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.
THESE TERMS AND CONDITIONS OF USE GOVERN YOUR USE OF TRANSAMERICA.COM (THIS "SITE"). BY ACCESSING THIS SITE, YOU ARE INDICATING YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THESE TERMS AND CONDITIONS OF USE. THESE TERMS AND CONDITIONS OF USE ARE SUBJECT TO CHANGE, UPDATE AND/OR REVISION (COLLECTIVELY "CHANGE") BY THE COMPANY IN ITS SOLE DISCRETION AT ANY TIME, WITHOUT NOTICE. YOUR USE OF THIS SITE AFTER ANY SUCH CHANGE CONSTITUTES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF SUCH CHANGE. YOU SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE MOST CURRENT TERMS AND CONDITIONS OF USE REGULARLY.
For purposes of these Terms and Conditions of Use, the terms "the Company," “we,” “us,” or “our” means Transamerica Corporation and all of its parents, subsidiaries and affiliates, including without limitation, Transamerica Life Insurance Company, Transamerica Financial Life Insurance Company, Transamerica Advisors Life Insurance Company, Transamerica Premier Life Insurance Company, Transamerica Casualty Insurance Company and Stonebridge Life Insurance Company, including any separate accounts established for the products they may offer, Transamerica Investors Securities Corporation, Transamerica Retirement Solutions Corporation, and Transamerica Series Trust, Transamerica Capital, Inc., and Transamerica Asset Management, Inc., including the funds for which it serves as Investment Advisor.
Access to This Site
To access this Site or any of the resources it has to offer, you may be asked to provide certain registration details or other information. It is a condition of your use of this Site that all the information you provide on this Site will be correct, current, and complete. If we believe the information you provide is not correct, current, or complete, we retain the right to deny you access to this Site or any of its resources, and to terminate or suspend your access at any time.
Restrictions on Use
You may use this Site only for purposes expressly permitted by this Site. You may not use this Site for any other purpose, including any commercial purpose, without our prior written consent. For example, you may not (and may not authorize any other party to) (i) co-brand this Site, (ii) frame this Site, or (iii) hyperlink or deep-link to this Site without the express prior written consent of an authorized representative of the Company. For purposes of these Terms and Conditions of Use, "co-branding" means to display a name, logo, trademark, or other means of attribution or identification of any party, in a manner that is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this Site or Content (as defined below) accessible within this Site. You agree to cooperate with us in causing any unauthorized co-branding, framing, or linking to immediately cease.
The material and content accessible on or generated by this Site, and any other site that we own, operate, license, or control (the "Content") is proprietary information of the Company or our licensor and we or our licensor retain all right, title, and interest in and to the Content. Content may not be copied, reproduced, performed, displayed, distributed, republished, uploaded, posted, or transmitted in any way without our prior written consent, which may be withheld in our sole discretion, except that you may print out a copy of the Content solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, service mark, or any other proprietary notice or legend or regulatory disclosure appearing on any of the Content. Modification or use of the Content except as expressly provided in these Terms and Conditions of Use violates our or our licensor's intellectual property rights. Neither title nor intellectual property rights are transferred to you by your use of or access to this Site.
We may provide hyperlinks to other sites ("Third Party Sites"). Third Party Sites are not maintained by, related to, sponsored by or affiliated with us and are provided as a service and convenience to you. We have not reviewed Third party Sites and are not responsible for their content. Third Party Sites are to be accessed at your own risk, and we make no representations or warranties about the content, completeness, accuracy or security of Third Party Sites. A hyperlink to a service or site is not an endorsement of the service or site, its content, or its sponsoring organization. Furthermore, we are not liable for any direct or indirect computer system damage or other problems you may incur as a result of clicking on a link to any Third party Site.
What Information is Collected by the Site
In general, you can visit this Site while remaining anonymous by not providing any Personal Information (as defined by applicable law). In some cases, non-personal information may be automatically collected, such as your Internet browser, computer operating system, domain name of your Internet service provider, and/or the website from which you linked to this Site. Personal Information about you (e.g., your name, address, telephone number, Social Security number, and/or e-mail address) will not be collected unless you provide it to us voluntarily. For example, we retain e-mail addresses of visitors who respond to this Site's e-mail forms, online forms, registration forms, and surveys and contest entries. We or a service provider on our behalf may also retain information about the frequency of Site visits, duration of each visit, and aggregate information on which Site pages you access. If you choose not to provide Personal Information, we may not be able to respond to a request, or an error message may be displayed on your browser. For more information please access our website Privacy Statement.
