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Terms of Use

UPDATED AS OF: December 20, 2013


This website and its interactive features, applications, and social network pages (“Platforms”) are operated by MassMutual Financial Group, which is a marketing name for Massachusetts Mutual Life Insurance Company (“MassMutual”) and its affiliated companies and sales representatives (“we, “us” or “our). Founded in 1851, MassMutual is a mutually owned financial protection, accumulation and income management company headquartered in Springfield, Mass. We are a premier provider of life insurance, annuities, disability income insurance, long term care insurance, retirement planning products, income management and other products and services for individuals, business owners, and corporate and institutional markets.

MassMutual's affiliates include:

• Babson Capital Management LLC
• Baring Asset Management Limited
• C.M. Life Insurance Company
• Cornerstone Real Estate Advisers LLC
• First Mercantile Trust
• MassMutual International LLC
• MassMutual Asset Finance LLC
• MML Bay State Life Insurance Company
• MML Investors Services
• OppenheimerFunds, Inc.
• The MassMutual Trust Company, FSB

Please read this Legal Notice/Terms of Use statement carefully before using the Platforms. By using the Platforms you accept and agree to be bound to these Terms of Use and our Online Privacy Policy. If you do not want to agree to these Terms of Use you should not access or use the Platforms.

Changes to the Terms of Use
We may revise and update these Terms of Use from time to time. If we make any material changes we will post a notice on our Platforms prior to the change becoming effective. We encourage you to periodically review this page for the latest version of our Terms of Use.

Access and Security
When accessing the Platforms you may be asked to provide certain registration details or other information. In general, the e-mail services provided by the Platforms are not encrypted and do not provide a secure and private means of communication with us. Certain services offered on the Platforms do provide a secure means to communicate with us, and you will be advised when you are using such a service. To protect your own privacy, confidential and/or personal information should only be communicated via e-mail when you are advised that you are using a secure mechanism.

We do not guarantee or warrant that any part of the Platforms including files available for download, are free of viruses or other harmful code. It is your responsibility to take appropriate precautions, such as use of an anti-virus software package, to protect your computer hardware and software.

Disclaimer of Warranties
EXCEPT AS PROHIBITED OR LIMITED BY LAW, YOUR USE OF THE PLATFORMS, ANY CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE PLATFORMS IS AT YOUR OWN RISK. ALL INFORMATION PRESNENTED THROUGH THE PLATFORMS IS FURNISHED “AS IS” WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, INCLUDING WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT OF INTELLECTUAL PROPERTY. WITHOUT LIMITING THE FOREGOING, MASSMUTUAL DOES NOT REPRESENT OR WARRANT THAT THE PLATFORMS, THEIR CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THEREIN WILL BE ACCURATE, ERROR FREE, OR UNINTERREPTED, THAT DEFECTS WILL BE CORRECTED, THAT THE PLATFORMS ARE FREE OF VIRUSES OR OTHER HARMFUL CODE.

Limitation of Liability
IN NO EVENT WILL MASSMUTUAL, ITS AFFILIATES, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR INABILITY TO USE THE PLATFORMS, ANY WEBSITES LINKED THROUGH THE PLATFORMS, ANY CONTENT ON THE PLATFORMS, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE PLATFORMS, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF DATA, AND WHETER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

Third Party Content, Products and Services (Including Links)
We permit links from other websites and provide links to other websites simply as a convenience to visitors and when you click on these links you are leaving our Platforms. The existence of a particular link does not indicate an endorsement by us of the linked site. Unless otherwise indicated, the linked sites are not under our control and we are not responsible for the content of any linked site or any link contained in a linked site, or any changes or updates to such sites. We make no representations about the accuracy or completeness of the information contained in any linked sites and assume no liability for the content or presentation of linked sites. The operators of those other websites may collect information about you through the use of cookies or other web technologies and we have no control over the privacy or security practices of those third parties. We recommend that you review the privacy, security and terms of use policies and notices of any linked website you may visit.

We are not responsible, and assume no liability, for content displayed on the Platforms that may be provided by another party. We are not responsible for the accuracy or completeness of any such content. We reserve the right, in our sole discretion, to remove links to other websites at any time.

