Legal Terms and Conditions for use of the MyConfidentFuture.com Web Site

Please read the following terms of use carefully before using the Lincoln National Corporation web site or any functionality contained herein. By using this site, you signify that you agree to these terms of use. If you do not agree to these terms of use, please do not use this site.

The information, text, graphics and links provided herein are provided by Lincoln National Corporation and its family of companies as a convenience to you.

Lincoln Financial Group ("LFG") is the marketing name for Lincoln National Corporation and its family of companies. LFG will use reasonable efforts to include accurate and up-to-date information on this site. You agree to use this site at your own risk. We try to make the site as accurate as possible. LFG, however, does not warrant and cannot guarantee the accuracy or completeness of the information, text, graphics, links, and other items contained on this site or any other site. Information provided on this site is for informational purposes only; it is not our position to offer legal or tax advice. If you take any action based on the information provided on this site, you take full responsibility for the results of that action. Furthermore, any product references are not meant to be a solicitation, but rather, provide information, as everyone's situation is unique.

LFG does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that make it available are free of viruses or other harmful components.

NEITHER LFG NOR ANY THIRD PARTY MAKE ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, ABOUT THE SUITABILITY OF THIS SITE FOR ANY PURPOSE, OR WITH RESPECT TO ANY RESULTS OBTAINED FROM ANY ELECTRONIC SERVICES, PROGRAMS OR PRODUCTS ACCESSED VIA THIS SITE. THE CONTENTS OF THIS SITE ARE PROVIDED "AS IS" WITHOUT EXPRESS OR IMPLIED WARRANTY. IN NO EVENT WILL LFG OR ANY THIRD PARTY BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY NATURE INCLUDING BUT NOT LIMITED TO LOSS OF USE, LOSS OF DATA OR LOSS OF PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGE, OR BASED UPON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OR DEFECT IN THIS SITE. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

This site could include technical inaccuracies or typographical errors. Changes are periodically added to the information herein. LFG may make improvements and/or changes in the product(s) and/or the program(s) described on this site at any time.

This site is owned by LFG. No material from MyConfidentFuture.com or any web site owned, operated, licensed or controlled by LFG may be copied, modified, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except for the following: you may copy, save or print the materials on any single computer for your personal, noncommercial home use and information, provided you keep intact all copyright and other proprietary notices. Modification of the materials or use of the materials for any other purpose is a violation of LFG's copyright and other proprietary rights. The use of any such material on any other web site or networked computer environment is prohibited.

LFG welcomes your comments regarding our web site. While we do value your feedback, we ask that you not submit to us any suggestions, materials, ideas or creative concepts for new, modified or different products or services via this web site. LFG requests this in order to avoid confusion in the future regarding the origin of the concept, product or service.

If you send us creative suggestions, ideas, concepts or other information (collectively, the "Information"), such Information shall be deemed by LFG to be, and shall remain, the property of LFG. None of the Information shall be subject to any obligation of confidence on the part of LFG and LFG shall not be liable for any use or disclosure of any Information. Without limiting the foregoing, LFG shall exclusively own all rights to the Information of every kind and nature and shall be entitled to unrestricted use of the Information for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Information.

Unless otherwise specified, the materials in the site are presented solely for the purpose of educating the user about the products and services of LFG. This site is controlled by LFG from its offices within the State of Indiana, United States of America. LFG makes no representation that any or all of the materials in the site are appropriate or available for sale in any or all locations. Not all products and services described are available in all states of the U.S. or the world. Those who choose to access this site do so of their own initiative and are responsible for compliance with state, local and foreign laws, if and to the extent such laws are applicable.

This agreement shall be governed by and construed in accordance with the laws of the State of Indiana, without giving effect to any principles of conflicts of law. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the subject matter herein. LFG may modify the contents of this agreement at any time in its sole discretion.

Unless otherwise indicated, all trademarks, service marks, and trade names are proprietary for Lincoln National Corporation or one of its affiliates or subsidiaries. Lincoln National Corporation enforces its intellectual property rights.