Terms and Conditions

PLEASE READ THESE TERMS CAREFULLY. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ACCESS OR OTHERWISE USE THIS WEBSITE OR ANY INFORMATION CONTAINED ON THIS WEBSITE.

THESE TERMS AND CONDITIONS OF USE GOVERN YOUR USE OF NEWAGEOFADVICE.COM (THIS “SITE”). BY ACCESSING THIS SITE, YOU ARE INDICATING YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THESE TERMS AND CONDITIONS OF USE. THESE TERMS AND CONDITIONS OF USE ARE SUBJECT TO CHANGE, UPDATE AND/OR REVISION (COLLECTIVELY “CHANGE”) BY THE TRANSAMERICACOMPANIES IN THEIR SOLE DISCRETION AT ANY TIME, WITHOUT NOTICE. YOUR USE OF THIS SITE AFTER ANY SUCH CHANGE CONSTITUTES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF SUCH CHANGE. YOU SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE MOST CURRENT TERMS AND CONDITIONS OF USE REGULARLY.

For purposes of these Terms and Conditions of Use, the term “The Company”  or “Transamerica” includes Transamerica Corporation and all of its parents, subsidiaries and affiliates, including without limitation, Transamerica Life Insurance Company, Transamerica Financial Life Insurance Company, Transamerica Advisors Life Insurance Company, Transamerica Advisors Life Insurance Company of New York, Monumental Life Insurance Company, Western Reserve Life Assurance Co. of Ohio, Stonebridge Casualty Insurance Company and Stonebridge Life Insurance Company, including any separate accounts established for the products they may offer, and Transamerica Series Trust, Transamerica Capital, Inc.,  Transamerica Resources, Inc., Transamerica Funds, and Transamerica Asset Management, Inc., including the funds for which it serves as Investment Advisor.

Access to This Site

To access this Site or any of the resources it has to offer, you may be asked to provide certain registration details or other information. It is a condition of your use of this Site that all the information you provide on this Site will be correct, current, and complete. If The Company believes the information you provide is not correct, current, or complete, it retains the right to deny access to this Site or any of its resources, and to terminate or suspend your access at any time

Restrictions on Use

All Materials on this Site, whether separate or compiled, including, but not limited to, text, graphics, audio clips, logos, buttons, images, digital downloads, data compilations, software, icons, html code and xml code, as well as all copyright, patent, trademark, trade dress and other rights therein, are owned or licensed by Transamerica and its third party information providers, and are protected by United States and international intellectual property laws.

You may use this Site only for purposes expressly permitted by this Site. You may not use this Site for any other purpose, including any commercial purpose, without The Company’s prior written consent. For example, you may not (and may not authorize any other party to) (i) co-brand this Site, (ii) frame this Site, or (iii) hyperlink or deep-link to this Site without the express prior written consent of an authorized representative of The Company. For purposes of these Terms and Conditions of Use, “co-branding” means to display a name, logo, trademark, or other means of attribution or identification of any party, in a manner that is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this Site or Content (as defined below) accessible within this Site. You agree to cooperate with The Company in causing any unauthorized co-branding, framing, or linking to immediately cease.

 Proprietary Information

The material and content accessible on or generated by this Site, and any other site owned, operated, licensed, or controlled by The Company (the “Content”) is proprietary information of The Company or its licensor and The Company or its licensor retains all right, title, and interest in and to the Content. Content may not be copied, reproduced, performed, displayed, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of The Company, which may be withheld in its sole discretion, except that you may print out a copy of the Content solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, service mark, or any other proprietary notice or legend or regulatory disclosure appearing on any of the Content. Modification or use of the Content except as expressly provided in these Terms and Conditions of Use violates The Company’s or its licensor’s intellectual property rights. Neither title nor intellectual property rights are transferred to you by your use of or access to this Site.

