By clicking "I accept", you are consenting to Voya's Terms of Use for purposes of accessing the Personal Financial Dashboard, which is a separate Voya service offering to you outside of your employer's retirement plan. Any information provided to you from your use of the Personal Financial Dashboard is not intended to serve, either directly or indirectly, as legal, financial or tax advice. For tax, financial or legal advice, please consult with your tax attorney, financial advisor or legal advisor.

Terms of Use

Please read all of the following terms and conditions carefully before continuing. They govern your use of the Voya Financial Internet web site, WAP or mobile application (the "Site"). By using this Site, you signify your acceptance of these Terms and Conditions of Use. Please be aware that they may be changed or updated at any time without prior notice. Changes are effective when posted on the Site. Please review them periodically for current information. By continuing to use the Site, you agree to any changes or updates. Additional legal notices, terms and conditions regarding specific companies within the Voya family of companies and their products and services, or the use of certain Sites, may be found elsewhere on the Site or on such company's own Web site, WAP or mobile application, if any. Those additional legal notices, terms and conditions apply with regard to the matters specifically addressed by them. If you do not agree to these terms and conditions, do not use this Site.

Voya Companies

The Voya family of companies comprises a broad spectrum of companies owned by Voya Financial, Inc. (such companies referred to herein collectively as "Voya"), many of them operating under their own brand names. Many Voya companies have their own sites on the Internet. Information about specific Voya companies and their products and services, and limitations and restrictions on products and services, may be found on this Site or on such company's own site. Links to other Voya company sites have been provided on this Site where available. This Site is owned and operated from offices in the United States of America, by Voya Services Company, a Delaware corporation that is a wholly-owned subsidiary of Voya Financial, Inc., with its principal place of business at 5780 Powers Ferry Road, NW, Atlanta, Georgia, on behalf of Voya companies offering insurance, securities and related financial products and services in the United States.

Aggregation of Accounts

As part of its service offering, Voya currently provides an optional account aggregation function that allows you to view, in a single location on the Site, consolidated financial information from such accounts that you maintains at various financial institutions as you may designate from time to time.

To use the account aggregate function, you understand and agree that:

• The function is not available for all types of accounts and/or for all financial institutions.
• Financial institutions may change their web sites from time to time and as a result an outside account that was available may cease to be available to the service. Neither Voya nor its technology vendors have any control over this situation and have no obligation to restore the availability of an outside account on the Site.
• You are responsible for designating the outside accounts information which you desire to aggregate.
• For each available outside account that you desire to aggregate on the Site, you must provide the necessary login credentials to access the outside account such as username and password. You will provide this information through such function and process as our technology vendors may determine from time to time.
• The account aggregation function will access the web site maintained by each third-party financial institution for each outside account designated for aggregation in order to retrieve and store the account information within the outside account.
• You grant Voya and its technology vendors authority, with respect to each outside account designated for aggregation, to (1) use the login credentials for such outside account in order to access the account information within such outside account; (2) retrieve the account information within the outside account and (3) store the account information so retrieved and display such information to you.
• For each outside account designated for aggregation, you represent and warrant that (1) you are the legal owner of the account; (2) you have the right to disclose your login credentials for such outside account; and (3) you have the right to grant the foregoing authorization.
• Neither Voya nor its technology vendors are responsible for any acts, errors, or omissions by the financial institutions at which you maintain an outside account, or for the accuracy of the information provided by such institutions.
• Voya may terminate the account aggregation function at any time without notice.

Ownership and Use of Content Copyright

All of the information and content on this Site, including but not limited to all text, graphics, images, software applications and code, video, audio, and user interface design ("Content") is the property of Voya Services Company or its affiliates, or is being used by Voya with the express permission of a licensor, and is protected by United States and foreign copyright laws and conventions. You may not modify, reproduce, copy, distribute, transmit, display, publish, download or upload, sell, license, create derivative works of or use any aspect of the Site or its Content for commercial or public purposes or for any other purpose not expressly permitted by these Terms and Conditions. The use of the Content on any other site or in a networked computer environment for any purpose, or any other republication, redistribution or use of the Content, including, without limitation, framing the Content within another site, is expressly prohibited without the prior written permission of Voya.

