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Terms of Use
General
All products and services of Royal Bank of Canada and its subsidiaries and affiliates are subject to the terms and conditions of the applicable
agreements governing their use.
The Terms are to be read by you together with any terms, conditions or disclaimers provided in the pages of the Site. In the event of any conflict, the
terms provided in the pages of the Site will govern.
The information, material and content provided in the pages of the Site (the "Information") may be changed at any time without notice. Changes may be
made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access or use of the
Site will mean that you agree to any changes.
Local Laws; Export Control
It is important to note that not all of the products, services and Information are available in all jurisdictions outside Canada. The Information does not
constitute an offer or solicitation to buy or sell any currency, investment fund or other product, service or information to anyone in any jurisdiction in
which an offer or solicitation is not authorized or cannot legally be made or to any person to whom it is unlawful to make an offer or solicitation. For
information specific to any jurisdiction outside Canada, please contact your financial advisor.
The terms and conditions applicable to any product, service or information will be those determined at the time of provision of the product, service or
information. Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in these pages. If you
choose to access the Site from outside of Canada, you do so on your own initiative and are responsible for compliance with applicable local, national or
international laws. You may not use or export or re-export the Information or any copy or adaptation in violation of any applicable laws or regulations,
including export laws and regulations of Canada in force from time to time.
No Warranties
Royal Bank of Canada and its affiliates, subsidiaries, officers, directors, employees or agents (the "Bank") provide the Site and the Information on an "as
is, where is" basis and do not make any express or implied warranties, representations, endorsements or conditions with respect to the Site or the
Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, currentness,
reliability and fitness for a particular purpose. Further, the Bank does not represent or warrant that the Site will be available and meet your requirements,
that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other
contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for
adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other
destructive properties.
Trademarks And Copyrights
Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of the Site are trade names or trademarks owned
by Royal Bank of Canada or its subsidiaries, or trade names or trademarks licensed to them except for the travel supplier's trademarks, which are used
by permission of the travel supplier. The trademarks are distinguished from one another and accompanied, at first-time use, with the appropriate
trademark symbol: ®/TM/*. These symbols are keyed to their respective legend which describes the owner or licensee of the trademark: ® Registered
trademark of Royal Bank of Canada./
TM
Trademark of Royal Bank of Canada./ * Royal Bank of Canada, licensee of trademark. The display of
trademarks and trade names on pages at the Site does not imply that a license of any kind has been granted to anyone else. Any unauthorized
downloading, re-transmission, or other copying or modification of trademarks and/or the contents of the Site may be a violation of any federal or other
law that may apply to trademarks and/or copyrights and could subject the copier to legal action. The Information is protected under the copyright laws of
Canada and other countries. Unless otherwise specified, no one has permission to copy, redistribute, reproduce, republish, store in any medium, re-
transmit, modify or make public or commercial use of, in any form, the Information.
Internet E-Mail
Any unprotected E-Mail communication over the Internet is, as with communication via any other medium (e.g. cellular phones, post office mail), not
confidential, subject to possible interception or loss, and is also subject to possible alteration. The Bank is not responsible for and will not be liable to you
or any one else for any damages in connection with an E-Mail sent by you to the Bank or an E-Mail sent by the Bank to you at your request.
RBC Life Insurance Company
July 2006
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