Legal

Conditions of Use

Please read the following Conditions of Use carefully before using this and any other Sun Life Financial Web site, including its Interactive Web Services (collectively referred to as the "Web Sites"). The Conditions of Use apply to all Sun Life Financial Web Sites and Interactive Web Services. You should review the Conditions of Use regularly as they may change at any time. References to "Web Sites" and "Sites" mean both the singular and plural of these terms. References to "you" or "your" shall mean the person authorized to access and use Sun Life Financial's Web Sites and Interactive Web Services. References to "we", "us" or "our" shall mean Sun Life Financial and affiliated member companies.

General
Nothing in the Web Sites constitutes an offer to buy or sell products or services of the Sun Life Financial group of companies. All products and services are subject to the terms and conditions of any applicable agreements.

Our products and services are available only in jurisdictions where they may be lawfully offered for sale. Not all products and services are available in all geographical regions. The information presented in the Web Sites is intended for use only in the United States. Sun Life Assurance Company of Canada is licensed in the District of Columbia, Puerto Rico and all U.S. states except for the state of New York. Sun Life Assurance Company of Canada (U.S.) is licensed in the District of Columbia and all U.S. states except for the states of New York. Our New York subsidiary, Sun Life Insurance and Annuity Company of New York, offers annuities, group life and disability, and individual life insurance in that state.

The Web Sites are not intended to provide you with any personalized financial, accounting, tax, legal and/or market advice (including, without limitation, advice regarding the suitability or profitability of a security or investment). The Web Sites should not be used as a substitute for personal advice from an appropriate professional advisor. If you require advice, please consult with your own advisors.

The information provided on and through the Web Sites is believed to be reliable when posted. However, we cannot guarantee that information will be accurate, complete and current at all times. All information on the Web Sites is subject to modification from time to time without notice. No information based upon the opinions expressed in any web-based presentation can be guaranteed.

We will make every reasonable effort to provide you access to the Web Sites. However, there will be occasions when the Web Sites will be unavailable for use or times when we find it necessary to shut down our Web Sites for a period of time for maintenance, updates and other reasonable adjustments.

Third-party web sites accessed by hypertext links appearing on Sun Life Financial's Web Sites may have been independently developed by others. We do not guarantee the accuracy of any information in these other sites. The listing of an organization not affiliated with Sun Life Financial the Web Sites should not be interpreted as an endorsement of its services or products by any of the Sun Life Financial group of companies. Sun Life Financial disclaims any and all responsibility and liability for the accuracy, content, completeness, legality, reliability or operability of said links or the services and resources therein. Any concerns regarding any such service or resource should be directed to the particular service or resource.

On certain pages of the Web Sites, Stockhouse and its sources provide stock quotes. These stock quotes are delayed by at least 20 minutes and should not be relied upon for investment purposes. Sun Life Assurance Company of Canada and its affiliated companies and representatives will not be liable for any errors or delays in, loss or damages or actions taken in reliance on the stock quotes.

Access to Sun Life Financial's Interactive Web Services requires an electronic identification which consists of a user name, Internet Personal Identification Number (commonly referred to as a P.I.N. or password), or other security measures that Sun Life Financial may require. You agree that the use of this electronic identification is the legal equivalent to your written signed instructions to Sun Life Financial and that your identity as an authorized user of our Web services is determined solely by your user name and Internet Personal Identification Number. You acknowledge that you are responsible for the safekeeping of your Internet Personal Identification Number and that Sun Life Financial is unable, and under no obligation, to confirm the identity or authority of any user of our Web services. You also agree that Sun Life Financial has no duty to inquire as to the authority or propriety of any instructions given to it and shall be entitled to act upon any such instructions. If you become concerned that the confidentiality of your Internet Personal Identification Number has become compromised, you agree to notify Sun Life Financial and change your Internet Personal Identification Number immediately. To keep your policy or contract information confidential, you agree not to disclose your Internet Personal Identification Number to anyone and will not record it anywhere. You agree to immediately notify Sun Life Financial of any unauthorized use of your Internet Personal Identification Number and/or access to your policy or contract records. Sun Life Financial reserves the right to cancel or restrict the use of your Personal Identification Number and/or its Interactive Web Services without notice and for any reason, including the reason of your use that is contrary to these Conditions of Use.

Any on-line acknowledgments or other messages which appear on your screen for transactions entered do not mean that the transactions have been received, accepted or rejected by Sun Life Financial. These acknowledgements are only an indication that the transaction information entered by you has either been transmitted or cannot be transmitted to Sun Life Financial. No transaction shall be deemed accepted until you receive a written confirmation from Sun Life Financial. You are responsible for reviewing all confirmations and policy or contract statements received by you in order to verify their accuracy. If you do not receive a written confirmation within five (5) business days of a transaction, you agree to immediately notify Sun Life Financial.

Sun Life Financial reserves the right to change the terms of use of its Web Sites and Interactive Web Services or discontinue them at any time upon notice to you. Notice may be given to you in writing, by e-mail or by posting such notice on our Web Site.

Your use of the Web Sites shall be entirely at your risk. The Sun Life Financial group of companies will not be responsible in any manner for any harm, loss or damage, however caused, arising out of your use of the Web Sites, including direct, indirect, special, third party or consequential damages. We will not be responsible for any detrimental reliance that you may place upon the Web Sites or its contents.

