Terms Of Use

Please Read Our Terms Of Use
Thanks for visiting our site - we're glad you're here! Before you can access this section of our site, please take a few minutes to read and agree to the following Electronic Services Agreement ("Agreement"). You're simply reviewing important disclosures related to the content and services made available by Gateway Pension Services, Ltd. (“Gateway”). By clicking Accept, you'll be consenting to the electronic delivery of such content and services.

When you click Accept, you're confirming your understanding, acceptance and receipt of this Agreement and other disclosure on our site. For our files, we'll be creating an electronic record of your acceptance of this Agreement. Here's the Agreement.

CONDITIONS OF USE

This portion of our website is made available as a service only to our clients. This portion of our website is only accessible through use of a Password and User ID. Through it, we give you access to important information concerning plan forms and other materials. This website is for informational purposes only, and is not meant for transactional purposes. Because Gateway maintains important personal information about customers and provides such information to its customers through this portion of the website, Gateway provides these separate Conditions of Use for activities occurring on this portion of the website. By using this portion of the site, you indicate your agreement to the following Conditions of Use without any limitation or qualification. Please read these conditions carefully before using this site. Gateway may at any time revise these terms and conditions, it is your responsibility to read this content on a regular basis to check for changes and assure you understand our terms and conditions. By accepting this Agreement and using this portion of our website, you acknowledge that you have received and reviewed the contract, agreement or policy governing the product(s) purchased (or, in the case of plan participants, the plan informational materials that are furnished to participants) and have accepted and agree to be bound by the terms of any such documents.

USE OF PASSWORD WITH USER ID

A User ID and Password have been provided for you. After you log on for the first time, you will be able to change your Password. You are responsible for the confidentiality and use of your Password, which should be kept confidential by you at all times. Each time you log on thereafter, you will be asked to enter your User ID and Password. By your use of the User ID and Password, you acknowledge that such use (1) identifies you as an authorized user to us and (2) authenticates any request for information or directions that are given to us just as if we had received your signature or other proof of your identity. Further, you understand that the nature of the information you are requesting is personal and confidential and agree that if we furnish it to you via this website, as you request, we shall be fulfilling our obligations to you of confidentiality and non-disclosure of personal information to others. You are responsible for notifying Gateway if you have reason to believe that the security of your Password has been or may be compromised.

USE OF EMAIL

You may contact us through this website by using the "Contact Us" screen. However, when we use email to respond to you, our e-mail response will not be encrypted. Therefore, it may be possible for other people to see what we are sending to you, including the possibility of personal and confidential information contained in the response. If you prefer to avoid the possibility of an e-mail response being viewed by others, you will need to furnish us with your current street address, in which case we will mail a written response to you at your address, as maintained in our records. In such circumstances, please make your request for a mailed response in the e-mail you send to us requesting the information.

PRIVACY AND CONFIDENTIALITY

Gateway shall exercise reasonable precautions to maintain the confidentiality of information provided by you in connection with accessing this site. The type of information that you may request through this website may be highly personal and confidential; therefore, for this website, we have taken steps to use the reasonable levels of security provided by the latest versions of the most commonly used browsers. However, because our responses to your requests are not encrypted, no assurance can be given to you that this information will remain secure during the period it is transmitted through the Internet. If you prefer to avoid the possibility of an e-mail response being viewed by others, please follow the directions set forth in the section above entitled, "USE OF E-MAIL".

Gateway may, at times, disclose such information to its employees, representatives, officers, agents or affiliates, as well as any government entity, in the conduct of its business, in order to comply with applicable rules, orders, subpoenas or other legal processes, or in order to provide information to any government agency or official requesting such information, or for any other legitimate business purpose.

We may use non-identifying and aggregate information to improve the design and functioning of our website. For example, we collect information about the version of browsers that lead users to our site. We also track information about the number of electronic visits to our site. These aggregate statistics are used internally to help us provide effective service and may be provided to others, but the statistics contain no personal information and cannot be used to gather any such information. We also collect aggregate statistics about the types of information requested and directions given to us by users of this site. Further, Gateway uses e-mail addresses to answer the e-mail that it receives. Such addresses are not used for any other purposes and are not shared with third parties.

In order to respond to information requests and fulfill directions given to us, this portion of our site collects personally identifiable information about users that is intentionally provided to us by a user. Such personally identifiable information is not used for other purposes

JURISDICTIONAL ISSUES

Gateway operates this site from its offices within the United State of America. Gateway does not represent that the information in this site is appropriate or available for use in other locations, and access from certain locations may be strictly prohibited. Those who access this site do so on their own initiative and are responsible for compliance with all applicable local laws. The laws of the State of Missouri will govern any claims relating to the information contained in this site.

DISCLAIMER

THE MATERIALS PRESENTED IN THIS PORTION OF THE WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Gateway does not warrant that the functions necessary to access these materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. GATEWAY DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. You (not Gateway) assume the entire cost of all necessary servicing, repair, or correction. Links to other sites can be accessed through this site. Such external Internet addresses contain information created, published, maintained or otherwise posted by organizations independent and not under control of Gateway. Gateway does not endorse, approve or certify any information, product or service referenced or provided at such addresses. The material on this website is provided for informational purposes only and it is not intended and should not be construed as legal, tax or other professional advice. It is not a substitute for obtaining legal, tax or other professional advice from a competent, independent adviser in your jurisdiction

LIMITATION OF LIABILITY

While Gateway uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions may occur. UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE BY ACT OR OMISSION, SHALL GATEWAY OR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS WEBSITE OR THE INFORMATION YOU REQUEST ABOUT YOUR PLAN THROUGH THIS WEBSITE BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS ON THIS WEBSITE OR THE REQUESTED INFORMATION PROVIDED TO YOU THROUGH THIS WEBSITE, EVEN IF GATEWAY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. Gateway assumes no responsibility and shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video, or audio from this website.

RESTRICTIONS ON USE OF MATERIALS

This site is owned and operated by Gateway. Permission is granted to access and navigate around this website with a computer using HTML browser software. Any unauthorized use of this website or any portion hereof is strictly prohibited. Except as otherwise permitted by Gateway, no materials from this website or any other website owned, operated, licensed or controlled by Gateway or any Gateway affiliate may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for non-commercial, personal use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, adapt or create derivative works, retransmit, reuse, re-post, or use the content of this website for public or commercial purposes, including the text, images, audio, and video, without Gateway's written permission. Gateway neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with Gateway.

TRADEMARKS/SERVICE MARKS AND COPYRIGHTS

Images displayed on this website are either the property of, or used with permission by, Gateway. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. Your use of the trademarks or service marks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.

MODIFICATIONS TO CONDITIONS AND THE WEBSITE

Gateway may at any time with or without notice exercise its right to make modifications and corrections to these conditions. See "CONDITIONS OF USE." Gateway may modify, suspend or discontinue its activities at this website at any time.

TERMINATION

If you are dissatisfied with any portion of the site, or with any conditions of use contained herein, your sole remedy is to discontinue use of this site.