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Terms & Conditions

Effective September 24, 2007

Introduction.

The following terms and conditions govern your use of this website FIC.Prudential.com. Your use of this website and Content (defined below) constitutes your acceptance of these terms and conditions. If you do not agree with these terms and conditions, you should immediately cease use of this website and Content.

This website presents information and content that is owned or licensed by Prudential Financial, Inc. and its subsidiaries and affiliates ("Prudential Financial"). When used in these Terms and Conditions, "we" and "our" mean Prudential Financial and "you" and "your" refers to any individual, company, or legal entity that accesses or otherwise uses this website.

Additional Terms.

Prudential Financial offers products and services available through portions of this website and other Prudential Financial websites. These terms and conditions apply only to your use of this website and Content, and they do not apply to your use of any products or services offered by Prudential Financial. We may have established or will establish additional or different terms and conditions for certain products and services. In many instances, our products or services involve sophisticated financial instruments or investments that are regulated by public authorities. You agree to review all applicable terms and conditions relating to Prudential Financial products and services. In the event of any conflict between the terms and conditions on this website and such additional terms and conditions, the additional terms and conditions shall govern and control. Further, if you have a policy or account with Prudential Financial, your customer relationship is also governed by other agreements, such as your policy or account agreement, as applicable. In the event of any conflict between the terms and conditions on this website and such policy or account agreements, your policy and account agreements shall govern and control.

You should consult your financial and legal advisors, and independently verify all Content provided through this website before you make any decision. Nothing on this website should be construed as rendering tax, legal, investment, or accounting advice.

Ownership and Use of Content.

All of the information and content on this website, including, but not limited to, all text, analyses, reports, articles, graphics, software applications, video and audio files and photos, trademarks, service marks and trade dress ("Content") is owned or licensed by Prudential Financial. The Content is protected worldwide by applicable intellectual property laws. You may make and use printouts of the Content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark, and other proprietary notices. Prudential Financial reserves the right to terminate at any time your right to make personal copies of Content. You must obtain Prudential Financials prior written consent (if we agree) before you use the Content on any other website or in a networked computer environment for any purpose, or before you republish or redistribute the Content, or otherwise use the Content for any purpose other than your personal, non-commercial use. You may not frame the Content within another website. Except for the limited use rights expressly provided in this paragraph, all rights in Content are reserved.

Prudential, PRU, PruTrade, the Rock Logo, Prudential Financial, the Prudential Rock Financial logo, Growing and Protecting Your Wealth, Rock Solid, Rock Solid Retirement, The Rock, and The Retirement Red Zone are service marks of The Prudential Insurance Company of America. Other proprietary Prudential Financial marks may be designated as such from time to time on this website through use of the SM or ® symbols. Except when included in any authorized printouts of the Content, you are not authorized to make any other use of Prudential Financial marks, including, but not limited to, as metatags or in any other fashion that may create a false or misleading impression of affiliation or sponsorship with or by Prudential Financial.

Links.

We do not endorse any third party websites not under the control or operation of Prudential Financial. We have not reviewed any or all such sites that may be linked to this website and we are not responsible for any such websites linked to this website. Your linking to any websites from this website is at your own risk. By linking to a website or permitting a link to this website, Prudential Financial does not endorse the website operator or the content of the linked website. Subject to the terms of applicable service or other agreements, we will remove any link from this website upon request from the owner of the linked website. Please call our operations department at 973-802-2269 to submit such a request.

Availability.

Not all of the products or services described on this website are available in all areas of the United States and/or you may not be eligible for them. We reserve the right to determine eligibility.

NO WARRANTY.

Your use of this website and Content is at your own risk. We strive to provide accurate and up-to-date material on this website. However, we make no warranties or representations as to the accuracy or timeliness of the Content. Content may become inaccurate as a result of developments after its publication on this website. Prudential Financial assumes no responsibility to keep Content current or to correct inaccuracies or errors in Content. The Content on this website and the operation of it are provided "as is" and Prudential Financial disclaims all representations or warranties of any kind, either express or implied, including warranties of merchantability, fitness for particular purpose, title, non-infringement, accuracy, completeness, and timeliness. Certain jurisdictions may not permit certain disclaimers of warranties. In such case, we disclaim warranties to the fullest extent permitted by the applicable law.

Your Responsibility for Security.

Prudential Financial assumes no liability or responsibility for any damages to you, your computer, or other property due to your access to, use of, or downloading of Content. If you download or copy Content from this website, you are responsible for taking all reasonable precautions necessary to ensure the security and integrity of your computer and systems, including employing virus protection software.

NO LIABILITY.

Neither Prudential Financial, any of its agents, nor any other party involved in creating, producing, or delivering this website or Content is liable for any direct, incidental, consequential, indirect, lost profits, loss of business or data, or punitive damages arising out of your access to, or use of, this website or any Content.

Additional Information.

All information, other than personal information subject to Prudential Financial's Internet Privacy Policy, submitted to Prudential Financial through this website or any related Prudential Financial website is the property of Prudential Financial. Prudential Financial is free to use any ideas, concepts, know-how or techniques that you may submit to Prudential Financial through this website for any purpose, including but not limited to, improving our services. We are not subject to any obligations of confidentiality regarding any submitted information except as specified in Prudential Financial's Internet Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

Changes.

Prudential Financial reserves the right to change the Content on this website and these Terms and Conditions from time to time at any time without prior notice. The changes may include superseding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE. Your continued use of this website constitutes your acceptance of any change or update, all of which shall become controlling when posted.

Privacy.

You may review Prudential Financial's Internet Privacy Statement at http://www.prudential.com/privacy Opens in new window.

Children.

This website does not intend to market any Prudential Financial products or services to children under thirteen (13) years of age. Prudential Financial does not knowingly gather or solicit data from children under thirteen (13) years of age through this website for marketing purposes. By using this website you represent that you are not under thirteen (13) years of age.

Cautionary Language Regarding Forward-Looking Statements.

All Content, together with information filed and furnished with the Securities and Exchange Commission and any oral information provided by Prudential Financial executives that relates to Prudential Financial's future performance or financial results are considered forward-looking statements. These forward-looking statements involve uncertainties that could cause actual performance or results to materially differ, and readers are cautioned not to place undue reliance on them. All forward-looking statements should be read in conjunction with the additional information about risks and uncertainties set forth in our Securities and Exchange Commission reports, including our annual report on Form 10-K for the most recently ended reportable year.

Governing Law.

These Terms and Conditions shall be governed by, and construed in accordance with, the laws of the United States and the State of New Jersey, without giving effect to conflict of law principles thereof.

United States Only

. The services and products described and information provided through this website are directed to and are intended to be made available only to persons in the United States and are not intended for distribution to, or use by, any person in any other country or any jurisdiction where such distribution or use would be contrary to law or regulation or that would subject Prudential Financial to any registration requirement within such jurisdiction or country. Persons outside the United States can gain access to our international websites at http://www.prudential.com/globalpresence/ Opens in new window. Persons who access this website do so on their own initiative, and are responsible for compliance with applicable local laws and regulations. Software and other materials from this website may be subject to export controls imposed by the United States and may not be downloaded or otherwise exported to any country or anyone prohibited by law. Prudential Financial prohibits your downloading or exporting of software or other material from this website in violation of U.S. Export Laws and the laws of your resident country. By downloading software or other material from this website, you represent and warrant that you are able to do so in full compliance with the laws of the United States and your resident country.


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