This Website (the "Site"), and any tools and/or services that are offered and/or provided by us through this Site (collectively, the "Services"), are provided to you conditioned upon your acceptance of these Terms of Use. By using this Site or any Services, you agree to these Terms of Use. If you do not agree to these Terms of Use, you may not use this Site or any 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 in a manner
consistent with these Terms of Use and other instructions posted on
the Site. Unauthorized use of the Site, including but not limited
to unauthorized entry or attempted entry into our systems, misuse
of passwords, misuse of any information posted to the Site, or illegal
conduct is strictly prohibited. We reserve the right to prohibit access
to anyone we determine is violating these Terms of Use.
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. You
consent and authorize us to delegate the authorizations you provide
to the Third Party Service Provider(s) as we deem necessary or desirable
to provide the Services.
Copyrights and Trademarks
This Site and the Services may contain copyrighted works, trademarks
and other proprietary material. If no restrictions are displayed,
you may download, view and copy the information available from this
Site 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 pages copied. Except as stated
above, you may not 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 Employee Benefit, Investment or Medical Advice
The content and tools which are available on the Site are for information
and education purposes only. The Site may also make available information
relating to investment approaches and general investment guidance,
or provide general medical information. The information and tools
available to you on the Site are not providing legal, tax, investment,
financial, medical or other advice. YOU SHOULD CONSULT AN APPROPRIATE
PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION. 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 any employee benefit or
investment decisions that you make based upon your evaluation of the
information and use of 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 Websites
This Site may provide links to other Websites 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's Website. 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 the Commonwealth of Pennsylvania, 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.