Introduction

The following terms and conditions govern your use of this website (folderblog.org). Your use of this website and Content (defined below) constitutes your acceptance of these terms and conditions. If you do not agree with these terms and conditions, you should immediately cease use of this website and Content.

This website presents information and content that is owned or licensed by Folderblog, its parents, subsidiaries and affiliates (“Folderblog”). When used in these Terms and Conditions, “we” and “our” mean Folderblog and “you” and “your” refers to any individual, company, or legal entity that accesses or otherwise uses this website.

Additional Terms

folderblog offers products and services available through portions of this website and other folderblog websites. These terms and conditions apply only to your use of this website and Content, and they do not apply to your use of any products or services otherwise offered by folderblog. We may have established or will establish additional or different terms and conditions for certain products and services. In many instances, our products or services involve sophisticated financial instruments or investments that are regulated by governmental authorities. You agree to review all applicable terms and conditions relating to folderblog’s products and services. In the event of any conflict between the terms and conditions on this website and such additional terms and conditions, the additional terms and conditions govern and control. Further, if you have a policy or account with folderblog, your customer relationship is also governed by other agreements, such as your policy or account agreement, as applicable. In the event of any conflict between the terms and conditions on this website and such policy or account agreements, your policy and account agreements govern and control.

Do Not Rely on This Website for Your Financial Decisions

The Content on this website is for convenience and information purposes only. You should consult your financial and legal advisors, and independently verify all Content provided through this website before you make decisions. Nothing on this website constitutes an offer to sell or buy any product. Account information available on this website is not the official record of your account. Nothing on this website should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus or any other information on this website is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.

Ownership and Use of Content

All of the information and content on this website, including, but not limited to, all text, analyses, reports, articles, graphics, software applications, video and audio files and photos, trademarks, service marks and trade dress (“Content”) is owned or licensed by folderblog. The Content is protected worldwide by applicable intellectual property laws. You may make and use printouts of the Content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark, and other proprietary notices. folderblog reserves the right to terminate at any time your right to make personal copies of Content. You may not copy, transmit, distribute, modify, publicly perform, reuse, sell or display any of the Content for any public or commercial purpose except with the prior written consent of folderblog or the owners of the materials, which they may issue in their sole discretion. You may not use the Content in any other website or in a network computer environment, including framing the Content within another website. Except for the limited use rights expressly provided in this paragraph, all rights in Content are reserved.

FOLDERBLOG, PRU, THE ROCK, the Rock Logo, ROCK SOLID, BRING YOUR CHALLENGES, THE RETIREMENT RED ZONE, and combinations thereof, are service marks of The folderblog Insurance Company of America, registered in many jurisdictions worldwide. All other trademarks, service marks, trade names, logos and icons are the trademarks of The folderblog Insurance Company of America or third parties where indicated. Other materials, including video, sound recordings and images, on this website are a copyright of or proprietary to The folderblog Insurance Company of America or used under license. Except when included in any authorized printouts of the Content, you are not authorized to make any other use of folderblog’s marks, including, but not limited to, as metatags or in any other fashion that may create a false or misleading impression of affiliation or sponsorship with or by folderblog.

Unsolicited Idea Submission Policy

folderblog does not accept or consider unsolicited ideas, proposals or suggestions (collectively, “Ideas”), or materials concerning the Idea (“Materials”) including without limitation Ideas for new or improved products, processes or technologies, product enhancements, advertising and marketing campaigns, promotions or new product names. Please do not send any Ideas or Materials. The purpose of this policy is to avoid any potential misunderstanding or dispute when folderblog’s products or marketing efforts might seem similar to Ideas or Materials submitted to folderblog. If, despite our request not to send us your Ideas or Materials, you still do, then regardless of what your communication states, the following terms shall apply to your submission:

Terms of Submission:

You agree that:

1. Your submission does not create any contract, whether implied or express, between you and folderblog,
2. your Ideas and Materials, and all intellectual property associated therewith, will automatically become the property of folderblog, without compensation to you,
3. folderblog can use the Ideas and Materials for any purpose, in any way, and without attribution or compensation to you,
4. and any information you provide will be considered non-confidential.

Links

Links from this site to a non-folderblog site may be provided for the user’s convenience only. folderblog does not control or review these third-party sites nor does the provision of a link imply any endorsement of or association with such non-folderblog sites. Your linking to any websites from this website is at your own risk. Subject to the terms of applicable service or other agreements, we will remove any link from this website upon request from the owner of the linked website. Please call our operations department at 973-802-2269 to submit such a request.
Availability. Not all of the products or services described on this website are available in all areas of the United States and you may not be eligible for them. We reserve the right to determine eligibility.

