Genworth Website Terms and Conditions of Use

Genworth insurance and financial services companies ("Genworth") provide this website (the "Site"), subject to the following Terms and Conditions of Use, which may be updated by us from time to time by posting the revised Terms and Conditions of Use here without further notice to you. This Site provides you with certain services, including but not limited to, access to information about the products and services offered by Genworth companies and may provide you with information regarding other financial and consumer services and products offered by Genworth Financial, Inc. and its affiliates ("Affiliates") and other third party providers ("Providers"). Use of this Site and the services are subject to the Terms and Conditions of Use and all applicable laws. Certain areas within this Site may be subject to additional or different terms and conditions of use, which are posted in those areas. Not all of the services and materials described on this Site are available for use in all geographic areas of the United States or in all countries where Genworth conducts business. By using the Site, you agree to abide by all of the terms and conditions set forth in this notice. Unless stated otherwise, any new services and materials added to this Site also will be covered by these Terms and Conditions of Use.

PLEASE READ THESE TERMS CAREFULLY. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ACCESS OR OTHERWISE USE THIS WEBSITE OR ANY INFORMATION CONTAINED ON THIS WEBSITE. YOUR ACCESS AND USE OF THIS WEBSITE CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW.

Limited License

Subject to the terms and conditions set forth in this Agreement, Genworth grants you a non-exclusive, non-transferable, limited right to access, use and display this Site and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the Site in any way. Genworth authorizes you to view and download the information ("Materials") at this Site only for your individual use. This authorization is not a transfer of title in the Materials and copies of the Materials and is subject to the following restrictions: 1) you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials; 2) you may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose (other than for your own benefit); and 3) you must not transfer the Materials to any other person. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time.

No Offer

THE INFORMATION ON THIS SITE IS NOT AN OFFER BY OR ON BEHALF OF GENWORTH FINANCIAL, INC. OR ITS AFFILIATES TO SELL OR SOLICIT AN OFFER TO BUY ANY SECURITY OR INSURANCE PRODUCT.

No Professional Advice

The information available on the Site is intended to be a general information resource regarding the matters covered, but is not offered as legal, accounting, tax or other financial advice, and is not tailored to a customer's specific circumstances. ALL INFORMATION, OPINIONS AND ADVICE AVAILABLE ON THIS SITE SHOULD BE EVALUATED IN CONSULTATION WITH A LEGAL, ACCOUNTING, TAX, INVESTMENT OR OTHER FINANCIAL SPECIALIST. Genworth does not warrant the accuracy, completeness or usefulness of such information. Any reliance you place on such information is strictly at your own risk and Genworth disclaims all liability and responsibility for any such reliance.

Copyrights/Trademarks

This Site, including all Materials, is copyrighted by Genworth Financial, Inc. or its licensors, and protected by worldwide copyright, trademark and intellectual property laws and treaty provisions. You agree to comply with all such laws worldwide in your use of this Site and to prevent any unauthorized copying of the Materials. Except as expressly provided herein, Genworth does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information. No part of the Materials, including text, videos, photographs, graphics, designs, logos, icons, images, messages, documents, media, data, charts, codes and other information, functionality or materials, may be reproduced or transmitted in any form by any means without the express written consent of Genworth Financial, Inc. GENWORTH®, GENWORTH FINANCIAL® and the Genworth Logo® are trademarks of Genworth Financial, Inc. registered in the United States Patent & Trademark Office.

Further, with respect to this Site, including all information, content, data, any Materials referenced, you may not:

• use the information, content, data, or Materials in any other website or in any network computer environment in any form; 

• use any manual or automatic device, tool, or process, including robots, spiders, scripts, service, or software, to mine or scrape the information, content, data, or Materials from this Site; provided, however, that a limited exception from the foregoing exclusion is provided to general purpose internet search engines and non-commercial public archive that use tools to gather information for the sole purpose of displaying hyperlinks to the sites, provided they each do so from a stable IP address or range of IP addresses using an easily identifiable agent.   Please also see section, “External Links to the Site;”

• use the information, content, data, or Materials for the purpose of developing a software program or system, such as training a machine learning or artificial intelligence system; 

• use any manual or automatic device, tool, process, or service designed to avoid restrictions, conditions, or technological measures that control access to the information, content, data, or Materials on this Site, including overriding or bypassing security features, access controls, or use limits outlined in these Terms and Conditions of Use; 

• archive, store, or cache, any information, content, data, or Materials in any way, except for a public search engine’s use of spiders for creating search indices; 

• take any action that imposes an unreasonable or disproportionately large burden on our network or infrastructure; or 

• take any action that could alter, disable, or damage either the appearance or function of the Site, including the presentation of advertising. 

