All Users of this Web site must abide by the following basic rules. If you do not wish to comply, you must not use this site.

LEGAL NOTICES
Copyright/Use
Product and Services Information
Links to Other Sites

PRIVACY POLICY
Commitment to Protecting Your Privacy
E-mail Policy
Site Usage Tracking

CUSTOMER PRIVACY POLICY   [HTML]
Our Customer Privacy Policy describes our privacy commitment with respect to information we collect and disclose as a part of the customer relationship.

Legal Notices:

Copyright/Use
The entire content of this Web site, including, without limitation, copyrighted material, trademarks, text, graphics, images, video, photos, music and sound, software ("Content") and the arrangement of the said Content is owned by Guardian and its subsidiary, Park Avenue Securities LLC (PAS), and is protected by copyright under both United States and foreign laws, unless otherwise indicated. "Guardian^®" is a service mark of The Guardian Life Insurance Company of America. You may use the Content for your personal, non-commercial home use only, provided that all copyright, trademark and proprietary notices remain intact. The Content on this Web site is not intended for distribution to any person or entity that would subject Guardian, any of its affiliates or its Financial' Representatives to any federal, state or regulatory licensing requirement. The use of the Content on any other web site or in a networked computer environment for any purpose, or any other republication or redistribution of the Content, including, without limitation, caching, unauthorized hypertext links or framing is expressly prohibited without the prior written permission of Guardian.

The information on this Web site has been obtained from sources that Guardian believes are reliable. Guardian makes no representations about the accuracy, completeness or timeliness of the information obtained by using this Web site or the Content. The Web site and the Content are provided on an "AS IS" basis without any representations or warranties of any kind.

Product and Service Information
Guardian does not sell or solicit applications for insurance through this Web site. The descriptions of the various products and services offered by Guardian and its affiliates contained in this Web site are provided solely for general informational purposes. The information and descriptions contained herein are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the products and services. The precise coverage afforded by Guardian is subject to the terms, conditions and exclusions of the policies issued. Products and services described herein may vary from state to state and may not be available in all states. Check with Guardian for further information. For tax, accounting and legal issues, you should consult your own professional (lawyer, tax advisor or accountant) before you take any action in reliance upon such advice.

This Web site and the information and opinions presented do not constitute an offer or a solicitation of an offer for the purchase or sale of any securities or other financial products that may be referenced on the site. An offer for variable products can be made by prospectus only. For prospectuses containing more complete information regarding Guardian products, including charges and expenses, call your Financial Representative or Park Avenue Securities LLC (PAS) at 1-800-221-3253. Read them carefully before you invest or send money.

Guardian will not be responsible for any loss or damage that could result from interception by third parties of any information provided on this Web site. Guardian, its affiliates, directors, officers or employees, and any third party vendor will not be liable or will not have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this site, or resulting from the act or omission of any other party involved in making this site or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the site or these materials, whether or not the circumstances giving rise to such cause may have been within the control of Guardian or of any vendor providing software or services support. In no event will Guardian, its affiliates or any such parties be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind even if Guardian or any other party have been advised of the possibility thereof.

Links to Other Sites
For your convenience, this Web site provides links to and permits links from other web sites. If you access another web site via a link contained in this Web site, you do so at your risk. Guardian does not control, is not responsible for and makes no representations regarding accuracy or completeness of the content or the presentation of any linked web site. The inclusion of any link does not imply endorsement by Guardian of that web site. Guardian is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such site. Charges may apply to some of these sites.

Privacy Policy:
Commitment to Protecting Your Privacy
Guardian will not collect or use any information you provide on this website for any purpose. This website contains a financial calculator. It can help you determine how you may benefit from Guardian products or services. Information you submit to the calculator is for your personal use and cannot be accessed or retained by Guardian.

Federal and state laws and regulations govern the confidentiality of customer information. Guardian's privacy policy conforms to those standards. If you would like more details regarding Guardian's Description of Information Practices, please write to the Corporate Secretary, The Guardian Life Insurance Company of America, 7 Hanover Square, Mail Station 27 A, New York, NY 10004.

E-mail Policy
Guardian takes seriously the commitment to keep your nonpublic personal information confidential and private. The Guardian Investor site collects your name and e-mail address from your e-mail inquiries or comments. Guardian will use your nonpublic personal information only to reply by e-mail to your e-mailed questions. Guardian restricts access to your nonpublic personal information to our employees who need to know that information to reply to your e-mails effectively. It is important to Guardian to maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information. Guardian will not sell or disclose your e-mail addresses to third parties. To ensure your security and client confidentiality, our e-mail responses will not include any personal account information such as SSN or account number. Furthermore, financial transactions and account inquiries cannot be handled by e-mail. Guardian discourages you from using the site's e-mail form for sending confidential information. If you send confidential information by using our e-mail form, you are accepting the associated risks of lack of confidentiality.

Site Usage Tracking
It is vitally important to Guardian to deliver superior service to you. In order to continually improve and manage this Web site we track general site information about the number of users to the Web site and the areas within the Web site they visit.