Trademarks, Service Marks, and Logos

The trademarks, service marks, logos, URLs and domain names, registered or not, including without limitation "Voya" ("Marks") appearing on this Site, and any other Voya company's site, are the property of Voya companies and other parties. You may not use, copy, download, display, transmit or modify any Mark in any way without the prior written consent of the owner of such Mark. You may not include the Voya name, any Mark or any variation of the foregoing, as a metatag, hidden textual element, or any other indicator that may create an impression of affiliation, sponsorship, endorsement or any other relationship between this Site, Voya or any Voya company and any other site, person, entity or organization.

Links

From time to time, Voya may provide links from this Site to a non-Voya site or permit a link from a non-Voya site to this Site. Such links are for your convenience only and do not imply any affiliation with, or an endorsement, authorization, sponsorship or promotion of the non-Voya site or its owner. Voya does not control or review any link, and accepts no responsibility for the content, products or services provided at these linked sites. If you decide to access such non-Voya sites, you do so solely at your own risk and you should be aware that non-Voya sites are governed by their own terms and conditions and privacy policies. Links to this Site may be made only with the permission of Voya. A link to this Site may be permitted in Voya’s discretion, where, without limitation, such link (a) is to this Site's homepage, (b) clearly informs users that the link is to the Voya site, (c) does not imply any affiliation, endorsement, sponsorship or other relationship between the linking site or the site owner and Voya, (d) delivers this Site's Content without framing or similar environment, and (e) maintains the integrity of this Site's layout, content and look and feel. Voya reserves the right in its sole discretion to refuse permission or to cancel permission to link to this Site at any time.

Content and Liability Disclaimer

No warranty. Our intent is to provide accurate and up to date content on this Site; however, that is not always possible. THEREFORE, 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. Some jurisdictions do not allow the exclusion of certain implied warranties in which event any required warranty applies to the minimum extent legally required.

Content is provided for informational purposes only and should not be relied on. Although the information on this Site 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. Voya does not warrant or make any representations regarding the suitability, usefulness or expected results of the Content, services, products or functions, including tools such as calculators, provided on this Site or any linked site. You should not rely solely upon this information in making any decisions, including any decision to buy a product or service from a Voya company or any other company. You should consult your financial professional and legal and/or tax advisor for advice about the appropriateness of products and services for you, and the effect of state and federal law on the products, services or issues discussed on this Site, or of federal income taxes or any other taxes on amounts held or paid out under any financial products described.

Content may contain inaccuracies or errors and may change.

No warranty or representation is made that the information on this Site is complete, accurate, up-to-date or error-free or that known defects will be corrected. Content, services, products or functions available at this Site may be changed or updated at any time without notice; but Voya has no obligation to update this Site so information may be out-of-date at any given time.

Access and Availability

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

Disabling devices: No warranty or representation is made that any Content, service, product or function, including without limitation any downloadable files, available at this Site 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, lock 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.

Third Party Content

From time to time Voya may provide information at this Site supplied by third parties. Any opinions, advice, statement, services, offers, or other information expressed or made available by a third party, are those of such third party and not Voya. Voya does not independently verify the information provided by third parties, does not guarantee the accuracy, completeness, timeliness or correct sequencing of such information, and assumes no responsibility for Content displayed on this Site that may be provided by another party.

Limitation on Liability and Damages

We are committed to protecting the privacy and confidentiality of your personal information. To review the Voya Privacy Notice of the Voya companies offering insurance, securities and related financial products and services in the United States, click here.