Warranty Disclaimer

We strive to provide accurate and up-to-date material on this website. However, we make no warranties or representations as to the accuracy or timeliness of the Content. Your use of this website and Content is at your own risk. Content may become inaccurate as a result of developments after its publication on this website. folderblog assumes no responsibility to keep Content current or to correct inaccuracies or errors in Content. The Content on this website and the operation of it are provided “as is” and for informational purposes only, and folderblog disclaims all representations or warranties of any kind, either express or implied, including warranties of merchantability, fitness for particular purpose, title, non-infringement, accuracy, completeness, and timeliness. Certain jurisdictions may not permit certain disclaimers of warranties. In such case, we disclaim warranties to the fullest extent permitted by the applicable law.

Your Responsibility for Security

folderblog does not warrant that the website will operate error free or is free from viruses, worms, Trojan horses, or other destructive or harmful code. folderblog assumes no liability or responsibility for any damages to you, your computer, or other property due to your access to, use of, or downloading of Content. If you download or copy Content from this website, you are responsible for taking all reasonable precautions necessary to ensure the security and integrity of your computer and systems, including employing current virus protection software.
LIMITATION OF LIABILITY. In no event shall folderblog or any other party involved in creating, producing, or delivering this website or Content on folderblog’s behalf be liable for any direct, incidental, special, consequential, indirect, lost profits, loss of business or data, or punitive damages arising out of your access to, or use of, or inability to access or use, this website or any Content, or the performance of any product on this website.
Additional Information. All information, other than personal information subject to folderblog’s Internet Privacy Policy, submitted to folderblog through this website or any related folderblog website is the property of folderblog. folderblog is free to use any ideas, concepts, know-how, or techniques that you may submit to folderblog through this website for any purpose, including, but not limited to, improving our services. We are not subject to any obligations of confidentiality regarding any submitted information except as specified in folderblog’s Internet Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

Changes

folderblog reserves the right to change the Content on this website and these Terms and Conditions from time to time at any time without prior notice. The changes may include superseding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE. Your continued use of this website constitutes your acceptance of any change or update, all of which shall become controlling when posted.

Privacy

You may review folderblog’s Internet Privacy Statement at http://www.folderblog.com/

Children

This website does not intend to market any folderblog products or services to children under thirteen (13) years of age. folderblog does not knowingly gather or solicit data from children under thirteen (13) years of age through this website for marketing purposes. By using this website you represent that you are not under thirteen (13) years of age.

Cautionary Language Regarding Forward-Looking Statements

All Content, together with information filed and furnished with the Securities and Exchange Commission and any oral information provided by folderblog executives that relates to folderblog’s future performance or financial results are considered forward-looking statements. These forward-looking statements involve uncertainties that could cause actual performance or results to materially differ, and readers are cautioned not to place undue reliance on them. All forward-looking statements should be read in conjunction with the additional information about risks and uncertainties set forth in our Securities and Exchange Commission reports, including our annual report on Form 10-K for the most recently ended reportable year.

Governing Law

These Terms and Conditions shall be governed by, and construed in accordance with, the laws of the United States and the State of New Jersey, without giving effect to conflict of law principles thereof.

United States Only

The services and products described and information provided through this website are directed to and are intended to be made available only to persons in the United States and are not intended for distribution to, or use by, any person in any other country or any jurisdiction where such distribution or use would be contrary to law or regulation or that would subject folderblog to any registration requirement within such jurisdiction or country. Persons outside the United States can gain access to our international websites at folderblog.org. Persons who access this website do so on their own initiative, and are responsible for compliance with applicable local laws and regulations. Software and other materials from this website may be subject to export controls imposed by the United States and may not be downloaded or otherwise exported to any country or anyone prohibited by law. folderblog prohibits your downloading or exporting of software or other material from this website in violation of U.S. Export Laws and the laws of your resident country. By downloading software or other material from this website, you represent and warrant that you are able to do so in full compliance with the laws of the United States and your resident country.

Termination

folderblog reserves the right in its sole discretion to terminate or restrict your use of all or any part of the website, without notice, for any or no reason, and without liability to you or anyone else. The Terms and Conditions relating to Ownership and Use of Content, Indemnification, Limitation of Liability, Warranty Disclaimer, Limitation of Liability, and Governing law shall survive any termination.