Terms of Use

UPDATED AS OF: 01.06.2026

This website and its interactive features, applications, and social network pages (“Platforms”) are operated by Khonor Asset (“Khonor Asset,” “we,” “us,” or “our”), a doing-business-as name of Massachusetts Mutual Life Insurance Company(“MassMutual”). Khonor Asset provides asset management, investment, and insurance products and services designed to help clients meet their long-term financial goals.

Please read this Legal Notice/Terms of Use (“Terms of Use”) statement carefully before using the Platforms. By using the Platforms, you accept and agree to be bound by these Terms of Use and our Online Privacy Policy. Additional legal notices, terms and conditions regarding Khonor Asset or its affiliates may be found elsewhere on the Platforms or on such company’s own website. Those additional legal notices, terms and conditions apply with regard to the matters specifically addressed by them. In addition, you may be required to affirmatively consent to additional terms and conditions in order to use certain of the Platforms.

1. Eligibility
In order to use the Platforms, you need to (a) be 18 or older, or be 13 or older and have your parent or guardian’s consent to these Terms of Use; and (b) have the power to enter a binding contract with us and not be barred from doing so under any applicable laws in your place of residence. If you do not agree to these Terms of Use, you should not access or use the Platforms.

2. Changes to the Terms of Use
We may revise and update these Terms of Use from time to time. If we make any material changes, we will post a notice on the Platforms prior to the change becoming effective. By continuing to use the Platforms, you agree to any such changes or updates.

3. Access and Security
You should be aware that, in general, information sent through the Internet is not secure. Email services that may be provided through the Platforms generally are not encrypted and do not provide a secure and private means of communication with us. Certain services offered on the Platforms do provide a secure means to communicate with us, and you will be advised when you are using such a service. While Khonor Asset may provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we cannot guarantee that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception, or error. To protect your own privacy, confidential and/or personal information should only be communicated via email when you are advised that you are using a secure mechanism.
We cannot guarantee or warrant that any part of the Platforms, including files available for download, are free of viruses or other harmful code. It is your responsibility to take appropriate precautions, such as use of an anti-virus software package, to protect your computer hardware and software.

4. Online Accounts
Certain portions of the Platforms may be protected by passwords or require use of a Personal Identification Number (“PIN”) in order to access your policy, contract, certificate, or account (“Account”) information. You agree to provide Khonor Asset with current, complete, and accurate information about you as prompted by the applicable registration process and agree to regularly update this information to maintain its completeness and accuracy. You agree to use the Platforms to access only those Accounts on which you are authorized to act, and you agree to use your own usernames, PIN, and security questions and answers when accessing Accounts on which you are authorized to act. You agree not to obtain or attempt to obtain unauthorized access to the Platforms through any means not intentionally made available to you by Khonor Asset.
You are responsible for maintaining the confidentiality of any Account information, usernames, logins, passwords, your PIN, and any security questions and answers that you, or another person or entity authorized by you, use to access any page or feature on the Platforms, and for logging off of your account and any protected areas of the Platforms. Further, you are fully responsible for all activities (including any transactions entered into) under your Account(s), PIN, usernames, passwords, and security questions and answers that result from your negligence, carelessness, misconduct, or failure to use or maintain appropriate security measures. If your PIN, account number(s), or other security details are lost or stolen, or you become aware of any suspicious or unauthorized conduct concerning your Account(s), you agree to contact Khonor Asset immediately. Khonor Asset will not be liable for any loss or damage arising from your failure to comply with this paragraph.
Products and services provided to you through the Platforms may involve the electronic transmission, including via any email address you provide to us, of information that you may consider to be personal financial information or promotional and marketing materials, and you consent to such transmission.
We reserve the right to discontinue electronic access to your Account at any time. We further reserve the right to modify the information contained on the Platforms or modify the availability of any transactions at any time. We may immediately and without notice terminate your ability to access your Account information if you violate the conditions of use stated herein or if you endanger the use of the services provided through the Platforms.

