Terms of Use

Agreement to Terms of Use

These Terms and Conditions of Use ("Terms of Use") apply to the Northwestern Mutual client website available on the internet at www.northwesternmutual.com ("Site"). The additional terms and conditions for the Accounts aggregation feature of the Site ("Accounts Service") and the Northwestern Mutual mobile application ("Mobile App") are also set forth below. The Site and Mobile App are collectively referred to as the "Services". If you do not agree in full to these Terms of Use, do not use the Services.

The terms "we", "us", "our", "Company" and "Northwestern Mutual" refer to The Northwestern Mutual Life Insurance Company (NM), its subsidiaries and affiliates. NM's subsidiaries include Northwestern Long Term Care Insurance Company (NLTC), Northwestern Mutual Investment Services, LLC (NMIS), and Northwestern Mutual Wealth Management Company® (NMWMC).

All information on the Services is provided by us and our third-party information providers subject to these Terms of Use. These Terms of Use are a binding agreement between you and us. The Terms of Use may change in the future and without prior notice; you should review the most current version by clicking on the "Terms of Use" link.

Other agreements you have entered into with Northwestern Mutual such as account and service agreements are incorporated by reference and made part of this Terms of Use.

By using the Services, you accept at your own risk that the Internet and online communications medium may not perform as intended despite our efforts, your Internet service provider and you. The Services are provided as a courtesy to you for information purposes only and may not reflect all policies, contracts, or accounts you own. This is not an official account statement, and has not been audited or verified. The information on the Services does not in any way change or modify the terms, conditions, limitations or exclusions of any policy, contract, confirmation, prospectus or statement received from us or other organizations, and it has not been audited or verified. The Services should not be used as a source document for tax or other purposes. Forms 1099 should be relied on when preparing tax returns. We encourage you to review and maintain the individual policies or contracts, as well as the original, official reporting documents relating to the assets you hold (annual policy statements, account statements, confirmations, etc.). You should refer to these official documents when referring to the value of your assets.

Index

Site and Mobile App Content—General Information, Not an Offer

The information contained in the Services, including any links to other web sites, is intended to provide our clients with general information regarding insurance and/or investing. The Services are provided for information purposes only and do not constitute an offer to sell or a solicitation of an offer to buy any insurance product or security referenced. The information provided on the Services is for personal, non-commercial use. Reference to an insurance product, mutual fund or security included anywhere in the Services is not a recommendation to buy, sell, or hold that, or any other insurance product or security. We do not represent that the insurance products, securities or services described on the Services are suitable for any specific client. You are advised not to rely on any information contained on the Services in the process of making a fully informed insurance or investment decision. Users of the Services should contact a Northwestern Mutual Financial Representative before making any insurance or investment decisions.

Not Legal or Tax Advice

We are not providing specific insurance or investment advice to any individual viewing the content of the Services. The information on the Services is not intended and should not be construed as legal or tax advice.

Accessing Your Account(s)/Security

Certain parts of the Services may be protected by passwords or require a login. For authentication purposes, certain features on the Services may require you to answer a designated security question. You agree to provide true, accurate and complete information as prompted by the Services' registration processes and agree to regularly update this information to maintain its completeness and accuracy. You agree not to obtain or attempt to obtain unauthorized access to such parts of or features on the Services, or to any other protected Services information, through any means not intentionally made available to you.

You are responsible for maintaining the confidentiality of any account information, user names, logins, passwords, and security questions and answers that you use to access any page or feature on the Services, and for logging off of your account and any protected areas of the Services. You are fully responsible for all activities occurring under your accounts, user names, logins, passwords, and security questions and answers that result from your negligence, carelessness, misconduct, or failure to use or maintain reasonable security measures.

If you become aware of any suspicious or unauthorized conduct concerning your policies, accounts, user names, logins, passwords, security questions and answers, or any other breach of security, you agree to contact us immediately. We will not be liable for any loss or damage arising from your failure to comply with the above conditions.

Granting Access to Information about Your Policies and Accounts

You may use the Services to authorize another Northwestern Mutual client to see information about your policies and accounts when that other client logs into the Services using his own log in credentials (such person referred to as "authorized viewer").