Permissible Use of Materials
The Terms of Use permit you to use the Platforms for your personal, non-commercial use only and you may download or print a copy of the information or materials contained on the Platforms for lawful, personal, non-commercial use only, provided that the copy retains all copyright and other proprietary notices contained on the materials. Any other copying, republication or redistribution, reproduction, uploading, posting, or transmittal of the text or graphics of the Platforms is expressly prohibited without our prior written permission. You can request permission by contacting us.

You may not include our corporate name or any of our trademarks (for example, MassMutual Financial Group®, Massachusetts Mutual Life Insurance CompanySM, or MassMutual®) or any variation of them, as a metatag, hidden textual element, or any other indicator that may create an impression of an affiliation, relationship, or endorsement between any other party and us or our subsidiaries or affiliates.

License to Conduct Business
MassMutual is a mutual life insurance company organized under the laws of the Commonwealth of Massachusetts. MassMutual is licensed to transact life, accident, and health insurance business in all states, the District of Columbia, and Puerto Rico, and certain provinces of Canada. MassMutual's principal place of business is 1295 State Street, Springfield, Massachusetts, and its NAIC number is 65935.

MassMutual also has two insurance subsidiaries through which some insurance products are sold. They are MML Bay State Life Insurance Company ("MML Bay State") and C.M. Life Insurance Company ("C.M. Life"). MML Bay State is domiciled in Connecticut and its principal place of business is 100 Bright Meadow Boulevard, Enfield, Connecticut. MML Bay State is licensed in all states (except New York) and the District of Columbia. MML Bay State's NAIC number is 70416. MML Bay State is licensed to transact a variable annuity business in 45 jurisdictions.

C.M. Life is domiciled in Connecticut and its principal place of business is 100 Bright Meadow Boulevard, Enfield, Connecticut. C.M. Life is licensed in all states (except New York), the District of Columbia, and Puerto Rico. C.M. Life's NAIC number is 93432. C. M. Life is licensed to transact a variable annuity business in all states (except New York), the District of Columbia, and Puerto Rico. C.M. Life is currently licensed to transact a variable life insurance business in all states (except New York and California), the District of Columbia and Puerto Rico.

This website is not intended as a solicitation in any jurisdiction in which MassMutual or any of its subsidiaries is not authorized to transact business.

For more information on our subsidiaries, click here.

Site Operation
We operate the Platforms in and in accordance with the laws of the United States. We do not represent that the Platforms are appropriate or available for use in other locations. Access from certain locations may be strictly prohibited. Those who access this site do so on their own initiative and are responsible for compliance with all applicable local laws. The laws of the Commonwealth of Massachusetts will govern any claims relating to the information contained on this website.

If you take legal action relating to this website, you agree to file such action only in the Superior Court of Hampden County, Springfield, Massachusetts or in the United States District Court for the District of Springfield, Massachusetts, and you consent and submit to the personal jurisdiction of those courts for the purpose of litigating any such action.

No Offers
The information contained on this website does not constitute an offer or solicitation for the sale of any security, insurance product, or service in any jurisdiction where we are not licensed to conduct business or where the security or insurance product is not available for sale. Securities products are offered for sale by prospectus only.

No security or insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation would be unlawful under the laws of the jurisdiction. Some product, product features, or underlying investment options may not be available in all states. Products are generally not available for purchase outside the United States. To obtain additional information about our products, contact a local MassMutual agent or contact us.

No Legal or Tax Advice
The information provided is not written or intended as specific tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. MassMutual, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

Policy / Contract / Certificate / Account
Through use of a Personal Identification Number ("PIN"), you may be able to access your policy, contract, certificate or account ("account") information on this website. In doing so, you may be transmitting personal information. By using this website to gain access to your account information, you consent to the electronic transmission of that personal information.

You are solely responsible for the confidentiality and use of your PIN and account number(s). You accept full responsibility for all transactions entered through your PIN. You agree to immediately notify us if your PIN is lost or stolen, if you become aware that your PIN and/or account number(s) is/are being used in an unauthorized manner, if you receive any confirmation of a transaction that you did not enter, or if you receive confirmation or a report containing conflicting or inconsistent information regarding your account.

Failure to notify us of one of the above conditions will release us and our employees, agents, affiliates and subsidiaries from any responsibility or liability to you or any other person or entity resulting from the management or loss of any transaction.

