Please carefully read this notice before you use this Web site. This Web site is provided by Pacific Life Insurance Company (Pacific Life) and may be used for informational purposes only. By using this Web site, or downloading materials from it, you agree to abide by the following terms and conditions. If you do not agree with the following conditions of use, please exit this Web site.

Web Site Content

Pacific Life Insurance Company (“Pacific Life”) and its subsidiaries and affiliates created this Web site to be used by the general public and our investors. The Web site does not, and it is not intended to, provide any financial, legal, accounting, or tax advice, and must not be relied upon by you in that regard. The Web site should not be used, or relied upon by you, as a substitute for your independent research or consultation with your own financial, legal or tax advisors.

The information, text, graphics and links provided in this Web site are provided by Pacific Life as a convenience to you. Pacific Life will use reasonable efforts to include accurate and up-to-date information. However, due to the nature of the Internet, Pacific Life does not warrant and cannot guarantee the accuracy, completeness or authenticity of the information contained in this Web site, or the information, text, graphics, links, Web site functionality, and other items contained on this server or its suitability for any purpose.

Pacific Life does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Web site or the server that makes it available is free of viruses or other harmful components as such information is received by you because Pacific Life cannot control the transmission of information over this medium. Pacific Life does not warrant or make any representations regarding the use of, or the results of the use of, the materials on this site, or your transmission of any software, data or information from the Web site to you.

Information provided on this Web site is believed to be reliable when posted. However, we cannot guarantee that information will be accurate, complete and current at all times. This Web site could include technical inaccuracies or typographical errors. Pacific Life will from time to time revise the information, products and services described in this Web site, and reserves the right to make such changes without notice.

Liability

The use of this Web site is entirely at your risk. The materials and information in this Web site (including text, graphics, and functionality) are presented without express or implied warranties of any kind and are provided “as is”. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided.

Pacific Life intends for the information contained in this Web site to be accurate and reliable. However, errors sometimes occur. Therefore, Pacific Life and its related, affiliated and subsidiary companies to the full extent permitted by applicable laws disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose as to any matter whatsoever relating to this Web site or the information contained herein.

To the full extent permitted by applicable laws, in no event shall Pacific Life, its agents, employees, directors, officers and affiliated companies be liable for any damages of any kind caused to any person as a consequence of the use of this Web site including but not limited to any direct, special, incidental, indirect or consequential damages of any kind 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 of this Web site or the information contained herein. We will not be responsible for any detrimental reliance that you may place upon the Web site or its contents.

Product Availability

Unless otherwise specified, the materials in the Web site are presented solely for the purpose of educating the user about the products and services of Pacific Life. Nothing in this Web site constitutes an offer to buy or sell products or services of Pacific Life or its affiliated companies. Pacific Life makes no representation that any or all of the materials in the Web 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. No life insurance, security or other product offered by Pacific Life and its affiliates is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or securities laws or other laws of such jurisdiction. No such security or product is offered or will be sold in any jurisdiction by an entity which is not properly licensed to do so in such jurisdiction. Some products may not be available in all states. In addition, any prospectus information available on this Web site is posted for informational purposes only.

Those who choose to access this Web site do so on their own initiative and are responsible for compliance with state, local and foreign laws, if and to the extent such laws are applicable.

The annuity and life insurance products and variable life insurance and annuity products referred to in this Web site may be offered and sold only to persons in the United States. Variable insurance products are distributed by Pacific Select Distributors, Inc., (member FINRA & SIPC), a subsidiary of Pacific Life.

Copyright

This Web site is provided for your personal viewing and Pacific Life maintains all copyrights in the text, buttons, layouts, graphic images and logos contained in this Web site. Except as stated herein, no portion of this Web site or its contents may be reproduced, copied, republished, altered, or transmitted, uploaded, downloaded, or posted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of Pacific Life Insurance Company.

Modification of the materials or use of the materials for any other purpose is a violation of Pacific Life’s copyright and other proprietary rights. The use of any such material on any other Web site or networked computer environment is prohibited.

You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this Web site, without prior written permission of Pacific Life.

An acknowledgment of the source must be included whenever our materials are copied or published. Any infringement of our rights will result in appropriate legal action. Pacific Life and its affiliated companies disclaim any and all liability which may result from any unauthorized reproduction or use of the information on this site.

License and Reproduction

Permission is granted to print copies of portions of this Web site, but not the entire Web site, and to display and navigate around this Web site with a computer using HTML browser software, solely for personal use. Any commercial use of this Web site or any portion hereof is strictly prohibited. A hyperlink to the Uniform Resource Locator (URL) of this Web site in HTML documents which you prepare, must be approved in writing or via email, prior to making such hyperlink, and is subject to the following conditions: (a) the URL may be used only for the purpose of hyperlinking to Pacific Life’s home page at “http://PacificLife.com”; (b) the URL shall be clearly identified as being a link to a Web site owned and operated by Pacific Life or its affiliated companies; and (c) you will make no other use of any Pacific Life intellectual property, other than the URL, without Pacific Life’s express written permission.

Trade Marks

The logo shown here for Pacific Life Pacific Life Insurance Company is a registered trade mark of Pacific Life Insurance Company. Unless otherwise indicated, all trademarks, service marks, and trade names are proprietary to Pacific Life or its affiliates. Pacific Life enforces its intellectual property rights. Use in commerce other than as “fair use” is prohibited by law except by express license from Pacific Life.

Other parties’ trademarks and service marks that may be referred to herein are the property of their respective owners.

Viruses

Because of the marked increase in the fabrication and proliferation of computer viruses affecting the Internet, we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. Pacific Life is not responsible or liable for any damage caused by such hazards.

Pacific Life companies cannot and do not guarantee or warrant that files available for downloading from this Web site are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. Pacific Life companies do not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, noninfringement or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will Pacific Life companies be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this site.