If you grant such access, you understand and agree that the authorized viewer is not authorized to make or request any changes in connection with your policies and accounts, including without limitation, to enter into or request any transaction on any of your policies or accounts or to add, delete, or change any of your profile information or policy or account options. You understand and agree that once you have authorized access to information about your policy(s) and/or account(s) as referenced above, such access by the authorized viewer will continue without further notice to you until you revoke such authorization either electronically on the Services or by giving written notice to us or your Financial Representative. You understand that the authorized viewer may cause your information to be re-disclosed. You understand that you can revoke this authorization at any time. You acknowledge that the authority you have granted to the authorized viewer shall remain in effect until Northwestern Mutual receives notice of revocation of your authorization and we have had a reasonable amount of time to act upon such notice.

You hereby agree to indemnify and hold The Northwestern Mutual Life Insurance Company, Northwestern Long Term Care Insurance Company, Northwestern Mutual Investment Services, LLC, and Northwestern Mutual Wealth Management Company®, and their officers, directors, trustees, policyowners, attorneys, insurers, independent contractors, principals, agents, financial representatives, servants, representatives, employees, subsidiaries, affiliates and partners, together with their predecessors and successors in interest, assigns and heirs, harmless from any liability and/or damages resulting from providing to any authorized viewer any information as selected and authorized by you.

Electronic Transmission

By signing up for the Services, we may send you electronic transmissions, including via any e-mail address you provide to us, of information that you may consider to be personal information or promotional or marketing materials. By using the Services, you consent to electronic transmission of such personal information or promotional or marketing materials.

Warranty Disclaimer

You understand and agree that your use of the services (including the site and the mobile app) is entirely at your own risk. The services are provided on an "as is" and "as available" basis. To the maximum extent permitted by applicable law, NM, NMIS, NMWMC, NLTC and other providers of materials on this site disclaim any warranty of any kind, whether express or implied, as to any matter whatsoever relating to the service, including without limitation the implied warranties of title, merchantability, fitness for a particular purpose, data loss, noninfringement, or the accuracy, completeness, reliability, quality, timeliness, or content of the services. NM, NMIS, NMWMC, NLTC and other providers of materials on the services do not warrant that the servives are secure, free from bugs, viruses, interruption, errors, theft, or destruction.

Further, NM, NMIS, NMWMC, NLTC and other providers of materials on the services expressly disclaim all warranties with respect to any delays or errors in the transmission or delivery of any materials, products or services available through the services.

No judgment or warranty is made with respect to the accuracy, timeliness, or suitability of the content of other services or sites to which these screens link, and we do not take any responsibility therefore. A link from this Site to another service or site outside of this Site or Mobile App is not an endorsement of the service or site, its content, or its sponsoring organization, and your use of other services or sites is subject to the terms of use of those services or sites.

Limitation of Liability and Indemnity

Except where prohibited by law, in no event will NM, NMIS, NMWMC, or NLTC be liable to you for any damages, including but not limited to, indirect, consequential, exemplary, incidental or punitive damages, including lost profits, arising out of any use or inability to use the services (including the site and the mobile app) or any portion thereof, even if we have been notified of the possibility of such damages occurring and regardless of the type of action, whether in contract, warranty, tort (including negligence), strict liability or otherwise. NM, NMIS, NMWMC, NLTC and other providers of materials on the services disclaim any and all liability for the acts, omissions and conduct of third parties in connection with or related to your use of the services. You assume total responsibility for your use of the services and any linked sites. You agree to indemnify and hold NM, NMIS, NMWMC, NLTC and their officers, directors, trustees, policyowners, attorneys, insurers, independent contractors, principals, agents, financial representatives, servants, representatives, employees, subsidiaries, affiliates and partners, together with their predecessors and successors in interest, assigns and heirs (collectively referred to as "NM indemnities"), harmless from any and all demands, claims, liability or expenses, including reasonable attorneys' fees and costs, made against any of the nm indemnities due to, arising out of or in connection with your use of the services or breach of these terms of use (hereinafter collectively referred to as "claims"). NM, NMIS, NMWMC, and NLTC reserve the right, in their sole discretion and at their own expense, to assume the exclusive defense and control of any claims. You agree to reasonably cooperate as requested by NM, NMIS, NMWMC, and NLTC in the defense of any claims. Any materials downloaded or otherwise obtained through the services are done at your own risk. You are solely responsible for any damage to your computer system or other equipment, or loss of data that results from such download.

