UFCW Local 655 Welfare Fund WEB SITE TERMS OF USE

Welcome to the Web site (also referred to hereinafter as the "site") for UFCW Local 655 Welfare Fund. Please read these terms of use carefully. By accessing and using this site, you acknowledge that you have read, understand and agree to be bound by all of the terms and conditions set forth below. We reserve the right to amend the terms of use from time to time by posting the amended terms of this site. You should check the terms of use frequently for any such changes, but in any case, your continued access or use of the site shall constitute acceptance of any modification of the terms of use. Site Restricted to Registered Participants, Dependent Spouses Only

This site is made available by UFCW Local 655 Welfare Fund solely for use by benefit plan participants and their dependent spouses or partners. In order to use this Site, you must complete our online registration process, which includes verification of your identity and benefit plan status. If you are the dependent of a participant, but you are not the spouse, you are not eligible to access and use this site. However, you may continue to receive services from UFCW Local 655 Welfare Fund in person, by telephone, and through the mail. Protecting Your Account ID and Password

Your login name and password for this site are unique to you, and should not be shared with any other person. We highly recommend choosing a password that is unique and not used by you as a password for any other Web sites. Always be sure to log out of this site and close the Web browser window at the end of each session. These safety practices are particularly important if you access the site from a public computer terminal.

UFCW Local 655 Welfare Fund cannot and does not guarantee that this site will be totally secure. You are responsible for maintaining the confidentiality of your account and password, and you agree to accept responsibility for all activities that occur under your account or password. Please contact an UFCW Local 655 Welfare Fund representative immediately if you become aware of any unauthorized use of your login name and password or other unauthorized access to this site.

Use by Plan Participants and Spouses

After registering for this Web site, you may use this site to review general information about UFCW Local 655 Welfare Fund, your schedule of benefits, and medical, dental, and vision care claim information. Over time, we may add new features and functionality through this site. Access to and use of these new features and functionality will remain subject to your agreement to these terms of use, as may be amended from time to time, and your compliance with any other instructions or guidelines posted on the site.

Privacy Policy

Any personal information submitted by you on this site is maintained in accordance with our Privacy Policy and applicable federal and state laws and regulations. Please carefully review our policy.

Limited License

1. Reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, any portion of the site, use of the site, or access to the site;
2. Impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity;
3. Forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted on the site;
4. Make available any content that you do not have a right to make available under any law or under contractual or fiduciary relationships;
5. Make available any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
6. Make available any content that is unlawful, harmful, threatening, tortuous, defamatory, obscene, invasive of another's privacy, or otherwise objectionable;
7. Make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;
8. Make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
9. Interfere with or disrupt the site or servers or networks connected to the site, or disobey any requirements, procedures, policies or regulations of networks connected to the site;
10. Intercept, collect or store personal data about other visitors to the Site; or
11. Violate any applicable local, state, national or international laws or regulations.

Termination of Access and Use

Your right to access and use this site will terminate automatically when you cease to be an eligible plan participant or dependent. In addition, we reserve the right to terminate your access to and use of this site at any time, and without any prior notice to you, if you violate any provision of these terms of use, or use the site in a manner for which it is not intended to be used. You further agree to indemnify, defend and hold UFCW Local 655 Welfare Fund, and its directors, trustees, officers, agents and affiliates, harmless from and against any and all claims, demands, damages, losses and expenses of any kind, including attorneys' fees and costs, arising out of or related to your use or misuse of this site, your violation of these terms of use, or your violation of any rights of another person or entity.

Our Rights in the Site

UFCW Local 655 Welfare Fund and its licensors reserve all right, title and interest in and to this site and all materials, information, and compilations of information available on or through the site, as well as the domain name, design, layout, graphics, programming code and "look and feel" of the site, the trademarks, service marks, and trade dress related thereto, and all other intellectual property and other proprietary rights embodied therein and appurtenant thereto. You agree that you will have no rights in or to any of the foregoing, express or implied, other than the rights expressly granted in these terms of use.

Links to Third Party Sites

Certain links on this site lead to Web sites maintained by individuals or organizations over which UFCW Local 655 Welfare Fund has no control. No representations or warranties are made regarding the accuracy, timeliness, availability, or any other aspect of produces, services or information located on or available through such third party Web sites. These links are for the convenience of visitors to the site only, and the inclusion of such links does not necessarily imply an affiliation, sponsorship or endorsement. You should review the privacy policies of third party Web sites carefully before providing any information to such sites. UFCW Local 655 Welfare Fund shall not be responsible or liable for any products, services or information available on or through any third party Web site

NO MEDICAL OR OTHER ADVICE

The information made available on this site represents general information only, and, and should not be interpreted as providing medical, legal, tax, financial, or other advice. Before acting on any of the information found on this site, you should consult with a qualified healthcare professional or other professional advisor familiar with your personal situation for specific advice.

