TERMS OF USE

The term Company refers to American National Insurance Company, American National Insurance Company of Texas, or Standard Life Insurance Company.

1. Limitation of Liability.
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. THE COMPANY 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. THE COMPANY 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 THE COMPANY) 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 the Company 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 the Company or a representative authorized by the Company 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 the Company.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.

2. Links To Third Party Web Sites.
If you use any links provided in the Site to Web sites not owned, maintained nor hosted by the Company ("Off-sites"), you will leave the Site. The Company 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 the Company takes no responsibility for such sites. A link to a service or Web site outside of the Site is not an endorsement of the service or the Web site, its content, or its sponsoring organization.

3. Use of the Site.
This Web Site is owned and operated by the Company. No materials found on the "Inforce Policy Inquiry" portion of this Web Site may be reproduced, republished, uploaded, posted, transmitted, distributed or printed in any way. You may access material on this Web Site for business 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 Web Site for public or commercial purposes, including text, images, audio or video without the Company's prior written permission. The Company neither warrants nor represents that your use of materials displayed on the Web Site will not infringe rights of third parties not owned by or affiliated with the Company.

4. 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. All insurance and/or securities transactions are conducted based on signed written agreements between the Company and its customers, and the terms of those agreements are binding on the parties. No other representation, whether made in person, online, electronically, in written, graphical, or verbal communication, may alter the terms of those agreements except that your use of the Site constitutes your agreement to the additional Terms of Use applicable to such use. By using the Site, you accept at your own risk that the Internet and online communications medium may not perform as intended.

5. Trademarks, Service Marks and Copyrights.
Unless otherwise specifically noted, images, trademarks, service marks, logos and icons displayed on the Site are the property of the Company and may not be used without the Company 's prior written consent. Any unauthorized use of the images may violate copyright laws, trademark laws, privacy and publicity laws and communications regulations and statutes.

To view the Site's Privacy Policy, visit Privacy Policy

Your use of this Site constitutes your agreement to the Company 's privacy policy and terms of use, as updated from time to time.