All of the above uses are considered prohibited actions and may be subject to civil, criminal, and/or administrative penalties, fines, or sanctions against you or those working with you.

DISCLAIMER

YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (1) YOUR USE OF THIS SITE AND THE SERVICES AND MATERIALS PROVIDED AT THE SITE ARE AT YOUR SOLE RISK, AND (2) THE MATERIALS MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. GENWORTH FINANCIAL, INC., ITS AFFILIATES AND THE PROVIDERS DO NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE MATERIALS OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON THE MATERIAL OR ANY OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK.

GENWORTH FINANCIAL, INC., ITS AFFILIATES AND THE PROVIDERS (AS TO THEIR MATERIALS ONLY) RESERVE THE RIGHT, IN THEIR SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE SITE. WE USE REASONABLE EFFORTS TO PROVIDE YOU WITH ACCURATE INFORMATION. WE RESERVE THE RIGHT, HOWEVER, TO MAKE CORRECTIONS AND/OR CHANGES SHOULD THIS INFORMATION PROVE TO BE INACCURATE. GENWORTH FINANCIAL, INC., ITS AFFILIATES AND THE PROVIDERS (AS TO THEIR MATERIALS ONLY) MAY MAKE ANY OTHER CHANGES TO THE SITE, THE MATERIALS AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THE SITE AT ANY TIME WITHOUT NOTICE.

THIS SITE, THE SERVICES, INFORMATION AND MATERIALS ON THE SITE AS WELL AS ANY SOFTWARE MADE AVAILABLE ON THE SITE, ARE PROVIDED "AS IS" WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, OR FITNESS FOR ANY PARTICULAR PURPOSE.

Limitation of Liability

YOU UNDERSTAND AND AGREE THAT GENWORTH FINANCIAL, INC., ITS AFFILIATES AND THE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES, COSTS OR LOSS OF PRODUCTS, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM: (i) YOUR USE OF OR INABILITY TO VIEW, ACCESS, NAVIGATE OR USE THE SITE, THE SERVICES, OR MATERIALS, OR (ii) OBTAINING SUBSTITUTE PRODUCTS AND/OR SERVICES, OR (iii) THE USE OF ANY DATA, INFORMATION, PRODUCTS OR SERVICES OBTAINED FROM TRANSACTIONS ENTERED INTO THROUGH THE WEBSITE, OR (iv) ANY STATEMENT OR CONDUCT OF ANY THIRD PARTY, OR (v) ANY OTHER MATTER RELATED TO THE SITE, THE SERVICES OR MATERIALS.

SOME OF THE DISCLAIMERS AND LIMITATIONS OF LIABILITY IN THE ABOVE SECTIONS MAY NOT APPLY TO YOU, because some jurisdictions do not allow for certain limitations with respect to duration or disclaimer of warranties, or exclusion or limitation of liability for consequential or incidental damages. This Limitation of Liability shall be to the maximum extent permitted by applicable law. If it is finally determined by a court of law or an arbitrator that the limitation of liability set forth in this Section does not apply to you, then you agree that Genworth’s total liability in the aggregate for any claims made by you or any third party on your behalf shall not exceed one hundred dollars ($100.00).

Links to Third Party Sites

As a convenience to you, Genworth Financial, Inc. and its Affiliates may provide, on this site, links to websites operated by other entities. If you use these sites, you will leave this Site. If you decide to visit any linked site, you do so at your own risk, subject to that site's terms and conditions of use and privacy policy that may be different from those of this Site. It is your responsibility to take all protective measures to guard against viruses or other destructive elements you may encounter on these sites. Genworth Financial, Inc. and its Affiliates make no warranty or representation regarding, and do not endorse, any linked websites or the information appearing thereon or any of the products or services described thereon. Links do not imply that Genworth Financial, Inc., its Affiliates or this Site sponsors, endorses, is affiliated or associated with, or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of Genworth Financial, Inc. or any of its affiliates or subsidiaries.