Use of Site Outside The U.S./Availability of Products and Services

This Site has been published in the United States for residents of the United States. The Services are not intended for use by, or to provide any information to, persons outside of the United States. Persons outside of the United States may be subject to insurance, securities and tax regulations within their applicable jurisdictions that are not addressed on the Services. No insurance, security, investment advisory service, or other product or service will be offered or sold in any jurisdiction in which such offer, solicitation, purchase or sales would be unlawful under the laws of the jurisdiction.

Clients in the United States should be advised that not all insurance, investments, products, product features, or underlying investment options may be available in all states. We reserve the right to require proof of residence from any user accessing the Services and requesting information.

Nothing on the Services shall be construed to be a solicitation to buy or an offer to sell any insurance, security, product, or service to any person outside the U.S., nor shall any such insurance, security, product or service be solicited, offered or sold in any jurisdiction where such activity would be unlawful under the laws of the jurisdiction, or would subject us or any of our affiliates to any registration requirement within such jurisdiction.

Third Party Links

Links to other websites are provided for your convenience and information only. When you click on a link to another website you will be leaving the Site. The fact that we provide links to other websites does not mean that we endorse, authorize or sponsor the linked website, or that we are affiliated with that website's owners or sponsors. Unless otherwise indicated, the linked sites are not under our control and we are not responsible for and assume no liability for the content or presentation of any linked site or any link contained in a linked site, or any changes or updates to such sites. We make no representations about the accuracy or completeness of the information contained in any linked sites. We retain the right to remove links to other websites at any time.

Links may include links to Facebook, LinkedIn and other social media sites solely for the purpose of helping site visitors learn more about our Financial Representatives. Except for information related to Northwestern Mutual, Financial Representative social media sites to which we provide a link are the responsibility of the individual Financial Representative and are not under our control.

Copyright Information, Site Ownership, and Restrictions on Use

The material provided on the Services, including graphic images, buttons, and text, may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without our prior written permission, except that you may download, display, or print the materials on any single computer solely for your personal, non-commercial, home use, provided that you keep intact all copyright, trademark, and other proprietary notices. Modification of the materials or use of the materials for any other purpose is a violation of copyright(s) and other proprietary rights. Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise, any license or right under any copyright, patent, trademark, or other proprietary interest of the material providers.

All non-Northwestern Mutual trademarks, service marks, trade names, product names, company names or logos mentioned or shown on the Services are the property of their respective owners. Reference to any products, services, processes or other information, by trademark, service mark, trade name, product name, company name, logo or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by Northwestern Mutual.

Jurisdiction/Applicable Law

This Terms of Use is entered into in Milwaukee, Wisconsin, and shall be governed by the laws of the State of Wisconsin and the federal laws of the United States of America, without regard to conflicts of law principles. For all disputes arising out of or related to the Service, you agree to submit to the personal and exclusive jurisdiction of the state and federal courts located in Wisconsin.

Minors' Use of Site Prohibited

The Services are directed at adults. By registering for the Services, you represent that you are 18 years of age or older. No one under age 18 is allowed to use the Site or provide any personal information.

Privacy

Our privacy policies apply to your use of the Services, and those policies are incorporated into this Terms of Use by reference. To view our privacy policies, please click on the respective links below.

Northwestern Mutual Website Online Privacy Statement

Northwestern Mutual's Online Privacy Statement, which discloses the privacy practices for this website, is available via the link below: https://www.northwesternmutual.com/legal-information/online-privacy-statement.aspx

NM Customer Privacy Notice

NM's Customer Privacy Notice is available via the link below: https://www.northwesternmutual.com/legal-information/customer-privacy-notice.aspx#nm

NLTC Customer Privacy Notice

NLTC's Customer Privacy Notice is available via the link below: https://www.northwesternmutual.com/legal-information/customer-privacy-notice.aspx#nltc

NMIS Customer Privacy Notice

NMIS's Customer Privacy Notice is available via the link below: https://www.northwesternmutual.com/legal-information/customer-privacy-notice.aspx#nmis

NMWMC Customer Privacy Notice

NMWMC's Customer Privacy Notice is available via the link below: https://www.northwesternmutual.com/legal-information/customer-privacy-notice.aspx#nmwmc

Modification and Termination

We reserve the right to modify these Terms of Use, modify the information contained on the Services, or modify the availability of any features or functionality of the Site at any time, without notice or liability. Any such modifications will be effective immediately upon posting to the Site, and you are responsible for checking the Services periodically for modifications to these Terms of Use, the Site or the Mobile App. The rights granted to you by these Terms of Use terminate immediately upon any violation by you of the Terms of Use. We further reserve the right, in our sole discretion, to temporarily or permanently discontinue your electronic access to your account and use of the Site or Mobile App at any time, without notice or liability. We will not be liable to you or any third party for any termination of your access to or use of this Site or the Mobile App.

