This Web site (the "Site"), and any tools and/or services that are offered and/or provided by [Employer] (“we” or “us”) through this Site (collectively, the "Services"), are provided to you subject to these Terms of Use. By using this Site or the Services, you are agreeing to these Terms of Use. If you do not agree to these Terms of Use, you are not permitted to use this Site or the Services. These Terms of Use are subject to change. Any changes will be incorporated into the Terms of Use posted to this Site from time to time.

Authorized Use
You agree that you will use this Site and the Services according to these Terms of Use and other instructions posted on the Site. Unauthorized use of the Site, which is strictly prohibited, includes entering without authorization, attempting to enter our systems, misusing passwords, misusing information posted to the Site, and illegal conduct of any kind. We may prohibit access to anyone we determine, in our discretion, is violating these Terms of Use.

Third Party Service Providers

We will use third party service providers ("Third Party Service Providers") to provide certain content or Services with or without notice to you. We may also change Third Party Service Providers in our own discretion.

Copyrights and Trademarks

This Site and the Services may contain copyrighted works, trademarks and other proprietary material. You may not download, copy, reproduce, modify, create derivative works, publish, transmit, display, sublicense or distribute material or images from the Site without our express written permission or the permission of the Third Party Service Provider, as applicable.

No Investment Advice

The content and tools that are available on the Site are for information and education purposes only. We are not providing legal, tax, investment, financial or other advice. Nothing contained in the Site or Service constitutes a solicitation, recommendation, endorsement, or offer to buy or sell any securities or other financial instruments. You are solely responsible for the employee benefit or investment decisions that you make when using the Services on the Site.

Benefit Plan Information

The Site may provide certain information regarding or a summary of certain provisions of applicable benefit plans. The information provided on the Site is not intended to serve as the Summary Plan Description ("SPD") of the applicable plans, nor is it intended to be a complete description of the plans and their terms. THE OFFICIAL PLAN AND TRUST DOCUMENTS ARE THE CONTROLLING LEGAL DOCUMENTS AND YOU MUST RELY SOLELY ON THE PROVISIONS OF THOSE DOCUMENTS. IF ANY CONFLICT SHOULD ARISE BETWEEN THE INFORMATION PROVIDED AT THIS SITE AND THE TERMS OF THE PLAN AND/OR TRUST DOCUMENTS, THE TERMS OF THE PLAN AND TRUST DOCUMENTS WILL GOVERN.

Disclaimers

SOME OF THE CONTENT ACCESSIBLE ON THIS SITE OR SERVICES MAY BE PROVIDED BY THIRD PARTY SERVICE PROVIDERS. ANY SERVICES, OPINIONS, OFFERS OR OTHER INFORMATION GIVEN OR PROVIDED BY THIRD PARTY SERVICE PROVIDERS ARE THOSE OF THE RESPECTIVE PROVIDERS OF SUCH CONTENT AND SERVICES. IN SOME INSTANCES YOU WILL BE PROVIDED WITH NOTICE THAT YOUR ACCESS TO AND USE OF THIRD PARTY SERVICE PROVIDER CONTENT AND SERVICES IS SUBJECT TO A SEPARATE AGREEMENT AND TERMS OF USE THAT YOU WILL BE REQUIRED TO CONSENT TO WITH THE THIRD PARTY SERVICE PROVIDER OF THE APPLICABLE CONTENT AND SERVICES. WE ARE NOT A PARTY TO THE AGREEMENTS OR TERMS OF USE YOU MAY CONSENT TO WITH SUCH THIRD PARTY SERVICE PROVIDERS. Any separate agreement or terms of use to which you are required to consent with a Third Party Service Provider are in addition to these terms and conditions. In the event of a conflict, the Third Party Service Provider terms and conditions will govern with respect to the content and services provided by the applicable Third Party Service Provider.
ALTHOUGH WE USE REASONABLE EFFORTS TO PROVIDE ACCURATE AND UP-TO-DATE INFORMATION THROUGH THIS SITE, NEITHER WE NOR ANY THIRD PARTY SERVICE PROVIDER MAKES ANY WARRANTIES OR REPRESENTATIONS AS TO THE AVAILABILITY, ACCURACY, RELIABILITY, OR COMPLETENESS OF CONTENT ON THIS SITE AND ANY SERVICE. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, WITH REGARD TO INFORMATION CONTAINED ON THIS SITE AND ANY SERVICE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

Limitation of Liability

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE, OR OUR SUBSIDIARY AND PARENT COMPANIES OR THEIR AFFILIATES, OR ANY THIRD PARTY SERVICE PROVIDER BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM (1) THE USE OF OR INABILITY TO USE THE SITE OR ANY SERVICES, (2) THE CONSEQUENCES OF ANY DECISION MADE OR ACTION OR NON-ACTION TAKEN BY YOU AS A RESULT OF YOUR USE OF THE SITE OR ANY SERVICES, AND (3) ANY OTHER MATTER RELATING TO THE CONTENT, SERVICES, OR DISTRIBUTION OF SERVICES THROUGH THIS SITE.

Links To Other Web sites

This Site will provide links to other Web sites that we think might be of interest to users ("Linked Sites"). Links to other sites are provided only as a convenience to users of this Site. When you click on one of these links, you may be interacting with a third party' Web site. We do not control the Linked Sites or their providers, and we are not responsible for the contents, services or the operation of any Linked Site. The inclusion of a link to a Linked Site does not imply our endorsement. We encourage you to read the terms of use and privacy statements of these Linked Sites as their policies may differ from those of this Site.

Protecting Your Information

We utilize reasonable security technologies to protect confidential information. However, outside of our environment, the security of this information depends in part on the security of your computer and the network it may be on, the security you use to protect your Registration Information, and the security provided by your Internet access services provider. You are responsible for ensuring that your information is adequately protected.

Entire Agreement; Choice Of Law

These Terms of Use constitute the entire agreement regarding this Site and any Services, and supersede all prior or contemporaneous communications, whether electronic, oral or written with respect to the Site or the Services. These Terms of Use are governed by and construed in accordance with the laws of New York, without giving effect to any principles of conflicts of law. If a court determines that any term or condition in these Terms of Use is illegal or unenforceable, then such term will be eliminated and the remaining terms and conditions will remain in force and effect.

Welcome

Already Signed Up?

First Time Here?