Learning Centre

 
Principal Retirement Advisors (PRA)

The Principal® Difference: Global Leaders in Retirement

  • Retirement is our core competency, representing over 90% of total assets under management globally.
  • More than 65 years of experience in retirement planning.
 

Terms of Use

I. Introduction

These Terms of Use govern your access and use of the websites, including wireless services or systems ("websites") of the Principal Retirement Advisors Pvt. Ltd. (as used here "The Principal®" refers to the Principal Financial Group, its affiliates and subsidiaries, jointly and severally). All information accessed or viewed is considered confidential and is for only authorized personal or business purposes.

II. Acceptance of Terms

These websites are the property of one or more of the member companies and/or affiliates of the Principal Financial Group, Inc. By linking, referencing, using or accessing websites of The Principal, you agree to these Terms and Conditions, including agreeing to indemnify and hold harmless The Principal from all claims of any nature arising from your access and use of these websites. These Terms and Conditions may be changed at any time at the sole discretion of The Principal. These Terms and Conditions pertain to all websites of The Principal, including websites owned, operated or sponsored by any of the subsidiaries or affiliates of The Principal.

III. Hardware, Software, & Browser Information.

For the best possible experience using websites of the Principal Retirement Advisors Pvt. Ltd., we recommend you:

  • Use Internet Explorer 7 + or  Firefox 3.5 +
  • Use Adobe Acrobat 7.0 and above.
  • Be able to receive email.
  • Have access to a computer and operating system that can support these functions and software, and that permits you to either save files on a storage device for later reference or is connected to a printer that will print out information displayed on your Internet browser.
  • Additional hardware and software recommendations are available in section XV of these Disclosures and Terms of Use.

IV. Secure Websites

By using, accessing or attempting to access websites of Principal Retirement Advisors Pvt. Ltd. that require the use of username, passwords, login image and phrase or any other method of authentication or any combination of authentication methods (these are defined as "secure websites"), you are certifying you are the person legally associated with the username, password, login image and phrase or additional method(s) of authentication being used. Unauthorized access or use or attempts to access or use secure websites of Principal Retirement Advisors Pvt. Ltd.  is prohibited and may violate state law. Principal Retirement Advisors Pvt. Ltd. may report unauthorized access, use or attempts to access or use to law enforcement.

V. Products and Services

Information provided on the websites regarding our products and services is not intended to take the place of our agreements governing our products and services, or our disclosures made in accordance with l and state law. Additionally, this agreement does not take the place of any legally required disclosures for any products or services offered by any of the member companies of The Principal.

VII. Copyright, Trademark and other Intellectual Property Rights

You acknowledge that this Site is protected by applicable copyrights, trademarks, trade secrets, patents, proprietary rights and other intellectual property laws, and that these worldwide rights are valid and protected in all forms, media, and technologies existing now or developed in the future. Accordingly, you may not copy, distribute, modify, post or frame-in the Site, including any text, graphics, video, audio, software code, user interface design or logos, except as explicitly authorized below or by us in writing.

Permitted uses. Principal grants you a non-exclusive, personal, non-transferable, non-sublicensable, limited and revocable right to access, use and display this Site on any computers or other electronic display device of which you are a user, for your personal and non-commercial use only (the "Permitted Uses"). You agree to use the Site only for lawful purposes, for the Permitted Uses, and not for the Prohibited Uses. No other use of the Site is authorised unless you and we have agreed otherwise in writing.

You may print copies of the Site's Content, provided that these copies are made only for the Permitted Uses and that you include any notices and any legal information contained in the Site Content, such as all copyright notices, trademark legends, or other proprietary rights notices as well as all legal caveats furnished in the footnotes or under "Disclaimers or Usage" as shown on the screen or through a link. Limited linking to the Site is permitted if done in full compliance with all applicable laws, these Terms of Use, our Linking Policy.

Prohibited uses. You are prohibited from any use of the Site that would give rise to liability or otherwise violate any applicable laws or regulations or the Terms of Use. You may not publicly perform, publicly display, transmit, publish, participate in the sale or transfer of, modify, or create derivative works based on anything available through the Site, in whole or in part. You shall not store electronically any significant portion of any part of the Site. No reverse engineering, linking, framing, or modification of any part of this Site is allowed without our written approval. Any modification or unauthorized use is a violation of Principal's copyrights and other proprietary rights.

You agree that when using one, you will not:

  • Upload files that contain software or other material protected by intellectual property laws or by rights of privacy of publicity unless you own or control such rights or have received all necessary consents.
  • Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
  • Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.

Principal / Principal Retirement Advisors Pvt. Ltdhas no obligation to monitor the bulletin board services, chat areas, news groups, forums, and/or other message or communication facilities. However, Principal / Principal Retirement Advisors Pvt. Ltdreserves the right at all times to disclose any information deemed necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part.

Trademarks and copyrights.All trademarks, services marks, trade names, logos, and icons are proprietary to Principal Parties. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of Principal / Principal Retirement Advisors Pvt. LtdParties. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.

