Exemption from liability
(disclaimer)

Our websites serve to convey information about our business as well as our products and services. None of the model suggestions, checklists, recommendations, (risk) profiles or calculation examples therein constitute offers for taking out contracts, but are meant only to illustrate possible insurance or financing solutions. Tables, automatically generated calculations, analyses/evaluations etc., are not binding and are meant to serve only as guidelines.

Great care has been taken to make the site secure, stable and current for the user. Our website is regularly brought up to date, both technically and in terms of content. Despite our best efforts, security and freedom from disruption as well as the timeliness and confidentiality of the data and/or contents (attachments) cannot be guaranteed because of the public nature of the Internet.

You are using the Internet and the website published by us at your own risk. This also applies to e-mail, to links that bring you to us, for example links that we offer you, as well as the content of third-party websites accessed by links.

Swiss Life Ltd assumes no liability whatosever for direct or indirect damages incurred by users of its websites or those of third parties as a result of any contacts or transactions via the Internet. In particular it shall not be responsible for the accuracy, timeliness or completeness of the data or content shown, or transmitted electronically or by telephone.

Liability is specifically (but not exclusively) ruled out for transmission errors, technical defects, faults or disruptions to telephone networks or Internet access, illegal intrusion into networks, deliberate contamination by viruses, copying or falsification of data and attachments, network overload, failure to detect forgeries, inadequate authorisation procedures or deliberate or accidental blocking of electronic access by third parties.

Declaration of confidentiality and data protection policy
As a matter of principle, any visit to our website and access to information on these web pages takes place anonymously. Should we need some form of identification and/or certain information from you in order to provide the requested services, to send you information material, to generate profiles or analyses, or for you to enter a competition etc., you will be informed of this in advance. If you submit your personal data to us via the Internet, we will only use the information for the purposes you request and will only pass on your data to third parties, including Swiss Life Group companies, with your express permission. This protection (and restricted use) of your personal details is ensured from the moment we receive your data.

Domicile clause
Headquartered in Zurich, Swiss Life Ltd has a licence to market its products in Switzerland and the Principality of Liechtenstein. If you are interested in receiving more information in order to take out a policy or contract and you live outside Switzerland or Liechtenstein, we recommend that you contact your local Swiss Life Ltd representative, or alternatively contact one of our branches or subsidiaries via our website http://www.swisslife.com/.

Copyright
Swiss Life Ltd
General-Guisan-Quai 40
P.O. Box
CH-8022 Zurich / Switzerland

All rights reserved. The information contained herein may not be reproduced, distributed, commercially exploited or modified, in whole or in part, without prior written permission from Swiss Life Ltd.

© 2004 Swiss Life Ltd. All rights reserved.