We reserve the right to discontinue electronic access to your account at any time. We further reserve the right to modify the information contained on this website or modify the availability of any transactions at any time. We may immediately and without notice terminate your ability to access your account information if you violate the conditions of use stated herein or if you endanger the use of the services provided through this website.

Trademark and Copyright Notices
MassMutual®, Massachusetts Mutual®, MassMutual Financial Group®, MassMutual Financial Group & design®, MassMutual Logo®, Massachusetts Mutual Life Insurance CompanySM, and combinations of the foregoing, as well as “We’ll Help You Get There®”, are registered trademarks or servicemarks of Massachusetts Mutual Life Insurance Company. All other company related marks, products and service names are trademarks and/or service marks of Massachusetts Mutual Life Insurance Company or its subsidiaries. The contents of this site are protected by trademark or other intellectual property laws of the U.S. or in some instances, foreign laws. Unauthorized use may violate trademark and other laws.

Legal Notice –Terms of Use Statement Subject to Change
This Legal Notice/ Terms of Use statement may be changed from time to time. We will notify you of any changes by modifying this website. We recommend that you review this Legal Notice/ Terms of Use statement periodically for changes.

Compensation Arrangements
Information regarding compensation MassMutual receives from fund advisers, additional compensation payments to distributors, and compensation MassMutual pays to producers who place insurance with MassMutual.

Privacy Policy

UPDATED AS OF: December 20, 2013


MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (“MassMutual”) and its affiliated companies and sales representatives. This online privacy policy is being provided by the following companies in the MassMutual Financial Group:

• Massachusetts Mutual Life Insurance Company
• C.M. Life Insurance Company
• MML Investors Services
• MML Bay State Life Insurance Company

At MassMutual (“we”, “us”, or “our”) we are committed to maintaining your confidence and trust as it relates to the privacy of your information. Please read below and learn how we collect, protect, share and use your information as part of our technology platforms, including, without limitation, our websites, interactive features, applications, and social network pages (“Platforms”).


1. INFORMATION WE COLLECT ON OUR PLATFORMS

Information You Provide To Us

We may collect Personal Information (information that can be used to identify you as an individual) such as your name, email, telephone number, home address, demographic information (such as zip code, age), payment information (such as account or credit card number), social security number, medical and health information, checking history, account balances. The types of Personal Information we collect may vary depending on your use of the features of the Platforms. If you are a customer of MassMutual and use the Platforms to access account, contract or policy information, we will handle your information in accordance with our customer privacy notice which you may access here.

Information We Collect Automatically

Usage Information. Whenever you visit or interact with the Platforms, we, as well as any third-party advertisers and/or service providers, may use a variety of technologies that automatically or passively collect information about how the Platforms are accessed and used (“Usage Information”). Usage Information may include browser type, device type, operating system, application version, the page served, the time, the preceding page views, and your use of features or applications on the Platforms. This information helps us keep our Platforms fresh and interesting to our visitors and allows us to tailor content to a visitor’s interests.

Device Identifier. We automatically collect your IP address or other unique identifier (“Device Identifier”) for the Device (computer, mobile phone, tablet or other device) you use to access the Platforms. A Device Identifier is a number that is assigned to your Device when you access a website or its servers, and our computers identify your Device by its Device Identifier. We may use a Device Identifier to, among other things, administer the Platforms, help diagnose problems with our servers, analyze trends, track users’ web page movements, help identify you and your interests, and gather broad demographic information for aggregate use.

Cookies; Pixel Tags. The technologies used on the Platforms to collect Usage Information, including Device Identifiers, include but are not limited to: cookies (data files placed on a Device when it is used to visit the Platforms), mobile analytics software and pixel tags (transparent graphic image, sometimes called a web beacon or tracking beacon, placed on a web page or in an email, which indicates that a page or email has been viewed). Cookies may also be used to associate you with social networking sites like Facebook and Twitter and, if you so choose, enable interaction between your activities on the Platforms and your activities on such social networking sites. We, or our vendors, may place cookies or similar files on your Device for security purposes, to facilitate site navigation, to perform analytics, and personalize your experience while visiting our Platforms (such as allowing us to select which ads or offers are most likely to appeal to you, based on your interests, preferences, location, or demographic information). A pixel tag may tell your browser to get content from another server.

