Terms and Conditions

Terms and Conditions
Effective April 1, 2009


The following terms and conditions govern your use of this website (http://www.giosgli.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 present information and content that is owned or licensed by The Prudential Insurance Company of America, its parent, subsidiaries and affiliates ("Prudential"). When used in these Terms and Conditions, "we" and "our" mean Prudential and "you" and "your" refers to any individual, company, or legal entity that accesses or otherwise uses this website.

Additional Terms.

Prudential offers products and services available through portions of this website and other Prudential 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 otherwise offered by Prudential. 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 governmental authorities. You agree to review all applicable terms and conditions relating to Prudential's 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 govern and control. Further, if you have a policy or account with Prudential, 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 govern and control.

Do Not Rely on This Website for Your Financial Decisions.

The Content on this website is for convenience and information purposes only. You should consult your financial and legal advisors, and independently verify all Content provided through this website before you make decisions. Nothing on this website constitutes an offer to sell or buy any product. Account information available on this website is not the official record of your account. Nothing on this website should be construed as rendering tax, legal, investment, or accounting advice. The posting of any information on this website is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.

Ownership and Use of Content.

All of the information and content on this website, including, but not limited to, all text, articles, graphics, software applications, video and audio files and photos, trademarks, service marks and trade dress ("Content") is owned or licensed by Prudential. 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 reserves the right to terminate at any time your right to make personal copies of Content. You may not copy, transmit, distribute, modify, publicly perform, reuse, sell or display any of the Content for any public or commercial purpose except with the prior written consent of Prudential or the owners of the materials, which they may issue in their sole discretion. You may not use the Content in any other website or in a network computer environment, including framing the Content within another website. Except for the limited use rights expressly provided in this paragraph, all rights in Content are reserved.

PRUDENTIAL, PRU, THE ROCK, the Rock Logo, the Rock PRUDENTIAL Logo PRUDENTIAL FINANCIAL, and combinations thereof, are trademarks or registered trademarks of The Prudential Insurance Company of America. All other trademarks, service marks, trade names, logos and icons, registered or not, are the property of The Prudential Insurance Company of America or third parties which may be indicated. Other materials, including video, sound recordings and images, on this website are a copyright of or proprietary to The Prudential Insurance Company of America or are used with the consent of the owner. Except when included in any authorized printouts of the Content, you are not authorized to make any other use of Prudential's 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.


Links from this site to a non-Prudential site may be provided for the user's convenience only. Prudential does not control or review these third-party sites nor does the provision of a link imply any endorsement of or association with such non-Prudential sites. Your linking to any websites from this website is at your own risk. Subject to the terms of applicable service or other agreements, we will remove any link from this website upon request of the owner of the linked site. Please call our operations department at 973-802-2269 to submit such a request.

Warranty Disclaimer.

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. Your use of this website and Content is at your own risk. Content may become inaccurate as a result of developments after its publication on this website. Prudential 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 for informational purposes only, and Prudential 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 fullest extent permitted by the applicable law.

Your Responsibility for Security.

Prudential does not warrant that the website will operate error free or is free from viruses, worms, Trojan horses, or other destructive or harmful code. Prudential assumes no 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 current virus protection software.

Limitation Of Liability.

In no event shall Prudential or any other party involved in creating, producing, or delivering this website or Content on Prudential's behalf be liable for any direct, incidental, special, consequential, indirect, lost profits, loss of business data, or punitive damages arising out of your access to, or use of, or inability to access or use, this website or any Content, or the performance of any product on this website.

Additional Information.

All information, other than personal information subject to Prudential's Internet Privacy Policy, submitted to Prudential through this website or any related Prudential website is the property of Prudential. Prudential is free to use any ideas, concepts, know-how, or techniques that you may submit to Prudential 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'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.


Prudential 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.


You may review Prudential's Internet Privacy Statement at https://gi.prudential.com/groupinsurance/tools/Prudential Group Insurance Internet Privacy Statement.pdf.


This website does not intend to market any Prudential products or services to children under thirteen (13) years of age. Prudential 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.

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.


Prudential reserves the right in its sole discretion to terminate or restrict your use of all or any part of the website, without notice, for any or no reason, and without liability to you or anyone else. The Terms and Conditions relating to Ownership and Use of Content, Indemnification, Limitation of Liability, Warranty Disclaimer, Limitation of Liability, and Governing law shall survive any termination.