Hyperlinks

Transamerica may provide hyperlinks to other sites (“Third Party Sites”). Third Party Sites are not maintained by, related to, or sponsored by or affiliated with, Transamerica and are provided as a service and convenience to you. Transamerica has not reviewed Third-party Sites and is not responsible for their content. Third Party Sites are to be accessed at your own risk, and Transamerica makes no representations or warranties about the content, or the completeness, accuracy or security of Third Party Sites. A hyperlink to a service or site is not an endorsement of the service or site, its content, or its sponsoring organization. Furthermore, Transamerica is not liable for any direct or indirect computer system damage or other problems you may incur as a result of clicking on a link to any Third-party Site.

Linking Conditions

You may not link to this Site unless you comply with these linking conditions (“Linking Conditions”). Transamerica grants you a limited, revocable, nonexclusive right to create a hyperlink to this Site (“Link”), provided you comply at all times with the following conditions:

  • The Link must resolve to the Site’s home page at http://www.newageofadvice.com, or an internal or subsidiary page of this Site that is located one or several levels down from the homepage, unaltered in any way;
  • The text of the Link must read either “Transamerica’s New Age of Advice,” “newageofadvice.com,” “www.newageofadvice.com,” or accurately describe the Site content to which you are linking. You may not use any Transamerica logo or graphic, or any other Transamerica trademark, as part of the Link without Transamerica’s express written permission;
  • The Link and surrounding context on the linking site must not: (a) falsely represent or misrepresent any relationship between the linking site and Transamerica, including suggestions of affiliation, endorsement or sponsorship; (b) portray Transamerica or its affiliates, or their products or services, in a false, misleading, derogatory or otherwise offensive manner; or (c) deliver the Materials in a framed environment or alter the layout, content, look or feel of the Site; and
  • You may not maintain numerous or pervasive Links to this Site.

Third Party Content

Data and other materials appearing on this Site that are provided by third parties are believed by Transamerica to be obtained from reliable sources.  While Transamerica makes every attempt to provide accurate and timely information to serve the needs of users, neither Transamerica nor any Third Party Content provider guarantees the accuracy, timeliness, completeness or suitability for use of the Third Party Content, and neither Transamerica nor any Third Party Content provider are responsible or liable for any such content. Third Party Content is provided for informational purposes only and Transamerica and the Third Party Content providers specifically disclaim any responsibility for Third Party Content available on the Site.

Transamerica is not responsible for, and does not prepare, edit or endorse, the content, advertising, products or other materials on or available from any website owned or operated by a third party that is linked to this Site via hyperlink. The fact that Transamerica has provided a link to a third party’s website does not constitute an implicit or explicit endorsement, authorization, sponsorship or affiliation by Transamerica with respect to such website, its owners, providers or services. You will use any such third party content at your own risk and you agree that Transamerica is not liable for any loss or damage that you may suffer by using third party websites or any content, advertising, products or other materials in connection therewith.

The third party content providers including their parents, subsidiaries, affiliates, service providers, licensors, officers, directors, or employees shall not be liable for any direct, indirect, incidental, special or consequential damages arising out of or relating to the use or the inability to use the third party content, including but not limited to damages for loss of profits, use, data or other intangible damages, even if such party has been advised of the possibility of such damages.

Information that is collected by the Site

In general, you can visit this Site while remaining anonymous by not providing any Personal Information (as defined by applicable law). In some cases, non-personal information may be automatically collected, such as your Internet browser, computer operating system, domain name of your Internet service provider, and/or the web site from which you linked to this Site. Personal Information about you (e.g., your name, address, telephone number, and/or e-mail address) will not be collected unless you provide it to us voluntarily. For example, The Company retains e-mail addresses of visitors who respond to this Site’s e-mail forms, online forms, registration forms, and surveys. The Company may also retain information about the frequency of Site visits, duration of each visit, and aggregate information on which Site pages you access.  The Company may use the information to personalize the content you receive on the Site.  If you choose not to provide Personal Information for pages that require a completion of a registration form, you may not be able to access all content, or an error message may be displayed on your browser.

For more information please access the Company’s website Privacy Statement at http://www.transamerica.com/individual/privacy-policy/.

Cookies

The Company sends Site visitors cookies, web bugs or pixel tags (collectively, “Cookie”), each of which is a small data file sent by this Site to your browser and which may be stored on your hard drive. The Company’s Cookie enables this Site to recognize you if you have a Company policy or contract, or have previously utilized certain Site features. In addition, the Cookie may recall information so that you do not have to resubmit it, and also automatically updates Site information.

