Legal information about using the FullscopeRMS website in the United States

Conditions of Use

Please read the following Conditions of Use carefully before using this and any other FullscopeRMS web site, including its Interactive Web Services (collectively referred to as the "Web Sites"). The Conditions of Use apply to all FullscopeRMS Web Sites and Interactive Web Services. You should review the Conditions of Use regularly as they may change at any time. References to "Web Sites" and "Sites" mean both the singular and plural of these terms. References to "you" or "your" shall mean the person authorized to access and use FullscopeRMS's Web Sites and Interactive Web Services. References to "we", "us" or "our" shall mean FullscopeRMS.

General

Nothing in the Web Sites constitutes an offer to buy or sell products or services of FullscopeRMS. All products and services are subject to the terms and conditions of any applicable agreements.

Our products and services are available only in jurisdictions where they may be lawfully offered for sale. Not all products and services are available in all geographical regions. The information presented in the Web Sites is intended for use only in the United States

The Web Sites are not intended to provide you with any personalized financial, accounting, tax, legal and/or market advice (including, without limitation, advice regarding the suitability or profitability of a security or investment). The Web Sites should not be used as a substitute for personal advice from an appropriate professional advisor. If you require advice, please consult with your own advisors.

The information provided on and through the Web Sites is believed to be reliable when posted. However, we cannot guarantee that information will be accurate, complete and current at all times. All information on the Web Sites is subject to modification from time to time without notice. No information based upon the opinions expressed in any web-based presentation can be guaranteed.

We will make every reasonable effort to provide you access to the Web Sites. However, there will be occasions when the Web Sites will be unavailable for use or times when we find it necessary to shut down our Web Sites for a period of time for maintenance, updates and other reasonable adjustments.

Third-party web sites accessed by hypertext links appearing on FullscopeRMS's Web Sites may have been independently developed by others. We do not guarantee the accuracy of any information in these other sites. The listing of an organization not affiliated with FullscopeRMS the Web Sites should not be interpreted as an endorsement of its services or products by FullscopeRMS. FullscopeRMS disclaims any and all responsibility and liability for the accuracy, content, completeness, legality, reliability or operability of said links or the services and resources therein. Any concerns regarding any such service or resource should be directed to the particular service or resource.

FullscopeRMS reserves the right to change the terms of use of its Web Sites and Interactive Web Services or discontinue them at any time upon notice to you. Notice may be given to you in writing, by e-mail or by posting such notice on our Web Site. You agree that FullscopeRMS may immediately terminate your access to the Interactive Web Services (as described below) if you violate any of these Conditions of Use.

Your use of the Web Sites shall be entirely at your risk. FullscopeRMS will not be responsible in any manner for any harm, loss or damage, however caused, arising out of your use of the Web Sites, including direct, indirect, special, third party or consequential damages. We will not be responsible for any detrimental reliance that you may place upon the Web Sites or its contents.

OUR WEB SITES AND INTERACTIVE WEB SERVICES ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MECHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND THE WARRANTY AGAINST INFRINGEMENT WITH RESPECT TO THE INFORMATION PROVIDED AND THE USE OF THIS SERVICE. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

If any provision is these Conditions of Use are held invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. The laws of the Commonwealth of Massachusetts and the applicable laws of the United States shall govern your use of the Web Sites. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Commonwealth of Massachusetts in any action or proceeding related to your use of the Web Sites.

Online Information

The information gathered and retained by us from your use of the Web Sites will only be used by FullscopeRMS. Your activity on the Web Sites will not result in you being added to a mailing list, unless you specifically request us to do so. We will not provide or sell any information about you to unpermitted third parties. No sales person will call you unless you specifically request it. Please see our Privacy Policy for more information on security and privacy matters regarding the use of the Web Sites and Interactive Web Services. Our Privacy Policy can be accessed here.

It is important to keep in mind, however, that the Internet is not a totally secure medium of communication. For this reason, we cannot guarantee the privacy of any information you input on the Web Sites or send to us on the Internet. FullscopeRMS will not be responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information sent over the Internet.

If you have questions about this policy, please contact us.

Copyright

The contents of the Web Sites are protected by copyright. Except as may otherwise be provided herein, users of FullscopeRMS's Web Sites shall be entitled to copy information for their own non-commercial personal use but may not republish or reproduce any part without the prior written permission of the applicable FullscopeRMS company. Republishing and reproducing includes any uploading, downloading or accessing the information on our Web Sites onto the Internet or any other local or international computer system. An acknowledgement of the source must be included whenever our materials are copied or published. If you require further information on the uses that you may make of the information on the Web Sites or if you wish to obtain a license to reproduce or republish any material on the Web Sites, please contact us.

Any infringement of our rights will result in appropriate legal action. FullscopeRMS disclaims any and all liability which may result from any unauthorized reproduction or use of the information on the Web Sites.

Trademarks and Service Marks

All trademarks and service marks used on the Web Sites or in connection with the goods and services mentioned on the Web Sites are registered trademarks or service marks of FullscopeRMS.

Questions

If you have questions about this Legal Notice, please contact us.

FullscopeRMS is the brand name for services offered through Disability Reinsurance Management Services, Inc. a member of the Sun Life Financial group of companies.