To learn how you may be able to reduce the number of cookies you receive from us, or delete cookies that have already been installed in your browser’s cookie folder, or prevent tracking activities, please refer to your browser’s tools or help menu or other instructions related to your browser. If you do disable or opt out of receiving cookies, please be aware that some features and services on our Platforms may not work properly because we may not be able to recognize and associate you with your account(s). In addition, the offers we provide when you visit us may not be as relevant to you or tailored to your interests.


2. HOW WE USE THE INFORMATION WE COLLECT

We use the information we collect about and from you for a variety of business purposes such as to respond to your questions and requests for services; provide you with access to certain areas and features of the Platforms such as certain products and services; purchase history; verify your identity; communicate with you about your account and activities on the Platforms and, in our discretion, changes to any of our policies; tailor content, advertisements, and offers we serve you; improve the Platforms; comply with license obligations; and for purposes disclosed at the time you provide your Personal Information or otherwise with your consent. We may also collect your location based information for the purpose of providing you with certain services.


3. SHARING OF INFORMATION

Except as described here, we will not provide any of your Personal Information to any third parties without your specific consent. We may share non-Personal Information, such as aggregate data and Usage Information with third parties. We may also share your information as disclosed at the time you provide your information, as set forth in this Privacy Notice and in the following circumstances:

Third Parties Providing Services. We may share your Personal Information with third parties that perform functions on our behalf (or on behalf of our partners) such as:

• Agents, brokers and others who provide our products and services to you;

• Our affiliated companies, such as insurance or investment companies, insurance agencies or broker-dealers;

• Nonaffiliated companies in order to perform standard business functions on our behalf including those related to processing transactions you request or authorize, or maintaining your account or policy; service providers that host or operate our Platforms, analyze data, process transactions and payments, fulfill orders, or provide customer service; advertisers; sponsors or other third parties that participate in or administer our promotions, contests, sweepstakes, surveys or provide marketing or promotional assistance and “powered by” partners or partners in co-branded sites. Your Personal Information may also be used by us or shared with our sponsors, partners, advertisers or other third parties to provide you with product information and promotional and other offers.

• Credit bureau reports;

• Other financial institutions with whom we may jointly market products, if permitted in your state.

Your Agreement to Have Your Personal Information Shared. While on our Platforms, you may have the opportunity to opt-in to receive information and/or marketing offers from someone else or to otherwise consent to the sharing of your information with a third party, including social networking sites such as Facebook or Twitter. If you agree to have your Personal Information shared, your Personal Information will be disclosed to the third party and the Personal Information you disclose will be subject to the privacy policy and business practices of that third party.

Business Transfers. We may share your Personal Information with other entities and our affiliates primarily for business and operational purposes. In the event that we are involved in a bankruptcy, merger, acquisition, reorganization or sale of assets, your information may be sold or transferred as part of that transaction.

Legal Disclosure. We may transfer and disclose your information to third parties to comply with a legal obligation; when we believe in good faith that the law or a governmental authority requires it; to verify or enforce our Terms of Use or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect our rights or property or security of third parties, visitors to our Platforms or the public.


4. INFORMATION WE RECEIVE FROM THIRD PARTIES

We may receive information about you from third parties such as consumer or other reporting agencies and medical or health care providers; or through your interactions with our affiliated companies. In addition, if you are on another website and you opt-in to receive information from us, that website will submit to us your email address and other information about you so that we may contact you as requested. You may also choose to participate in a third party application or feature (such as one of our Facebook or Twitter applications or a similar application or feature on a third party website) through which you allow us to collect (or the third party to share) information about you, including Usage Information and Personal Information such as lists of your friends, “likes”, comments you have shared, groups and location. Services like Facebook Connect give you the option to post information about your activities on our Platform to your profile page to share with others within your network. In addition, we may receive information about you if other users of a third party website give us access to their profiles and you are one of their “connections” or information about you is otherwise accessible through your “connections’” web page, profile page, or similar page on a social networking or other third party website or interactive service. We may supplement the information we collect about you through the Platforms with such information from third parties in order to enhance our ability to serve you, to tailor our content to you and/or to offer you opportunities to purchase products or services that we believe may be of interest to you.


