Terms of Use

CONDITIONS OF USE

BY USING THIS WEB SITE, YOU ACKNOWLEDGE YOUR ASSENT TO THE FOLLOWING CONDITIONS OF USE WITHOUT LIMITATION OR QUALIFICATION. PLEASE READ THESE CONDITIONS CAREFULLY BEFORE USING THIS WEB SITE. THESE TERMS AND CONDITIONS MAY BE REVISED AT ANY TIME BY UPDATING THIS POSTING. YOU ARE BOUND BY ANY SUCH REVISIONS AND SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE THEN CURRENT TERMS AND CONDITIONS TO WHICH YOU ARE BOUND.


DISCLAIMER

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS WEB SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED AND AMERICAN INTERNATIONAL GROUP, INC. AND ITS SUBSIDIARIES AND AFFILIATES, including The Variable Annuity Life Insurance Company or VALIC,  which operates this Site   (COLLECTIVELY, "AIG"),  DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. AIG DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEB SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. AIG DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEB SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT AIG) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT NECESSARILY INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES; PLEASE REFER TO THE ACTUAL POLICY OR THE RELEVANT PRODUCT OR SERVICES AGREEMENT.THIS WEB SITE MAY BE LINKED TO OTHER WEB SITES WHICH ARE NOT MAINTAINED BY AIG. AIG IS NOT RESPONSIBLE FOR THE CONTENT OF THOSE WEB SITES. THE INCLUSION OF ANY LINK TO SUCH WEB SITES DOES NOT IMPLY APPROVAL OF OR ENDORSEMENT BY AIG OF THE WEB SITES OR THE CONTENT THEREOF.


LIMITATION OF LIABILITY

While AIG uses reasonable efforts to include accurate and up-to-date information on this Web site, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, AIG makes no warranties or representations as to the accuracy of the content of this Web site and under no circumstances, including, but not limited to, negligence, shall AIG or any party involved in creating, producing, or delivering the Web site be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this Web site, even if AIG or an AIG authorized representative has been advised of the possibility of such damages. In no event shall AIG's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this Web site.AIG also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the Web site or your downloading of any materials, data, text, images, video, or audio from this Web site. 
 

RESTRICTIONS ON USE OF MATERIALS

This Web site is owned and operated by American International Group, Inc. (“AIG”), the parent company of VALIC. Except  as otherwise expressly permitted by AIG, no materials from this Web site or any Web site owned, operated, licensed or controlled by AIG may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Web site for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Web site for public or commercial purposes, including the text, images, audio, and video without AIG's written permission. AIG neither warrants nor represents that your use of materials displayed on this Web site will not infringe rights of third parties.

JURISDICTIONAL ISSUES

Unless otherwise expressly set forth herein, AIG makes no representation that materials on this Web site are appropriate or available for use in any location. Those who choose to access this Web site do so on their own initiative and are responsible for compliance with local laws.Except as expressly set forth herein the information contained on this Web site is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by AIG. No security, insurance product or other product or service is offered or will be sold by AIG or, if sold by AIG, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.


OWNERSHIP OF INFORMATION

Any information, other than personal data or information, you transmit to AIG via this Web site, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of AIG. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. AIG is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to AIG via this Web site or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

TRADEMARKS AND COPYRIGHTS

All trademarks, services marks, trade names, logos, and icons are proprietary to AIG. Nothing contained on the Web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Web site without the written permission of AIG. Your use of the trademarks displayed on this Web site, or any other content on this Web site, except as provided herein, is strictly prohibited.Images displayed on this Web site are either the property of, or used with permission by, AIG. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by AIG. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.


SOFTWARE LICENSES

You acknowledge that any software which may be available or provided to you on this Web site may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. AIG does not authorize the downloading or exportation of any software or technical data from this Web site to any jurisdiction prohibited by such export controls laws and regulations.


DOW JONES TERMS OF USE

This Web site utilizes information from the Dow Jones IndexesSM. If you are an AIG or AIG Affiliate employee, your use of such information is subject to the terms of the Dow Jones IndexesSM. Master Data Agreement by and between Dow Jones & Company, Inc. and The Variable Annuity Life Insurance Company dated December 28, 2007.  For non-AIG employees, your use of such information is subject to the Terms and Conditions of Use of Dow Jones IndexesSM at http://www.djindexes.com/mdsidx/html/tandc/indexestandcs.html