The Site also contains text, software, graphics, images, and other material protected by copyrights or other proprietary rights and laws (collectively, the "Proprietary Material"), owned by Principal / Principal Retirement Advisors Pvt. Ltdor their licensors. Any use of such Proprietary Material other than as permitted herein is expressly prohibited without the prior permission of Principal / Principal Retirement Advisors Pvt. Ltdand/or the relevant rights holder in writing.

Copyright Policy. We reserve the right to remove from our Site, any content that is alleged to infringe someone's copyright.

Principal Linking and Logo Use Policies. Use of Principal / Principal Retirement Advisors Pvt. Ltdlogos or creating hyperlinks to our website is prohibited unless authorized by us in writing. Please read our Linking Policy below for further details. You may, however, create a link to our website that includes our logo as long as you accept and follow our Linking Policy and such link, including logo, is for your personal and non-commercial use (unless we have agreed to other terms in writing).

We are granting a limited, revocable, nonexclusive and nonexclusive right to create a hyperlink to this Site under these policies, and we may revise the Linking or the Logo Use Policies, or withdraw these permissions or your permission at any time, without prior notice.

VII. Privacy

All personal information is subject to the Privacy Policy of Principal Retirement Advisors Pvt. Ltd., which may be accessed by clicking on Privacy & Security link at the bottom of any page. The information for the accounts you have with Principal Retirement Advisors Pvt. Ltd. is kept secure and confidential through multiple security features and procedures. See our online privacy and security policies for further information:


VIII. No Legal or Investment Advice; Calculators/Calculations

While this communication may be used to promote or market a transaction or an idea that is discussed in the website of Principal Retirement Advisors Pvt. Ltd., it is intended to provide general information about the subject matter covered and is provided with the understanding that Principal Retirement Advisors Pvt. Ltd.  is not rendering legal, accounting, or tax adviceYou should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements.

Retirement and/or financial calculators/calculations which may be provided within these websites are provided solely for you to estimate hypothetical future financial or retirement status. You are responsible for the accuracy of any estimates and should not rely solely on these calculators. Seek advice from qualified providers before you make any investment or retirement decisions.

IX. Links to Other Sites - Limitation of Liability

Principal Retirement Advisors Pvt. Ltd. may provide, or third parties may provide, for your convenience and information only, links to other World Wide websites. Because Principal Retirement Advisors Pvt. Ltd. does not have control over these sites, you agree that The Principal is not responsible for any liability resulting from the access or use of sites not owned by Principal Retirement Advisors Pvt. Ltd. and that Principal Retirement Advisors Pvt. Ltd.  is not responsible for any content, advertising, product, or any other matter or issue, available through the World Wide Web, whether linked to, or from, websites of Principal Retirement Advisors Pvt. Ltd.. Further, you agree that Principal Retirement Advisors Pvt. Ltd. shall not be responsible or liable, directly or indirectly, for any damage or loss caused, or alleged to be caused by or in connection with the use of websites Principal Retirement Advisors Pvt. Ltd. does not own.

X. Third Party Applications - Modification Prohibited

Principal Retirement Advisors Pvt. Ltd. may provide you with access to third-party applications and services through its websites. You agree not to modify, decompile or reverse engineer any such third party applications, or any code related to such third party applications.

XI. Termination and Blocking

You agree that Principal Retirement Advisors Pvt. Ltd. reserves the right to terminate and/or block your use or access of its websites for any reason without prior notice to you.

XII. Monitoring

Principal Retirement Advisors Pvt. Ltd. reserves the right to monitor your access and use of its websites without notification to you.

XIII. Hardware and Software Recommendations

We recommend using a computer with a Pentium 4+, 1.8+ GHz processor, minimum 256+ MB (megabytes) of RAM (Random Access Memory), at least a 56K Internet connection speed and 40 GB hard disk storage, CD-ROM - 48X, Windows 2000 or XP Operating System, Microsoft Office 2000 (or higher).

XIV. Limitation of Liability

YOU AGREE THAT YOUR ACCESS TO, AND USE OF, THE WEBSITE OF PRINCIPAL RETIREMENT ADVISORS PVT. LTD. AND THE CONTENT THEREOF IS AT YOUR RISK. YOU AGREE, THAT UNDER NO CIRCUMSTANCES SHALL RETIREMENT ADVISORS PVT. LTD. BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING FROM VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES OR YOUR REFERENCING, USING, ACCESSING, INABILITY TO USE OR ACCESS OR LINKING TO OR FROM THE WEBSITES OF RETIREMENT ADVISORS PVT. LTD. OR ANY ERRORS OR OMISSIONS IN THE CONTENT THEREOF. There are some jurisdictions that do not allow for the exclusion of certain warranties or the limitation or exclusion of liability for consequential or incidental damages. Based on this conclusion, the liability of RETIREMENT ADVISORS PVT. LTD. is limited to the greatest extent permitted by law.



Have a question? Write to us at inquiry@principalindia.com.

About

Retirement Planning

Advisory Services

Tools & Calculator

Learning Centre

Copyright © Principal Retirement Advisors Pvt. Ltd.

Home | Sitemap | Contact Us | Disclosures

Disclaimer | Terms of Use | Privacy & Security