Terms of Use

By using this site, you agree to the following terms:

Information on This Website

The information contained on this site does not constitute an offer or solicitation for the sale of any security, insurance product or any other product or service by Nassau Financial Group or its subsidiaries (collectively, Nassau). Content is provided for informational purposes and should not be construed as a substitute for legal or financial advice from a professional advisor.

Restrictions on Use

Your use of the materials on this site, including content, documents, products, software, graphics and text, and all software, design, programming techniques and documentation used to operate and support the site, is subject to these terms. You may download material displayed on this site to your personal computer and you may print one copy of the information contained on this site solely for your own personal use provided you do not remove any copyright, trademark or other proprietary notices contained on the materials. Except as authorized in writing by Nassau, no materials from this site or any Website owned, operated, licensed or controlled by Nassau may be copied, reproduced, duplicated, republished, uploaded, posted, transmitted, hyperlinked or distributed in any way.

Nassau SMS/Text Messaging Terms & Conditions

By opting in to Nassau's SMS/Text Messaging Service, you agree to these SMS/Text Messaging Terms & Conditions ("SMS Terms"). This agreement is between you and Nassau Financial Group and its subsidiaries ("Nassau," "we," "our," or "us"), headquartered at 1 American Row, Hartford, CT 06103.

Please read these SMS Terms carefully. By providing your mobile number and opting in, you expressly consent to receive marketing and non-marketing text messages from Nassau at the mobile number you provide, including messages sent using an automatic telephone dialing system or other automated technology where permitted by law. Messages may be recurring or one-time.

Opting in to receive text messages is voluntary and is not required. By providing your mobile number, you represent that you are the authorized user of, or have permission to use, the mobile number provided.

Text Messages You May Receive

Nassau may send text messages regarding:

• Product updates and promotions
• Educational content
• Event invitations
• Service-related communications
• Other information you have requested or agreed to receive

Message frequency will vary based on your interactions with Nassau, your communication preferences, and the programs in which you enroll. Nassau does not guarantee the timing or delivery of any message, as delivery is subject to your wireless carrier and other factors beyond our control.

Definitions

Opt In means requesting, enrolling in, signing up for, acknowledging, responding to, or otherwise consenting to receive one or more text messages from Nassau.

Text Messaging Service refers to any SMS, MMS, RCS, or similar messaging service provided by Nassau using current or future messaging technologies.

Privacy

Information collected through the Text Messaging Service may include your mobile phone number, wireless carrier, message content, message history, timestamps, and other information you choose to provide while communicating with Nassau.

This information may be used to:

• Deliver the text messaging services you requested
• Respond to your inquiries
• Maintain communication preferences
• Improve our communications and services
• Comply with legal and regulatory obligations

For more information about how Nassau collects, uses, stores, and protects your information, please review our Privacy Policy.

These SMS Terms apply only to Nassau's Text Messaging Service and supplement, but do not replace, Nassau's broader Privacy Policy.

Please do not send sensitive personal information through text messages, including login credentials, application information, Social Security numbers, financial account information, or other confidential or personally identifiable information. Nassau may retain and monitor text message communications as required by law or for legitimate business purposes.

Message & Data Rates

Nassau does not charge you to receive text messages. However, message and data rates may apply based on your wireless carrier and service plan. You remain responsible for any fees charged by your mobile provider.

Supported Mobile Carriers

Text messaging services may not be available on all wireless carriers. Participating carriers may include, but are not limited to, AT&T, Verizon, T-Mobile, and U.S. Cellular. Carrier participation may change without notice, and all messages remain subject to your carrier's terms and conditions.

Opting Out

You may opt out of receiving Nassau text messages at any time by replying STOP to any message.

If you later wish to resume receiving messages, you may opt in again through the applicable Nassau enrollment process.

Help

For assistance, reply HELP to any Nassau text message or contact Nassau Marketing at info@nfg.com.

Changes to These SMS Terms

Nassau may revise, modify, or discontinue the Text Messaging Service or these SMS Terms at any time. Any updates become effective when posted to Nassau's website. Your continued participation in the Text Messaging Service following any changes constitutes your acceptance of the revised SMS Terms.

Disclaimer

The Text Messaging Service is provided on an "as is" and "as available" basis. Nassau makes no representations or warranties regarding the availability, timeliness, accuracy, or reliability of the Text Messaging Service and disclaims all express or implied warranties to the fullest extent permitted by law.

These SMS Terms supplement Nassau's other applicable legal notices and policies.

Where We Are Authorized To Conduct Business

Not all Nassau subsidiaries are authorized to do business in every state, territory or jurisdiction of the United States. In addition, the products and services described on this site may not be available in all states, territories or jurisdictions of the United States. Check with your professional advisor for product availability and current state-specific issuing company information.

Annuity contracts are issued by Nassau Life Insurance Company (East Greenbush, NY) or Nassau Life and Annuity Company (Hartford, CT). In California, Nassau Life and Annuity Company does business as "Nassau Life and Annuity Insurance Company".

Nassau Life and Annuity Company is not authorized to conduct business in ME and NY, but that is subject to change.

Nassau Medicare Supplement insurance is issued by Nassau Life Insurance Company of Kansas (Overland Park, KS). Nassau Life Insurance Company of Kansas is not authorized to conduct business in HI, ME, NH, NJ, or NY, but that is subject to change.

The insurers referenced above are separate entities and each is responsible only for its own financial condition and contractual obligations.

Securities are underwritten by 1851 Securities, Inc., P.O. Box 5056, Hartford, CT 06012-5056.