OUR WEB SITES AND INTERACTIVE WEB SERVICES ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MECHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND THE WARRANTY AGAINST INFRINGEMENT WITH RESPECT TO THE INFORMATION PROVIDED AND THE USE OF THIS SERVICE. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

If any provision is these Conditions of Use are held invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. The laws of the Commonwealth of Massachusetts and the applicable laws of the United States shall govern your use of the Web Sites. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Commonwealth of Massachusetts in any action or proceeding related to your use of the Web Sites.

Variable Life Insurance and Annuity Products
Sun Life Financial variable products are authorized for prospective investors only when preceded or accompanied by a current prospectus and underlying fund prospectuses containing more complete information including all charges and expenses, such as the withdrawal charges and mortality and expense risk charges. They should be read carefully before investing.

The Sun Life Financial portfolio of variable products is available from registered representatives licensed and appointed with Sun Life Assurance Company of Canada (U.S.) or Sun Life Insurance and Annuity Company of New York. Please consult with your tax or financial adviser.

Investment products are not insured by the FDIC or any other government agency, and are not deposits or other obligations of, or guaranteed by, any financial institution. Unit values of variable products are subject to investment risk, including possible loss of the principal amount invested, and will fluctuate in value. You may receive more or less than you paid when you redeem your units. Please see the prospectus for details.

Prospectuses for Sun Life Financial's individual variable life and annuity products and any underlying funds, which contain more complete information, including all charges and expenses, are available from your financial adviser. You may also order a prospectus by requesting one by mail, e-mail, or telephone. Please read the prospectus carefully before investing. Sun Life Financial's variable products are not available in all states.

Interactive Web Services

CustomerLink
Sun Life Financial's CustomerLink service permits you, an authorized contract or policy holder, to view, change and enter information on your policy or contract record, obtain quotations and receive other information related to your policy or contract through electronic transmission via a compatible personal computer and a secure Web browser.

Financial Professionals
Certain parts of the Web Sites permit you, an authorized broker or representative, to access information pertaining to your clients or your companies' annuity and individual insurance accounts for the sole purpose of maintaining ongoing contact with your clients and to service their contracts or accounts. You may download information pertaining to your clients and print out a hard copy in connection with providing client services. You are not authorized to, and agree not to use this service for any other purpose other than as provided herein. You acknowledge that information that you access through this service is highly confidential and you agree that you will use it accordingly. Certain parts of the Web Sites also permit you, an authorized broker or representative, to access forms and marketing and educational materials. In addition to these Conditions of Use, your use of these parts of the Web Sites and materials are subject to the terms and conditions of any applicable sales, distribution, and appointment agreements, as well as Sun Life Financial’s policies and procedures, including but not limited to Sun Life Financial’s Market Conduct Guide for Individual Life and Annuity Producers.

Sun Life Financial Benefit Account
We may partner with third party vendors to provide administrative services to your Sun Life Financial Benefit Account. These services include the option for you to access certain information and conduct transactions concerning your account on-line through the partner website. When you open a Sun Life Benefit Account on-line, we will share information about you as necessary for the third party to provide that service. These third parties are prohibited from using your personally identifiable information for any other purpose..

Glossary of Terms
The Glossary of Terms is provided to assist you in understanding the terminology often used in our policies and contracts. However, this glossary is of a general nature and the terms are not specific to our policies and contracts. Please refer to our/your actual policies or contracts for specific terminology.

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 Online Information

The information gathered and retained by us from your use of the Web Sites will only be used by Sun Life Financial and it affiliated group of companies. Your activity on the Web Sites will not result in you being added to a mailing list, unless you specifically request us to do so. We will not provide or sell any information about you to unpermitted third parties. No sales person will call you unless you specifically request it. Please see our Privacy Policy for more information on security and privacy matters regarding the use of the Web Sites and Interactive Web Services. Our Privacy Policy can be accessed over the Internet at here.

It is important to keep in mind, however, that the Internet is not a totally secure medium of communication. For this reason, we cannot guarantee the privacy of any information you input on the Web Sites or send to us on the Internet. The Sun Life Financial group of companies will not be responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information sent over the Internet.

If you have questions about this policy, please contact us.

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Copyright

The contents of the Web Sites are protected by copyright. Except as may otherwise be provided herein, users of Sun Life Financial's Web Sites shall be entitled to copy information for their own non-commercial personal use but may not republish or reproduce any part without the prior written permission of the applicable Sun Life Financial company. Republishing and reproducing includes any uploading, downloading or accessing the information on our Web Sites onto the Internet or any other local or international computer system. An acknowledgement of the source must be included whenever our materials are copied or published. If you require further information on the uses that you may make of the information on the Web Sites or if you wish to obtain a license to reproduce or republish any material on the Web Sites, please send such requests by e-mail or contact us:

Public Relations and Communications Department
SC 1214
One Sun Life Executive Park
Wellesley Hills, MA 02481

Any infringement of our rights will result in appropriate legal action. The Sun Life Financial group of companies disclaim any and all liability which may result from any unauthorized reproduction or use of the information on the Web Sites.

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Trademarks and Service Marks

All trademarks and service marks used on the Web Sites or in connection with the goods and services mentioned on the Web Sites, including Sun Life Financial, are registered trademarks or service marks of Sun Life Assurance Company of Canada and are protected by U.S. and foreign trademark laws. All rights reserved.

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Questions

If you have questions about this Legal Notice, please contact us.

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