Severability

If a court of competent jurisdiction deems any provision unenforceable, that provision will be enforced to the maximum extent possible, and the remaining provisions will remain in full force and effect.

Entity Identification

Northwestern Mutual® is a trademark of The Northwestern Mutual Life Insurance Company. Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM) (life and disability insurance, annuities and life insurance with long-term care benefits), customer service 1-800-388-8123, and its subsidiaries. Northwestern Long Term Care Insurance Company, Milwaukee, WI (NLTC) (long-term care insurance), customer service 1-800-890-6704, is a subsidiary of NM. Northwestern Mutual Investment Services, LLC, Milwaukee, WI (NMIS) (securities), customer service 1-866-664-7737, is a subsidiary of NM, broker-dealer, registered investment adviser, member FINRA and SIPC. Northwestern Mutual Wealth Management Company®, Milwaukee, WI (NMWMC) (fiduciary and fee-based financial planning services), customer service 1-866-664-7737, is a subsidiary of NM and a federal savings bank. Investment products and trust services are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, NMWMC or its affiliates and are subject to investment risks, including possible loss of the principal amount invested. LearnVest, Inc. is owned by NM Planning, LLC, a subsidiary of NM. The products and services referenced are offered and sold only by appropriately appointed and licensed entities and representatives of such entities. Each Financial Representative represents one or more, but not necessarily all of the entities shown. Recommendations and/or transactions involving equities and fixed income securities may only be offered and/or sold by appropriately registered and appointed representatives of NMIS or NMWMC. If you have any questions, please contact your Financial Representative. For general information, please visit us on the web at www.northwesternmutual.com.

Accounts Aggregation Feature

The following terms and conditions also apply to your use of the Accounts aggregation feature of the Services.

Description of the Accounts Service

The Accounts aggregation feature of the Services is a personal information management service ("Accounts Service") offered at no cost that enables you to consolidate and view information about your Northwestern Mutual insurance policies, annuities contracts, investment accounts and other accounts and holdings, along with information about your policies and accounts held at other financial institutions. Northwestern Mutual may retain one or more independent service providers ("Service Provider") to provide the Accounts Service or any portion of the Accounts Service.

Use of Your Information

All consolidated information, financial or otherwise, that you can view on the accounts service will be shared with and visible to northwestern mutual, its employees, and all of your financial representative(s) and team(s), giving them information that will enable them to develop customized solutions that meet your long-term financial security goals and objectives and for the purpose of providing services and/or offering products to you, as permitted by law. if another person has used the site to authorize us to share northwestern mutual information with you, that northwestern mutual information also will be available on the accounts service. your login credentials for third party accounts are stored in an encrypted format and will not be visible to or accessible by us, our employees, or our financial representatives.

Provide Accurate Information

You agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other web sites, and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate. You agree not to obtain or attempt to obtain unauthorized access to such parts of or features on this Site or the Mobile App, or to any other protected Site or Mobile App information, through any means not intentionally made available to you.

Proprietary Rights

You are permitted to use content delivered to you through the Accounts Service only on the Accounts Service. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the service technology, including but not limited to, any Java applets associated with the Accounts Service.

Content You Provide

You are licensing to Company and its Service Provider any information, data, passwords, user names, PINS, personally identifiable information, materials or other content (collectively "Content") you provide through or to the Accounts Service. You authorize us or our Service Provider to use any Content you provide through or to the Accounts Service or that we or our Service Provider retrieve on your behalf for purposes of providing the Accounts Service, to offer products or services, and for other permissible Northwestern Mutual business purposes. Except as otherwise provided herein, we or our Service Provider may store, use, change or display such Content or create new content using such Content. By submitting Content, you agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, Company and Service Provider may use the Content for the purposes set out above.

Power of Attorney

By using the accounts service, you authorize company and service provider to access information at third party sites on your behalf. For all purposes hereof, you hereby grant company and service provider a limited power of attorney, and you hereby appoint company and service provider as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. You acknowledge and agree that when company or service provider accesses and retrieves information from third party sites, company and service provider are acting as your agent, and not the agent or on behalf of the third party. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the accounts service is not endorsed or sponsored by any third party account providers accessible through the accounts service.

