MyPrimerica.com Terms of Use

These Terms were last amended in September 2021.

These Terms of Use (“Terms”) are a binding agreement between Primerica, Inc. and its affiliates (collectively “Primerica,” “we” or “us”, and each a “Primerica Company”) and you and relates to your electronic access to this website, its information, tools, resources, features, functions, and forms including those related to Primerica’s and third-party products, each made available through this myprimerica.com website (the “Site”).

By accessing, browsing, using the tools, information, features or functions of, and/or requesting policy and/or account information or transactions through, the Site you acknowledge that you accept and agree to be bound by these Terms without modification. These Terms are in addition to any other agreements between you and us and the Terms do not supersede those existing agreements. We may modify these Terms at any time and without prior notice to you. Your continued use of the Site after the Terms are amended will constitute acknowledgement and acceptance of the changes. If you do not agree to these Terms, do not access or use this Site.

Information accessible through the Site is provided by one or more of the Primerica Companies (see Paragraph 17(a) for a list) at your request when you use the Site, when you “activate” a product or access an existing product or enroll for certain products.

The Terms & Conditions (“T&C”) applicable to Primerica.com, available at http://www.primerica.com/public/terms_conditions.html, are incorporated herein and apply to these Terms and your access and use of the Site. Also, these Terms are in addition to any existing or future product or service agreement applicable to products you may purchase from any Primerica Company. These Terms do not modify any product agreement with any Primerica Company.

THESE TERMS SPECIFICALLY APPLY TO USERS IN THE UNITED STATES AND CANADA. THESE TERMS ARE LEGALLY BINDING. PLEASE READ THEM CAREFULLY.

1.  ELECTRONIC SIGNATURE

When you register to access this website and agree to these Terms, you agree and consent to your use of electronic signatures and access to electronic records created by any Primerica Company in connection with the services offered through this website.

You agree that we may provide to you communications in electronic form, which we may provide to you (i) via email, texting or other electronic methods, (ii) by access to a website that we designate in an email notice we send to you at the time the information is available for your access, or (iii) to the extent permissible by applicable law, by access to a website that we will generally designate in advance for such purpose. Such communications will be considered to be provided by us to you in “writing” and to have been received by you after our posting or dissemination, whether or not you have received or retrieved the communication. You should print or electronically download and save for your records a copy of these Terms and the T&C, as well as any electronic communications or records you we send or make available to you.

In order to access, view and retain electronic communications or records, you must have the following software and hardware: an Internet browser that supports 128 bit encryption; sufficient electronic storage capacity on your computer’s hard drive or other data storage unit; an email account with an Internet service provider and email software in order to participate in our electronic communications programs; a personal computer, computer operating system and telecommunication communications to the Internet capable of receiving accessing, displaying and either printing or storing communications received form us in electronic form via a plain text formatted email or by access to our website using one of from browsers that meet the specifications above.

2.  SERVICE PROVIDED

The Site allows you to access tools, information, features, and functions, and to see information about certain “Products” (as defined below in Section 17(b)). The Site may allow you to access sites of authorized product providers. We may present to you links and information relating to third-party products or services, as explained in the T&C.

The Site may provide you with electronic access to certain information and forms, including, but not limited to, (i) providing certain forms for life insurance updates related to products you have purchased from Primerica and (ii) providing access to information about products and services offered by us and certain third parties. Any information provided through the Site shall not, however, be deemed to supersede or replace information available in any periodic product account statements or otherwise directly from Primerica or another product company.

Also, the Site may from time to time provide links to other websites, including websites owned or operated by third parties. If you decide to use these links, your information provided or obtained at these websites may be collected and used by the company that owns or operates the website. Be sure you read that company’s privacy notice to understand how that company will collect and use your personal information, including any information you may put in a product application you submit there. Each company has its own privacy policy.

We may, at any time, change the Site or its registration instructions or discontinue or change the information available to you through the Site. Notice may be sent by electronic means to the email address you have provided to us or by posting the changes online on the website homepage. Your continued use of the Site following the posting of notice of any changes will constitute your acceptance of the changes. Any aspect of the Site may be changed, supplemented, deleted or updated without notice at the sole discretion of Primerica.

