Terms of Service

Axcelus Terms of Service

Please read these terms of service (“Terms”) carefully before using the www.axcelus.com website (the “Service” or “Website”) operated by Axcelus Financial Life Insurance Company and its affiliates (“Axcelus,” “us,” or “our”). Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. By accessing or using the Service, you agree to be bound by these Terms and by our Privacy Policy and represent that you are not under thirteen (13) years of age. If you do not agree with these Terms, you should immediately cease use of the Service and Content (defined below).

If you access our Website on behalf of a company, organization, or other entity, then (a) the term “you” used herein shall include both you personally and that entity, and (b) you represent and warrant that you are authorized to bind the entity to these Terms.

Subscribing to Email Communications

By subscribing to receive email communications on our Service, you agree to receive newsletters, marketing or promotional materials, and other information that we may send to the email address you provide. You may opt out of receiving any or all of these communications by following the unsubscribe link or similar instructions provided in any email we send. Please be aware that subscribing to receive email communications constitutes a request (and not a right) to receive email communications from us. All such requests will remain subject to any applicable subscriber qualification requirements imposed by Axcelus, which will be determined and applied by Axcelus in its sole discretion.

Ownership and Content

All of the information and content, including, but not limited to, any written text, reports, articles, drawings, photographs, video and audio files, graphics or other visual images, trademarks, service marks, and trade dress present within the Website (collectively, “Content”) is owned or licensed by Axcelus. The Content is protected by intellectual property laws or other applicable laws or regulations. You may not use this Website or its Content for any purpose other than the purposes permitted herein or with the prior written consent of Axcelus. Except as explicitly provided herein, you may not copy, modify, display, or distribute any of the Content (either in its entirety or in part), or create any derivative works based on the Content, unless you have been specifically permitted to do so by the owner(s) of that Content in a separate written agreement or unless you or your organization are the owner of the pertinent Content.

Content and Copyright

Axcelus respects the intellectual property rights of others and prohibits copyright infringing activities on this Website. Notices regarding any alleged copyright infringement on this Website in accordance with the Digital Millennium Copyright Act (DMCA) or other applicable law should be sent to [company email address].

Content is for Informational Purposes Only

The Content on this Website is for informational purposes only. You should not rely on this Website in making any financial decisions. You should instead consult your financial and legal advisors and independently verify all Content prior to making any decisions. Nothing on this Website constitutes an offer to sell any product. Nothing on this Website should be construed as rendering tax, legal, investment, or accounting advice. None of the information included on this Website should be considered a recommendation to buy any product or to participate in any transaction.

Warranty Disclaimer

Axcelus endeavors 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. Use of this Website and Content is at your own risk. Axcelus 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” for informational purposes only, and Axcelus 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, in each case to the fullest extent permitted by applicable law.


Axcelus does not warrant that the Website will operate error free or is free from viruses, worms, Trojan horses, or other destructive or harmful code. Axcelus assumes no liability or responsibility for any damages to you, your computer, or other property due to your access to or use of the Website or Content, including the downloading of any Content. In each such case, 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.

Contacting Us or Submitting Feedback

Contacting us or submitting feedback through the Website is within your sole discretion and at your own risk. Your submission does not create any contract, whether implied or express, between you and Axcelus. You understand and agree that Axcelus may make use of your submission without any attribution or compensation to you and that any information you provide will be considered non-confidential, unless the information is expressly marked confidential or otherwise determined by Axcelus, in its sole reasonable discretion, to be confidential information.

Third-Party Links

Our Website may contain links to third-party websites that are not owned or controlled by us. We do not endorse or assume any responsibility for any such third-party sites, information, materials, products, or services. If you access any third-party web site, service, or content through our Service, you do so at your own risk and you agree that we will have no liability arising from your use of or access to such items.

Limitation of Liability

In no event shall Axcelus or any other party involved in creating, producing, or delivering this Website or Content on Axcelus’ 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.


Axcelus reserves the right to change the Content on this Website and these Terms from time to time, at any time, without prior notice. These changes may include superseding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS 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.

Governing Law

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


Axcelus 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 relating to Ownership and Content, Warranty Disclaimer, Limitation of Liability, and Governing Law shall survive any termination.

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