We or a service provider on our behalf send Site visitors cookies, web bugs or pixel tags (collectively, "Cookie"), each of which is a small data file sent by this Site to your browser and which may be stored on your hard drive. Our Cookie enables this Site to recognize you if you have a Company policy or contract, or have previously utilized certain Site features. In addition, the Cookie may recall information so that you do not have to resubmit it, and also automatically updates Site information. If the feature is available, you may program your browser software to notify you of attempts to send cookies and you may decline to accept them or you may delete them. Your declination of any Site Cookie may impair your ability to access or use certain functionality of this Site or require you to enter and re-enter information each time you visit this Site.
You hereby grant us the royalty-free, perpetual, irrevocable, worldwide, nonexclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all content, remarks, suggestions, ideas, graphics, or other information communicated to us through this Site (collectively, the "Submission"), and to incorporate any Submission in other works in any form, media, or technology now known or later developed. We will not be required to treat any Submission as confidential, and may use any Submission in our businesses (including without limitation, for products or advertising) without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future operations. We will treat any Personal Information that you submit through this Site in accordance with our website Privacy Statement.
You understand that we cannot and do not guarantee or warrant that Content available for downloading from this Site or the Internet will be free of viruses, worms, Trojan Horses, or other malicious code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this Site for the reconstruction of any lost data. We do not assume any responsibility or risk for your use of the Internet or this Site, nor do we assume any responsibility for any products or services or hypertext links to third parties or for any breach of security associated with your use of this Site or your transmission of sensitive information through this Site or any hyperlinked sites.
If you have agreed to the electronic delivery of documents or conduct business electronically with us, we may, at our discretion, make certain documents required by regulatory authorities, including but not limited to, the Securities and Exchange Commission (the SEC), Financial Industry Regulatory Authority (FINRA) or state departments of insurance, available for download or access electronically or via e-mail (such documents may include quarterly or annual statements, prospectuses and confirmations) (collectively, the “Required Documents”).
The Content, excluding the Required Documents, is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices we provide. Account information, other than the Required Documents, available on this Site is not the official record of your account. Investors, borrowers, and other persons should use the Content in the same manner as any other informational medium and should not rely on the Content, excluding the Required Documents, to the exclusion of their own professional judgment. Information obtained by using this Site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals and objectives. Nothing on this Site should be construed as rendering tax, legal, investment, or accounting advice.
YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY OR NONINFRINGEMENT. WE DO NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES, DISABLING DEVICES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING THE USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT THE COMPANY, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. WE ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.
All of the information on this Site, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this Site, and we do not undertake any obligation to update such information after it is posted or to remove such information from this Site if it is not, or is no longer, accurate or complete. All Content, together with information filed and furnished with the Securities and Exchange Commission and any oral information provided by our executives that relates to our 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 users 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 any annual report.
Limitation of Liability
THE COMPANY, ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS WILL NOT BE LIABLE FOR ANY ACTUAL, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, LOSS OF PRINCIPAL, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE CONTENT ON THIS SITE, EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF THE COMPANY AND ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE LESSER OF $100 OR THE AMOUNT YOU HAVE PAID FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE.
You will indemnify and hold the Company, its parents, subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (the "Indemnified Parties") harmless from any breach of these Terms and Conditions of Use by you, including any use of Content other than as expressly authorized in these Terms and Conditions of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify the Indemnified Parties against any and all resulting losses, damages, judgments, awards, costs, expenses, and attorneys’ fees in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of or related to your use of the Content accessed from this Site.
Trademarks, Service Marks and Copyrights
The stylized AEGON logo is a federally registered trademark of AEGON NV, and TRANSAMERICA, the Transamerica Pyramid building, and Transamerica Pyramid logo are federally registered trademarks of the Transamerica Corporation. Unless otherwise specifically noted, images, trademarks, service marks, logos, and icons displayed on this Site are the property of the Company or its licensors and may not be used without our prior written consent. We and our licensors retain all rights with respect to any of our respective trademarks, service marks, and logos appearing on this Site. Any unauthorized use of the images may violate copyright, trademark, privacy and publicity laws and regulations.
Information You Provide
You may not post, send, submit, publish, or transmit in connection with this Site any material that:
We reserve the right to monitor the use of this
Site to determine compliance with these Terms and Conditions of Use, as well as the right to remove or refuse any information or Submission for any reason.
Notwithstanding these rights, you remain solely responsible for the content of your Submissions and actions. You acknowledge and agree: we or any third party that provides
Content to us shall not assume or have any liability for any action or inaction by us or such third party with respect to any Submission.
Product fees and other charges are being provided for general information purposes only and are subject to change. To obtain a more detailed and accurate strategy for your personal situation, we recommend you consult your prospectus or consult with a qualified financial professional.