Do Not Track

If you choose to program your browser software to decline to accept cookies and we receive a Do Not Track header from you, the Company will not send any Cookie to your browser on this site. As noted in Cookies above, your declination of any Site Cookie may impair your ability to access or use certain functionality of this Site or require you to enter and re-enter information each time you visit this Site.

Submissions

You hereby grant to The Company the royalty-free, perpetual, irrevocable, worldwide, nonexclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all content, remarks, suggestions, ideas, graphics, or other information communicated to The Company through this Site (collectively, the “Submission”), and to incorporate any Submission in other works in any form, media, or technology now known or later developed. The Company will not be required to treat any Submission as confidential, and may use any Submission in their businesses (including without limitation, for products or advertising) without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future operations. The Company will treat any Personal Information that you submit through this Site in accordance with its web site Privacy Statement.

Disclaimer

You understand that The Company cannot and does not guarantee or warrant that Content available for downloading from this Site or the Internet will be free of viruses, worms, Trojan Horses, or other malicious code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this Site for the reconstruction of any lost data. The Company does not assume any responsibility or risk for your use of the Internet or this Site, nor does The Company assume any responsibility for any products or services or hypertext links to third parties or for any breach of security associated with your use of this Site or your transmission of sensitive information through this Site or any hyperlinked sites.

The Content, excluding the Required Documents, is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by The Company. Account information, other than the Required Documents, available on this Site is not the official record of your account. Investors, borrowers, and other persons should use the Content in the same manner as any other informational medium and should not rely on the Content, excluding the Required Documents, to the exclusion of their own professional judgment. Information obtained by using this Site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals and objectives. Nothing on this Site should be construed as rendering tax, legal, investment, or accounting advice.

Limitation of Liability

THE COMPANY, ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS WILL NOT BE LIABLE FOR ANY ACTUAL, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, LOSS OF PRINCIPAL, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE CONTENT ON THIS SITE, EVEN IF THE COMPANY OR A REPRESENTATIVE AUTHORIZED BY THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF THE COMPANY AND THEIR SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE LESSER OF $100 OR THE AMOUNT YOU HAVE PAID FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE.

 

Indemnity

You will indemnify and hold The Company, its parents, subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (the “Indemnified Parties”) harmless from any breach of these Terms and Conditions of Use by you, including any use of Content other than as expressly authorized in these Terms and Conditions of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify the Indemnified Parties against any and all resulting losses, damages, judgments, awards, costs, expenses, and attorneys’ fees in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of or related to your use of the Content accessed from this Site.

Trademarks, Service Marks and Copyrights

The stylized Aegon logo is a federally registered trademark of Aegon NV, and TRANSAMERICA, the Transamerica Pyramid building, and Transamerica Pyramid logo are federally registered trademarks of the Transamerica Corporation. Unless otherwise specifically noted images, trademarks, service marks, logos, and icons displayed on this Site are the property of The Company or its licensors and may not be used without The Company’s prior written consent. The Company and its licensors retain all rights with respect to any of their respective trademarks, service marks, and logos appearing on this Site. Any unauthorized use of the images may violate copyright, trademark, privacy and publicity laws and regulations.

Information You Provide

You may not post, send, submit, publish, or transmit in connection with this Site any material that:

