Terms of Use Agreement

Website Purpose

The Website provides the following service: the Philadelphia Federation of Teachers Health and Welfare Fund was established to provide members and their qualified beneficiaries with collectively bargained benefits, including prescription, dental, vision, long term disability, professional development and retirement counseling. This website describes all the benefits that are available to you as a Participant in the Fund, and the conditions under which the benefits are available. We also allow members to pay their premiums online ("Company Services").

Age Restrictions

All users who are minors in the jurisdiction in which they reside (generally under the age of 18) are not permitted to register for the Website or use the Company Services.

PURCHASES; PAYMENT

Company bills you for purchases of products and/or services. You agree to pay Company all charges at the prices then in effect for the products you or other persons using your billing account may purchase, and you authorize Company to charge your chosen payment provider for any such purchases.

You agree to make payment using that selected payment method without requiring your prior approval from you for each recurring charge until such time as you cancel the applicable product or service. Sales tax will be added to the sales price of purchases as deemed required by Company. Company may change prices at any time. All payments shall be in U.S. dollars.

REFUND POLICY

Refunds shall be issued on a case by case basis.

USER REPRESENTATIONS

Regarding Your Registration

By using the Company Services, you represent and warrant that:

• all information you submit is truthful and accurate;
• you will maintain the accuracy of such information;
• you will keep your password confidential and will be responsible for all use of your password and account if password is required;
• you are not a minor in the jurisdiction in which you reside, or if a minor, you have received parental permission to use this Website; and
• your use of the Company Services does not violate any applicable law or regulation.

PROHIBITED ACTIVITIES

You may not access or use the Website for any other purpose other than that for which Company makes it available. The Website may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by Company.

INTELLECTUAL PROPERTY RIGHTS

The content on the Website ("Company Content") and the trademarks, service marks and logos contained therein ("Marks") are owned by or licensed to Company, and are subject to copyright and other intellectual property rights under United States and foreign laws and international conventions.

Company Content on the Website is provided to you "AS IS" for your information and personal use only and may not be used, copied, reproduced, aggregated, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes whatsoever without the prior written consent of the respective owners.

SITE MANAGEMENT

Company reserves the right but does not have the obligation to:

• monitor the Website for violations of this Agreement;
• take appropriate legal action against anyone who, in Company's sole discretion, violates this Agreement;
• refuse, restrict access to or availability of, or disable any user's contribution that may violate this Agreement;
• remove from the Website or otherwise disable all files and content that are excessive in size or burdensome to Company's systems;
• otherwise manage the Website in a manner designed to protect the rights and property of Company and others.

PRIVACY POLICY

We care about the privacy of our users. Please review the Company Privacy Policy. By using the Website or Company Services, you are consenting to have your personal data transferred to and processed in the United States. By using the Website or the Company Services, you are consenting to the terms of our Privacy Policy.

TERM AND TERMINATION

This Agreement shall remain in full force and effect while you use the Website or are otherwise a user or member of the Website, as applicable. You may terminate your use or participation at any time, for any reason, by following the instructions for terminating user accounts in your account settings, if available, or by contacting us using the contact information below.

YOU UNDERSTAND THAT CERTAIN STATES ALLOW YOU TO CANCEL THIS AGREEMENT, WITHOUT ANY PENALTY OR OBLIGATION, AT ANY TIME PRIOR TO MIDNIGHT OF COMPANY'S THIRD BUSINESS DAY FOLLOWING THE DATE OF THIS AGREEMENT. TO CANCEL, CALL A COMPANY CUSTOMER CARE REPRESENTATIVE DURING NORMAL BUSINESS HOURS USING THE CONTACT INFORMATION LISTING BELOW.

MODIFICATIONS

To Agreement

Company may modify this Agreement from time to time. Any and all changes to this Agreement will be posted on the Website and revisions will be indicated by date. You agree to be bound to any changes to this Agreement when you use the Company Services after any such modification becomes effective.

To Services

Company reserves the right at any time to modify or discontinue, temporarily or permanently, the Company Services (or any part thereof) with or without notice.

DISPUTES

With Company

All questions of law, rights, and remedies regarding any act, event or occurrence undertaken pursuant or relating to this Website or the Company Services shall be governed and construed by the laws of the Commonwealth of Pennsylvania, excluding such state's conflicts of law rules. Any legal action shall be brought solely in either the applicable federal or state courts located in or with jurisdiction over Pennsylvania.

DISCLAIMERS

LIMITATIONS OF LIABILITY

INDEMNITY

You agree to defend, indemnify and hold Company, its subsidiaries, and affiliates, and their respective officers, agents, partners and employees, harmless from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of your use of the Company Services.

ELECTRONIC CONTRACTING

Your use of the Company Services includes the ability to enter into agreements and/or to make transactions electronically. YOU ACKNOWLEDGE THAT YOUR ELECTRONIC SUBMISSIONS CONSTITUTE YOUR AGREEMENT AND INTENT TO BE BOUND BY AND TO PAY FOR SUCH AGREEMENTS AND TRANSACTIONS.

ELECTRONIC SIGNATURES

Users are allowed on Philadelphia Federation of Teachers Health and Welfare Fund website to transmit and receive valid electronic signatures in the United States under the Electronic Signatures in Global and National Commerce Act (E-Sign Act) of 2000 and the Uniform Electronic Transactions Act (UETA) of 1999 as adopted by individual states.