Security

Information submitted into secured regions of our Web site is protected by Pacific Life using three layers of security:

  • Users are required to login using a unique user ID and password.
  • A firewall (a combination of computer hardware and software) keeps unauthorized users from accessing information within Pacific Life’s computer network.
  • Encryption technology is used to secure data when it’s being transferred from one computer to another.

However, all other information submitted to Pacific Life while not logged into secured regions of this Web site including electronic mail inquiries, is submitted through the Internet, which is an unsecured, public network.

Although Pacific Life employs the most current and stringent Internet security standards, you acknowledge and confirm that the Internet is not a secure medium where privacy can be ensured, and that complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the Web site cannot be guaranteed and you acknowledge that your use of the Web site (including information you transmit to the Web site) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, Pacific Life shall not be responsible or liable for any harm that you or any other person may suffer in connection with any such breach of confidentiality or security.

Linked Web Sites

Other Internet or Web sites which may provide access to this Web site by hypertext links (“hyperlinks”) are entirely independent of this Web site. Links to other Internet or Web sites from this Web site are included as a convenience for our visitors and in no way are meant to imply that Pacific Life endorses, sponsors, promotes or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated. Pacific Life does not guarantee the accuracy of any information in these other sites nor does it assume any liability for the content or presentation of linked sites.

Pacific Life cannot guarantee that the hyperlinks set out on our Web site will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks have been independently developed and possibly maintained by person(s) over whom Pacific Life has no control. Pacific Life cannot and does not monitor the sites linked to its pages on the Internet or any transmission made through the respective web pages and news groups. Accordingly, Pacific Life assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. Pacific Life believes that our making available hyperlinks to publicly accessible web pages is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Privacy

Information provided by you through our Web site is used for Pacific Life business purposes only in order to service your needs.

Pacific Life may use “cookies” or related technology in order to track usage of the Web site, and in order to improve our service to you.

Pacific Life and its affiliated companies and representatives are committed to respecting the privacy of your personal information. However, it must be understood that the Internet is not a completely secure medium of communication. Therefore, we cannot guarantee the privacy of any information you input on this Web site or send to us on the Internet. We will not be responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information. We look forward to communicating with you and have provided many places on this Web site for you to contact us. However, please remember that, unless the specific access location says otherwise, all messages sent to or from this Web site can be accessed by other Internet users. To protect your privacy, please do not use e-mail to communicate information that you want kept confidential.

Confidentiality is a top priority at Pacific Life. We are committed to maintaining the highest level of confidentiality with all of the information we receive from our investors, including the information received from this Web site.

Governing Laws

The applicable laws of the state of California shall govern as to the interpretation, validity and effect of this Agreement and any use of the Web site, 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. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the state of California in any action or proceeding instituted under or related to this Agreement or your use of this Web site.

Service Request Forms

Any information requested is for our internal use to service your request. It is not shared with any third party, unless permitted by you or required by law.

Interactive Forms or Calculators

Any interactive forms or calculators on this Web site are there for your information only. Pacific Life tracks, retains and/or uses any of the data input into these forms for our internal use only.

Aggregated Tracking Information

This Pacific Life Web site collects no personally identifying information about individuals except when specifically and knowingly provided by such individuals. Pacific Life will not release any of said information about you without your permission, unless permitted or required by law. Pacific Life gathers two types of information about people who visit our site: data you provide through optional, voluntary contact request forms; and aggregated tracking information such as IP address and home server information.

To enable us to continually improve on the content we offer our users, as well as for systems administration purposes, we collect aggregate information site-wide. This gives us an idea of which parts of our Web site users are visiting. We do not link IP addresses to anything personally identifiable, which means a user’s session will be tracked, but the user will be anonymous.

Information Collection and Use

Pacific Life routinely gathers data on Web site activity, such as information about Web site visitors, to improve the caliber of online information and services offered. There are two forms of data that Pacific Life collects: Web site visitorship data and personal information voluntarily provided to us by Web site visitors.

Web site visitorship data is

  1. collected on an aggregate, anonymous basis, which means no personal information is associated with this data;
  2. gathered through the use of Web server logs and cookies. A Web server log is a file where Web site activity is stored. A cookie is a small piece of information that a Web site sends to a visitor’s computer, which is stored on his or her hard drive. Pacific Life uses cookies to track repeat visits to its Web site. Although Pacific Life assigns a cookie to a visitor’s computer, the company does not know who that visitor is unless that person specifically tells us; and
  3. shared among Pacific Life business units to improve Web site content and overall service.

Submissions

Pacific Life 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. Pacific Life requests this in order to avoid confusion in the future regarding the origin of the concept, product or service.

If, despite our request that you not send us any creative materials, you in fact send us creative suggestions, ideas, concepts or other information (collectively, the Information), such Information shall be deemed by Pacific Life to be, and shall remain, the property of Pacific Life. None of the Information shall be subject to any obligation of confidence on the part of Pacific Life and Pacific Life shall not be liable for any use or disclosure of any Information. Without limiting the foregoing, Pacific Life 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.

Other Service Mark/Trademark Information

Adobe and Acrobat are trademarks of Adobe Systems Incorporated and are used with permission from Adobe Systems Incorporated.

Real Audio is a trademark of RealNetworks, Inc. and is used with permission from RealNetworks, Inc.

Microsoft, Windows, Windows NT, MSN, The Microsoft Network and/or other Microsoft products referenced herein are either trademarks or registered trademarks of Microsoft Corporation and are used with permission from Microsoft Corporation.

Netscape trademarks identify Netscape products and services and are used with permission from Netscape Communications Corporation.

AOL.COM is a trademark of America On Line, Inc. and is used with the permission of America On Line, Inc.