Not all Products offered by the Primerica Companies or third parties are available in all geographic areas. Your eligibility for particular Products is subject to final determination by the offering or sponsoring Primerica Company or third-party provider.

3.  AUTHORIZATION AND CONSENT TO DISCLOSE NONPUBLIC PERSONAL INFORMATION

To display on the Site information regarding certain of the products you own, and to be able to coordinate address changes, etc. for those accounts, you must authorize the respective Primerica Companies to disclose your product and account information to the Site and you must authorize us to display it. When you accept these Terms, you consent to disclosure of information associated with your products from the respective Primerica Companies to the Site for this limited purpose. This specific authorization is for the limited purpose of displaying the information through the Site and supersedes any prior opt out you may have submitted in any manner to a Primerica Company to limit sharing of your non-public personal information between any of the Primerica affiliated companies or any other limitation on sharing your non-public personal information.

4.  USER CODES

As part of your registration process for the Site, you must select a user name and password. Collectively, the user name and password are referred to as “User Codes.”

The User Codes you create for use of the Site are for your personal use only. You are responsible for the confidentiality of the User Codes, and agree not to provide them to any other person. You are responsible for all statements made and acts or omissions that occur with your User Codes. You agree that Primerica is not responsible for any breach of security of or unauthorized access to your non-public personal information, including information about your products accessible using the Site, caused by your failure to maintain the confidentiality of your User Codes. You agree to notify us immediately in the event of loss or theft of any of your User Codes if you believe the confidentiality of any of your User Codes have been compromised in any way, or in the event of your learning about a possible or actual unauthorized use of the Site.

We reserve the right to change or revoke your User Codes and your access to the Site at any time without prior notice.

5.  RECORDINGS

In connection with your use of the Site, you acknowledge and consent to any form of electronic recording of any communication, email, text, electronic, or otherwise, between you and Primerica or its independent contractor representatives (“Representatives”). You acknowledge and consent to the recording, retention and use by Primerica and its Representatives of all information and data that you input during your use of the Site, including, without limitation, all selections and uses of information, features, functions, calculators and other tools on the website.

6.  ELECTRONIC COMMUNICATIONS

From you to Primerica

You may communicate with us electronically by sending an email message. However, you agree not to use email to submit an application for any product or service, for the transmission of orders to purchase or sell any securities product, to transfer funds, to provide instructions or requests as to any of your products or services, or to transmit any personal information (including bank account, policy number, credit card or social security numbers), to give notice of a change of address, or to give us any time-sensitive instructions or requests. All applications, orders, instructions, requests and information updates may only be provided by you on appropriate screens or forms provided by the product provider. You agree that we shall not be liable for any actions taken or any omissions to act as a result of any email message you send to us.

From Primerica to You

You must provide us with an email address as part of your registration process for access to this Site for us to communicate with you regarding this Site. We will communicate with you using the email address you provide regarding products we offer and administer. If you consent to electronic delivery of required notices and other documents, we will use the email address you provide [through the Site] to tell you where to access such materials online. For all these purposes, you agree to keep your email address of record current by updating your profile on the Site. We may also communicate to you via postings on a website.

From Representatives to You

Although the Site currently does not allow Representatives to send you messages through it, we may modify the Site, without notice to you, to include electronic messages between a Representative and you. In the event that we modify the Site to include this capability, you agree that Primerica shall not be liable for any actions or for any omissions to act on your part as a result of any electronic message any Representative sends to you or you send him or her. You may not use an electronic message from your Representative as the basis for the purchase or sale of or change to any product, transfer of funds or other change in instructions or requests as to any of your products.

Your mobile carrier’s standard data, Internet, messaging and other service fees and charges apply to your use of, and access to, this Site, and to text messages you may receive if you request two-factor authentication codes to be sent by text message to your mobile phone. You are solely responsible for all those fees and charges. The Site may not be compatible with all mobile devices, carriers or services; We do not make any representations or warranties regarding compatibility. You are solely responsible for providing all mobile equipment necessary to access and use the Site and ensuring that your mobile device is compatible with the type of content being provided through the Site. You understand that content delivered through the Site may be delivered to your device through premium mobile services and acknowledge that you are sole and exclusively responsible for any charges for such services, including, but not limited to, any roaming charges.

