Terms and Conditions for the Use of Website

To All Users of this Website:

This website is owned and operated by the Laborers' National Health and Welfare Fund ("Fund''), primarily for the benefit of the Fund's participants, dependents and contributing employers. The website consists of various web pages, of which are publicly accessible. Use of the website is offered to you conditioned on your acceptance without modification of the terms, conditions, and disclaimers contained herein. Your use of the website constitutes your agreement to all such terms, conditions, and disclaimers.

Reservation of Rights

The Fund reserves the right to change the terms, conditions, disclaimers and notices under which this website is offered with or without notice, and without any user's consent.

Third Partv Websites

This website may contain links to other, third party websites ("Linked Sites''). The Linked Sites are not under the control of Fund and Fund is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Fund is not responsible for webcasting or any other form of transmission received from any Linked Site. Fund is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Fund of the site or any association with its operators.

No Unlawful or Prohibited Use

As a condition of your use of this website, you agree and warrant to the Fund that you will not use this website for any purpose that is unlawful or prohibited by these Terms of Use. You may not use the website in any manner which could damage, disable, overburden, or impair the website or interfere with any other party's use and enjoyment of the website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the website. In particular, you agree and warrant that you will not attempt to gain access to any private page on the website unless you are properly authorized to do so by the participant in whose name the page is maintained.

Security and Duties of Participants

Each participant agrees to keep the username and password for his or her private member page confidential and secure so that it cannot be used by any unauthorized person to gain access to the page. Each participant agrees that if he or she becomes aware that his or her username and password have been stolen, lost or obtained by an unauthorized person, or that an unauthorized person has gained access to his or her page, he or she will immediately contact the Fund's administrative office to report the problem.

You should be aware that in general information sent through the Internet is not secure. Email services that may be provided through this website generally are not encrypted and do not provide a secure and private means of communication with us.

While the Fund will take reasonable precautions to protect confidential information and provide suitable security, the Fund cannot guarantee that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception or error. Please be aware that although passwords or other security protections may be in use, the Fund reserves the right to monitor any and all transmissions, stored messages and routine backup copies of communications to ensure appropriate system usage.

Legal and Liability Disclaimers

The content on this website is provided for informational purposes only and should not be relied on. Although the information on this website may include statements on various life events and financial, legal or tax concerns, it is provided for informational purposes only, and is not intended and should not be relied upon as legal, tax or personalized advice.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE FUND WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. THE FUND AND/OR ITS SERVICE PROVIDERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE FUND WEB SITE AT ANY TIME. ADVICE RECEIVED VIA THE WEBSITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

THE FUND, ITS TRUSTEES AND/OR ITS SERVICE PROVIDERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THIS WEBSITE FOR ANY PURPOSE. ALL CONTENT, SERVICES AND FUNCTIONS ON THIS SITE, OR ANY OTHER SITE LINKED TO THIS SITE, ARE PROVIDED 'AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FUND, ITS TRUSTEES AND/OR ITS SERVICE PROVIDERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE WEBSITE, WITH THE DELAY OR INABILITY TO USE THE WEBSITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF FUND OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE WEBSITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE.

The Fund reserves the right, in its sole discretion, to terminate your access to the website and the related services or any portion thereof at any time, without notice.

To the maximum extent permitted by law, this agreement is governed by the laws of the District of Columbia, and you hereby consent to the exclusive jurisdiction and venue of courts in the District of Columbia for all disputes arising out of or relating to the use of the website. Use of the website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.

No warranty or representation is made that this website or any part or function, including without limitation any transactional function, will be available and not subject to interruption at any time.

No warranty or representation is made that any content, service, product or function, including without limitation any downloadable files, available at this website or any linked site is free of a computer virus, malware or other destructive or harmful program, software, code or device which may erase, scramble, Jock or disable any computer software, content or equipment or may prevent users from using a site or any other item of hardware or software. You should routinely scan your system and downloaded files for such disabling devices.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and the Fund as a result of this agreement or use of the website. The Fund's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of the Fund's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the website or information provided to or gathered by the Fund with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

Use of Communication Services

If now or in the future the website contains bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"J, you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
Conduct or forward surveys, contests, pyramid schemes or chain letters.
Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
Restrict or inhibit any other user from using and enjoying the Communication Services.
Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
Violate any applicable laws or regulations.

Fund has no obligation to monitor the Communication Services. However, Fund reserves the right to review materials posted to a Communication Service and remove any materials in its sole discretion. Fund reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

The Fund reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in the Fund's sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Fund does not control or endorse the content, messages or information found in any Communication Service and, therefore, the Fund specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized the Fund spokespersons, and their views do not necessarily reflect those of the Fund.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

Materials Posted bv Users

The Fund does not claim ownership of the materials you provide to Fund (including feedback and suggestions) or post, upload, input or submit to any website or its associated services (collectively "Submissions''). However, by posting, uploading, inputting, providing or submitting your Submission you are granting the Fund, its affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. Fund is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in Fund's sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

Privacy

The Fund's Privacy Statement can be found on the "News & Notices" page of this website.

Computer "Cookies"

The Fund may use encrypted or non-encrypted cookies in connection with this website. Cookies are pieces of information that a web site places in a file on your computer associated with your browser that may be used to deliver content specific to your interests and for other purposes, such as security and other account administrative functions. This information is processed passively by your browser as you surf through this website. Cookies do not cause damage to your computer systems or files. If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to automatically decline cookies, or to be given the choice of declining or accepting the transfer of a particular cookie, or cookies from a particular web site, to your computer. For example, cookies allow you to easily log into the website by remembering your email address.

Notwithstanding the preceding paragraph, the names of actual companies and products mentioned herein may be the trademarks of their respective owners. There is no intent on the Fund's part to misappropriate those names or suggest that those are trademarks owned by the Fund.

Entire Agreement

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and the Fund with respect to the website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and the Fund with respect to the website. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.