External Links to the Site

All links to the Site must: (i) contain the name "Genworth"; (ii) display the linked page full-screen in a fully operable and navigable browser window and not within a "frame" on the linked website; and (iii) have an appearance, position, or other aspects that would neither create the false appearance that an entity or its activities or products are associated with or sponsored by Genworth nor damage or dilute the goodwill associated with the name and service marks/trademarks of Genworth Financial, Inc. or its Affiliates. Genworth reserves the right to block any link at any time in its sole discretion.

Viruses

There is always the possibility of unknowingly acquiring computer viruses on the Internet and thus we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. Genworth Financial, Inc. and its Affiliates are not responsible or liable for any damage caused by viruses or related hazards, whether or not that virus or hazard resulted from a visit to this Site. You, and not Genworth Financial, Inc. or its Affiliates, assume the entire cost of all necessary servicing, repair, or correction related to computer viruses.

Information Provided By You

In order to use certain Services on this Site, you may have to register. You agree to provide true, accurate and current information about yourself as prompted by the registration and application forms on this Site. If any information you provide is untrue, inaccurate, incomplete or not current, or if Genworth Financial, Inc. or any Affiliate has reasonable grounds to suspect that such information is untrue, inaccurate, incomplete or not current, Genworth, in its sole discretion, has the right to suspend or terminate your access to the Site. You may update information about yourself by logging into your account, calling the number on your policy statement, writing to the address on that statement, or calling 888 GENWORTH (888.436.9678). You are solely responsible for controlling your user name, password, and answers to any security questions, for maintaining the confidentiality thereof, and for authorizing, monitoring and controlling access to and use of your account, whether by you or others. Further, you agree that Genworth will not be liable to you or any third party if Genworth terminates your access to the Site, and the Services or Materials thereon, or disables any username, password or other identifier for any reason.

Except for the information you submit during the registration process or during the use of any other service offered through this Site (the "Permitted Information"), Genworth Financial, Inc. and its Affiliates do not want you to, and you should not, send any confidential or proprietary information to Genworth Financial, Inc. or its Affiliates via the Site, i.e., through a bulletin or comment platform. You agree that any information or materials that you or individuals acting on your behalf provide to Genworth Financial, Inc. or its Affiliates other than the Permitted Information will not be considered confidential or proprietary. By providing any such information or materials to Genworth Financial, Inc. or its Affiliates, you grant to Genworth Financial, Inc. and its Affiliates an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit, distribute and sub-license to others such information and materials, and you further agree that Genworth Financial, Inc. and its Affiliates are free to use, and allow others to use, any ideas, concepts or know-how that you or individuals acting on your behalf provide to Genworth Financial, Inc. or its Affiliates. You further recognize that Genworth Financial, Inc. and its Affiliates do not want you to, and you warrant that you shall not, provide any information or materials to Genworth Financial, Inc. or its Affiliates that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.

Genworth Financial, Inc. and its Affiliates will use the Permitted Information in accordance with the Genworth Privacy Policy posted on this Site.