5. Products and Services
Please be aware that some products, services, product features, or underlying investment options described on the Platforms may not be available in your jurisdiction and generally are not available outside the United States. The laws of each country, state, or territory may differ, and not all products and services are available in all locations. References to products or services unavailable in your jurisdiction do not imply that these products will be made available to you. Your eligibility for certain products and services is subject to final determination of underwriting qualifications or other eligibility criteria and acceptance by Khonor Asset.
Variable annuities, variable life insurance, and mutual funds are offered for sale by prospectus only. To request prospectuses containing more complete information regarding registered products in your jurisdiction, including charges and expenses, please contact Khonor Asset or its representative. Read each prospectus carefully before you invest or send money.
To obtain additional information about our products, contact a Khonor Asset representative or contact us at the information provided below.

6. No Offers
The information contained on this website does not constitute an offer or solicitation for the sale of any security, insurance product, or service in any jurisdiction where we are not licensed to conduct business or where the security or insurance product is not available for sale. Securities products are offered for sale by prospectus only.
No security or insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation would be unlawful under the laws of that jurisdiction. Some products, product features, or underlying investment options may not be available in all states. Products are generally not available for purchase outside the United States. To obtain additional information about our products, contact a Khonor Asset representative or contact us.

7. Execution of Transactions
You may be able to conduct certain transactions through the Platforms, including, but not limited to, the ability to transfer funds among investment options and make payments. By using the Platforms to gain access to your account or other personal information, you consent to the electronic transmission of that information. You can only execute transactions, or obtain personal account information, by following the instructions stated within the appropriate log-on section of the Platforms. When using the Platforms to execute transactions, problems may occur that are beyond Khonor Asset’s ability to correct. Access to the Platforms may be limited or unavailable during periods of peak demand, systems upgrading, maintenance, or other reasons. If you are not able to complete your transaction due to a system failure; fail to receive written confirmation of a transaction or its execution, if applicable; or receive confirmation of a transaction you did not request, you must contact Khonor Asset immediately. Khonor Asset will not assume responsibility for such system failures and errors.

8. Third Party Content, Products and Services (Including Links)
We permit links from other websites and provide links to other websites simply as a convenience to visitors. When you click on these links, you are leaving our Platforms. The existence of a particular link does not indicate an endorsement by us of the linked site. Unless otherwise indicated, the linked sites are not under our control, and we are not responsible for the content 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 and assume no liability for the content or presentation of linked sites. The operators of those other websites may collect information about you through the use of cookies or other web technologies, and we have no control over the privacy or security practices of those third parties. We recommend that you review the privacy, security, and terms of use policies and notices of any linked website you may visit.
We are not responsible, and assume no liability, for content displayed on the Platforms that may be provided by another party. We are not responsible for the accuracy or completeness of any such content. We reserve the right, in our sole discretion, to remove links to other websites at any time.

9. Permissible Use of Materials
All of the information and content on the Platforms, including but not limited to all text, graphics, images, software applications and code, video, audio, and user interface design (“Platform Materials”), is the property of Khonor Asset or is being used with the express permission of a licensor, and is protected by United States and foreign copyright laws and conventions. The Terms of Use permit you to use the Platforms for your personal, non-commercial use only. You may download or print a copy of the information or materials contained on the Platforms for lawful, personal, non-commercial use only, provided that the copy retains all copyright and other proprietary notices contained on the materials. Any other copying, republication, redistribution, reproduction, uploading, posting, or transmittal of the text or graphics of the Platforms is expressly prohibited without our prior written permission.
You may not modify, reproduce, copy, distribute, transmit, display, publish, download or upload, sell, license, create derivative works of, or use any aspect of the Platforms or its Materials for commercial or public purposes or for any other purpose not expressly permitted by these Terms of Use.

10. Trademarks, Service Marks, and Logos
The trademarks, service marks, logos, URLs, and domain names, registered or not, appearing on the Platforms, including but not limited to “Khonor Asset” and any associated logos and designs (collectively, “Marks”), are registered and unregistered trademarks or service marks of Khonor Asset. You may not use, copy, download, display, transmit, or modify any Mark in any way without prior written consent. Unauthorized use may violate trademark and other applicable laws.

