logos used on these web sites that have been provided by others are the property of their respective owners. You may not copy, modify, store, transmit, reproduce, or distribute any part of the information or content of or trademarks, service marks, or logos used on these web sites without the specific written consent of Wonbrella Insurance Company or their respective owners. If you would like to link to any Web site of Wonbrella Insurance Company or an affiliate or use its logos on your site, please contact us at marketingcommunications@wonbrella.com.

Proprietary Marks and Logos

The entire content of this Web site, including all text, graphics, images, photos, video, audio, logos, other material, and the arrangement of such content, is