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Terms & Conditions

Effective January 2016

The following terms and conditions govern your use of this website. 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 presents information and Content that is owned or licensed by The Prudential Insurance Company of America, its parents, subsidiaries and affiliates ("Prudential"), one of which is PGIM, Inc. (“PGIM”). 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 an agreement for investment advisory or other services with PGIM or its related entities, or a policy or account with Prudential, your relationship is also governed by other agreements, such as an investment advisory agreement or 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 other agreements, your policy and/or other 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 or service.  Nothing on this website should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus or any other information on this website is not a recommendation or opinion for you to buy or sell any product or service 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, analyses, reports, articles, graphics, software applications, video and audio files and photos, trademarks, service marks and trade dress ("Content") is owned or licensed by Prudential Financial, Inc. and its related entities ("PFI").  PGIM, the PGIM logo, Prudential, the Prudential logo and the Rock symbol are service marks of PFI and its related entities, registered in many jurisdictions. Prudential Financial, Inc. of the United States is not affiliated in any manner with Prudential plc, incorporated in the United Kingdom or with Prudential Assurance Company, a subsidiary of M&G plc, incorporated in the United Kingdom.  Except when included in any authorized printouts of the Content, you are not authorized to make any other use of PFI'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 PFI or any of its related entities.  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.  PFI and its related entities reserve 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 PFI 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.

All other trademarks, service marks, trade names, logos and icons, registered or not, are the property of PFI and its related entities, 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 PFI and its related entities or are used with the consent of the owner.

Unsolicited Ideas
Unsolicited Idea Submission Policy.   Prudential and its related entities do not accept or consider unsolicited ideas, proposals or suggestions, including, without limitation, concepts, know-how or techniques (collectively, “Ideas”), or materials concerning Ideas (“Materials”) including without limitation Ideas for new or improved products, processes or technologies, product enhancements, advertising and marketing campaigns, promotions or new product names. Please do not send any Ideas or Materials. The purpose of this policy is to avoid any potential misunderstanding or dispute when Prudential’s or its related entities’ products, services or marketing efforts might seem similar to Ideas or Materials submitted to Prudential. If, despite our request not to send us your Ideas or Materials, you still do, then regardless of what your communication states, the following terms shall apply to your submission:

Terms of Submission of Unsolicited Ideas:   You agree that (a) your submission does not create any contract, whether implied or express, between you and Prudential or any related entity, (b) your Ideas and Materials, and all intellectual property associated therewith, will automatically become the property of Prudential and its related entities, without compensation to you, (c) Prudential or any related entity can use the Ideas and Materials for any purpose, in any way, and without attribution or compensation to you, and (d) any information you provide will be considered non-confidential.  All information, other than personal information subject to Prudential’s Internet Privacy Statement, submitted to Prudential or a related entity through this website or any related entity website is the property of Prudential.  Prudential and its related entities are free to use any Ideas 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 Statement, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

Links from this website to a non-Prudential website may be provided for the user's convenience only. Prudential does not control or review these third-party websites nor does the provision of a link imply any endorsement of or association with such non-Prudential websites. 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 from the owner of the linked website. Please call our operations department at 212-626-2040 to submit such a request.

Not all of the products or services described on this website are available in all areas of the United States or other parts of the world and you may not be eligible for them. We reserve the right to determine eligibility.

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. Neither Prudential nor any of its related entities assumes any 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 and its related entities disclaims any and 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 any and all warranties to the fullest extent permitted by the applicable law.

Your Responsibility for Security
Neither Prudential nor any of its related entities warrants that the website will operate error free or is free from viruses, worms, Trojan horses, or other destructive or harmful code. Prudential and its related entities assume no liability or 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.

In no event shall Prudential, its related entities 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 or 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.

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 our privacy center.

Cautionary Language Regarding Forward-Looking Statements
All Content, together with information filed and furnished with the Securities and Exchange Commission and any oral information provided by executives of Prudential or any related entity that relates to Prudential's or any of its related entities’ future performance or financial results are considered forward-looking statements. These forward-looking statements involve uncertainties that could cause actual performance or results to materially differ, and readers are cautioned not to place undue reliance on them. All forward-looking statements should be read in conjunction with the additional information about risks and uncertainties set forth in PFI’s Securities and Exchange Commission reports, including PFI’s annual report on Form 10-K for the most recently ended reportable year.

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.

Exporting Material
Persons who access this website do so on their own initiative, and are responsible for compliance with applicable local laws and regulations. Software and other materials from this website may be subject to export controls imposed by the United States and may not be downloaded or otherwise exported to any country or anyone prohibited by law. Prudential and its related entities prohibit your downloading or exporting of software or other material from this website in violation of U.S. Export Laws and the laws of your resident country. By downloading software or other material from this website, you represent and warrant that you are able to do so in full compliance with the laws of the United States and your resident country.

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, Warranty Disclaimer, Limitation of Liability, and Governing Law shall survive any termination.