IMPORTANT: Please read the terms and conditions set forth below carefully before using this site or any of the programs, content or material available through this site. Use of this site is expressly conditioned on your acceptance of the following terms and conditions. By using this site or any of the programs, content or material available through the site, you signify your assent to and acceptance of these terms and conditions. If you do not agree with any part of the terms and conditions set forth below, you must not use this site or any portion thereof.

Who We Are
This site, rbcexpressterm.com ("Site"), is owned and operated by Liberty Life Insurance Company (Liberty Life).Products are underwritten by Liberty Life.

Products and Services Offered by Liberty Life Insurance Company
Our Site is designed to offer visitors and users information regarding term life insurance. Liberty Life is the issuer of any policies which you may obtain as a result of visiting this site. Liberty Life will collect any payments.

The services available on this Site are designed to be completed upon the User providing required information, unless otherwise specified.

Customer Complaints
Users who have complaints regarding the Site may address such concerns in writing, via e-mail or traditional mail to the contact listed below under Contact Information.

Use
This Site, each of its components, and the content, programs, materials and information on the Site are intended for your personal use. You are prohibited from using them for commercial purposes without our prior written consent. This Site, and the content provided on this Site, may not be copied, reproduced, republished, uploaded, posted, transmitted or distributed without the prior written consent of Liberty Life. Unauthorized use of this Site or the materials contained on this Site may violate applicable intellectual property or other laws. You are prohibited from posting on or transmitting to or through the Site any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability or otherwise violate any law.

Privacy
Please see our Privacy Statement regarding our collection, retention and use of information.

Age and Responsibility
You represent that you are of legal age and competency to use this Site and to create binding legal obligations for any liability you incur as a result of using this Site. You understand and acknowledge that you are financially and otherwise responsible for any use of this Site by you and anyone using your login information.

Insurance Information
Information available through this site is not intended to be used as the sole basis for any insurance decision, nor should it be construed as advice designed to meet the particular needs or suitability of an individual purchaser of insurance. Please seek the advice of an insurance agent, a financial or other professional, as appropriate, regarding the evaluation of any specific product information, opinion, advice, or other content of this site.

Exclusion of Warranty
LIBERTY LIFE MAKES NO WARRANTIES OF ANY KIND REGARDING THIS SITE OR THE CONTENT, PROGRAMS OR MATERIAL PROVIDED ON THIS SITE, ALL OF WHICH ARE PROVIDED ON AN "AS IS" BASIS. LIBERTY LIFE DOES NOT WARRANT THE ACCURACY, COMPLETENESS, CURRENCY, RELIABILITY OR AVAILABILITY OF ANY OF THE CONTENT, PROGRAMS, MATERIAL OR DATA FOUND ON THIS SITE AND EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS, INCLUDING IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, AND ANY SUCH WARRANTIES OR CONDITIONS ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING EXCLUSION AND DISCLAIMER MAY NOT APPLY TO YOU.

Limitation of Liability
LIBERTY LIFE WILL NOT BE RESPONSIBLE, AND WILL NOT BE LIABLE, FOR ANY DAMAGES TO YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ARISING FROM YOUR USE OF, BROWSING IN OR DOWNLOADING OF ANY CONTENT, PROGRAMS, MATERIALS, DATA, TEXT, IMAGES, AUDIO OR VIDEO FROM THE SITE. IN NO EVENT WILL LIBERTY LIFE BE LIABLE FOR ANY INJURY, LOSS, DAMAGE OR CLAIM, OR ANY SPECIAL, EXEMPLARY, PUNITIVE, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, LOST PROFITS OR SAVINGS), WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, ARISING FROM OR IN ANY WAY CONNECTED WITH (A) ANY USE OF THIS SITE, OR CONTENT, PROGRAMS OR MATERIALS PROVIDED THROUGH THIS SITE, (B) ANY FAILURE, DELAY, OR UNAVAILABILITY (INCLUDING, BUT NOT LIMITED TO THE USE OF OR INABILITY TO USE OR ACCESS ANY CONTENT, PROGRAMS, MATERIAL OR DATA PROVIDED ON THE SITE), (C) THE PERFORMANCE OR NON-PERFORMANCE OF LIBERTY LIFE EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES TO SUCH PARTIES OR ANY OTHER PARTY, (D) YOUR DISCLOSURE OF YOUR PASSWORD TO, OR USE OF YOUR PASSWORD BY, ANY THIRD PARTY, OR (E) ANY ACCESS TO, OR USE OF, YOUR INFORMATION BY AN UNAUTHORIZED PERSON OR UNAUTHORIZED PERSONS. SOME STATES DO NOT ALLOW LIMITATION OF LIABILITY, SO THE FOREGOING LIMITATION MAY NOT APPLY TO YOU.

Links to Other Sites
This Site contains links to other Web sites which are provided as a convenience to you and not as an endorsement by Liberty Life of the contents of such Web sites. Liberty Life will not be responsible for the content of any other Web site and makes no representation or warranty regarding any other Web site or the contents or materials on such sites. If you decide to access other Web sites, you do so at your own risk.

Indemnification
You will indemnify and hold harmless Liberty Life and its respective officers, directors, employees and agents from and against any claim, damages, cause of action or demand, including, but not limited to, reasonable legal, accounting and other professional fees, brought by or on your behalf or by third parties as a result of your use of the Site, or any content, programs or materials provided through the Site.

Modification
Liberty Life may at any time modify these terms and conditions in whole or in part and your continued use of the Site, or any content, programs or materials provided through the Site, will be subject in all respects to the terms and conditions in force at the time of such use.

Assignment
You may not assign, convey, subcontract or delegate your rights, duties or obligations hereunder. Liberty Life may, at any time, assign, convey, transfer, delegate or subcontract any or all of its rights or obligations without prior notice.

Severability
These terms and conditions will be deemed severable so that if any provision is determined to be unenforceable or invalid, such provision will nonetheless be enforced to the fullest extent permitted by applicable law, and such determination will not affect the validity or enforceability of any other remaining provision.

Headings
The headings used in these terms and conditions are included for convenience only and will not limit or affect in any way these terms and conditions.

Entire Agreement
These terms and conditions, together with those incorporated or referred to herein, constitute the entire agreement between us relating to the subject matter hereof, and supersedes any prior understandings or agreements (whether oral or written) regarding the subject matter, and may not be amended or modified except in writing or by making such amendments or modifications available on this Site.

You are encouraged to visit these Terms and Conditions and our Privacy Statement from time to time to review any updates and changes.

Choice of Law
These Terms and Conditions will be governed by and construed in accordance with the laws of the State of South Carolina, without giving effect to its conflict of laws provisions or your actual state or country of residence.

Contact Information
Liberty Life Insurance Company personnel are available Monday through Friday, 8:30 AM through 5:00 PM Eastern Standard Time. You may reach us at:

Liberty Life Insurance Company
Post Office Box 789
Greenville, SC 29602-0789
Attn: Customer Service

expresstermcustomersupport@rbc.com

Toll Free at 1-866-816-6767