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.
Restrictions on Use
What Information is Collected by the Site
RGA sends Site visitors "cookies," a small data file sent by the Site to your browser, which may then be stored on your hard drive. The RGA cookie enables the Site to recognize you if you have 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. If available, you may program your browser software to notify you of attempts to send cookies and/or you may decline to accept or delete them.
You understand that RGA cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses, or other 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. RGA does not assume any responsibility or risk for your use of the Internet, nor does RGA 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 the Site or any hyperlinked sites. The Content is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by RGA. 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 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. Nothing on this Site should be construed as rendering tax, legal, investment, or accounting advice.
YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. RGA DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NONINFRINGEMENT. RGA DOES NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES, DISABLING DEVICES OR OTHER HARMFUL COMPONENTS. RGA DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND RGA MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT RGA, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. RGA ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.
All of the information on this Site, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this Site, and RGA does not undertake any obligation to update such information after it is posted or to remove such information from this Site if it is not, or is no longer, accurate or complete. All Content, together with information filed and furnished with the Securities and Exchange Commission and any oral information provided by RGA executives that relates to RGA’s 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 our Securities and Exchange Commission reports, including any RGA annual report.
Limitation of Liability
RGA, ITS SUBSIDIARIES, 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, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE CONTENT ON THE SITE, EVEN IF RGA OR A REPRESENTATIVE AUTHORIZED BY RGA 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 RGA AND ITS SUBSIDIARIES, 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 GREATER OF $100 OR THE AMOUNT YOU HAVE PAID FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE.
Trademarks, Service Marks and Copyrights
The RGA logo is a federally registered trademark of the Reinsurance Group of America, Incorporated. Unless otherwise specifically noted, images, trademarks, service marks, logos, and icons displayed on the Site are the property of RGA or the party that provided the trademarks, service marks and logos to RGA, and may not be used without RGA’s prior written consent. RGA, and any party that provided trademarks, service marks, and logos to RGA retain all rights with respect to any of their respective trademarks, service marks, and logos appearing in this Site. Any unauthorized use of the images may violate copyright laws, trademark laws, privacy and publicity laws, and communications regulations and statutes.
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;
- is vulgar, obscene, pornographic, or indecent;
- does not pertain directly to this Site;
- threatens or abuses others, libels, defames, invades privacy, stalks, is obscene, pornographic, racist, abusive, harassing, threatening or offensive;
- 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 on this Site;
- 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;
- includes MP3 format files;
- 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.
Access to the Site
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. RGA and its 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.
Services, Programs and Products Offered
RGA makes no representations regarding the availability of all the services, programs and products described on the Site as appropriate or available for use in your country. Some services, programs or products may not be available in all countries where RGA is authorized to do business. The materials and product descriptions available on the Site have no regard to the specific objectives, financial status or unique needs of any specific recipient or user of the Site. RGA does not represent that the services, programs or products presented on the Site are suitable for any individual or corporate entity. No representation or warranties, either express or implied, are made with regard to the accuracy, completeness or reliability of the services, programs and products described on the Site, nor should they be considered a complete statement regarding the services, programs or products referred to therein. The description of the services, programs and products on the Site should not be considered by the user as a substitute for the exercise of judgment. Any opinions expressed, or other statements, are subject to change without notice and may differ or be contrary to opinions expressed or statements made by other business areas within RGA as a result of different assumptions and criteria. RGA is under no obligation to keep the Site current with regard to the services, programs or products it offers.
The information contained on the Site is for informational purposes only. Consult your local RGA representative for information regarding the products, programs and services which may be available to you.
No Solicitation of Offers, Selling or Provision of Investment Advice
You Should Not Rely on the Stock Price Information on This Website
RGA does not generate the information regarding stock prices for this Site. We believe that the information on the Site is accurate, but we cannot guarantee or warrant the accuracy, completeness, or timeliness of the information. You should not rely on the stock price information for investment purposes. We are not liable for any loss or damages, whether direct, indirect, incidental, special, consequential, or exemplary, that may arise from reliance on the stock price information on this Site.
Market Data and Analysts’ Views and Opinions
RGA uses the Site to provide investors with data relating to RGA’s listed shares and other RGA financial instruments listed on the New York Stock Exchange as well as a link to competitors’ shares (“Market Data”). The Site may include analysts’ views relating to RGA’s financial performance and the performance of the listed shares on the investor relations page. Analysts’ views that are made accessible on the Site are not necessarily shared nor endorsed by RGA and RGA does not confirm the content of analysts’ views by placing them on the Site. RGA does not undertake to and is under no obligation to verify the content of the analysts’ views posted on the Site; they are available for informational purposes only. The liability of RGA, if any, for the accuracy or completeness of those analysts’ views made accessible on the site shall be excluded to the extent permitted by applicable law.
Violations of Rules and Regulations
Passwords used to access any features for this Site (if any) are for individual use only. You will be responsible for the security of your password. RGA will be entitled to monitor your password and, at their discretion, require you to change it. If you use a password that RGA considers insecure, RGA will be entitled to require the password to be changed and/or terminate your account.
You agree that RGA shall not be responsible for damages or losses resulting from any breach of security caused by your failure to maintain the confidentiality of your password. If you permit access to your password by third parties, then you agree to defend, indemnify and hold RGA harmless against any liability, losses, damages, or costs and expenses (including attorneys' fees) arising out of, or resulting from, such access and related use of this Site. RGA reserves the right to block access to this Site for any reason. You also agree to immediately notify RGA if you:
- become aware of any loss or theft of your password, or
- become aware of any unauthorized use of your password.
Finally you acknowledge and agree that you will not: (i) collect or store 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 RGA.
For your protection, RGA 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 the information transmitted. 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. RGA 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 RGA, assume the entire cost of all necessary servicing, repair, or correction related to computer viruses.
BY ACCEPTING THESE TERMS YOU WAIVE AND HOLD HARMLESS RGA AND ITS SUBSIDIARIES FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY RGA DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER RGA OR LAW ENFORCEMENT AUTHORITIES.
Equal Employment Opportunity (EEO)
RGA is committed to protecting its Associates and qualified applicants against discrimination on the basis of age, color, creed, disability, marital status, national or ethnic origin, citizenship, race, religion, veteran status, socio-economic background, gender, sexual orientation, genetic information, gender identity or expression, and/or any other basis protected under federal, state, and local laws. Our policy is to seek out and employ qualified people at all Company locations, to provide all Associates equal opportunity based on merit, and to administer these and all employment-related activities in a non-discriminatory manner.
The Company’s equal employment commitment applies to all aspects of the employment relationship, including, but not limited to, advertising, recruitment, hiring, placement, compensation, benefits, training, promotion, working conditions, transfer or termination. Furthermore, RGA does not discriminate against qualified disabled persons or disabled veterans because of physical and mental disabilities.
RGA complies with all federal, state, and local EEO laws and strives to promote a positive workplace free from unlawful discrimination and harassment. Retaliation is prohibited against any Associate who files a complaint of discrimination, participates in a covered proceeding or otherwise opposes discrimination under applicable federal laws.
Last updated: March 2013
© 2013 Reinsurance Group of America, Incorporated
All rights reserved.