5. YOUR PRIVACY RIGHTS, CHOICE AND ACCESS

You may always direct us not to share your Personal Information with third parties, not to use your Personal Information to provide you with information or offers, or not to send you newsletters, emails or other communications by: (i) modifying your registered user information on the Platforms; (ii) sending us an email; (iii) contacting us by mail at Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield MA 01111; or (iv) following the removal instructions in the communication that you receive. Your opt-out request will be processed within 30 days of the date on which we receive it.

If you wish to modify, verify, correct, or delete any of your Personal Information collected through the Platforms, you may edit your registered user information or contact us at the above address or email. In accordance with our routine record keeping, we may delete certain records that contain Personal Information you have submitted through the Platforms. We are under no obligation to store such Personal Information indefinitely and disclaim any liability arising out of, or related to, the destruction of such Personal Information. It may not always possible to completely remove or delete all of your information from our databases without some residual data because of backups and other reasons. We will retain your information (including geo-location data) for as long as your account is active or as needed to provide you services. If you wish to cancel your online account or request that we no longer use your information to provide you services through the platform, contact us. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. We do not control certain privacy settings and preferences maintained by our social media partners like Facebook and Twitter. If you wish to make changes to those settings and preferences, you may do so by visiting the settings page of the appropriate social media site.


6. ADVERTISING; HOW TO OPT-OUT

We may use third party ad network providers to help present ads on the Platforms, as well as other service providers to evaluate and provide us with information about the use of the Platforms and viewing of our content. We do not share Personal Information with these providers (unless, of course, you give us permission). Such providers may place and access cookies, pixel tags, or similar technologies on your Device to serve you ads or other content personalized to your interests which they infer from your browsing on the Platforms and other sites you have visited. In doing so, the provider collects or has access to non-Personal Information such as your Usage Information. The use of cookies, pixel tags, or similar technologies by these providers is subject to their own privacy policies, not ours.


7. CHILDREN

The Platforms are not directed to children under 13. We do not knowingly collect, use or disclose personally identifiable information from anyone under 13 years of age. If we determine upon collection that a user is under this age, we will not use or maintain his/her Personal Information without the parent/guardian’s consent. If we become aware that we have unknowingly collected personally identifiable information from a child under the age of 13, we will make reasonable efforts to delete such information from our records.


8. SECURITY OF YOUR INFORMATION

We take information security seriously and use certain reasonable security measures to help protect your Personal Information. However, no electronic data transmission or storage of information can be guaranteed to be 100% secure. Please note that we cannot ensure or warrant the security of any information you transmit to us, and you use the Platforms and provide us with your information at your own risk.


9. OTHER SITES

The Platforms may contain links to other sites that we do not own or operate. This includes links from advertisers, sponsors and/or partners that may use our logo(s) as part of a co-branding or co-marketing agreement. We do not control, recommend or endorse and are not responsible for these sites or their content, products, services or privacy policies or practices. These other sites may send their own cookies to your Device, they may independently collect data or solicit Personal Information and may or may not have their own published privacy policies. You should also independently assess the authenticity of any site which appears or claims that it is one of our Platforms (including those linked to through an email or social networking page).

The Platforms may make available chat rooms, forums, message boards, and news groups. Remember that any information that you disclose in these areas becomes public information and is not subject to the provisions of this Privacy Notice.


10. CHANGES

We may update this Privacy Notice to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on our Platforms prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.


11. CONTACT US

If you have any questions or concerns about this Privacy Notice, the practices of the Platforms, or your experiences with the Platforms, please contact us.

Insurance products issued by Massachusetts Mutual Life Insurance Company (MassMutual), 1295 State Street, Springfield, MA 01111-0001 and its subsidiaries C.M. Life Insurance Company and MML Bay State Life Insurance Company, 100 Bright Meadow Boulevard, Enfield, CT 06082.


Principal Underwriters: MML Strategic Distributors, LLC. and MML Investors Services, Members FINRA (www.finra.org) and SiPC (www.sipc.org). MML Strategic Distributors, LLC. and MML Investors Services are subsidiaries of Massachusetts Mutual Life Insurance Company, 1295 State Street, Springfield, MA 01111-0001.


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© 2014 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved.