Home | Contact Us | Site Map | Prospectus

Terms & Conditions

Effective July 27, 2007

Introduction. The following terms and conditions govern your use of this Web site (www.prudentialannuities.com). Your use of this Web site 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 Web site and content.

This Web site presents information and content that is owned or licensed by Prudential Financial, Inc. and its subsidiaries and affiliates (collectively, “Prudential Financial”). When used in these terms and conditions, "we" and "our" mean Prudential Financial and “you” and “your” refers to any individual, company, or legal entity that accesses or otherwise uses this Web site.

Additional Terms. Prudential Financial offers products and services available through portions of this Web site and other Prudential Financial Web sites. These terms and conditions apply only to your use of this Web site and content, and they do not apply to your use of any products or services offered by Prudential Financial. 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 public authorities. You agree to review all applicable terms and conditions relating to Prudential Financial products and services. In the event of any conflict between the terms and conditions on this Web site and such additional terms and conditions, the additional terms and conditions shall govern and control. Further, if you have a policy or account with Prudential Financial, 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 Web site and such policy or account agreements, your policy and account agreements shall govern and control.

Do Not Rely on This Web site for Your Financial Decisions. The content on this Web site is for convenience and information purposes only. You should consult your financial and legal advisors, and independently verify all content provided through this Web site before you make decisions. Nothing on this Web site constitutes an offer to sell or buy any product. Account information available on this Web site is not the official record of your account. Nothing on this Web site should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus or any other information on this Web site 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 Web site, 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 Prudential Financial. 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. Prudential Financial reserves the right to terminate at any time your right to make personal copies of content. You must obtain Prudential Financial's prior written consent (if we agree) before you use the content on any other Web site or in a networked computer environment for any purpose, or before you republish or redistribute the content, or otherwise use the content for any purpose other than your personal, non-commercial use. You may not frame the content within another Web site. Except for the limited use rights expressly provided in this paragraph, all rights in content are reserved.

Prudential, PRU, PruTrade, the Rock Logo, Prudential Financial, the Prudential Rock Financial logo, Growing and Protecting Your Wealth, Rock Solid, Rock Solid Retirement, The Rock, and The Retirement Red Zone are service marks of The Prudential Insurance Company of America. Other proprietary Prudential Financial marks may be designated as such from time to time on this Web site through use of the SM or ® symbols. Except when included in any authorized printouts of the content, you are not authorized to make any other use of Prudential Financial 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 Prudential Financial.

Links. We do not endorse any third party Web sites not under the control or operation of Prudential Financial. We have not reviewed any or all such sites that may be linked to this Web site and we are not responsible for any such Web sites linked to this Web site. Your linking to any Web sites from this Web site is at your own risk. By linking to a Web site or permitting a link to this Web site, Prudential Financial does not endorse the Web site operator or the content of the linked Web site. Subject to the terms of applicable service or other agreements, we will remove any link from this Web site upon request from the owner of the linked Web site. Please call our operations department at 1-800-752-6342 to submit such a request.

Availability. Not all of the products or services described on this Web site are available in all areas of the United States and/or you may not be eligible for them. We reserve the right to determine eligibility.

NO WARRANTY. Your use of this Web site and content is at your own risk. We strive to provide accurate and up-to-date material on this Web site. However, we make no warranties or representations as to the accuracy or timeliness of the content. Content may become inaccurate as a result of developments after its publication on this Web site. Prudential Financial assumes no responsibility to keep content current or to correct inaccuracies or errors in content. The content on this Web site and the operation of it are provided “as is” and Prudential Financial 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. Prudential Financial 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 Web site, you are responsible for taking all reasonable precautions necessary to ensure the security and integrity of your computer and systems, including employing virus protection software.

NO LIABILITY. Neither Prudential Financial, any of its agents, nor any other party involved in creating, producing, or delivering this Web site or content is liable for any direct, incidental, consequential, indirect, lost profits, loss of business or data, or punitive damages arising out of your access to, or use of, this Web site or any content

Additional Information. All information, other than personal information subject to Prudential Financial's Internet Privacy Policy, submitted to Prudential Financial through this Web site or any related Prudential Financial Web site is the property of Prudential Financial. Prudential Financial is free to use any ideas, concepts, know-how or techniques that you may submit to Prudential Financial through this Web site 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 Prudential Financial'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. Prudential Financial reserves the right to change the content on this Web site 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 Web site constitutes your acceptance of any change or update, all of which shall become controlling when posted.

Privacy. Please click here for Prudential Financial’s Internet Privacy Policy.

Children. This Web site does not intend to market any Prudential Financial products or services to children under thirteen (13) years of age. Prudential Financial does not knowingly gather or solicit data from children under thirteen (13) years of age through this Web site for marketing purposes. By using this Web site 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 Prudential Financial executives that relates to Prudential Financial'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 Connecticut, without giving effect to conflict of law principles thereof.

United States Only. The services and products described and information provided through this Web site 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 Prudential Financial to any registration requirement within such jurisdiction or country. Persons outside the United States can gain access to our international Web sites at http://www.prudential.com/globalpresence. Persons who access this Web site do so on their own initiative, and are responsible for compliance with applicable local laws and regulations. Software and other materials from this Web site 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. Prudential Financial prohibits your downloading or exporting of software or other material from this Web site in violation of U.S. Export Laws and the laws of your resident country. By downloading software or other material from this Web site, 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.

Investors should consider the contract and the underlying portfolios’ investment objectives, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectuses, which can be obtained on the prospectus page or from your financial professional. You should read the prospectuses carefully before investing.

Annuities are issued by Prudential Annuities Life Assurance Corporation. Securities products are distributed by Prudential Annuities Distributors, Inc. Both Prudential Financial companies are located in Shelton, CT. Each is solely responsible for its financial condition and contractual obligations.

Prudential Annuities is a business unit of Prudential Financial.

Wachovia Corporation is the majority owner and Prudential Financial, indirectly through subsidiaries, is a minority owner of Wachovia Securities, LLC.

Prudential, Prudential Financial, the Rock logo, and the Rock Prudential logo are registered service marks of The Prudential Insurance Company of America and its affiliates.

IFS-A135238 Ed. 08/2008