Terms and Conditions

These Terms of Use state the terms and conditions regarding your use of palig.com as well as any other affiliated websites, digital services, or applications (collectively referred to as the “Website”), and includes information about Pan‑American Life Insurance Group, Inc. its affiliates, and subsidiaries (collectively, “PALIG”). Please read these Terms of Use carefully before you start to use the Website. By using or viewing the systems or materials on any sites linking to these Terms of Use, you accept and agree to be bound and abide by these Terms of Use. If you do not wish to agree to these Terms of Use, please leave this Website.

PALIG may revise and update these Terms of Use from time to time in our sole discretion and without prior notice. All changes are effective immediately when we post them and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes.

The products, services, and information contained on this Website have been prepared for informational purposes only and are not intended to constitute a solicitation or offer for sale, unless specifically indicated otherwise. Some products and services listed may not be available in all jurisdictions.

The Website and its content and functionality (including but not limited to all information, displays, images, video and audio, and the design and arrangement thereof) are owned by PALIG, its licensors or other providers of the content and functionality, and are protected by copyright, trademark, and other intellectual property or proprietary rights laws.

All service marks, logos, product and service names, slogans, and designs located on the Website are the intellectual property of PALIG unless otherwise indicated.

Removal or reproduction, by any means, of any content and functionality, service marks, logos, product and service names, slogans, or the name of PALIG is expressly prohibited without the prior written consent of PALIG.

YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY PRODUCTS, SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY PRODUCTS, SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER PALIG NOR ANY PERSON ASSOCIATED WITH PALIG MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER PALIG NOR ANYONE ASSOCIATED WITH PALIG REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY PRODUCTS, SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR‑FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY PRODUCTS, SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

THE WEBSITE, ITS CONTENT, AND OTHER INFORMATION ON THIS WEBSITE HAVE BEEN PREPARED FOR INFORMATIONAL PURPOSES ONLY AND IS NOT INTENDED TO PROVIDE PERSONAL OR FINANCIAL ADVICE. YOU SHOULD CONSULT YOUR OWN PROFESSIONAL ADVISOR WITH RESPECT TO YOUR PERSONAL SITUATION.

TO THE FULLEST EXTENT PROVIDED BY LAW, PALIG HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON‑INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL PALIG, ITS AFFILIATES OR SUBSIDIARIES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

You agree to defend, indemnify, and hold harmless PALIG, its affiliates and subsidiaries, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Website, including, but not limited to any use of the Website’s content, services, and products other than as expressly authorized in these Terms of Use, or your use of any information obtained from the Website.

If the Website contains links to other sites provided by third parties, these links are provided for your convenience only. PALIG has no control over the contents of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third‑party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

These Terms of Use apply to your use of this Website and do not change or alter any other agreement between you and PALIG.

PALIG may update the content on this Website from time to time, but its content is not necessarily complete or up‑to‑date. Any of the material on the Website may be out of date at any given time, and PALIG is under no obligation to update such material.

These Terms of Use shall be governed by and interpreted according to the laws of the State of Louisiana without respect to any conflict of law’s provisions.

These Terms of Use constitute the entire agreement between us with respect to the subject matter addressed herein and govern your use of the Website. These Terms of Use supersede all prior understandings or agreements between us relating to such subject matter. If any portion of these Terms of Use is unlawful, void or unenforceable, it shall not affect the validity or enforceability of any other provision.

You are provided with the following information in compliance with state insurance laws requiring disclosure of the states where an insurer is authorized to transact insurance business, in addition to information regarding the insurance company’s state of domicile, NAIC code number, and principal place of business.