Our Privacy Policy

Nassau is firmly committed to maintaining the privacy of all visitors to our site. For more information, see our Privacy Policy.

Modification of This Site and Materials

Nassau may, at any time and for any reason, stop making this site available and/or remove and discard any materials within it. Further, Nassau shall not be liable to you or any third party for any modification, suspension or discontinuance of the site.

Links

This site may provide, or third parties may provide, links to other websites or resources. Nassau has no control over such sites and resources, is not responsible for their availability, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from them. Nassau shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of such sites or resources. Your use of such sites or resources shall be subject to the terms and conditions set forth by them.

Nassau's Proprietary Rights

All rights, title and interests in and to the site and its materials, including, but not limited to, all patent rights, copyrights, trade secrets, trademarks, site marks and other inherent proprietary rights, are retained by Nassau or its licensors. Except as expressly authorized by Nassau herein, you agree not to make, copy, display, modify, rent, lease, license, loan, sell, distribute or create derivative works of the site or its materials in whole or in part. Any modification of the site or its materials for any purpose is in violation of these terms.

Trademark Information

The Nassau Marks, including, but not limited to, Nassau Re, The Phoenix Companies Inc., Phoenix, and the lighthouse design logo and phoenix design logo marks, are registered trademarks and service marks of Nassau. The Nassau Marks may not be displayed or otherwise used in any manner without the prior written consent of Nassau. All other trademarks not owned by Nassau that appear on this site are the property of their respective owners.

Disclaimer of Warranties

This site and its materials are provided "as is" and "as available" and without warranties of any kind, either express or implied, including, but not limited to, implied warranties of accuracy, completeness, noninfringement, merchantability and fitness for a particular purpose, including, without limitation, whether any insurance or other product described on the site is appropriate to meet your needs.

Without limitation of the foregoing, Nassau makes no warranty that (i) the site will meet your requirements; (ii) the site will be uninterrupted, timely, secure, or error-free; (iii) the results that may be obtained from use of the site will be accurate or reliable; (iv) the quality of any products, sites, information, or other material obtained by you through the site will meet your expectations; or (v) any errors in the site will be corrected.

Any material viewed, downloaded or otherwise obtained through the use of the site is done solely at your own discretion and risk, and you will be solely responsible for any damage to your computer system or loss of data that results from the viewing or download of any such material.

No information provided to you through this site shall be the basis for any warranty between you and Nassau.

Limitations of Liability

Nassau and its officers, directors, employees, consultants and contractors shall not be liable for any damages, losses, costs or injuries suffered as a result of or in relation to this site or its materials, your use of either of the foregoing, or your breach of these terms or restrictions. In no event shall Nassau be liable for any indirect, punitive, special, incidental, or consequential damages (including, without limitation, loss of sales, business, revenue, profit, use, data or other economic advantage), however it arises, whether for breach of contract or in tort, even if Nassau has been advised of the possibility of such damages. In no event shall Nassau be liable to you for damages greater than $50 in aggregate.

Indemnification

You shall indemnify, defend and hold Nassau harmless from and against all claims, actions, liabilities, damages, losses, debts, costs and expenses, including, without limitation, reasonable attorneys' fees, arising out of or relating to (i) your use or modification of this site or its materials; (ii) any information content or materials submitted or provided by you; or (iii) your breach of any of these terms or restrictions.

Submissions

To avoid any misunderstandings as to ownership or compensation, this site should not be used to submit ideas, suggestions or materials (collectively, submissions) to Nassau. Employees, consultants and other representatives of Nassau have many creative ideas of their own, some of which may be similar to your submissions. In addition, while you may believe that your submissions are novel or unique, it is possible that they are otherwise known by Nassau or within the financial or other industries. If, despite our request, you submit any submissions to Nassau via this site, such submissions shall become the property of Nassau and you hereby assign to Nassau , without further consideration, all of your rights, title and interests in and to the same, including, without limitation, any pertinent copyright, trade secret, patent and any other intellectual property rights. Any additional or different terms of ownership or use submitted by you in connection with any such submission shall be void. In addition, Nassau shall be under no obligation of confidence with respect to any such submission and shall not be liable for any use or disclosure of the same.

Copyright and Copyright Agents

Nassau respects the intellectual property of others, and we ask our users to do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide Nassau's Copyright Agent the following information:

• An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
• A description of the copyrighted work that you claim has been infringed;
• A description of where the material that you claim is infringing is located on the site;
• Your address, telephone number and email address;
• A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law;
• A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

Nassau's Copyright Agent for notice of claims of copyright infringement on its site is:

Compliance Officer Nassau
One American Row
P.O. Box 5056
Hartford, CT 06102-5056

General Information

You also may be subject to additional terms and conditions that may apply when you use subsidiaries' sites, third-party content or third-party software. These terms and the relationship between you and Nassau shall be governed by the laws of the State of Connecticut and controlling United States federal law without regard to conflict of law provisions. The failure of Nassau to exercise or enforce any right or provision of these terms shall not constitute a waiver of such right or provision. If any provision of these terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and that the other provisions of these terms shall remain in full force and effect.

The section titles included in this statement are for convenience only and have no legal or contractual effect.

Changes to Terms

Nassau reserves the right, in its sole discretion at any time, to change, modify, add to or delete portions of these terms and/or the Privacy Policy. You are bound by any such revisions and should periodically visit this page to review the most recent terms. Your continuing use of this site following the posting of any such changes, modifications, additions or deletions shall constitute your acceptance of and assent to the same. If you decide to purchase insurance or other Nassau products or services that are referred to on the site, the terms and conditions specified in the applicable policy or other agreement with Nassau will apply.