Legal Notices And Disclaimer

Web Site Usage Agreement Terms And Conditions

This page sets forth the terms and conditions under which AXA Insurance Company (or "we") provides the information on this web site, as well as the terms and conditions governing your use of this site. By making use of this web site, you agree to be bound by the terms and conditions that appear here.

Laws and Regulations

Access to and use of this web site are subject to applicable federal, state and local laws and regulations.

Copyright

All of the information on this web site, including all text, graphics, software applications, video and audio files and photos (collectively, "Information"), and all rights in the pages and the screens displaying the pages are owned by AXA Insurance Company or AXA affiliated entities ("AXA Group") or their licensors, protected by copyright under United States and foreign laws. You may not modify, reproduce, copy, distribute, transmit, display, publish, sell, license, create derivative works of or use any aspect of the web site or its Information for commercial or public purposes or on any other web site or in a networked computer environment or engage in any other redistribution or re-publication of the Information. You may create a text link to the home page of our web site for legitimate business reasons on the condition that it is clear to the users that they are exiting your site and entering a new site, you do not frame or in-line our web site or its Information, and you do not create a false association or endorsement or otherwise misrepresent your relationship with AXA Insurance Company or AXA affiliated entities.

Trademarks

Trademarks, service marks, trade names, logos, URLs, domain names and icons ("Marks") appearing on this site, whether registered or not, are owned by AXA Group. Nothing on this web site grants you any right or license to use any of the Marks without the express written permission of AXA Group.

Hypertext Links To Third Party Sites

As a convenience to you, we may provide links to third party web sites, or permit third parties to link to this web site. Because these other web sites are not under our control, we cannot guarantee the quality, accuracy, timeliness or security of those web sites. A link to or from another web site does not imply an affiliation between us and the third party site owner or an endorsement of the third party site or any products or services that it describes. Your access to and use of any other Internet sites linked to or from this web site is at your own risk and we assume no obligation or liability in connection therewith. We may disable a link at any time and will remove any link from this web site at the third party site owner's request.

Products and Services - Disclaimer

None of the information contained in this web site should be viewed as an offer to sell or as a solicitation to purchase any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products AXA Insurance Company offers. We may make improvements and/or changes in the products, services and/or programs described on this site at any time without notice.

Insurance coverage statements on this web site are for general description purposes only. This web site does not amend, modify or supplement any insurance policy. Consult the actual policy or contact your broker who can supply you with details regarding terms, conditions, coverages, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to final determination of underwriting qualifications and acceptance by AXA Insurance Company.

Further, this web site does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any such policy. Whether coverage exists or does not exist for any particular claim or loss under any such policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Variations in state law regarding the interpretation of insurance policies may exist, and any statements of coverage scope or intent in this summary are general in nature and are subject to change based on such variations. Availability of coverage referenced in this summary may be dependent upon state regulations.

Disclaimer of Warranty

AXA Insurance Company specifically disclaims all warranties with respect to this web site or your use thereof. All information on the web site, including but not limited to graphics, text and links to other sites, is provided "as is" and "as available" and may be changed without prior notice. We do not warrant the content, quality, condition, accuracy, adequacy or completeness of this information. Other than as required by applicable laws, in no event will AXA Insurance Company be liable for errors or omissions in this information or for any losses or damages, direct, indirect, incidental, special or consequential resulting from your use or misuse of, or reliance on, any such information. The information is provided without warranty of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or similar disabling devices. You are responsible for evaluating the accuracy, completeness or usefulness of any information, advice or other content available on this web site AXA Insurance Company expressly disclaims any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, special, incidental or consequential damages, losses or expenses arising in connection with your use of or inability to use this site or any other web site linked to this site, or in connection with any failure of performance, error, omission, interruption, virus, defect, or delay in operation or transmission, even if we are aware.

Use of Cookies

When you visit our web site, you may see that we use "cookies" in interacting with your web browser. A "cookie" is a piece of information that a website transfers to your computer hard drive for recordkeeping purposes. The cookie cannot be read by a web site other than the one that set the cookie. We use cookies for a number of administrative purposes; for example, to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our web site. Most cookies last only through a single session, or web site visit. None will contain information that will enable anyone to contact you via telephone, e-mail, or any other means. You can set up your Web browser to inform you when cookies are set or to prevent cookies from being set.

International Users & Choice of Law

This web site is controlled and operated by AXA Insurance Company from offices within the United States of America. We make no representation that materials at this web site are appropriate or available for use at other Filenames outside of the United States or that access to the content from all territories is legal. You may not use the web site or export the web site materials in violation of U.S. export laws and regulations. If you access this web site from locations outside of the United States, you are responsible for compliance with all local laws. This Agreement shall be governed by the laws of the United States and of the State of New York, without giving effect to its conflict of laws provisions. This Agreement constitutes the entire agreement between you and AXA Insurance Company with respect to your use of the web site.