This website ("Site") is provided by American Brokerage Network. By using this Site or downloading materials from the Site, you agree to abide by the terms and conditions set forth in this Privacy Policy, Terms of Use & Legal Information section ("Policy"). If you do not agree to abide by these terms and conditions, do not use the Site or download materials from the Site. American Brokerage Network may at any time revise this Policy by updating the Site. You are bound by any such revisions and should therefore periodically visit this page to review the then current Policy.

 

Any questions, suggestions or concerns that you have regarding American Brokerage Network or this Site should be sent to: info@abnlife.com. 

 

PRIVACY POLICY 
American Brokerage Network has an established “Privacy Policy” for this Site.

Definitions 
"Personal Data" is personal and/or confidential information that relates to you and your account, policy, contract or affiliation with American Brokerage Network. 

"Communications" are any non-confidential and non-proprietary communications information, except for Personal Data, that you transmit to the Site by electronic mail or otherwise, including data, questions, comments and/or suggestions. 

"Personal Information" is any Communication where you knowingly enter your personal information such as your name, address, social security number, or telephone number. 

"Non-Personal Information" is any Communication derived from your connection to the Site, such as your Internet browser, domain name and referrer link. 

All Communications, except for Personal Data and Personal Information, will be treated as non-confidential and non-proprietary, will become the property of American Brokerage Network and may be used for the purposes described herein. 

What Information Is Collected 
In general, you can visit the Site while remaining anonymous by not providing any Personal Information. In some cases, Non-Personal Information may be automatically collected, such as your Internet Browser, computer operating system, domain name of your Internet service provider and/or the website from which you linked to our Site. 

Personal Information about you (e.g., your name, address, telephone number, social security number, and/or email address) will not be collected unless you provide it to us voluntarily. For example, American Brokerage Network retains e-mail addresses of visitors who respond the Site's e-mail forms, online forms, registration forms and surveys and contest entries. American Brokerage Network also retains information about the frequency of Site visits, length of time of the visit and aggregate information on which Site page visitors access. 

American Brokerage Network sends Internet visitors "Cookies." A Cookie is a small data file sent by the Site to your browser, which may then be stored on your hard drive. American Brokerage Network’s Cookie enables the Site to recognize you if you have an American Brokerage Network account or have utilized certain Site features. In addition, the Cookie may recall information so that you do not have to re-submit 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 or delete them. Please note that you must have cookies enabled in your browser software to be able to log in to the website. 

American Brokerage Network will primarily use Communications to respond to your request(s). American Brokerage Network may use Personal Information for feedback purposes, marketing and promotional purposes and for a statistical analysis of users' behavior. Furthermore, American Brokerage Network retains the right to use ideas, concepts, know-how or techniques contained in any Communications you send to the Site for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. Non-Personal Information may be aggregated for internal review and used to improve the Site's content and its structure. This information will be discarded. 

American Brokerage Network does not distribute Personal Data, Personal Information or Communications to unaffiliated third parties unless such third parties are under contract with American Brokerage Network for administrative support and services. American Brokerage Network will not voluntarily share, rent, sell or otherwise disclose information obtained from visitors to the Site (whether Personal Data, Personal Information or Communications) to unaffiliated third parties, unless American Brokerage Network has contracted with such third parties to provide administrative support and services. In such an event, we will contractually require these service providers to protect such information and provide the same level of confidentiality that American Brokerage Network provides. 

When you choose not to provide Personal Information, we may not be able to respond to your request. You may receive an error message displayed on your browser. 

 

INFORMATION SHARED WITH AMERICAN BROKERAGE NETWORK
Inherent in the use of the internet and internet-related technologies is some risk of disclosure of information, including without limitation, personal data you supply. Your use of the site and your entry of information is at your own risk. American Brokerage Network cannot accept responsibility and expressly disclaims all liability for damage or injury that you may incur or that may result from your use of the site or the interception of information you provide, including without limitation, personal data, by a third party.