7.  PROPERTY RIGHTS

The Site is being provided by us only for your personal, non-commercial use and display. You may download and save the information you access using this Site to your computer and print out a hard copy for your personal reference, provided that you agree not to remove any logos, copyrights, trademarks or other notices contained on the documents.

The Site and the information you access through the Site are the property of one or more of the Primerica Companies or their licensors and are protected by applicable copyright, patent, trademark or other intellectual property law. The Site and information accessible on the Site (i) are copyrighted material under the laws of the U. S. and international treaty provisions and, (ii) regardless of the form or media in which the original or copies may exist, is the sole and exclusive property of the respective Primerica Company. Copyright includes the pages and in the screens displaying the pages, including short message service text, data, images, and “look and feel,” all graphical and navigational elements; and the compilation, arrangement, structure, and sequence of all components and in their content, including text, audio recordings, videos, photos and arrangement. Except as expressly authorized in these Terms, you may not reproduce, transmit, sell, license, display, distribute, publish, broadcast, circulate, modify, disseminate, or commercially exploit any aspect of the Service provided in any manner (including electronic, print or other media now known or hereafter developed) without our prior written consent.

The Site, including the source and object codes, logic and structure, as well as the information accessible here, constitutes valuable property of Primerica. You agree not to use the information available through the Site or the Site for any unlawful purpose, and you shall comply with any request of any Primerica Company or any of the third-party providers to protect their respective rights in the information from the Site.

Your transmission or use of any information or other material in violation of these Terms, or any applicable law, rule or regulation (whether of the United States, Canada or other countries), or the rights of any third party, is prohibited. This includes, but is not limited to, copyrighted material, material which is defamatory, threatening, false, obscene, lewd and indecent or otherwise inappropriate, material protected by trademark, or patent laws, or material that results in an invasion of privacy.

8.  SITE ACCESS AND USE

We may refuse to accept any registration or otherwise deny access to the Site for any reason.

You agree not to attempt to defeat, modify, reverse engineer, copy, work around or duplicate any security feature used on this Site. You agree that you will not use any robot, spider or other similar device to monitor or copy any pages of the Site or any content or information accessible through the Site. You agree that you will not use any device, software or routine to interfere with proper operations of the Site. You agree that you will not misuse any applications on the Site for purposes other than their intended purposes. You further agree that you will not reverse engineer, decompile, reverse compile or adapt applications or any part of this Service.

9.  YOUR REPRESENTATIONS AND WARRANTIES

You hereby represent and warrant that you are eighteen (18) years old or older and that all the information provided by you during the registration process and each time you use the Site is accurate and complete.

You represent that your email address is accurate and you will keep your email address updated within the Site so that you can receive messages electronically from us. If you consent to receive text message communications to your mobile device, you represent that your mobile phone number is accurate and you will keep your mobile phone number updated within the Site so that you can receive text messages from us.

10.  PRIVACY AND CONFIDENTIALITY

We shall use reasonable precautions to maintain the confidentiality and security of the information you have provided, created or input on the Site through your use of the Site. However, because this information can be accessed through the Internet, you hereby acknowledge and agree that there can be no assurance that the information provided to you through the Site, or any communication sent through email or other electronic methods to you will remain secure.

In addition, we may disclose such information to our employees, officers, directors and agents, as well as Representatives, any governmental entity, or any other third-party agent or service provider (a) for any purpose related to the conduct of our business or to the offering, providing or maintaining of the Site, (b) to comply with applicable rules, orders, subpoenas or other legal process, or in order to give information to any government agency or official requesting such information, or (c) for any other legitimate business purpose.

You acknowledge that you have read the applicable Privacy Notice located at http://www.primerica.com/public/privacy/privacy_notices.html, which may be updated from time to time (the “Privacy Notice”), and hereby consent to the collection, use, disclosure and retention by us of your personal information (whether previously collected or to be collected) for the purposes identified therein. You also consent to our use of such personal information in accordance with applicable terms and conditions contained in the Privacy Notice, which is incorporated herein by reference and forms an integral part of these Terms. Our Privacy Notices detail how your information will be used and how you can request we limit use of your information.

