Legal notes

Welcome to the Allianz Web site ("this Web site"). Allianz Life Insurance Company of New York operates this Web site to provide financial information and related features and services (the "Services"). The terms and conditions set forth herein (the "Terms of Use") constitute a legally binding agreement between the Company and you regarding the terms on which the Company offers you access to the Services.

Business in New York is conducted by Allianz Life Insurance Company of New York.

Please take a few minutes to review the Terms of Use. By accessing and using this Web site, you agree to be bound by each of the Terms of Use and all applicable laws and regulations governing this Web site. If you do not agree with each of the Terms of Use, you are not authorized to access or use this Web site for any purpose.

Contents not intended for distribution or use where prohibited

The information provided on this Web 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 which would subject the Company or its affiliates to any registration requirement within such jurisdiction or country. Neither the information nor any opinion contained in this Web site constitutes a solicitation or offer by the Company or its affiliates to buy or sell any securities, futures, options or other financial instruments or provide any investment advice or service.

These Terms of Use may change without prior notice

The Company reserves the right to modify these Terms of Use at any time without providing prior notice. Your use of this Web site following any such modification constitutes your agreement to follow and be bound by the Terms of Use as modified. For this reason, we encourage you to review these Terms of Use whenever you use this Web site. The latest revision date of these Terms of Use is set forth below.

Notices of restrictions on your use

The Services, this Web site, and all data and information and/or content (the "Content") that you see, hear or otherwise experience on this Web site belongs to the Company, its partners, affiliates, contributors and/or third parties and may be protected by U.S. and international copyright, trademark, intellectual property and other laws. Content provided by third parties is used on this Web site with the permission of such third parties.

You may download, print and store selected portions of the Content, provided that, except as expressly authorized by Allianz, you (1) do not copy or post the Content on any network computer or transmit, distribute, publish or broadcast the Content in any media, including without limitation, a Web site; and (2) do not modify or alter the Content in any way, or delete or change any copyright or trademark notice. No right, title or interest in any copied or downloaded Content is transferred to you as a result of any such copying or downloading. The Company reserves complete title and full intellectual property rights in any Content you copy or download from this Web site.

You agree not to alter, modify, reformat, copy, download, reproduce, duplicate, display, distribute, repost, transmit, publish, license, sell, rent, transfer, or create derivative works from any Content obtained from this Web site or the Service, except as expressly authorized with written permission from Allianz. In addition, use of the Content or materials for any purpose not expressly permitted in these Terms of Use is prohibited. Moreover, you may not use any of the marks appearing throughout this Web site without express written consent from the trademark owner, except as permitted by applicable law.

Disclaimer of warranties

THE INFORMATION ON THIS WEB SITE IS PROVIDED "AS IS." YOU EXPRESSLY AGREE TO ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS WEB SITE AND THE SERVICES. THE COMPANY MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER IN REGARDS TO THIS WEB SITE OR THE SERVICES. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NONINFRINGEMENT, WITH REGARD TO THIS WEB SITE, THE SERVICES, OR ANY CONTENT CONTAINED THEREIN (INCLUDING THIRD PARTY INFORMATION).

THE COMPANY SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY USE OF THIS WEB SITE, THE SERVICES OR ANY CONTENT CONTAINED THEREIN (INCLUDING THIRD PARTY INFORMATION). IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS, AND USEFULNESS OF ALL CONTENT PROVIDED BY THIS WEB SITE OR THE SERVICES.

THE COMPANY DOES NOT WARRANT THAT THE FUNCTIONS PERFORMED BY THIS WEB SITE OR THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS IN THIS WEB SITE OR THE SERVICES WILL BE CORRECTED. THE COMPANY DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE CONTENT PROVIDED BY THIS WEB SITE OR THE SERVICES, OR THAT ANY ERRORS IN THE CONTENT WILL BE CORRECTED. THIS WEB SITE, THE SERVICES AND THE CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

Limitation of liability

IF YOU ARE DISSATISFIED WITH THIS WEB SITE, THE SERVICES, OR ANY OF THE CONTENT ON THIS WEB SITE, OR WITH THE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THIS WEB SITE. YOU ACKNOWLEDGE, BY YOUR USE OF THIS WEB SITE, THAT YOUR USE OF THIS WEB SITE IS AT YOUR SOLE RISK.

YOU UNDERSTAND AND AGREE THAT UNDER NO CIRCUMSTANCES WILL THE COMPANY BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO, (I) ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR INDIRECT DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF DATA, PROGRAMS OR INFORMATION, AND THE LIKE) ARISING OUT OF THE USE OF, OR INABILITY TO USE, THIS WEB SITE, THE SERVICES, OR THE INFORMATION OR CONTENT PROVIDED THEREIN, (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THIS WEB SITE, THE SERVICES AND/OR THE CONTENT CONTAINED THEREIN OR DOWNLOADED THROUGH THIS WEB SITE, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, (IV) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THIS WEB SITE OR THE SERVICES, OR (V) ANY OTHER MATTER RELATING TO THIS WEB SITE OR THE SERVICES, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH STATES, THE COMPANY'S LIABILITY IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW.

Personal information and Privacy Policy

Read the Allianz Privacy Policy.

User conduct

You agree to not take any action that: (i) interferes with the proper working of this Web site; (ii) imposes an unreasonable or disproportionately large load on this Web site's infrastructure; (iii) might compromise the security of this Web site; (iv) renders this Web site or the Services inaccessible to others; (v) otherwise causes damage to this Web site or any Content contained on this Web site. You agree to not add to, subtract from, or otherwise modify the Content on this Web site except as expressly authorized by the Company in these Terms of Use or by a written agreement between you and the Company.

General provisions

Entire agreement

These Terms of Use constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. No waiver by the Company of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

Correction of errors and inaccuracies

The Content in this Web site may contain typographical errors or other errors or inaccuracies and may not be complete or current. We therefore reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice. We do not, however, guarantee that any errors, inaccuracies or omissions will be corrected.

No endorsements of links

Hypertext links to third-party Web sites or information do not constitute or imply an endorsement, sponsorship, or recommendation by the Company of the third party, the third-party Web site, or the information contained therein. You acknowledge and agree that the Company is not responsible for the availability of any such Web sites and that the Company does not endorse or warrant, and is not responsible or liable for, any such Web site or the content therein. Any links to other sites are provided for convenience only. You need to make your own decisions regarding your interactions or communications with any other Web site.

Enforcement

If any part of these Terms of Use is determined to be invalid or unenforceable, it will not impact any other provision of these Terms of Use, all of which will remain in force and in full effect. These Terms of Use are governed by, and will be interpreted in accordance with, the laws of the State of Minnesota, without regard to any conflict of law provisions. Although you acknowledge that the Company will have the ability to enforce our rights in any court of competent jurisdiction, you hereby consent to the exclusive jurisdiction and venue of courts in Hennepin County and Ramsey County, Minnesota, U.S.A., regarding any and all disputes relating to these Terms of Use, the Company's Privacy Statement, your use of this Web site, any other Web site, the Services, or Content or Material contained therein.

General contact information

If you have any questions about these Terms of Use, the practices of this Web site, or your dealings with this Web site, you may contact us by sending a letter via the U.S. mail to:

Allianz
5701 Golden Hills Drive
Minneapolis, MN 55416-1297