TERMS OF USE AGREEMENT & DISCLAIMER

Terms and Conditions of Use

By using the TIME website you agree to its Terms and Conditions of Use stated below.

Browsers

TIME, a Crump company, is dedicated to supporting the latest technologies, as well as to providing service to our customers with the most recent, top-level software. We currently support the following browsers* on Windows or Apple Operating Systems:

  • Internet Explorer 7.0
  • Mozilla / Firefox 2

*(Please ensure you install a version listed above to ensure compatibility with our websites.)

Encryption

One of the main factors in determining our standard is the ability of the browser to maintain a high level of security. This is primarily reflected in its encryption code. To ensure the security of valuable and personal information, users may only access our site using a browser equipped with 128-bit encryption or higher.

Content of Materials

The materials on this website have protected information. This means it cannot be used or copied without the owner’s written consent. In most cases the owner is TIME. In some cases the owner is a third party.

TIME cannot promise that third party content on this website is correct.

These Terms do not apply to content already in the public domain. Content in the public domain is information that you can find in other places.

Fraud and Abuse

You agree that you will not use the website and its content to break any laws. This includes fraud and abuse laws.

Free from Fault

You agree not to make any claim against TIME and its staff. This includes third party lawyers' fees that might result from your use of this website. It also includes any rights of a third party or laws you might break in using this website.

The Digital Millennium Copyright Act

TIME reserves the right, but not the obligation, to terminate your access to our site(s) if it determines in its sole and absolute discretion that you are involved in infringement activity, including alleged acts of first-time or repeat infringement, regardless of whether the material or activity is ultimately determined to be infringement. 

TIME and its service providers accommodate and do not interfere with standard technical measures used by copyright owners to protect materials. TIME has implemented procedures for receiving written notification of claimed infringements and for processing such claims in accordance with the Act. Our designated agent to receive notification of claimed infringement is: 

TIME

c/o Crump Life Insurance Services

105 Eisenhower Parkway, 4th Floor

Roseland, NJ 07068

Or via email to:  Marketing@Crump.com

Any notice regarding any infringement of copyright or of other proprietary rights must include the following information:

  • A signature of a person authorized to act on behalf of (i) the owner of an exclusive right that is allegedly infringed or (ii) the person defamed.
  • Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site.
  • Identification of the material that is claimed to be infringement, or to be the subject of infringement activity, including information reasonably sufficient to permit us to locate the material.
  • Information reasonably sufficient to permit us to contact you, such as your address, telephone number, and/or electronic mail address.
  • A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright or other proprietary right owner, its agent, or the law.

If you choose to access our site(s) from outside the United States you do so upon your own initiative and are responsible for compliance with U.S. and local laws, if and to the extent that local laws are applicable. Software is subject to United States export controls. No software may be downloaded or otherwise exported or re-exported (i) into (or to a national resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country to which the U.S. has embargoed goods, or (ii) to anyone on the U.S. Treasury Department list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders. You represent and warrant that you are not located in, under the control of, or a national resident of any such country or on any such list. You agree to comply with U.S. export control laws and that you will not transfer any software or other content from our site(s) to a foreign national or foreign country in violation of those laws.

Product Descriptions – Not Available in all States

The product descriptions, if any, provided on our site(s) are not intended to constitute offers to sell or solicitations in connection with any products or services. Some products may not be available in all jurisdictions or may not be available to all financial professionals. Anyone interested in a particular product should contact the appropriate TIME division to determine whether the product is available in the particular jurisdiction of interest and to request a copy of the applicable policy or prospectus for a complete description of the product.

Links to Other Sites

This website may contain links to third party sites. Access to any other Internet site linked to this website is at the user's own risk and TIME is not responsible for the accuracy or reliability of any information, data, opinions, advice or statements made on these sites. TIME provides these links merely as a convenience and does not endorse the companies or contents of any linked sites. 