11.  IDENTITY VERIFICATION AUTHORIZATION DISCLOSURE

If required to help verify your identity on your MyPrimerica account, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email address, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third-party service provider, solely to verify your identity and prevent fraud for the duration of the business relationship. See the Privacy Notice to learn more about how Primerica treats your data.

12.  ARBITRATION

Any dispute you have related to a Product, regardless of whether access to information about the Product is available to you on the Site, shall be governed by and handled in accordance with the dispute resolution terms of the contract for that Product. You agree that any claim or dispute related only to your use of the Site and not related to any product, shall be resolved exclusively by binding to arbitration in Atlanta, GA in accordance with the consumer arbitration rules of the Judicial Arbitration and Mediation Services, Inc. (JAMS), which rules and procedures may limit the amount of discovery available to the parties. The arbitration award shall be rendered in writing, shall be signed by the arbitrator(s), and shall include a reasoned opinion setting forth findings of fact and conclusions of law. Judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The arbitrator(s) shall have no power or authority to order or grant any equitable remedy, or relief or any remedy or relief that a court could not order or grant under applicable law, and shall have no authority to award punitive, trebled, or any other form of enhanced damages. Each party shall pay their own attorneys’ fees and expenses relative to arbitration. All costs and expenses of the arbitration (other than the parties’ attorneys’ fees and expenses), including the fees and expenses of the arbitrator(s), shall be allocated between the parties in the discretion of the arbitrator(s) as set forth in the award.

THE PARTIES IRREVOCABLY WAIVE ANY RIGHT THEY MAY HAVE TO PROCEED ON BEHALF OF A CLASS IN ANY ARBITRATION, AND AGREE THAT ANY CLAIM, COUNTERCLAIM, CROSS-CLAIM OR ANY OTHER TYPE OF CLAIM SHALL BE BROUGHT IN ARBITRATION ONLY ON AN INDIVIDUAL BASIS AND NOT ON A CLASS ACTION OR MULTIPLE PLAINTIFF BASIS OR CONSOLIDATED WITH ANY OTHER PERSON’S CLAIM, COUNTERCLAIM, CROSS-CLAIM OR OTHER TYPE OF CLAIM.

13.  JURISDICTION AND GOVERNING LAW

This Site is controlled, operated and intended for use only in the United States of America and Canada. We do not represent that materials on this Site are appropriate or made available for use outside of the United States of America and Canada. These Terms and all the terms herein shall be governed by and construed solely in accordance with the laws of the State of Georgia without giving effect to principles of conflicts or choice of law. All claims relating to or arising out of these Terms, or the breach thereof, whether sounding in contract, tort or otherwise, shall likewise be governed solely by the laws of the State of Georgia, again without giving effect to principles of conflicts or choice of law. The statute of limitation applicable to any claim shall be as provided under Georgia law.

14.  TERMINATION

Either you or we may terminate these Terms at any time with or without any cause and without notice. In this event, your access to the Site will immediately terminate without notice. In addition, any violation or breach by you of any of the terms of these Terms will be cause for us to terminate your access to the Site without notice. Certain provisions, including, but not limited to, Sections 7 (Property Rights), 9 (Warranties), 10 (Privacy and Confidentiality), 12 (Arbitration) and 16 (Indemnification) shall survive any termination of these Terms.

Unauthorized use of Primerica’s websites or information technology or other communications systems, including, but not limited to, unauthorized entry into Primerica’s systems, misuse of passwords or misuse of any information posted on a site is strictly prohibited and is also a basis for our termination of these Terms.

15.  ASSIGNMENT

Resale or any commercial redistribution of the Site or information accessed through the Site is not permitted. These Terms, and your rights and obligations hereunder, may not be assigned by you without our prior written permission. We may assign these Terms or any of its rights or obligations under these Terms, to any other party.

