Authorized Use and User Conduct
Account and Passcode
When You register to be able to use this Portal, You will be issued an account, which will have a user name and passcode. You are responsible for maintaining the confidentiality of Your user name and passcode. You are solely responsible for all transactions, communications and acts or omissions that occur through the use of Your user name and passcode by You or any person or entity using a passcode provided to You, whether or not such access or use has been authorized by You. You agree to ensure that You exit from your account at the end of each session. It is Your sole responsibility to control the dissemination and use of Your passcode and access to and use of Your account. We will not be responsible or liable for any loss or damage arising from Your failure to comply with this provision. If You believe that someone has accessed Your account on this Portal without Your authorization, You should immediately contact Us using the Contact Us feature on this Portal or by telephone.
Third Party Service Providers
We may 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 from time to time and at any time with or without notice to You. You consent and authorize us to delegate the authorizations you provide to us to Third Party Service Provider(s) as we deem necessary or desirable to provide the Services.
Copyrights and Trademarks
This Portal and the Services contain copyrighted works, trademarks and other proprietary material owned by us or Third Party Service Providers. We and our suppliers own all rights, title and interest in and to this Portal, all the content, data and materials thereon (with the exception of your personal and account information), the look and feel, design and organization of this Portal and the compilation of the content, data and materials on this Portal, including, but not limited to, any copyrights, trademark rights, patent rights and other intellectual property and proprietary rights therein. If no restrictions are displayed, You may download, view and copy the information available from this Portal for non-commercial personal or educational purposes only, provided that each copy includes the copyright, trademark or service mark notices or attributions as they appear on the screens copied. Except as stated above, You may not copy, reproduce, modify, create derivative works, publish, transmit, display, sublicense or distribute material or images from this Portal without our express written permission or that of the Third Party Service Provider, as applicable. Any commercial distribution, publishing or exploitation of this Portal or the materials on this Portal is strictly prohibited.
No Employee Benefit or Investment Advice
The content and tools that are available on this Portal are for information and education purposes. This Portal may also make available information relating to investment approaches and general investment guidance. The information and tools available to You on this Portal are not providing legal, tax, investment, financial or other advice. The economic modeling and forecasting features offered on this Portal are for illustrative purposes only and are not necessarily indicative of future results. The projections resulting from these features are based in part on estimates and assumptions that may or may not come true. There can be no guarantee that Your funds or accounts will achieve the results projected. YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION. Nothing contained in this Portal or any Service constitutes a solicitation, recommendation, endorsement or offer to buy or sell any securities or other financial instruments. You are solely responsible for any employee benefit or investment decisions that You make based upon Your evaluation of the information and use of the Services on this Portal. oWe will not have any responsibility or liability to You based upon Your use of this Portal or any Services, including, without limitation, any decisions that You make utilizing this Portal or Services.
Not an Insurer
This Portal may also provide to You information relating to various insurance policies or coverages You may be able to choose. Any information regarding insurance policies or coverages on this Portal does not constitute, nor shall they it considered to be, insurance advice. We are merely providing the Services to You through this Portal and is not an insurer, nor is it providing any advice or guidance regarding any insurance policies or coverages. You specifically acknowledge that we are not an insurer and shall not be considered or deemed to be an insurer. YOU SHOULD CONSULT AN APPROPRIATE INSURANCE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION. Nothing contained in this Portal or any Service constitutes a solicitation, recommendation, endorsement or offer to sell, secure or place any insurance policies or coverages. You are solely responsible for any insurance decisions that You make based upon Your evaluation of the information and use of the Services on this Portal.
ALTHOUGH WE USE REASONABLE EFFORTS TO PROVIDE ACCURATE AND UP-TO-DATE INFORMATION THROUGH THIS PORTAL, NEITHER WE NOR ANY THIRD PARTY SERVICE PROVIDER MAKES ANY WARRANTIES OR REPRESENTATIONS AS TO THE AVAILABILITY, ACCURACY, RELIABILITY, UPTIME OR UNINTERRUPTED ACCESS OR COMPLETENESS OF CONTENT ON THIS PORTAL AND ANY SERVICE. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, ORAL, WRITTEN OR ELECTRONIC, STATUTORY OR OTHERWISE, WITH REGARD TO INFORMATION CONTAINED ON THIS PORTAL 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 RESPECTIVE AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES OR AGENTS, OR ANY THIRD PARTY SERVICE PROVIDERS (COLLECTIVELY, THE “PROTECTED ENTITIES”) BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES THAT RESULT IN ANY MANNER DIRECTLY OR INDIRECTLY FROM (1) THE USE OF OR INABILITY TO USE THIS PORTAL OR ANY SERVICES, CONTENT, MATERIALS OR FUNCTIONS RELATED THERETO, (2) THE CONSEQUENCES OF ANY DECISION MADE OR ACTION OR NON-ACTION TAKEN BY YOU AS A RESULT OF YOUR USE OF THIS PORTAL OR ANY SERVICES, OR (3) ANY OTHER MATTER RELATING TO THE CONTENT, SERVICES OR DISTRIBUTION OF SERVICES THROUGH THIS PORTAL. IN THE EVENT THAT YOU SUFFER DAMAGES ARISING FROM YOUR USE OF THIS PORTAL OR ANY SERVICES, YOU MAY SEEK RECOURSE THROUGH YOUR EMPLOYER OR BENEFIT PLAN.