Trademarks and Copyrights

The materials on this website are copyrighted and protected by worldwide copyright laws and treaty provisions. Any unauthorized use of these materials may violate copyright, trademark and other laws. Materials on this website may not be copied, reproduced, modified, published, uploaded, posted, transmitted, or distributed in any way without the prior written permission of TIME. Except as expressly provided, TIME does not grant any express or implied right to you under any patents, copyrights, trademarks, or trade secrets.

 

No Warranties

 

Although TIME has attempted to provide accurate information on this website, it assumes no responsibility for the accuracy of the information. TIME makes no representations or warranties on this website with respect to its product or service offerings. Information regarding products or services offerings contained on this website, including but not limited to information regarding features and benefits, technical information or other similar information contained in documentation available on or from this website, shall not be incorporated or integrated into any TIME warranty or other contractual right, privilege or obligations otherwise provided under the terms of any agreement with TIME. TIME may make changes to the materials or products described in this website at any time, without notice. TIME makes no commitment to update these materials.

 

ALL INFORMATION PROVIDED ON THIS WEBSITE IS PROVIDED TO YOU ON AN "AS IS" BASIS, WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. TIME MAKES NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF ANY CONTENT AVAILABLE THROUGH THIS WEBSITE. YOU ARE RESPONSIBLE FOR VERIFYING ANY INFORMATION BEFORE RELYING ON IT. USE OF THE WEBSITE AND THE CONTENT AVAILABLE ON THE WEBSITE IS AT YOUR SOLE RISK. TIME MAKES NO REPRESENTATIONS OR WARRANTIES THAT USE OF THE WEBSITE WILL BE SECURE, UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY OBTAIN FROM THE WEBSITE IS FREE OF VIRUSES.

 

Limitation of Liability

 

COMPANY SPECIFICALLY DISCLAIMS ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO OR USE OF THE WEBSITE, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING BUT NOT LIMITED TO RELIANCE BY ANY PARTY ON ANY CONTENT OBTAINED THROUGH THE USE OF THIS WEBSITE, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF OR UNAUTHORIZED ACCESS TO THE WEBSITE, OR RELATED INFORMATION OR PROGRAMS.

 

E-mail

 

Email submissions over the Internet may not be secure. Please consider this fact before emailing any personal or confidential information.

Minors and the Children's Online Privacy Protection Act

Except as expressly stated upon initial access to a specific TIME website or section of such site, our site(s) does not direct content to Minors and does not intend to collect personal information from Minors and therefore is not subject to the Child Online Privacy Protection Act.

If you allow your minor child, or a child for whom you are legal guardian (a "Minor"), to access and use our site(s), you agree that you will be solely responsible for: (i) the online conduct of such Minor; (ii) monitoring such Minor's access to and use of our site(s) and (iii) the consequences of any use.

Changes and Applicable Law

TIME reserves the right to make changes to our site(s) and its Legal Disclaimer/Terms and Conditions of Use at any time, for any reason or for no reason, and with or without notice. TIME encourages you to review the website and these terms periodically for any updates or changes. We will post the date that the policy has been updated so you will know when it has been changed. Your continued access or use of our site(s) and shall be deemed your acceptance of these Legal Disclaimers/Terms and Conditions of Use and any changes and the reasonableness of these standards for notice of changes. Use of our site(s) will be governed by and construed in accordance with the laws of the State of New Jersey, without giving effect to its conflict of law provisions. You agree that any legal action or proceeding between you and our site(s) will be brought exclusively in a federal or state court of competent jurisdiction in or for Roseland, New Jersey. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.

How to Contact Us

We can be reached via e-mail at Marketing@crump.com or you can reach us by telephone at 973.461.2100. Our mailing address is:

TIME
c/o Crump Life Insurance Services
105 Eisenhower Parkway, 4th Floor
Roseland, NJ 07068

If you feel that this site is not following these Terms and Conditions of Use, please contact us at the above addresses or telephone number.

Effective July 31, 2009  - TIME, a Crump Company




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