16.  INDEMNIFICATION

You hereby indemnify and hold harmless Primerica, including without limitation its affiliates and all of their directors, officers, employees, vendors, licensors, agents and Representatives, and any third-party product provider from and against any and all claims, losses, liabilities, damages, costs and expenses (including reasonable attorney’s fees and costs) arising out of or related to your infringement of any intellectual property or other right of any person or entity, your breach of your agreements, representations and warranties contained in these Terms or your use of the Site or information accessed or inputted through the Site (i) in violation of these Terms, (ii) in violation of any rights of any Primerica Company and any third-party information provider (including copyright, patent, trade secret, trademark, or other intellectual property rights and publicity and privacy rights), (iii) in violation of any applicable law, rule or regulation, or (iv) your failure to maintain the security of your User Codes in accordance with these Terms. This indemnification shall be binding upon you and your executors, heirs, successors and permitted assigns.

17.  MISCELLANEOUS

The Primerica Companies are: Primerica Financial Services, LLC, Primerica Life Insurance Company, National Benefit Life Insurance Company, PFS Investments Inc., Primerica Client Services, Inc. and, in Canada, Primerica Life Insurance Company of Canada, Primerica Financial Services Ltd., PFSL Investments Canada Ltd., PFSL Fund Management Ltd., and Primerica Client Services Inc.

“Products” include those products or services purchased or referred through a Representative or from a Primerica Company program. Products include, but are not limited to, term life insurance, mutual funds and annuities, long term care insurance, prepaid legal insurance, and identity theft protection services. This website is also a product of Primerica.

This Site provides life insurance policy information to life insurance policy owners only, and only one username can access each life insurance policy. By agreeing to these Terms, you certify that you are the policy owner and would like to access your life insurance policy with this username.

We may modify the terms and conditions of these Terms and any aspect of the Site, at any time upon written notice or posting to the Site. You agree that if you use the Site after such notification of changes in these Terms, you will be bound by all the changes. At the time of any modification, you will have the opportunity to reject the modification, which rejection shall constitute a termination of these Terms and of your rights to access the website.

These Terms represent the complete and exclusive statement of the agreement and understanding between you and us regarding your rights to access and use the Site and information on Site, and supersedes all prior and contemporaneous agreements and representations regarding such subject matter. No waiver, modification or amendment of any provision of these Terms shall be effective against Primerica unless the same is in writing and signed by an authorized officer of Primerica.

Should any term or provision of these Terms be deemed or held to be invalid or unenforceable, the remaining terms and provisions shall continue in full force and effect.

The Site does not and is not intended to provide legal, tax, financial or any other advice. Nothing contained in these Terms or the Site shall create or be construed as creating any agency or fiduciary relationship between you and any Primerica Company or Representative.

The Site may include certain third-party open source code, community source code or free code software components (“Open Source Components”), each of which has its own copyright and its own license conditions (“Open Source License”). A list of included Open Source Components and their respective Open Source Licenses can be found at https://www.primericaonline.com/NAPOLWelcome/public/useragreement/opensource_attestation.pdf. Notwithstanding any other provision of these Terms, the Open Source Components are provided “as is” by Primerica and its third-party licensors, and neither Primerica nor its third-party licensors make any representations or warranties of any kind, either express or implied, statutory or otherwise, with respect to the Open Source Components, including, but not limited to, the warranties of merchantability, non-infringement and fitness for a particular purpose. Primerica and its third-party licensors disclaim all liabilities, damages, warranties, indemnities and other obligations of any kind, express or implied, statutory or otherwise, with regard to the Open Source Components, regardless of the form of action and whether or not they have been informed of, or otherwise might have anticipated, the possibility of such damages.

Our failure to insist at any time upon strict compliance with any term of these Terms, or any delay or failure on our part to exercise any power or right given to us in these Terms, or a continued course of such conduct on our part shall at no time operate as a waiver of such power or right, nor shall any single or partial exercise preclude any other future exercise. All rights and remedies given to Primerica in these Terms are cumulative and not exclusive of any other rights or remedies which we otherwise have at law or equity.

By agreeing to these Terms, I agree to these Terms and the T&C and I consent to the use of electronic signatures and electronic records in connection with the Site. I also authorize all Primerica Companies to disclose my information to the Site for the limited purpose of making my information available on the Site. I HAVE READ AND UNDERSTAND THESE TERMS AND THE T&C AND AGREE TO BE BOUND THEREBY.

I acknowledge that I have received an electronic copy of these Terms.

Print a copy of these Terms for your records and later reference.