SMS Notifications

As used in this Terms of Use document, "SMS Notifications" means any SMS (text message) communication from us to you pertaining to your policy/contract or if applicable, claim(s), including, but not limited to, premium notifications, document status, and claim notifications.
How to UNSUBSCRIBE - You may withdraw your consent to receive SMS Notifications by texting STOP to the message you receive. You may also withdraw your consent by contacting us via phone at 800.404.2956. At our option, we may treat your provision of an invalid mobile phone number, or the subsequent malfunction of a previously valid mobile phone number, as a withdrawal of your consent to receive SMS Notifications.
To request additional information, contact us via phone at 800.404.2956.
How to Update Your Records - It is your responsibility to provide us with your true, accurate and complete name, mobile number, address and email address, and to maintain and update promptly any changes in this information. You can update your mobile number and the other information in your profile by logging in to Genworth.com and accessing your profile or via phone at 800.404.2956.
Hardware and Software Requirements -To receive SMS Notifications, you must have: a SMS-capable mobile phone; an active mobile phone account with a communication service provider that offers SMS services; and enough storage capacity on your mobile phone.
Communications in Writing - All SMS Notifications in electronic format shall be considered “in writing” to the extent allowed by law.
Charges - There are no charges for SMS Notifications by Genworth, but you are responsible for any and all charges, including, but not limited to, fees associated with text messaging, imposed by your communications service provider. Consult your mobile service carrier's pricing plan to determine the charges for sending and receiving text messages. These charges will appear on your mobile phone bill.
Response to SMS Notifications not available - Please note that the SMS Notifications are to provide you with status regarding your policy or claim or online profile only. You cannot respond to a Genworth SMS Notification to communicate with Genworth. To contact Genworth, please call us at 800.404.2956 or text HELP.
911 and Emergency Calls not available - You cannot respond to a Genworth SMS Notification to make a 911 or emergency call. Genworth will not be responsible for any claim, damage, or loss related to use of this function for a 911 or emergency call.
Other Important Terms - Additionally, you agree that we may send any SMS Notifications through your communication service provider in order to deliver them to you. You agree that you have provided your valid mobile phone number for these services, and that you will promptly update your profile on Genworth.com with any new information including a new mobile number. You understand that you are not required to receive text messages (directly or indirectly) as a condition of transacting with Genworth. Text messages may be sent by automatic telephone dialing system. You further agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a mobile phone number that is not your own, or your violation of applicable federal, state or local law, regulation or ordinance, or for unauthorized interception of any message by a third party. Messages sent to you via SMS Notifications are provided for your convenience only, and our failure to notify you via text will not relieve you of any obligations. We may modify or terminate our text messaging services from time to time, for any reason, and without notice, including the right to terminate text messaging with or without notice, without liability to you, any other user or a third party. We reserve the right to modify these Terms of Use from time to time without notice. Please review these Terms of Use from time to time so that you are timely notified of any changes.

Security

Genworth uses reasonable administrative, physical and electronic security measures to protect against possible loss, misuse or alteration of Permitted Information or content posted on Bulletin Boards.

Notices

Notices from Genworth Financial, Inc. and its Affiliates to you regarding your use of the Site, the Services and Materials will be made by e-mail or regular mail, in the sole discretion of Genworth Financial, Inc. or the applicable Affiliate, unless otherwise required by law or contract, and you agree to receive such communications.

General Terms

Genworth reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms and Conditions of Use in whole or in part, at any time without notice; you should periodically revisit this Site to review the current terms and conditions by which you are bound. Changes in these Terms and Conditions of Use will be effective when posted. Your continued use of the Site, the Services and Materials after any changes to these Terms and Conditions of Use are posted will be considered acceptance of the changes.

Genworth may terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the Site, at any time without notice. Genworth may also impose limits on certain features and services or restrict your access to all or parts of the Site without notice or liability. Genworth may terminate the authorization, rights and license given above.

The Terms and Conditions of Use constitute the entire agreement between Genworth Financial, Inc., its Affiliates and you in connection with your use of this Site, the Services and the Materials. Any cause of action you may have with respect to your use of this Site, the Services or the Materials must be commenced within one (1) year after the claim or cause of action arises. If for any reason an arbitrator or a court of competent jurisdiction finds any provision of these Terms and Conditions of Use or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of these Terms and Conditions of Use, and the remainder of the Terms and Conditions of Use shall continue in full force and effect. In the event of termination, the disclaimers and limitations of liabilities set forth in the Terms and Conditions of Use will survive.

The Terms and Conditions of Use will be deemed to include all other notices, policies, disclaimers and other terms contained in this Site and in other contracts that you may have executed with Genworth Financial, Inc. and its Affiliates.

International Users and Choice of Law

This Site is controlled, operated and administered by Genworth from its offices within the United States of America for consumers in the United States of America. Genworth makes no representation that materials at this Site are appropriate or available for use at other locations outside the United States and access to them from territories where their contents are illegal is prohibited. You may not use the Site or export the Materials in violation of U.S. export laws and regulations. If you access this Site from a location outside the United States, you are responsible for compliance with all local laws.

This Agreement constitutes the entire agreement between Genworth and you with respect to your use of this Site. Any cause of action you may have with respect to your use of this Site must commence within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of this Agreement or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of the Agreement, and the remainder of this Agreement shall continue in full force and effect.