LIMITATION OF LIABILITY
The material on the Site is provided for informational purposes only. It does not, and is not intended to, provide any financial, insurance, legal, accounting, tax or other professional advice, and should not be relied upon by you in that regard. It is not a substitute for professional advice from a competent, independent advisor in your jurisdiction. 

The site and its content is provided "as is" and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties of merchantability or fitness for a particular purpose. American Brokerage Network does not warrant that use of the site will be uninterrupted or error-free, that defects, if any, will be corrected, or that either the site or the server that makes it available to you is free of viruses, disabling devices or other harmful components. American Brokerage Network does not warrant or make any representations regarding the use or the results of the use of the materials on the site in terms of their correctness, accuracy, reliability or otherwise. You (and not American Brokerage Network) assume the entire cost of all necessary servicing, repair or correction related to any damage, harm, injury or malfunction associated with your use of the site and/or its contents.

 

Under no circumstances, including but not limited to negligence by act or omission, shall American Brokerage Network or any party involved in creating, producing or delivering the Site, be liable for any direct, incidental, consequential, indirect or punitive damages that result from the use of, or the inability to use the materials on the Site, even if American Brokerage Network or a representative authorized by American Brokerage Network 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, however, shall American Brokerage Network’s total liability to you for all damages, losses and causes of action exceed the amount paid by you, if any, for accessing the Site. 

LINKS TO THIRD PARTY WEBSITES 

If you use any links provided in the Site to websites not owned, maintained nor hosted by American Brokerage Network ("Off-sites"), you will leave the Site. American Brokerage Network is not responsible for any Off-site's privacy policies or terms of use. No judgment or warranty is made with respect to the accuracy, timeliness or suitability of the content of any Off-sites, and American Brokerage Network takes no responsibility for such sites. A link to a service or website outside of the Site is not an endorsement of the service or the website, its content or its sponsoring organization. 

USE OF THE SITE 
The Site is owned and operated by American Brokerage Network. No materials found on the Site or any other site owned, operated or licensed by American Brokerage Network may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way without the prior written permission of American Brokerage Network. You may access material on the Site for non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost or use the content of the Site for public or commercial purposes, including the text, images, audio or video without American Brokerage Network’s prior written permission. American Brokerage Network neither warrants nor represents that your use of materials displayed on the Site will not infringe rights of third parties not owned by or affiliated with American Brokerage Network. 

JURISDICTIONAL ISSUES
The information contained on the Site is not an offer to sell or a solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products may not be available in all states. Your use of this Site, and its Privacy Policy, Terms of Use & Legal Information shall be construed and controlled by the laws of the State of California. Further, any dispute arising from your use of this Site, or its Privacy Policy, Terms of Use & Legal Information, or a breach thereof, shall be governed by the laws of the State of California. By accessing this Site, you agree to personal jurisdiction by the state and federal courts sitting in the State of California. 

CALCULATOR DATA
Neither the online calculators nor their use are intended to supply advice of any type, including, without limitation, investment or tax advice. Although the services may contain information, e.g., data regarding retirement investing, such information is intended to be educational in nature, and does not constitute an endorsement or recommendation of any security or investment program, service or the suitability thereof for you. The information provided in the online calculators is not intended to supply professional tax, accounting, financial or legal advice, for which you should seek a personal consultation with a professional provider of such services. American Brokerage Network does not offer legal or tax advice. 

 

IMPORTANT CONSUMER INFORMATION
(1) A broker-dealer, investment advisor, BD agent or IA rep may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if they are excluded or exempted from the state's broker-dealer, investment advisor, BD agent or IA rep requirements, as the case may be; and (2) Follow-up, individualized responses to consumers in a particular state by broker-dealer, investment advisor, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's broker-dealer, investment advisor, BD agent or IA rep requirements or pursuant to an applicable state exemption or exclusion. (3) For information concerning the licensure status or disciplinary history of a broker-dealer, investment advisor, BD agent or IA rep, a consumer should contact his or her state securities law administrator.