NO GUARANTEES OF COMPLETENESS OR ACCURACY

UFCW Local 655 Welfare Fund makes no promises or guarantees as to the completeness or accuracy of any of the information made available on this site. In some instances, the information may be estimated or summary in nature. Furthermore, despite our efforts, errors can occur that may result in incomplete or inaccurate information.

Disclaimer of Representations and Warranties

This site is provided on an "as is" and "as available" basis. UFCW Local 655 Welfare Fund makes no representations or warranties of any kind, whether express, implied, or statutory, regarding your access to or use of this site, or the products, services, or information described in or available through this site, or that any information, software or other material downloaded from this site will be uninterrupted, error-free or free of viruses or other harmful components. Without limiting the foregoing, UFCW Local 655 Welfare Fund hereby disclaims any and all warranties of accuracy, completeness, timeliness, merchant ability, fitness for a particular purpose, title, and non-infringement of third-party rights.

Limitations of Liability

In no event will UFCW Local 655 Welfare Fund or its directors, officers, employees, agents, or affiliates be liable to you or anyone else for any indirect, consequential, special, incidental, exemplary, punitive, or similar damages (including loss of use, loss of profits, or loss of data) arising out of or related to the site or your use of the site, or for any decision made or action taken by you in reliance on the information provided on or available through this site, regardless of the form of action, whether in contract, tort, or otherwise, even if advised of the possibility of such damages.

To the maximum extent permitted by applicable law, UFCW Local 655 Welfare Fund total cumulative liability to you for all claims or suits arising from or related to this site, regardless of the form of action, shall in no event exceed the greater of the amounts paid by you to UFCW Local 655 Welfare Fund for use of this site in the twelve (12) months preceding the first such claim or one hundred dollars ($100), even if advised of the possibility of such damages. The existence of more than one claim or suit will not expand this limitation.

Governing Law; Jurisdiction

These terms of use and the relationship between you and us relating to your use of the site shall be governed by and interpreted in accordance with the laws of the State of Missouri, without regard to any conflict of laws principles that would require the application of the laws of a different jurisdiction. You agree to submit to the personal jurisdiction of the state and federal courts located within St. Louis County, Missouri for any dispute, claim or action arising out of or related to your use of this site or these terms of use, and hereby waive any objections to the jurisdiction and venue of such courts.

Assignments

You may not assign or delegate any right or duty under these terms of use or related to this site without the prior written consent of an authorized officer of UFCW Local 655 Welfare Fund. Any attempted assignment or delegation without such consent will be null and void from the beginning and without further effect. We may assign any right or duty under these terms of use or related to the site with or without notice to you. Subject to the foregoing, these terms of use will be binding on and will inure to the benefit of you and us, and each of our respective representatives, heirs, administrators, successors and permitted assigns.

Changes to These Terms of Use

We reserve the right to amend these terms of use from time to time by posting the amended terms on this site. We will notify you of these changes by updating the "Effective Date" for these terms of use, or by posting a notice on our site that the terms of use have been changed. However, it remains your responsibility to review the terms of use, and your continued use of the site after we have amended the terms of use shall signify your acceptance of the amended terms. These terms of use may be modified by you only by obtaining the prior written consent of an authorized representative of UFCW Local 655 Welfare Fund.

Waiver

No duty or breach of these terms of use may be waived by any act, omission or knowledge by us, except by an instrument in writing expressly waiving the duty or breach and signed by an authorized representative of UFCW Local 655 Welfare Fund. Any waiver (express or implied) by us of any duty or breach will not constitute a waiver of any other or subsequent duty or breach.

Contacting Us

If you have questions about the Terms of Use for this site, or any other questions concerning the site, please contact:

UFCW Local 655 Welfare Fund
13537 Barrett Parkway Drive, Suite 100
Manchester, MO 63021
Phone: 1-866-565-2700 or 314-835-2700 (local)

Entire Agreement

These terms of use constitute the entire agreement between you and us with regard to your access to and use of this site, and supersede all prior and contemporaneous negotiations, statements and agreements, whether written or oral, relating to the subject matter hereof. In the event any provision of these terms of use is held to be invalid or unenforceable, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent permitted under applicable law, and the remaining provisions will continue in full force and effect.