11. License to Conduct Business
Khonor Asset operates as a doing-business-as name of Massachusetts Mutual Life Insurance Company. Khonor Asset’s principal place of business is:
3975 Fair Ridge Dr, Suite 315N Fairfax, VA 22033, United States Phone: +1 (703) 218-6700
Products and services offered through Khonor Asset are subject to applicable licensing and regulatory requirements in each jurisdiction. Not all products and services are available in all states or jurisdictions.

12. Electronic Notices; Mobile Devices
You may elect to receive certain documents electronically, including but not limited to prospectuses, notices, disclosures, and other communications for your Account(s) through the Platforms. By accepting the separate terms of our e-delivery service, you agree that the documents we provide to you through the e-delivery service satisfy any legal requirement that such communications be in writing.
Through use of the Platforms, you may be able to: (a) upload content to the Platforms via your mobile device; (b) browse the Platforms from your mobile device; and/or (c) access certain features you have downloaded and installed on your mobile device. You are solely responsible for paying any service fees associated with such access, including text messaging and data charges. You must provide all equipment and software necessary to connect to the Platforms. You must ensure that your device and/or software does not disturb or interfere with the Platforms. Any equipment or software causing interference may result in immediate suspension or termination of your access to the Platforms.
You authorize your wireless operator to disclose your mobile number, name, address, email, network status, customer type, billing type, mobile device identifiers (IMSI and IMEI), and other subscriber and device details, if available, to Khonor Asset and its service providers, solely for identity verification and fraud avoidance purposes. See our Privacy Policy for how we treat your data.

13. Jurisdiction; Governing Law
We operate the Platforms in accordance with the laws of the United States. The laws of the Commonwealth of Virginia will govern any claims relating to the information contained on this website or arising out of your use of the Platforms.
If you take legal action relating to the Platforms, you agree to file such action only in the state or federal courts located in Fairfax County, Virginia, and you consent and submit to the personal jurisdiction of those courts for the purpose of litigating any such action.

14. Disclaimer of Warranties
EXCEPT AS PROHIBITED OR LIMITED BY LAW, YOUR USE OF THE PLATFORMS, ANY CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE PLATFORMS IS AT YOUR OWN RISK. ALL INFORMATION PRESENTED THROUGH THE PLATFORMS IS FURNISHED “AS IS” WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, INCLUDING WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT OF INTELLECTUAL PROPERTY. KHONOR ASSET DOES NOT REPRESENT OR WARRANT THAT THE PLATFORMS, THEIR CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THEREIN WILL BE ACCURATE, ERROR FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, OR THAT THE PLATFORMS ARE FREE OF VIRUSES OR OTHER HARMFUL CODE.

15. Limitation of Liability
IN NO EVENT WILL KHONOR ASSET, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS (THE “KHONOR ASSET PARTIES”) BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR INABILITY TO USE THE PLATFORMS, ANY WEBSITES LINKED THROUGH THE PLATFORMS, ANY CONTENT ON THE PLATFORMS, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE PLATFORMS, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, OR LOSS OF DATA, WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

16. Indemnification
You agree to release, defend, indemnify, and hold harmless the Khonor Asset Parties from and against all claims, actions, demands, liabilities, costs, and expenses, including without limitation reasonable attorneys’ fees, resulting from your breach of any provision of these Terms of Use, or any warranty you provide herein, or otherwise arising in any way out of your use of the Platforms. You agree to cooperate fully with Khonor Asset in asserting any available defenses in connection with a claim subject to indemnification by you under these Terms of Use.

17. No Legal or Tax Advice
The information provided on the Platforms is not written or intended as specific tax or legal advice and may not be relied upon for purposes of avoiding any federal tax penalties. Khonor Asset, its employees, and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

18. Forward-Looking Statements
Certain statements contained herein are statements of future expectations and other forward-looking statements based on management’s current views and assumptions. These involve known and unknown risks and uncertainties that could cause actual results, performance, or events to differ materially from those expressed or implied in such statements. Khonor Asset does not undertake any obligation to correct or update any forward-looking statements on the Platforms.

19. Contact Us
If you have any questions regarding these Terms of Use, please contact us at:
Khonor Asset, 3975 Fair Ridge Dr, Suite 315N Fairfax, VA 22033, United States Phone: +1 (703) 218-6700