  • you do not have the right to post, including proprietary material of any third party;
  • advocates illegal activity or discusses an intent to commit an illegal act;
  • does not pertain directly to this Site;
  • threatens or abuses others, libels, defames, invades privacy, stalks, is racist, abusive, harassing, threatening, offensive, vulgar, obscene, pornographic or indecent;
  • seeks to exploit or harm children by exposing them to inappropriate content, asking for personally identifiable details, or otherwise;
  • infringes any intellectual property or other right of any entity or person, including violating anyone’s copyrights or trademarks or their rights of publicity;
  • violates any law or may be considered to violate any law;
  • impersonates or misrepresents your connection to any other entity or person or otherwise manipulates headers or identifiers to disguise the origin of the content;
  • advertises any commercial endeavor (e.g. offering for sale products or services) or otherwise engages in any commercial activity (e.g. conducting raffles or contests, displaying sponsorship banners, and/or soliciting goods or services) except as may be specifically authorized by The Company;
  • solicits funds, advertisers, or sponsors;
  • includes programs which contain viruses, worms, and/or Trojan Horses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications;
  • disrupts the normal flow of dialogue, causes a screen to scroll faster than other users are able to type, or otherwise acts in a way which affects the ability of other people to engage in real time activities via this Site;
  • amounts to a “ponzi” or similar scheme;
  • disobeys any policy or regulations established from time to time regarding use of this Site or any networks connected to this Site; or
  • contains hyperlinks to other sites that contain content that falls within the descriptions set forth above.

The Company reserves the right to monitor the use of this Site to determine compliance with these Terms and Conditions of Use, as well as the right to remove or refuse any information or Submission for any reason. Notwithstanding these rights, you remain solely responsible for the content of your Submissions and actions. You acknowledge and agree: The Company or any third party that provides Content to The Company shall not assume or have any liability for any action or inaction by The Company or such third party with respect to any Submission.

Calculator Data

If this Site contains an online calculator, the online calculator may contain data regarding retirement investing. Such information is provided for educational purposes only and does not constitute an endorsement or recommendation of any security or investment program or service or the suitability thereof for you. The Company does not offer legal or tax advice, and the information provided in the online calculators should not be used in lieu thereof. Please consult your tax attorney or financial advisor for guidance regarding your particular situation.

We Are Not Providing Investment Advice, Soliciting Offers or Selling

The Materials on this Site are for information, education, and noncommercial purposes only, are presented as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. You are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

The information contained on this Site is not intended and does not constitute legal, tax, insurance, or investment advice.  There is no content on the Site that should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security or any insurance product by Transamerica or any third party.  Certain investment planning tools available on the Site may provide general investment education based on your input. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your legal or tax professional regarding your specific situation.

This Site is controlled by us from our offices within the United States. Except as specifically stated, we make no representation that Content in this Site is appropriate or available for use in other jurisdictions. Access to this Site’s Content from jurisdictions where such access is illegal is prohibited. If you choose to access this Site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. You may not use or export the materials in this Site in violation of U.S. export laws and regulations. The Company and its parents, affiliates and subsidiaries are not authorized to do business in every jurisdiction. By downloading any Content, you are agreeing that you are not in a country where such export is prohibited and that you are not a person or entity to which such export is prohibited. You are responsible for compliance with the laws of your local jurisdiction regarding the import, export, or re-export of any Content. Information published on this Site may contain references or cross-references to products, programs or services that are not available in your state or country. The products referred to on this Site may be offered and sold only to persons in the United States and its territories. Consult your qualified financial professional for information regarding the products, programs and services which may be available to you.

Data, Information and Content

The Materials on this Site are for information, education, and noncommercial purposes only. Although Transamerica may provide data, information, and content relating to investment approaches and opportunities to buy or sell securities and/or mutual funds, and/or insurance, you should not construe any such information or other content available through this Site as legal or tax advice.   Transamerica is prohibited by law from providing tax or legal advice.  Anyone to whom this Site is promoted, marketed, or recommended should consult with and rely solely on their own independent tax/legal advisor or attorney regarding their particular situation and the concepts presented on this Site.

In exchange for using any Materials on this Site, you agree not to hold Transamerica or its third party information providers liable for any possible claim for damages arising from any decision you make based on the Materials made available to you through this Site, except for claims arising under any applicable provisions of federal securities laws. By providing access to other websites, neither Transamerica nor any of its affiliates is recommending the purchase or sale of the stock issued by any company, nor are they endorsing services provided by any website’s sponsoring organization.

No Representation as to Suitability

The Company makes no representation as to the financial or other suitability of any product described on this Site for any user. In order to evaluate whether a particular product is suitable for your financial needs, you should contact a qualified financial professional. The posting of any prospectus or any other information on this Site should not be interpreted as a recommendation or opinion that you should make any purchase or sale or participate in any transaction.

