Throughout this website, "Wespath" refers to Wespath Benefits and Investments, Incorporated in Illinois including its division Wespath Investment Management and its affiliate the UMC Benefit Board Inc.
By using the site or downloading materials from the site, you agree to the Terms and Conditions of Use (“Terms and Conditions”) set forth in this notice. If you do not agree to the Terms and Conditions, do not use the site or download materials from the site.
Subject to your agreement to the Terms and Conditions of Use (“Terms and Conditions”), Wespath 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. Wespath authorizes you to view and download the information (Materials) at this website (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 Wespath or its content suppliers. Wespath and all related marks, designs and slogans are Wespath’s trademarks. You may not use such marks without prior written permission from Wespath. 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 Wespath, (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 Wespath, or (5) assign the license for the Service.
Uses of Site
You agree that any confirmation, account transfer or other information delivered through the site, by "clicking" on the designated spaces in or relating to such document shall be deemed to be "in writing’ and to be "signed" and delivered for all purposes by client/participant. Any record of such transaction or confirmation (including, without limitation, electronic records) shall be deemed to be "in writing." You further agree that you shall not contest the legally binding nature, validity or enforceability of any transaction, document, or confirmation based on the fact that it has been executed by "clicking" on the designated spaces and expressly waives any and all rights it may have in asserting such claim.
Third Party Sites
As a convenience to you, Wespath may provide, on this Site, links to non-Wespath websites operated by other entities. Because Wespath has no control over such sites and resources, you acknowledge and agree that Wespath 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 Wespath 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
Wespath 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 Wespath nor be such as to damage or dilute the goodwill associated with the name and trademarks of Wespath. Wespath reserves the right to revoke this consent to link at any time in its sole discretion.
Information Provided By You
THE MATERIALS MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. WESPATH 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. WESPATH RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE SITE. WESPATH 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.
Limitations of Damages
IN NO EVENT SHALL WESPATH OR ANY OF ITS SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, 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 WESPATH IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
You agree to indemnify and hold harmless Wespath 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 the Terms and Conditions or your use of the Site or any services or information obtained from this Site.
Wespath reserves the right, at its sole discretion, to change, modify, add or remove any portion of the Terms and Conditions in whole or in part, at any time due to additional or improved functionality, changes in the law, or the changing nature of technology. Changes in the Terms and Conditions will be effective when notice of such change is posted. Your continued use of the Site after any changes to the Terms and Conditions are posted will be considered acceptance of those changes.
Wespath may terminate, change, suspend or discontinue any aspect of the Wespath Site, including the availability of any features of the Site, at any time. Wespath may also impose limits on certain features and services or restrict your access to parts or all of the Site without notice or liability. Wespath may terminate the authorization, rights and license given above and, upon such termination, you shall immediately destroy all Materials.
The Terms and Conditions 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 and Conditions to be unenforceable, the remainder to the Terms and Conditions will continue in full force and effect.
The Terms and Conditions 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 and Conditions will be effective only if in writing and signed by Wespath.
Because of the global nature of the Internet, you agree to comply with all local rules with respect to your account and your online conduct, including all laws, rules, codes and regulations of the country in which you reside and the country from which you access this site, including without limitation, all laws, rules, codes, regulations, decrees, acts, orders, directives, legislation, bills and statutes pertaining to tax, contracts, intellectual property, securities e-commerce, banking, technology, computers, fraud and privacy. In addition, you agree to comply with all applicable laws, rules, codes and regulations regarding the transmission of technical data exported from the United States.
Your Conduct on This Website
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.
Wespath takes appropriate measures to protect the confidentiality and security of information while it is stored on our system. We employ multiple layers of security and continually monitor industry best practices. We utilize a variety of security tools to keep your information safe—from requiring a user ID and password when you log in to encrypting your online transactions—and only release information with proper authorization.
Please review our Online Safety Tips.
What Wespath Does about Children Visiting This Website
We will not knowingly collect information from Site visitors under the age of 13.
The Terms and Conditions are effective as of 7/16/2016.
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.