Links to Other Web Sites
Protecting Your Information
We utilize reasonable security technologies to protect Your confidential information. However, the security of this information depends on, among other things, the security of Your computer and the network it may be on, the security You use to protect Your confidential information, the security provided by Your Internet access services provider, the security of the means of transmission of data through the Internet and, more generally, on the effectiveness of the security technologies that are used to protect Your confidential information. Although We take reasonable security precautions regarding information transmitted to and stored on this Portal, due to the open nature of the Internet, We cannot guarantee that any information stored on ourservers, or transmitted to or from a User, will be free from unauthorized access, and We disclaim any liability for any theft or loss of, unauthorized access or damage to, or interception of any data or communications. By using this Portal, You acknowledge that You understand and agree to assume these risks.
If You contact us by e-mail, You should be aware that e-mail transmission might not be secure. A third party could view information You send by e-mail in transit. We will have no liability for disclosure of Your information due to errors or unauthorized acts of third parties during transmission.
If You are requested to send Us any sensitive personal information, such as Your username or passcode, in an e-mail, on this Portal or otherwise, and You are uncertain whether such request is authorized by Us, please do not hesitate to contact Us.
In the unlikely event that we believe that the security of Your personal information in its possession or control may have been compromised, We may seek to notify You of that development. If a notification is appropriate, We will endeavor to do so as promptly as possible under the circumstances, and, to the extent we have Your e-mail address, We may notify You by e-mail. You consent to our use of e-mail as a means of such notification.
Modifications to this Portal and the Services
We may terminate, change, suspend or discontinue any aspect of this Portal or any Services, including, but not limited to, content, features or hours of availability. We may also impose limits on certain features of this Portal or any Services or restrict Your access to a portion or all of this Portal or the Services without notice.
We (which term, including its derivatives, encompasses any third party service providers we retain unless otherwise stated below) provide certain employee benefits information and services through this portal (this “Portal”) and any tools and/or services offered and/or provided through it (collectively, the “Services”). In connection with the Services, we make this Portal available to employees and others entitled to company benefits (individually “You,” “Your,” or the “User”). We take the issue of privacy very seriously. Visitors to this Portal can be assured that information shared on this Portal will receive the security, privacy and confidentiality that would be expected from a company providing these administration services.
How information is collected
In general: Unless You provide personally identifiable information to Us voluntarily, the information is provided by Your employer, or the information is collected by means of “cookies” in the manner described in this Privacy Statement, we do not collect information about You in connection with Your use of this Portal. The personally identifiable information that We may have, and which enables Us to provide the Services to You, includes, for example, Your name and contact information, financial account information and transactional activity, and other employee benefit information and activity.
How information collected is used
We respect your right to privacy. Any sensitive or confidential information You provide to Us via this Portal remains confidential. We have also implemented security measures to protect against the loss, misuse or alteration of information stored in our systems. We will only use the information collected from You to address Your specific inquiries or requests and to provide to You better customer service. The information collected also is used to provide a record of communications between us and You and to comply with any applicable legal and/or regulatory requirements. In certain circumstances, the information You provide may also be available to Your employer or plan administrator to the extent required for benefits administration.
Other access to information
Affiliates and service providers:
Other subsidiaries or affiliates of ourselves or our parent, as well as non-affiliated service providers that assist us in meeting the needs of its customers, may under certain circumstances receive personal information received from Your employer or collected from You as a user of this Portal. Such information is disclosed only to respond to Your inquiries or requests, and to provide You with information about other financial products and services offered. Personal information will be treated by these entities with the same standards of privacy and confidentiality that we use.
Other Third parties:
We do not transmit any personal information collected through this Portal to any third-party marketers.
From time to time, we may be required to provide personal information in response to a court order, subpoena, government investigation or as otherwise required by law. We also reserve the right to report to law enforcement agencies any activities that We, in good faith, believe to be unlawful. We may disclose Your personal information to government authorities at its discretion. We may release certain personal information when We believe that such release is reasonably necessary to protect the rights, property and safety of others or ourselves.
In the event that we,or substantially all of our assets are acquired by one or more third parties as a result of a merger, sale, consolidation or liquidation, Your personal information may be incorporated into the transferred assets.
Third party web sites
The keys to accessing your information
Below we have provided a summary of the minimum system requirements you will need to access your on-line information. If you need to update your browser, we have provided convenient links to download this information.
Important: For security reasons, if you leave this website inactive or visit another web site for 15 minutes, you will be automatically logged off. At that time, any information entered into this system but not yet "saved" will not be retained, and your information will remain unchanged
The recommended browser versions for this website are:
Links to download these browsers are provided below.
To protect your confidentiality, this website uses 128-bit Strong Encryption (SSL 3.0). Both Firefox and Internet Explorer browsers (US/Canada versions) support this security level. Note that you must opt for the security feature at the time you download and install your browser. The following links take you to the download web sites. Remember to select "128-bit Strong Encryption (SSL 3.0)" when prompted.
For additional protection, none of the pages displaying information is cached by the browser. This insures that the "Back" button cannot be used to view previously-displayed pages. To navigate through the website, please use the buttons, links and menus supplied directly on the screens.