Violations of Rules and Regulations

The Company reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions of Use, including the right to block access from a particular Internet address to this Site.

Personal Information

Depending on your level of access to this Site, you may receive or obtain access to Personal Information as defined below. Your access and use of such information is governed by state and federal law and limited to specific business activities for which you are authorized. Should you access Personal Information intentionally or unintentionally of others for who you are not authorized, you will immediately notify us and you will not copy, download, store or transmit such information to any third party.

Security

Access Codes (User names and passwords) used for this Site are for individual use only. You will be responsible for the security of your Access Codes. The Company will be entitled to monitor your Access Codes and, at its discretion, require you to change it. If you use Access Codes that The Company considers insecure, The Company will be entitled to require the password to be changed and/or terminate your account.

You are prohibited from using any services or facilities provided in connection with this Site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, The Company reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents and to federal or state law enforcement officials. The Company reserves the right to investigate suspected violations of these Terms and Conditions of Use.

You agree that The Company shall not be responsible for damages or losses resulting from any breach of security caused by your failure to maintain the confidentiality of your Access Codes. If you permit access to your Access Codes by third parties, then you agree to defend, indemnify and hold The Company harmless from and against any liability, losses, damages, or costs and expenses (including attorneys’ fees) arising out of, related to or resulting from, such access and related use of this Site. The Company reserves the right to block access to this Site for any reason. You also agree to immediately notify The Company if you:

  • become aware of any loss or theft of your Access Codes, or
  • become aware of any unauthorized use of your Access Codes.

Finally you acknowledge and agree that you will not: (i) collect or store personal data about other users of this Site, or (ii) upload, e-mail, or otherwise transmit any material that contains viruses or any other computer code, files, or programs that might interrupt, limit, or interfere with the functionality of any computer software, hardware, database or file, or communications equipment that is owned, leased, or used by The Company.

For your protection, The Company may require the use of encryption technologies for certain types of communications conducted through this Site. This Site has adopted industry standard security measures to protect the loss, misuse, and alteration of the information under our control. While we provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we do not guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception, or error. While there is no such thing as “perfect security” on the Internet, we will take reasonable steps to insure the safety of your personal information. There is always the possibility of unknowingly acquiring computer viruses on the Internet and thus we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. The Company is not responsible or liable for any damage caused by viruses or related hazards, whether or not that virus or hazard resulted from a visit to this Site. You, and not The Company assume the entire cost of all necessary servicing, repair, or correction related to computer viruses.

The Company reserves the right to fully cooperate with any law enforcement authorities, regulatory authorities, or court order requesting or directing them to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms and Conditions of Use. BY ACCEPTING THESE TERMS YOU WAIVE AND HOLD HARMLESS THE COMPANY FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY THE COMPANY DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER THE COMPANY OR LAW ENFORCEMENT AUTHORITIES.

E-Mail

The Company recognizes that e-mail can be the preferred mode of communication for some of its customers. Either at the time of your registration on this Site or to transact business electronically with The Company, you provided your e-mail address to The Company. The Company may use, and you hereby permit The Company to use, this e-mail address for the following:

  • Optional e-mail communications which you have signed up for (e.g., newsletters on a selected financial topic);
  • Occasional updates about products and services as well as marketing offers.

Also, once you have requested information from The Company via e-mail, The Company may communicate with you via e-mail regarding your request to provide additional information related to your initial information request. However, The Company will never ask you to send personal information such as account or Social Security numbers by non-secure e-mail. The Company may require certain e-mail communications to be conducted through secure or encrypted e-mail. If The Company sends you an advertisement via e-mail, it will include instructions on how to opt-out of receiving such e-mail advertisements in the future. If you elect to opt-out of receiving e-mail advertisements, The Company will continue to send you non-advertisement e-mails as stated above. It is your responsibility to maintain accurate records with The Company and to update your e-mail address if it changes.