Governing Law; WAIVER OF JURY AND CLASS ACTION

These Terms and Conditions of Use shall be governed by the laws of the State of New York, United States of America, without giving effect to its conflict of laws provisions, except as to matters relating to arbitration, which shall governed by the Federal Arbitration Act.

You agree that any dispute between you and Genworth arising out of or relating to these Terms and Conditions of Use, the Privacy Policy, the Site or any Material will be decided only by arbitration, individually and not on a class-wide basis. You knowingly waive any right to participate in any form of "class," "joint" or "representative" litigation (including in any "private attorney general capacity") against Genworth. Any arbitration will be administered by the American Arbitration Association and will take place in New York, NY, U.S.A.

Waiver of Jury Trial: YOU AND GENWORTH HEREBY IRREVOCABLY WAIVE ANY AND ALL RIGHT TO A TRIAL BY JURY WITH REGARD ANY DISPUTE, CLAIM, QUESTION, OR DISAGREEMENT ARISING OUT OF OR RELATING TO OR IN CONNECTION WITH THESE TERMS AND CONDITIONS OF USE, THE PRIVACY POLICY, THE SITE, ANY MATERIAL, OR THE RELATIONSHIP OF THE PARTIES HEREUNDER.

Notice Required by California Law

Pursuant to California Civil Code Section 1789.3, users are entitled to the following specific consumer rights notice:

The name and address of the provider of the Site is Genworth Financial, Inc., 11011 West Broad Street, Glen Allen, Virginia 23060. Complaints regarding the Site or Material or requests to receive further information regarding use of the Site or Material may be sent to the above address or to consumerhotline@genworth.com.

The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Boulevard, Suite S202, Sacramento, CA 95834 or by telephone at (916) 574-7950 or (800) 952-5210.

Requirement of Written Agreement

The purchase or sale of insurance and/or securities between Genworth and its customers are governed by written policies or contracts. The terms of these policies or contracts are binding on the parties. No other representation, whether made in person, online, electronically (including, but not limited to, representations on this Site), in writing, or by graphic or verbal communication may alter the terms of those policies or contracts.

Legal Notice

The Material on the Site is for informational purposes only and it covers a variety of topics on insurance and other financial products and services. Although some of the information involves tax, legal, accounting or similar issues, neither Genworth Financial, Inc. nor its affiliated companies offering the products or services nor their agents or affiliates are in the business of offering such advice. In addition, advice on such matters must fit your particular circumstances. Consequently, we strongly encourage you to consult with your own professional advisors to examine the legal, tax, accounting or investment aspects of any information presented on this website and how they may affect your particular situation.

THIS SITE IS NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY COUNTRY OR JURISDICTION WHERE SUCH DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION. BY OFFERING THIS SITE AND INFORMATION, OR ANY PRODUCTS OR SERVICES VIA THIS SITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY GENWORTH FINANCIAL, INC. OR ITS AFFILIATES TO ANY PERSON TO USE THIS SITE, OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THIS SITE AND SUCH INFORMATION, PRODUCTS AND SERVICES IS PROHIBITED BY LAW.

The products and services described on this website:

• are available only to consumers in the United States of America unless otherwise specifically noted;

• may not be available in all states of the USA; and

• are subject to all applicable laws and regulations.

THE FINANCIAL OBLIGATIONS OF INDIVIDUAL PRODUCTS OR POLICIES ARE THE SOLE RESPONSIBILITY OF THE UNDERWRITING COMPANY. NEITHER GENWORTH FINANCIAL, INC. NOR ANY OTHER AFFILIATES OF THE UNDERWRITING COMPANY ARE LEGALLY RESPONSIBLE FOR PRODUCT/POLICY OBLIGATIONS.

The information contained on this website is inherently limited in scope and may change without notice. The information also does not contain all of the applicable terms, conditions, limitations or exclusions of the products or services described.

Genworth Financial, Inc. is an insurance holding company made up of a number of individual insurance companies. Below is a list of those insurance companies. Not all of the insurers identified below provide information, offer services, or may be available on this website.

Questions?

Contact Genworth at 888 GENWORTH (888.436.9678)