Disability Reinsurance Management Services, Inc. (“Disability RMS”) requires that each visitor (a “User”) to this Internet site on the World Wide Web (the “Site”) adhere to the following Terms and Conditions. Please read these Terms and Conditions carefully before using the Site. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Terms and Conditions. If the User does not agree to all of these Terms and Conditions, he or she should not use this Site. Disability RMS requires that each visitor (a “User”) to this Internet site on the World Wide Web (the “Site”) adhere to the following Terms and Conditions. Please read these Terms and Conditions carefully before using the Site. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Terms and Conditions. If the User does not agree to all of these Terms and Conditions, he or she should not use this Site.

Disability Reinsurance Management Services, Inc., and its parent, affiliates, and divisions make no representations or warranties about the accuracy or completeness of any information, text, graphics or functionality on this Web site. The information, text, graphics and functionality are presented without express or implied warranties and are provided “as is.”

Limitation of Liability

Disability RMS expressly disclaims all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security and accuracy. Information in this Site may contain inaccuracies or errors. Information on this Site may be changed or updated without notice. Disability RMS has no obligation to update information on this Site, so such information may be out of date at any given time. Disability RMS also may make improvements or changes in products described on this Site at any time without notice.

Disability RMS specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damage arising out of or in any way connected with access to or use of this Site (even if Disability RMS has been advised of the possibility of any such damage), including any liability associated with any virus that may infect a User’s computer equipment. Under no circumstances will Disability RMS be liable for any loss or damage caused by a User’s reliance on information obtained through this Site. It is the responsibility of each User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through this Site.

Disability RMS may provide links to other server sites throughout this site. Such links are offered for informational purposes only. Disability RMS and its parent, affiliates, and divisions in no way endorse, sponsor or promote these sites or the content of these sites, unless expressly noted.

No Representation as to Suitability

Disability RMS makes no representation as to the financial or other suitability of any product described on this Site for any User.

Proprietary Information

All content on this Site is Disability RMS’ proprietary information. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The logos and marks (the “Marks”) displayed on this Site are the property of Disability RMS or its parents, affiliates or divisions (collectively “Disability RMS”). Users are prohibited from using any Mark for any purpose without the express written permission of Disability RMS.

Ownership

The design, text and images of this Site are owned, controlled or licensed by Disability RMS or its parents, affiliates or divisions. Disability RMS and/or its licensors retain all right, titles and interest to all material provided on this Site. The posting of information and material on this Site does not constitute a waiver by Disability RMS or any of its licensors of any rights in such material and does not transfer any rights to any User of the Site.

Linking

The User may leave this Site and access other sites on the World Wide Web that Disability RMS does not maintain. Disability RMS is not responsible for the content available on any other site on the World Wide Web linked to this Site and disclaims any responsibility for such other sites. Access to any such other site linked to this Site is at the User’s own risk.

Privacy

As part of the normal operation of our Site, we may collect a limited amount of information about your visit. The information we may track includes the URL you just came from, which URL you go to after leaving our Site, what browser you are using, and your Internet provider address. This type of information is tracked by many Web sites in order to make sure that visitors are able to use the site information and functions successfully. None of this standard tracking information is personally identifiable. Disability RMS does not collect personally identifiable information (information that reveals the visitor’s identity) about a visitor unless the visitor knowingly and voluntarily provides such information.

Laws and Regulations

Access to and use of this Site are subject to all applicable federal, state and local laws and regulations.

Access to Password Protected or Secure Areas

Access to and use of password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution.

Forward-Looking Statements

This Site includes “forward-looking statements” that express expectations of future events and/or results. All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and Sun Life Financial cannot give assurance that such statements will prove to be correct.

Changes to Terms and Conditions

Sun Life Financial reserves the right to revise these Terms and Conditions at any time and Users are deeded to be apprised of and bound by any changes to these Terms and Conditions.

Violations of Terms and Conditions

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