[{"data":1,"prerenderedAt":33},["ShallowReactive",2],{"gql:data:Ix3O4rzkbzhl7zFN7vMoezR1XMnPySslDXbOAQ7h2N8":3},{"legalPage":4},{"heroImage":5,"heroHeadline":18,"introduction":19,"body":20,"derivedSeoDescription":8,"derivedSeoTitle":21,"derivedSocialMediaDescription":8,"derivedSocialMediaImage":22,"derivedSocialMediaTitle":21},{"id":6,"alt":7,"caption":8,"assetUrl":9,"assetUrlXs":10,"assetUrlSm":11,"assetUrlMd":12,"assetUrlLg":13,"assetUrlXl":14,"assetUrlXxl":15,"width":16,"height":17},"30","",null,"https://assets-malibu-life-usa-bermuda.s3.us-west-2.amazonaws.com/system/uploads/fae/image/asset/30/Group_137.png","https://assets-malibu-life-usa-bermuda.s3.us-west-2.amazonaws.com/system/uploads/fae/image/asset/30/xs_Group_137.png","https://assets-malibu-life-usa-bermuda.s3.us-west-2.amazonaws.com/system/uploads/fae/image/asset/30/sm_Group_137.png","https://assets-malibu-life-usa-bermuda.s3.us-west-2.amazonaws.com/system/uploads/fae/image/asset/30/md_Group_137.png","https://assets-malibu-life-usa-bermuda.s3.us-west-2.amazonaws.com/system/uploads/fae/image/asset/30/lg_Group_137.png","https://assets-malibu-life-usa-bermuda.s3.us-west-2.amazonaws.com/system/uploads/fae/image/asset/30/xl_Group_137.png","https://assets-malibu-life-usa-bermuda.s3.us-west-2.amazonaws.com/system/uploads/fae/image/asset/30/xxl_Group_137.png",1440,432,"Terms of Use","Website Terms of Use","Effective Date: August 14, 2026\r\n\r\n\r\nPlease read these Terms of Use carefully, as they govern your use of the Malibu Life USA website and social media pages (collectively, our “Sites”).  If you do not agree to be legally bound by the Terms of Use in their entirety, do not access or use our Sites.  By using our Sites, you represent and warrant that you are 18 years of age or older, reside in the United States, and have read, understand and agree to be legally bound by these Terms of Use, without limitation or qualification.  \r\n\r\n\r\n**Privacy**\r\n\r\nYour use of this Website is also governed by our Privacy Policy. Our Privacy Policy is designed to inform you of how we collect, use, retain, safeguard and share certain information when you use our Sites.  BY USING OUR SITES, YOU ARE AGREEING TO OUR PRIVACY POLICY.\r\n\r\n\r\n**Content for Informational Purposes Only**\r\n\r\nNothing on our Sites constitutes an offer or solicitation of any insurance product.  The information contained on our Sites is for informational purposes only, is not written or intended as financial, tax, or legal advice, and should not be construed as making a recommendation to purchase any insurance product.  \r\n\r\nYou should consult a financial professional, or tax or legal advisor, about your specific circumstances and whether the products and services identified on our Sites are right for you before making any decisions.  \r\n\r\n\r\n**Access and Security**\r\n\r\nWhile we take steps to protect our Sites, we cannot guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from interception, error, delay or interruption.  Further, we cannot guarantee or warrant that our Sites are free of viruses or harmful code.  As a result, we strongly advise you to take appropriate precautions, such as using antivirus software, to protect the security and integrity of your computer systems.  \r\n\r\nCertain portions of this website provide customers the ability to access information and engage in certain service transactions related to their annuity contract (their “Online Account”).  Please be aware that contract information available through the Online Account is not the official record of your annuity contract.  Please refer to your contract, riders, schedules, and annual statements as the official record of your annuity contract.  \r\n\r\nIn order to access your Online Account, you will be asked to provide certain registration details, such as a username, password, and other pieces of information, as part of our information security protocols.  You are responsible for maintaining the confidentiality of all such registration details and must not disclose your registration details to any other person or entity.  Further, you are responsible for all activities that occur through your Online Account by you or others authorized by you to access your Online Account, or that result from your negligence, carelessness, or failure to maintain appropriate security and confidentiality over your Online Account and registration details.  You agree to notify us immediately of any suspicious or unauthorized access to or conduct concerning your Online Account.  \r\n \r\nYou agree that your access and use of your Online Account, and the information provided through your access and use, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with the Privacy Policy.  When accessing your Online Account, system failures and errors may occur at times, or access may be unavailable due to systems maintenance or for other reasons.  We will not be liable if, for any reason, portions of our Sites or your Online Account are unavailable to you.  Please contact us immediately if you are unable to access your Online Account and need assistance with a transaction or obtaining information about your annuity contract.  \r\n\r\nWe reserve the right to disable or discontinue electronic access to the Online Account at any time, in our sole discretion, including if, in our opinion, we believe a violation of these Terms of Use has occurred.  \r\n\r\n\r\n**Copyright Restrictions and Trademarks**\r\n\r\nAll of the information and content on our Sites is owned by TruSpire Retirement Insurance Company, a Malibu Life USA company, or our affiliates or licensors, and are protected by United States and international laws regarding copyrights, trademarks, patents, trade secrets, and other intellectual property or proprietary rights.  You are authorized to use the information and content on our Sites only for your personal, non-commercial use or, if you are a licensed insurance producer appointed with TruSpire, for your legitimate business purposes.  You may not reproduce, copy, distribute, display, publish, modify, or create derivative works of any aspect of our Sites for commercial or any other purposes not expressly permitted under this Terms of Use.  \r\n\r\nMalibu Life, Malibu Life USA, TruSpire, and related logos are trademarks, service marks, or trade names of TruSpire Retirement Insurance Company or our affiliates, and may not be used without our written permission.  All other names, brands, and marks not owned by TruSpire Retirement Insurance Company or our affiliates are used for identification purposes only and are trademarks, service marks, or trade names of their respective owners.  \r\n\r\n\r\n**Third Party Content**\r\n\r\nAt times, we may provide links on our Sites to websites and resources provided by third parties.  These links are provided for informational purposes only.  We do not have any control over the contents of such third-party websites and resources, and do not accept any responsibility for any loss or damage that may arise from your use of them.  Any use is subject to the terms and conditions and privacy policies contained on the third-party websites and resources.   \r\n\r\n\r\n**Disclaimer of Warranties**\r\n\r\nWhile we seek to provide accurate, complete, and current information through our Sites, information on our Sites may be out-of-date or contain errors.   The information and content on our Sites are provided “as is” and for informational purposes only.  TruSpire disclaims all representations and warranties of any kind, including but not limited to any warranties of merchantability, non-infringement, and fitness for a particular purpose, to the fullest extent permitted by applicable law.  \r\n\r\n\r\n**Limitation of Liability**\r\n\r\nTo the fullest extent provided by law, in no event will TruSpire Retirement Insurance Company, our affiliates, our licensors, or any other party involved in creating or producing our Sites, or the content therein, be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, our Sites or any content on our Sites, including any direct, indirect, special, incidental, consequential, or punitive damages.\r\n\r\n\r\n**Jurisdiction & Governing Law**\r\n\r\nThese Terms of Use are governed in all respects by, and construed in accordance with, the laws of the State of Texas, without regard to its conflicts of law principles.\r\n\r\n\r\n**Changes to our Terms of Use**\r\n\r\nWe may revise these Terms of Use at any time in our sole discretion.  Any revisions are effective immediately upon our posting the updated Terms of Use to this website.  By continuing to use our Sites, you agree to any such updated terms.  \r\n\r\n\r\n**Geographic Restrictions**\r\n\r\nTruSpire Retirement Insurance Company is based in the United States and licensed to do business in forty-three states and the District of Columbia.  The products and services described on our Sites are intended only for persons in the United States.  No insurance product is offered in any state where TruSpire Retirement Insurance Company is not licensed to conduct business or where the insurance product is not available for sale.  Products and product features are not available in all states.  \r\n\r\nAccess to our Sites may not be legal by certain persons or in certain countries.  If you access our Sites from outside of the United States, you do so on your own initiative and are responsible for compliance with the laws of the United States and your resident country.  \r\n\r\n\r\n**Contact Us**\r\n\r\nIf you have any questions regarding the Terms of Use, please contact us using one of the methods in the Contact tab of this website. \r\n","Legal | Malibu Life USA",{"id":23,"alt":7,"caption":8,"assetUrl":24,"assetUrlXs":25,"assetUrlSm":26,"assetUrlMd":27,"assetUrlLg":28,"assetUrlXl":29,"assetUrlXxl":30,"width":31,"height":32},"8","https://assets-malibu-life-usa-bermuda.s3.us-west-2.amazonaws.com/system/uploads/fae/image/asset/8/MalibuLife-OpenGraph-1200x630.jpg","https://assets-malibu-life-usa-bermuda.s3.us-west-2.amazonaws.com/system/uploads/fae/image/asset/8/xs_MalibuLife-OpenGraph-1200x630.jpg","https://assets-malibu-life-usa-bermuda.s3.us-west-2.amazonaws.com/system/uploads/fae/image/asset/8/sm_MalibuLife-OpenGraph-1200x630.jpg","https://assets-malibu-life-usa-bermuda.s3.us-west-2.amazonaws.com/system/uploads/fae/image/asset/8/md_MalibuLife-OpenGraph-1200x630.jpg","https://assets-malibu-life-usa-bermuda.s3.us-west-2.amazonaws.com/system/uploads/fae/image/asset/8/lg_MalibuLife-OpenGraph-1200x630.jpg","https://assets-malibu-life-usa-bermuda.s3.us-west-2.amazonaws.com/system/uploads/fae/image/asset/8/xl_MalibuLife-OpenGraph-1200x630.jpg","https://assets-malibu-life-usa-bermuda.s3.us-west-2.amazonaws.com/system/uploads/fae/image/asset/8/xxl_MalibuLife-OpenGraph-1200x630.jpg",1200,630,1787335537404]