Non-Northwestern Mutual Site Access and Accounts

With respect to any third party sites we may enable you to access through the Accounts Service or with respect to any non-Northwestern Mutual accounts you include in the Accounts Service, you agree to the following:

You are responsible for all fees charged by the third party in connection with any non-Northwestern Mutual accounts and transactions. You agree to comply with the terms and conditions of those accounts and agree that this Terms of Use does not amend any of those terms and conditions. If you have a dispute or question about a non-Northwestern Mutual product or account, you agree to direct it to the appropriate institution.

Any links to third party sites that we may provide are for your convenience only, and Northwestern Mutual does not sponsor or endorse those sites. Any third party services, which you may be able to access through the Accounts Service, are services of the listed institutions. We have no responsibility for any transactions and inquiries you initiate at third party sites. The third party sites you select are solely responsible for their service to you. We are not liable for any damages or costs of any type arising out of or in any way connected with your use of the services of those third parties.

Privacy

Northwestern Mutual will protect and share your information as described in the Northwestern Mutual Customer Privacy Notice.

  • For your security, when you provide logon credentials for non-Northwestern Mutual accounts, this logon information is encrypted and is not readable by Northwestern Mutual or its Service Provider.
  • Non-Northwestern Mutual account information may be used by Northwestern Mutual to provide the Accounts Service, to offer products and services, for marketing and for other permissible business purposes.
  • You can delete a non-Northwestern Mutual account from the Accounts Service at any time. Such deletion will not affect information or content retrieved prior to that deletion.

User Conduct

You agree not to use the Accounts Service or the content or information delivered through the Accounts Service in any way that would: (a) be fraudulent or involve the sale of counterfeit or stolen items, including but not limited to use of the Accounts Service to impersonate another person or entity; (b) violate any law, statute, ordinance or regulation (including without limitation those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (c) create liability for Northwestern Mutual or cause us to lose the services of our Service Provider; (d) access the information and content programmatically by macro or other automated means; or (e) use the Accounts Service in such a manner as to gain unauthorized entry or access to computer systems.

Disclaimer of Warranties

You expressly understand and agree that:

Your use of the accounts service and all information, products and other content (including that of third parties) included in or accessible from the accounts service is at your sole risk. The accounts service is provided on an "as is" and "as available" basis. Company and service provider expressly disclaim all warranties of any kind as to the accounts service and all information, products and other content (including that of third parties) included in or accessible from the accounts service, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and noninfringement.

Company and service provider make no warranty that (i) the accounts service will meet your requirements, (ii) the accounts service will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the accounts service will be accurate or reliable, (iv) the quality of any products, services, information, or other material obtained by you through the accounts service will meet your expectations, or (v) any errors in the technology will be corrected.

Any material downloaded or otherwise obtained through the use of the accounts service is done at your own discretion and risk and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by you from company or service provider through or from the accounts service will create any warranty not expressly stated in these terms.

Limitation of Liability

You agree that, to the maximum extent allowed by law, neither company or service provider nor any of their employees, agents, affiliates, account providers or any of their affiliates will be liable for any harms, which lawyers and courts often call direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, even if company or service provider has been advised of the possibility of such damages, resulting from: (i) the use or the inability to use the accounts service; (ii) the cost of getting substitute goods and services, (iii) any products, data, information or services obtained or messages received or transactions entered into, through or from the accounts service; (iv) unauthorized access to or alteration of your transmissions or data; (v) statements or conduct of anyone on the service; (vi) the use, inability to use, unauthorized use, performance or non-performance of any third party account provider site, even if the provider has been advised previously of the possibility of such damages; or (vii) any other matter relating to the accounts service. Because some jurisdictions do not allow the exclusion or limitation of liability for certain damages referenced above, certain limitations set forth above may not apply to you.

Indemnification

You agree to protect and fully compensate Company and Service Provider and their employees, agents and affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorney's fees) caused by or arising from your use of the Accounts Service, your violation of these terms or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone. You agree that Service Provider is a third party beneficiary of the above provisions, with all rights to enforce such provisions as if Service Provider were a party to this Agreement.

For NM and NLTC HIPAA-Covered Products and Benefits Only

You understand that any NM and/or NLTC HIPAA-covered long-term care products and/or benefits information that are disclosed on the Accounts Service may no longer be covered by certain federal and state rules governing privacy and confidentiality, and you acknowledge that the information disclosed may be subject to re-disclosure for the purpose of providing services to you.

