Terms of Use

By using this site, you agree to the following terms:

Information on This Website

The information contained on this site does not constitute an offer or solicitation for the sale of any security, insurance product or any other product or service by The Phoenix Company's Inc. or its subsidiaries (collectively, Phoenix). Content is provided for informational purposes and should not be construed as a substitute for legal or financial advice from a professional advisor.

Restrictions on Use

Your use of the materials on this site, including content, documents, products, software, graphics and text, and all software, design, programming techniques and documentation used to operate and support the site, is subject to these terms. You may download material displayed on this site to your personal computer and you may print one copy of the information contained on this site solely for your own personal use provided you do not remove any copyright, trademark or other proprietary notices contained on the materials. Except as authorized in writing by Phoenix, no materials from this site or any Web site owned, operated, licensed or controlled by Phoenix may be copied, reproduced, duplicated, republished, uploaded, posted, transmitted, hyperlinked or distributed in any way.

Where We Are Authorized To Conduct Business

Not all Phoenix subsidiaries are authorized to do business in every state or country. In addition, the products and services described on this site may not be available in all states or countries. Check with your professional advisor for product availability.

Insurance and annuities are issued by Phoenix Life Insurance Company (East Greenbush, NY) and its insurance subsidiaries: PHL Variable Insurance Company (PHLVIC) (Hartford, CT) and Phoenix Life and Annuity Company (PLAC) (Hartford, CT).

PHLVIC is not authorized to conduct business in NY or ME.

PLAC is not authorized to conduct business in CA, GA, MA, ME, MN, NH, NJ, NY and WY.

The insurers referenced above are separate entities and each is responsible only for its own financial condition and contractual obligations.

Securities are distributed by 1851 Securities, Inc., P.O. Box 5056, Hartford, CT 06012-5056.

Our Privacy Policy

Phoenix is firmly committed to maintaining the privacy of all visitors to our site. For more information, see our Privacy Policy.

Modification of This Site and Materials

Phoenix may, at any time and for any reason, stop making this site available and/or remove and discard any materials within it. Further, Phoenix shall not be liable to you or any third party for any modification, suspension or discontinuance of the site.

Links

This site may provide, or third parties may provide, links to other websites or resources. Phoenix has no control over such sites and resources, is not responsible for their availability, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from them. Phoenix 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 use of such sites or resources. Your use of such sites or resources shall be subject to the terms and conditions set forth by them.

Phoenix's Proprietary Rights

All rights, title and interests in and to the site and its materials, including, but not limited to, all patent rights, copyrights, trade secrets, trademarks, site marks and other inherent proprietary rights, are retained by Phoenix or its licensors. Except as expressly authorized by Phoenix herein, you agree not to make, copy, display, modify, rent, lease, license, loan, sell, distribute or create derivative works of the site or its materials in whole or in part. Any modification of the site or its materials for any purpose is in violation of these terms.

Trademark Information

The Phoenix Marks, including, but not limited to, The Phoenix Company's Inc., Phoenix, and the lighthouse design logo marks, are registered trademarks and service marks of Phoenix. The Phoenix Marks may not be displayed or otherwise used in any manner without the prior written consent of Phoenix. All other trademarks not owned by Phoenix that appear on this site are the property of their respective owners.

Disclaimer of Warranties

This site and its materials are provided "as is" and "as available" and without warranties of any kind, either express or implied, including, but not limited to, implied warranties of accuracy, completeness, noninfringement, merchantability and fitness for a particular purpose, including, without limitation, whether any insurance or other product described on the site is appropriate to meet your needs.

Without limitation of the foregoing, Phoenix makes no warranty that (i) the site will meet your requirements; (ii) the site will be uninterrupted, timely, secure, or error-free; (iii) the results that may be obtained from use of the site will be accurate or reliable; (iv) the quality of any products, sites, information, or other material obtained by you through the site will meet your expectations; or (v) any errors in the site will be corrected.

Any material viewed, downloaded or otherwise obtained through the use of the site is done solely at your own discretion and risk, and you will be solely responsible for any damage to your computer system or loss of data that results from the viewing or download of any such material.

No information provided to you through this site shall be the basis for any warranty between you and Phoenix.

Limitations of Liability

Phoenix and its officers, directors, employees, consultants and contractors shall not be liable for any damages, losses, costs or injuries suffered as a result of or in relation to this site or its materials, your use of either of the foregoing, or your breach of these terms or restrictions. In no event shall Phoenix be liable for any indirect, punitive, special, incidental, or consequential damages (including, without limitation, loss of sales, business, revenue, profit, use, data or other economic advantage), however it arises, whether for breach of contract or in tort, even if Phoenix has been advised of the possibility of such damages. In no event shall Phoenix be liable to you for damages greater than $50 in aggregate.

Indemnification

You shall indemnify, defend and hold Phoenix harmless from and against all claims, actions, liabilities, damages, losses, debts, costs and expenses, including, without limitation, reasonable attorneys' fees, arising out of or relating to (i) your use or modification of this site or its materials; (ii) any information content or materials submitted or provided by you; or (iii) your breach of any of these terms or restrictions.

Submissions

To avoid any misunderstandings as to ownership or compensation, this site should not be used to submit ideas, suggestions or materials (collectively, submissions) to Phoenix. Employees, consultants and other representatives of Phoenix have many creative ideas of their own, some of which may be similar to your submissions. In addition, while you may believe that your submissions are novel or unique, it is possible that they are otherwise known by Phoenix or within the financial or other industries. If, despite our request, you submit any submissions to Phoenix via this site, such submissions shall become the property of Phoenix and you hereby assign to Phoenix, without further consideration, all of your rights, title and interests in and to the same, including, without limitation, any pertinent copyright, trade secret, patent and any other intellectual property rights. Any additional or different terms of ownership or use submitted by you in connection with any such submission shall be void. In addition, Phoenix shall be under no obligation of confidence with respect to any such submission and shall not be liable for any use or disclosure of the same.

Copyright and Copyright Agents

Phoenix respects the intellectual property of others, and we ask our users to do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide Phoenix's Copyright Agent the following information:

• An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
• A description of the copyrighted work that you claim has been infringed;
• A description of where the material that you claim is infringing is located on the site;
• Your address, telephone number and email address;
• A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law;
• A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

Phoenix's Copyright Agent for notice of claims of copyright infringement on its site is:

Compliance Officer
The Phoenix Companies, Inc.
One American Row
P.O. Box 5056
Hartford, CT 06102-5056

General Information

You also may be subject to additional terms and conditions that may apply when you use subsidiaries' sites, third-party content or third-party software. These terms and the relationship between you and Phoenix shall be governed by the laws of the State of Connecticut and controlling United States federal law without regard to conflict of law provisions. The failure of Phoenix to exercise or enforce any right or provision of these terms shall not constitute a waiver of such right or provision. If any provision of these terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and that the other provisions of these terms shall remain in full force and effect.

The section titles included in this statement are for convenience only and have no legal or contractual effect.

Changes to Terms

Phoenix reserves the right, in its sole discretion at any time, to change, modify, add to or delete portions of these terms and/or the Privacy Policy. You are bound by any such revisions and should periodically visit this page to review the most recent terms. Your continuing use of this site following the posting of any such changes, modifications, additions or deletions shall constitute your acceptance of and assent to the same. If you decide to purchase insurance or other Phoenix products or services that are referred to on the site, the terms and conditions specified in the applicable policy or other agreement with Phoenix will apply.