If this Site contains an online calculator, the online calculator may contain data regarding retirement investing. Such information is provided for educational purposes only and does not constitute an endorsement or recommendation of any security or investment program or service or the suitability of it for you. We do not offer legal or tax advice, and the information provided in the online calculators should not be used in lieu thereof. Please consult your tax or financial advisor for guidance regarding your particular situation.
We Are Not Providing Investment Advice, Soliciting Offers or Selling
The information contained on this Site does not constitute investment advice, and is not an offer to sell or a solicitation to buy any security or any insurance product. All insurance and/or securities transactions require signed agreements between us and our customers, and the terms of those agreements are binding on the parties. No other representation, whether made in person, online, electronically, in written, graphical, or verbal communication, may alter the terms of those agreements except that your use of this Site constitutes your agreement to the additional Terms and Conditions of Use applicable to such use. By using this Site, you accept at your own risk that the Internet and online communications medium may not perform as intended. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, insurance, or other laws of such jurisdiction. Some products may not be available in all jurisdictions. In addition, any prospectus information available on this Site is posted for informational purposes only and is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.
This Site is controlled by us from our offices within the United States. Except as specifically stated, we make no representation that Content in this Site is appropriate or available for use in other jurisdictions. Access to this Site's Content from jurisdictions where such access is illegal is prohibited. If you choose to access this Site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. You may not use or export the materials in this Site in violation of U.S. export laws and regulations. The Company and its parents, affiliates and subsidiaries are not authorized to do business in every jurisdiction. By downloading any Content, you are agreeing that you are not in a country where such export is prohibited and that you are not a person or entity to which such export is prohibited. You are responsible for compliance with the laws of your local jurisdiction regarding the import, export, or re-export of any Content. Information published on this Site may contain references or cross-references to products, programs or services that are not available in your state or country. The products referred to on this Site may be offered and sold only to persons in the United States and its territories. Consult your qualified financial professional for information regarding the products, programs and services which may be available to you.
You Should Not Rely on the Stock Price Information on This Web Site
We do not generate the information regarding stock prices for this Site. We believe that the information on this Site is accurate, but we cannot guarantee or warrant the accuracy, completeness, or timeliness of the information. You should not rely on the stock price information for investment purposes. We are not liable for any loss or damages, whether direct, indirect, incidental, special, consequential, or exemplary, that may arise from reliance on the stock price information on this Site.
No Representation as to Suitability
We make no representation as to the financial or other suitability of any product described on this Site for any user. In order to evaluate whether a particular product is suitable for your financial needs, you should contact a qualified financial professional. The posting of any prospectus or any other information on this Site should not be interpreted as a recommendation or opinion that you should make any purchase or sale or participate in any transaction.
Violations of Rules and Regulations
We reserve the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions of Use, including the right to block access from a particular Internet address to this Site.
Depending on your level of access to this Site, you may receive or obtain access to Personal Information as defined by applicable law. Your access and use of such information is governed by state and federal law and limited to specific business activities for which you are authorized. Should you access Personal Information intentionally or unintentionally of others for who you are not authorized, you will immediately notify us and you will not copy, download, store or transmit such information to any third party.
Access Codes (User names and passwords) used for this Site are for individual use only. You will be responsible for the security of your Access Codes. We will be entitled to monitor your Access Codes and, at our discretion, require you to change it. If you use Access Codes that we consider insecure, we will be entitled to require the password to be changed and/or terminate your account.
You are prohibited from using any services or facilities provided in connection with this Site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, we reserve the right to release your details to system administrators at other sites in order to assist them in resolving security incidents and to federal or state law enforcement officials. We reserve the right to investigate suspected violations of these Terms and Conditions of Use.
You agree that we are not responsible for damages or losses resulting from any breach of security caused by your failure to maintain the confidentiality of your Access Codes. If you permit access to your Access Codes by third parties, then you agree to defend, indemnify and hold us harmless from and against any liability, losses, damages, or costs and expenses (including attorneys' fees) arising out of, related to or resulting from, such access and related use of this Site. We reserve the right to block access to this Site for any reason. You also agree to immediately notify us if you:
Finally you acknowledge and agree that you will not: (i) collect or store personal data about other users of this Site, or (ii) upload, e-mail, or otherwise transmit
any material that contains viruses or any other computer code, files, or programs that might interrupt, limit, or interfere with the functionality of any computer software,
hardware, database or file, or communications equipment that is owned, leased, or used by us.
For your protection, we may require the use of encryption technologies for certain types of communications conducted through this Site. This Site has adopted industry standard security measures to protect the loss, misuse, and alteration of the information under our control. While we provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we do not guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception, or error. While there is no such thing as "perfect security" on the Internet, we will take reasonable steps to ensure the safety of your personal information. 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. We 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 the Company assume the entire cost of all necessary servicing, repair, or correction related to computer viruses.