Additionally, certain portions of this Site may offer you the ability to e-mail a message to The Company even if you have not elected to participate in electronic document delivery or to transact business electronically with The Company. E-mail functionality, if any, is provided to you to facilitate communications between you and The Company. You agree, however, that you will not use e-mail to request, authorize, or affect the purchase or sale of any securities or other product or service, to change your address or other account information, to change your User Codes, to transmit personal credit information (including credit card numbers), to send fund transfer instructions, or for any other financial transactions that require formal authorization in accordance with applicable law or The Company’s policies and procedures. Any such requests, orders, or instructions that you send to The Company by e-mail will not be accepted or processed by The Company. The Company shall have no liability for any loss or damage that arises from unaccepted e-mail requests, orders, or instructions. Moreover, The Company shall have no liability for any loss or damage that result from interception and/or unauthorized use by third parties of any information you send by e-mail.

Electronic Transactions

In the event this Site permits you to view, change information on your registration and receive other information or services related to this registration issued by The Company through electronic transmission via a compatible personal computer and a secure web browser, access to such services requires an electronic identification that consists of a user name, password, or other security measures that we may require. By obtaining Access Codes, you agree that the use of this electronic identification is the legal equivalent to your written signed instructions to The Company and that your identity as an authorized user of our on-line services is determined solely by your Access Codes. You acknowledge that you are responsible for the safekeeping of your Access Codes and The Company is unable, and under no obligation, to confirm the identity or authority of any user of our on-line services.

Children

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

Recommended Browser

For optimal performance, please use at least Internet Explorer 9 or current version of Firefox, Chrome, or Safari when connecting to this Site.

Termination

The rights granted to you herein terminate immediately upon any violation by you of these Terms of Use. Transamerica reserves the right in its sole discretion to temporarily or permanently terminate or restrict your use of all or any part of the website, without notice, for any or no reason.   Transamerica will not be liable to you or any third party for any termination of your access to or use of this Site. 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.

Copyright Notice and DMCA Policy

Pursuant to the Digital Millennium Copyright Act (“DMCA”),  Pub. L. 105-304, Transamerica Corporation has designated an agent to receive notification of alleged copyright infringement occurring on the Transamerica.com domain.

If you believe that your copyrighted work is being infringed, notify our designated agent specified below.

Frank A. Camp

4333 Edgewood Road NE

MS 2520

Cedar Rapids, IA 52499-0001

Email: investigations@transamerica.com

The Digital Millennium Copyright Act requires that all infringement claims must be in writing and must include the following information:

  • A physical or electronic signature of the copyright owner or the person authorized to act on its behalf.
  • A description of the copyrighted work(s) you believe to have been infringed.
  • A description of the infringing material and information reasonably sufficient to permit Transamerica to locate the material.
  • Your contact information (including your address, telephone number, and email).
  • A statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
  • A statement that the information in the notification is accurate, and, under the pains and penalties of perjury, that you are authorized to act on behalf of the copyright owner.

Upon receipt of a notice of claimed infringement that satisfies these requirements (or any statement in conformance with 17 U.S.C. Sec. 512(c)(3)) we will act expeditiously to remove or disable access to any content that is claimed to be infringing upon the copyright of any person under the laws of the United States and will terminate the access privileges of those who repeatedly infringe on the copyrights of others. United States law imposes substantial penalties for falsely submitting a notice of copyright infringement.

Miscellaneous

These Terms and Conditions of Use will be governed and interpreted pursuant to the laws of the state of Iowa, United States of America, notwithstanding any principles of conflicts of law. You specifically consent to personal jurisdiction in Iowa in connection with any dispute between you and The Company arising out of these Terms and Conditions of Use pertaining to this Site. The parties to these Terms and Conditions of Use each agree that the exclusive venue for any dispute between the parties arising out of these Terms and Conditions of Use or pertaining to the subject matter of these Terms and Conditions of Use will be in the state or federal courts having jurisdiction within Cedar Rapids, Iowa. If any part of these Terms and Conditions of Use is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. These Terms and Conditions of Use constitute the entire agreement among the parties relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this Site will govern the items to which they pertain. The Company may revise these Terms and Conditions of Use at any time by updating this posting. These Terms and Conditions of Use constitute the entire agreement between The Company and you with respect to your use of this Site. Any cause of action you may have with respect to your use of this Site must commence within one (1) year after the claim or cause of action arises.