Terms and Conditions of Use

This Web site is provided by the General Board of Pension and Health Benefits (General Board) and may be used for informational purposes only. By using the site or downloading materials from the site, you agree to abide by the terms and conditions set forth in this notice. If you do not agree to abide by these terms and conditions, do not use the site or download materials from the site.

Limited License

Subject to the terms and conditions set forth in this Agreement, the General Board grants you a non-exclusive, non-transferable, limited right to access, use and display this site and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the site in any way. The General Board authorizes you to view and download the information (Materials) at this Web site (Site) only for your personal, non-commercial use.

The Site and its content and images, as well as all copyright, trademark, trade dress, and other rights in the content herein, are owned by the General Board. The General Board and all related marks, designs and slogans are the General Board’s trademarks. You may not use such marks without prior written permission from the General Board. All other names, brands and marks are used for identification purposes only and may be trademarks or registered trademarks of their respective owners.

You may not: (1) modify the Site, (2) publish, display, disclose, rent, lease, modify, loan, distribute, or create derivative works based on the Site or its Documentation or any part thereof without the express written permission of the General Board, (3) remove, obliterate, or cancel from view any copyright, trademark, confidentiality or other proprietary notice, mark or legend appearing on the Site, (4) reverse engineer, decompile, translate, adapt or dissemble the Site, nor shall you attempt to create the source code from the object code for the site without the express written permission of the General Board, or (5) assign the license for the Service.

Disclaimer

THE MATERIALS MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. THE GENERAL BOARD DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE MATERIALS OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK. THE GENERAL BOARD RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE SITE. THE GENERAL BOARD MAY MAKE ANY OTHER CHANGES TO THE SITE, THE MATERIALS AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THE SITE AT ANY TIME WITHOUT NOTICE.

THIS SITE, THE INFORMATION AND MATERIALS ON THE SITE, AND THE SOFTWARE MADE AVAILABLE ON THE SITE, ARE PROVIDED "AS IS" WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, OR FITNESS FOR ANY PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

Third Party Sites

As a convenience to you, the General Board may provide, on this Site, links to non-General Board Web sites operated by other entities. Because the General Board has no control over such sites and resources, you acknowledge and agree that the General Board is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that the General Board shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

External Links to the Site

The General Board consents to links in which the appearance, position, and other aspects of the link neither create the false appearance that an entity or its activities or products are associated with or sponsored by the General Board nor be such as to damage or dilute the goodwill associated with the name and trademarks of the General Board. The General Board reserves the right to revoke this consent to link at any time in its sole discretion.

Information Provided By You

Any personally identifiable information you may provide to the General Board via this Site is protected by the Privacy Policy associated with this Site. The General Board does not collect any personally identifiable information via the Site other than that used to fulfill user requests for communication or materials. You agree that any information or materials that you or individuals acting on your behalf provide to the General Board will not be considered confidential or proprietary. You further recognize that the General Board does not want you to, and you warrant that you shall not, provide any information or materials to General Board that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.

Limitations of Damages

IN NO EVENT SHALL THE GENERAL BOARD OR ANY OF ITS SUBSIDIARIES BE LIABLE TO ANY ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE, THE CONTENT, MATERIALS, AND FUNCTIONS OF THE SITE OR ANY LINKED WEBSITE, EVEN IF THE GENERAL BOARD IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnification

You agree to indemnify and hold harmless the General Board and its officers, directors, employees, agents, affiliates, third-party information providers, licensors and others involved in the Site from and against any and all liabilities, expenses, damages and costs, including reasonable attorney’s fees, arising from any violation by you of these Terms of Use or your use of the Site or any services or information obtained from this Site.

Changes

The General Board reserves the right, at its sole discretion, to change, modify, add or remove any portion of this Agreement in whole or in part, at any time. Changes in this Agreement will be effective when notice of such change is posted. Your continued use of the Site after any changes to this Agreement are posted will be considered acceptance of those changes.

The General Board may terminate, change, suspend or discontinue any aspect of the General Board Site, including the availability of any features of the Site, at any time. General Board may also impose limits on certain features and services or restrict your access to parts or all of the Site without notice or liability. General Board may terminate the authorization, rights and license given above and, upon such termination, you shall immediately destroy all Materials.

Legal Governance

These Terms of Service will be governed by and construed in accordance with the laws of the State of Illinois. Any action brought to enforce this agreement or matters related to the site shall be brought in either the state or federal courts of Illinois. If for any reason a court of competent jurisdiction finds any provision or portion of the Terms of Service to be unenforceable, the remainder to the Terms of Service will continue in full force and effect.

These Terms of Service constitute the entire agreement between the parties with respect to the subject matter hereof and supersedes and replace all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter. Any waiver of any provision of the Terms of Service will be effective only if in writing and signed by the General Board.

Your Conduct At This Web Site

Your use of the Site is subject to applicable local, state, and federal law. You agree not to use the Site or any of the Site Content for any illegal purpose, or to transmit to or through the Site any illegal, harmful, threatening, defamatory, obscene, or other objectionable material of any kind, or to interfere with, abuse or otherwise violate the legal rights of any third party using the Site.

What the General Board Does about Children Visiting This Web Site

We will not knowingly collect information from the Site visitors under the age of 13.

Effective Date

These Terms and Conditions of Use are effective as of 8/1/2006.

Questions About Our Terms and Conditions

If you have any questions about these Terms and Conditions, please contact us by calling 1-800-851-2201 or using our online contact form.