Legal Disclosures and Terms of Use

Disclosures and
Terms of Use
No Solicitation
General Information
Consent to do Business Electronically
Hardware, Software, & Browser Information
Secure Web Sites
Limitation of Liability Intellectual Property Links to Other Sites - Limitation of Liability
Privacy No Legal or Investment Advice; Calculators/
Third Party Applications - Modification prohibited
Termination and
Hardware and Software Recommendations Governing Law; Severability

Disclosures and Terms of Use
Please read these terms and conditions carefully. By accessing this web site and any pages hereof, you are indicating that you have read, acknowledge and agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, do not access this web site. USI Advisors (“USIA”) reserves the right to change these Terms of Use, which you are responsible for regularly reviewing and your continued use of this web site constitutes agreement to all such changes. To obtain contact information for about USIA and affiliates please call 860-633-5283.

No Solicitation
None of the information contained in this web site constitutes a recommendation, solicitation or offer by USIA or its affiliates to buy or sell any securities or provide any investment advice or service. The information contained in this web site has been prepared without reference to any particular user’s investment requirements or financial situation. Prior to the execution of any transaction by you involving information you received from this web site, you should consult your business advisor, attorney and tax and accounting advisors. Pricing and other information generated through the use of data or services made available herein may not reflect actual prices or values that would be available in the market at the time provided or at the time that the user may want to purchase or sell a particular security or other instrument. The information and services provided on this web site are not provided to and may not be used by any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or regulatory or self-regulatory organization or where USIA is not authorized to provide such information or services. Some products and services described in this web site may not be available in all jurisdictions or to all clients.

General Information
USIA reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this web site and to suspend and/or deny access to this web site for scheduled or unscheduled maintenance, upgrades, improvements or corrections. The information and materials on this web site may contain typographical errors or inaccuracies. Any dated information is published as of its date only, and USIA does not undertake any obligation or responsibility to update or amend any such information. USIA may discontinue or change any service described in or offered on this web site at any time.

Consent to do Business Electronically
This system/application is the property of USIA. You may use this system/application to gain access to authorized information only. By consenting to do Business Electronically, you:

• Certify that you are the person identified by that information. If you are not that person and/or you are attempting to access someone else’s information, you are in violation of federal and/or state law and should exit this application now. Suspected violations may be reported to state and/or federal authorities;

• Certify that if you are accessing this system/application on behalf of your employer, you have the appropriate authority to conduct business electronically on behalf of your employer;

• Consent to, and acknowledge that activity through this web site may be viewed, monitored and recorded by USIA in order to help prevent and detect potential fraud or other abuse, including unauthorized access to information; and

• Have the right to withdraw the consent to review plan records by calling 860-633-5283. By making this request, you will not be able to access electronically client materials made available by USIA. If you agree to this Consent, you should keep us informed of any change in your e-mail or mailing address.

Hardware, Software, & Browser Information
For the best possible experience using the web site of USIA, we recommend you:
• Use Internet Explorer 6.0, 7.0, 8.0 or 9.0.
• Use Firefox 2.0 or 3.0.
• Use Adobe Acrobat 7.0 and above.
• Be able to receive e-mail.
• Have access to a computer and operating system that can support these functions and software, and that permits you to either save files on a storage device for later reference or is connected to a printer that will print out information displayed on your Internet browser.

Additional hardware and software recommendations are available in the “Hardware and Software Recommendations” section of these Disclosures and Terms of Use.

Secure Web Sites
Unauthorized use of USIA’s web site and systems, including, but not limited to, unauthorized entry into USIA systems, misuse of passwords or misuse of any other information, is strictly prohibited. You may not use this web site in any manner that could damage, disable, overburden, or impair any USIA site or service or interfere with any other party’s use and enjoyment of any USIA site or service. You may not attempt to gain unauthorized access to any USIA site or service, computer systems or networks connected to any USIA site or service, through hacking, password mining or any other means. You agree that you will not engage in any activities related to this web site that are contrary to applicable laws or regulations.