We reserve the right to fully cooperate with any law enforcement authorities, regulatory authorities, or court order requesting or directing us to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms and Conditions of Use. BY ACCEPTING THESE TERMS YOU WAIVE AND HOLD HARMLESS THE COMPANY FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY US DURING OR AS A RESULT OF OUR INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER US OR LAW ENFORCEMENT AUTHORITIES.
We recognize that e-mail can be the preferred mode of communication for some of our customers. Either at the time of a policy purchase, during your registration on this Site or your election to participate in electronic document delivery or to transact business electronically with us, you may have provided your e-mail address to us. We may use, and you hereby permit us to use, this e-mail address for the following:
Also, once you have requested information from us via e-mail, we may communicate with you via e-mail regarding your request to provide additional information related to
your initial information request. However, we will never ask you to send personal information such as account or Social Security numbers by non-secure e-mail. We may require
certain e-mail communications to be conducted through secure or encrypted e-mail. If we send you an advertisement via e-mail, it will include instructions on how to opt-out
of receiving such e-mail advertisements in the future. If you elect to opt-out of receiving e-mail advertisements, we will continue to send you non-advertisement e-mails as
stated above. It is your responsibility to maintain accurate records with us and to update your e-mail address if it changes.
Additionally, certain portions of this Site may offer you the ability to e-mail a message to us even if you have not elected to participate in electronic document delivery or to transact business electronically with us. E-mail functionality, if any, is provided to you to facilitate communications between you and us. You agree, however, that you will not use e-mail to request, authorize, or affect the purchase or sale of any securities or other product or service, to change your address or other account information, to change your User Codes, to transmit personal credit information (including credit card numbers), to send fund transfer instructions, or for any other financial transactions that require formal authorization in accordance with applicable law or our policies and procedures. Any such requests, orders, or instructions that you send to us by e-mail will not be accepted or processed by us. We will have no liability for any loss or damage that arises from unaccepted e-mail requests, orders, or instructions. Moreover, we will have no liability for any loss or damage that results from interception and/or unauthorized use by third parties of any information you send by e-mail.
In the event this Site permits you to view, change information and make investment sub-account exchanges on your account and receive other information or services related to a contract or policy issued by us through electronic transmission via a compatible personal computer and a secure web browser, access to such services requires an electronic identification that consists of a user name, password, or other security measures that we may require. By obtaining Access Codes, you agree that the use of this electronic identification is the legal equivalent to your written signed instructions to us and that your identity as an authorized user of our on-line services is determined solely by your Access Codes. You acknowledge that you are responsible for the safekeeping of your Access Codes and we are unable, and under no obligation, to confirm the identity or authority of any user of our on-line services.
This Site does not intend to market any products or services to children under thirteen (13) years of age. We do not knowingly gather or solicit data from children under thirteen (13) years of age through this Site for marketing purposes. By using this Site you represent that you are not under thirteen (13) years of age.
For optimal performance, please use at least Internet Explorer 9 or current version of Firefox, Chrome, or Safari when connecting to this Site.
In accordance with the Digital Millennium Copyright Act ("DMCA"), Pub. L. 105-304, we have designated an agent to receive notification of alleged copyright infringement occurring on the Site, including the Transamerica.com domain.
If you believe that your copyrighted work is being infringed, notify our designated agent specified below.
Attn: Law Department
4333 Edgewood Road NE
Cedar Rapids, IA 52499-0001
The Digital Millennium Copyright Act requires that all infringement claims must be in writing and must include the following information:
Upon receipt of a notice of claimed infringement that satisfies these requirements (or any statement in conformance with 17 U.S.C. Sec. 512(c)(3)) we will act expeditiously to remove or disable access to any content that is claimed to be infringing upon the copyright of any person under the laws of the United States and will terminate the access privileges of those who repeatedly infringe on the copyrights of others. United States law imposes substantial penalties for falsely submitting a notice of copyright infringement.
These Terms and Conditions of Use will be governed and interpreted pursuant to the laws of the state of Iowa, United States of America, notwithstanding any principles of conflicts of law. You specifically consent to personal jurisdiction in Iowa in connection with any dispute between you and us arising out of these Terms and Conditions of Use pertaining to this Site. The parties to these Terms and Conditions of Use each agree that the exclusive venue for any dispute between the parties arising out of these Terms and Conditions of Use or pertaining to the subject matter of these Terms and Conditions of Use will be in the state or federal courts having jurisdiction within Cedar Rapids, Iowa. If any part of these Terms and Conditions of Use is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. These Terms and Conditions of Use constitute the entire agreement among the parties relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this Site will govern the items to which they pertain. We may revise these Terms and Conditions of Use at any time by updating this posting. These Terms and Conditions of Use constitute the entire agreement between us 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.
Last Modified: October 13, 2014