Terms & Conditions 

This site www.clearspringlife.com (“Site”) is owned and operated by Clear Spring Life and Annuity Company (“Clear Spring Life”). Clear Spring Life is a Delaware-domiciled life insurance company that is a subsidiary of Group 1001 Insurance Holdings, LLC, which, along with its affiliates, does business under the name, Group 1001. You may use this site only if you agree, without modification, to these Terms and Conditions of use (“Terms”). Please read the Terms carefully before continuing.  If you do not agree to these Terms, you must leave the Site.
 

By accessing this site you signify your understanding and acceptance of our Terms. You may use your browser to download or print out a copy of these Terms for you records. 
 

The information provided on this site or in any communication containing a link to this site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or that would subject Clear Spring Life to any registration requirement within such jurisdiction or country. Neither this information nor any opinion contained on this site constitutes a solicitation, recommendation or offer by Clear Spring Life to purchase or sell any insurance or annuity product. Except as expressly authorized herein you may not reproduce, transmit, sell, display, distribute, publish, broadcast, circulate, modify, disseminate, or commercially exploit any information on this site.
 

The information on this site is provided “as is.” Clear Spring Life does not warrant the accuracy of the information provided herein, or on any site accessed from this site through a hypertext link, either expressly or impliedly, for any particular purpose and expressly disclaims any warranties of merchantability or fitness for a particular purpose. Clear Spring Life shall not be responsible for any loss or damage that results from interception by third-party of any information made available to you via this site. Although the information provided to you on this site is obtained or compiled from sources we believe to be reliable, Clear Spring Life cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. CLEAR SPRING LIFE ALSO MAKES NO GUARANTEE AS TO THE ACCURACY, VALIDITY, TIMELINESS, OR COMPLETENESS OF ANY INFORMATION ON ANY SITE TO WHICH YOU GAIN ACCESS THROUGH A HYPERTEXT OR OTHER LINK FROM THIS SITE.

 Neither Clear Spring Life nor any of its directors, members, officers or employees, or any third-party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this site, or that results from the act or omission of any other party involved in making or maintaining this site or the data contained herein available to you, or from any other cause relating to your access to, inability to access, or use of the site or any materials included on this site, whether or not the circumstances giving rise to such cause may have been within the control of Clear Spring Life or of any vendor providing software or services support. Clear Spring Life and its directors, members, officers, employees, and third-party vendors also shall have no liability or responsibility of any kind for any loss or damage that you incur as a result of any information contained on any Web pages or site maintained by any third-party that you access through a hypertext link contained on this site. In no event shall Clear Spring Life or any such parties be liable to you for any direct, special, indirect, consequential, or incidental damages or any other damages of any kind even if Clear Spring Life or any other party has been advised of the possibility thereof.
 

You may access from this site other Web sites hosted by third-party. Should you leave this site via a hypertext link contained herein, you do so at your own risk. The content to which you link will not have been developed, checked for accuracy, or otherwise reviewed by Clear Spring Life. Clear Spring Life is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided by any other third-party on external Web pages or sites, whether such damages or losses are actual, alleged, consequential or punitive.
 

All copyrights and intellectual property rights to materials on the site belong to or are licensed to Clear Spring Life or its affiliates. If you download any information or software from this site, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.
 

Users of this Web site shall be bound by all applicable Federal laws of the United States of America and the laws of the State of Delaware, as well as any applicable laws of the State in which a User may reside or purchase any insurance or annuity product from Clear Spring Life.
 

The appropriate Federal or State court shall have exclusive jurisdiction for any action or dispute arising out of this agreement or website.
 

If any of these Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Terms will remain in effect.
 

Clear Spring Life reserves the right, at its discretion, to change these Terms and the contents of this site at any time and without notice. We suggest that you review these Terms periodically for changes. The Terms can be accessed from links on the home page and other pages of the site. If you use this site after we post changes to these Terms, you accept the changed terms. Clear Spring Life may also offer other services from time to time that are governed by different terms and conditions.
 

Clear Spring Life expressly reserves the right to monitor any and all use of this site. Clear Spring Life is under no obligation to do so and assumes no responsibility or liability arising from the use of this site.
 

For information on how Clear Spring Life uses and protects the personal information you may provide on this site, please click on the link to “Privacy Policy” to access explanations of Clear Spring Life’s Internet privacy policy and security measures. You may not use this site to collect or harvest personal information about other persons or otherwise use the site in a manner that is inconsistent with their privacy or personal data protection rights.
 

As a condition of use of this site, you agree to indemnify Clear Spring Life from and against any and all actions, claims, losses, damages, liabilities and expenses (including reasonable attorneys' fees) arising from your use of this site, including without limitations any claims alleging facts that if true would constitute a breach by you of these Terms.