Limitation of Liability
The information, products and services on this web site are provided on an “AS IS,” “WHERE IS” and “WHERE AVAILABLE” basis. USIA does not warrant the information or services provided herein or your use of this web site generally, either expressly or impliedly, for any particular purpose and expressly disclaims any implied warranties, including but not limited to, warranties of title, non-infringement, merchantability or fitness for a particular purpose. USIA will not be responsible for any loss or damage that could result from interception by third parties of any information or services made available to you via this web site. Although the information provided to you on this web site is obtained or compiled from sources we believe to be reliable, USIA cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose.

Neither USIA, nor any of its affiliates, directors, officers or employees, nor any third party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this web site, or resulting from the act or omission of any other party involved in making this web site, the data contained herein or the products or services offered on this web site available to you, or from any other cause relating to your access to, inability to access, or use of the web site or these materials. In no event will USIA or any such parties be liable to you, whether in contract or tort, for any direct, special, indirect, consequential or incidental damages or any other damages of any kind. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user’s equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure.

USIA cannot and does not guarantee continuous, uninterrupted or secure access to the web site.

Intellectual Property
All right, title and interest in this web site and any content contained herein is the exclusive property of USIA, except as otherwise stated. Unless otherwise specified, this web site is for your personal and non-commercial use only and you may print, copy and download any information or portion of this web site for your personal use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products or services obtained from this web site, except for the purposes expressly provided herein, without USIA’s prior written approval. If you copy or download any information or software from this web site, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such information.

Links to Other Sites - Limitation of Liability
This web site contains links to third party web sites. These links are provided only as a convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by USIA of any information contained in any third party web site. In no event shall USIA be responsible for the information contained on that site or your use of or inability to use such site. You should also be aware that the terms and conditions of such site and the site’s privacy policy may be different from those applicable to your use of this web site.

All personal information is subject to the Privacy Policy of USIA, which may be accessed by clicking on Privacy link at the bottom of any page. The information for the accounts you have with USIA is kept secure and confidential through multiple security features and procedures. See our online privacy policies for further information:

Privacy Statement

No Legal or Investment Advice; Calculators/Calculations

While this communication may be used to promote or market a service or an idea that is discussed in the web sites of USIA, it is intended to provide general information about the subject matter covered and is provided with the understanding that USIA is not rendering legal, accounting, or tax advice. It is not a marketed opinion and may not be used to avoid penalties under the Internal Revenue Code. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements.

Retirement and/or financial calculators/calculations that may be provided within this web site are provided solely for you to estimate hypothetical future financial or retirement status. You are responsible for the accuracy of any estimates and should not rely solely on these calculators. Seek advice from qualified providers before you make any decisions.

Third Party Applications - Modification Prohibited
USIA may provide you with access to third-party applications and services through its web sites. You agree not to modify, decompile or reverse engineer any such third party applications, or any code related to such third party applications.

Termination and Blocking
You agree that USIA reserves the right to terminate and/or block your use or access of its web sites for any reason without prior notice to you.

Hardware and Software Recommendations
We recommend using a computer with a Pentium 4+, 1.8+ GHz processor, minimum 256+ MB (megabytes) of RAM (Random Access Memory), at least a 56K Internet connection speed and 40 GB hard disk storage, CD-ROM - 48X, Windows 2000, XP Operating System, Windows Vista, Microsoft Office 2000, (or higher).

Governing Law; Severability
These Terms of Use are governed by the laws of the State of Connecticut with jurisdiction and venue being in Hartford County, Connecticut. You agree that your referencing, using or accessing web sites of USIA constitutes your acceptance of the jurisdiction of state or federal courts in Hartford County, Connecticut and that legal action may be brought against, or by, you must be brought in state or federal courts in Hartford County, Connecticut. In the event any of the provisions of these Terms of Use shall be determined by a court of competent jurisdiction to be invalid, any such provision determined to be invalid shall not effect the validity of all remaining provisions.

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Privacy Statement | Legal Disclosure & Terms of Use
Investment advice provided to the Plan by USI Advisors, Inc. Under certain arrangements, securities offered to the Plan through USI Securities, Inc. Member FINRA/SIPC. 95 Glastonbury Blvd., Glastonbury, CT 06033 | 860.652.3239 USI Consulting Group is the affiliate company of both USI Advisors, Inc. and USI Securities, Inc.