With regard to NM and/or NLTC HIPAA-covered long-term care products and/or benefits information only, this authorization shall remain in force for twenty-four months following the date it is granted. For any other type of information, this authorization shall remain in force indefinitely and until revoked by you or access is terminated by Northwestern Mutual or the Service Provider.

You understand that you can view this authorization form on the Accounts Service, that you have the right to refuse to give this authorization, and that you may revoke this authorization at any time through the Accounts Service. Granting, refusing to grant or revoking this authorization will not affect your policy/contract/account structure or ownership in any way, nor will it affect any notices/statements/confirmations/reports mailed from or service provided by Northwestern Mutual, it subsidiaries and affiliates, including but not limited to information related to treatment, payment or enrollment or eligibility for benefits.

Northwestern Mutual Mobile App Terms and Conditions

In addition to your agreement with the foregoing Terms of Use, you acknowledge and agree to the following provisions with respect to your use of the Northwestern Mutual mobile application ("Mobile App"). The Accounts Service is accessible on the Mobile App.

Access to your information may be available through a compatible mobile device, Internet and/or network access and may require software. You agree that you are solely responsible for these requirements, including any applicable changes, updates and fees as well as the terms of your agreement with your mobile device and telecommunications provider. Northwestern Mutual makes no warranties or representations of any kind, express, statutory or implied as to: (i) the availability of telecommunication services from your provider and access to the services at any time or from any location; (ii) any loss, damage, or other security intrusion of the telecommunication services; and (iii) any disclosure of information to third parties or failure to transmit any data, communications or settings connected with the services.

This Terms of Use is an agreement between you and Northwestern Mutual. Apple Inc. ("Apple") is not a party to the Terms of Use agreement and does not own and is not responsible for the Mobile App. Apple is not providing any warranty for the Mobile App. Apple is not responsible for maintenance or other support services for the Mobile App and shall not be responsible for any other claims, losses, liabilities, damages, costs or expenses with respect to the Mobile App, including, without limitation, any third party product liability claims, claims that the Mobile App fails to conform to any applicable legal or regulatory requirement, claims arising under consumer protection or similar legislation, and claims with respect to intellectual property infringement.

The license you have been granted herein is limited to a non-transferable license to use the Mobile App on any compatible device that you own or control, as permitted by the Usage Rules set forth in the App Store sm Terms of Service. In addition, you agree to comply with the terms of any third party agreement that is applicable to you when using the Mobile App, such as your wireless data service agreement.

You hereby represent and warrant (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

You acknowledge and agree that Apple and Apple's subsidiaries are third party beneficiaries of this Terms of Use and that, upon your acceptance of these Terms of Use, Apple will have the right (and will be deemed to have accepted the right) to enforce this Terms of Use against you as a third party beneficiary thereof.

App Store is a service mark of Apple Inc.

Northwestern Mutual Secure Share Terms and Conditions

In addition to your agreement with the foregoing Terms of Use, you acknowledge and agree to the following provisions with respect to your use of the secure document facility on the Site, also known as Northwestern Mutual Secure Share ("Secure Share").

In order to obtain services from the Company and your Financial Representative, you may use the Site to upload documents in PDF format for the purpose of receiving planning services. You may receive certain documents or information via Secure Share, such as your financial plan. Any documents uploaded by you will be kept according to our retention guidelines. You can delete documents that you have uploaded, but they may continue to be available to Northwestern Mutual and your Financial Representative(s).

Documents and information uploaded to secure share will be shared with and visible to Northwestern Mutual, its employees, and all of your financial representative(s) and team(s), for the purpose of providing services and/or offering products to you, as permitted by law.

Northwestern Mutual will have no liability of any kind as a result of the deletion of, correction of, destruction of, damage to, loss of or failure to store or encrypt any content on secure share.

Do not use secure share to make or place securities orders or trades because they will not be executed.

Northwestern Mutual reserves the right, to temporarily suspend or terminate your access to Secure Share at any time in our sole discretion, with or without cause, with or without notice, and without incurring liability of any kind. For example, we may suspend or terminate your access to or use of Secure Share for actual or suspected violation of these Terms of Use or law; maintenance or technical problems; or use of excessive storage capacity or bandwidth. You acknowledge that if your access to secure share is suspended or terminated, you may no longer have access to the content that is stored in secure share.

Updated by Northwestern Mutual on May 9, 2016.