You should be aware that when you visit and interact with our Site, Voya and third parties with whom Voya has contracted to provide services to Voya may collect technical, navigational and other non-personally identifiable information (such as a catalog of the site pages you visit) from cookies, referrers, IP addresses, environmental variables, pixel tags and similar technologies and information you voluntarily provide, as further described below.

a. Cookies. Voya and our service providers may use encrypted or non-encrypted cookies in connection with this Site. 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 Site. 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 Site by remembering your email address. To learn more about this technology, or to opt out of the ad serving cookie, please visit www.networkadvertising.org/optout_nonppii.asp.

b. Referrers; IP Addresses; Environmental Variables. Voya and our service providers may also collect "referrers" information, IP addresses and various environmental variables.

• A "referrer" is information the Web browser passes along to our web servers that references the URL from which you came.
• "IP address" is a number used by computers on the network to identify your computer so that data can be transmitted to you.
• Environmental variables" include, among other things, the domain from which you access the Internet, the time you accessed this site, type of Web browser and operating system or platform used, the Internet address of the web site you left to visit this Site, the names of the pages you visit while at this Site, and the Internet address of the web site you then visit.

c. Pixel Tags. Voya and our service providers may also use so-called "pixel tags," "web beacons," "clear GIFs" or similar means (collectively, "Pixel Tags") in connection with some Site pages and HTML-formatted email messages to, among other things, compile aggregate statistics about Site usage, response rates and the effectiveness of advertising campaigns. A Pixel Tag is an electronic image, often a single pixel (1x1), that is ordinarily not visible to Site visitors and may be associated with cookies on the visitors’ hard drives. Pixel Tags allow us to count users who have visited certain pages of the Site, to deliver branded services, and to help determine the effectiveness of promotional or advertising campaigns. When used in HTML-formatted email messages, Pixel Tags can tell the sender whether and when the email has been opened.

d. Information You Voluntarily Provide. We will ask you to provide information about yourself, your family and your finances in order to provide the services described herein and for business, regulatory and servicing purposes. In addition, the agent or registered representative with whom you work to obtain Voya financial products and services may use the personal information about you in his or her own files to advise you of other products or to help you with your overall financial strategy. You always own your information. You can find out more by reviewing the Voya Privacy Notice at www.voya.com.

We may also collect demographic data, such as your date of birth, gender and zip code. When such data is not combined with any personally identifiable information ("PII"), such information is considered to be non-personally identifiable, as it does not personally identify you or any other user. Additionally, we may aggregate PII in a manner such that the end-product does not personally identify you or any other user of the Site, for example, by using PII to display content according to your zip code. Such aggregate information is considered non-personally identifiable.

Because non-personally identifiable information does not personally identify you, we may use such information for any purpose. For example, we may use this information for Voya’s internal use such as to enhance web site security, to detect broad demographic trends, to assist Voya in providing content tailored to your interests, and to otherwise enhance your experience on this Site. This information may also be shared with third parties on an aggregate and non-personally identifiable basis.

Please note that in certain areas of this Site there may be additional information concerning the privacy practices applicable to the use of that area. You should also be aware that many Voya companies have their own sites to which we may provide a link. These sites may have different privacy policies and practices which you should review prior to using such sites.

Monitoring Use

Voya reserves the right to monitor any and all use of this Site in its discretion. However, unless required by law, we do not have any obligation to you to conduct such monitoring or to take any action based on any monitoring we may conduct.

Security

You should be aware that in general information sent through the Internet is not secure. Email services that may be provided through this Site generally are not encrypted and do not provide a secure and private means of communication with us. Certain services offered on this Site do provide a secure means to communicate with us, (this is indicated by an icon that appears on your screen when you are using such a service).For certain types of communications through this Site, we may require the use of encryption technologies provided for your protection and/or require you to use user identification information ("UserID") and passwords. You are responsible for the confidentiality and use of your UserID, password, social security number and account number. If you become aware of any loss, theft or unauthorized use of your UserID, password, social security number or account number, immediately notify the appropriate Voya company. While Voya may provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we 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, Voya reserves the right to monitor any and all transmissions, stored messages and routine backup copies of communications to ensure appropriate system usage.

Miscellaneous Governing Law

The laws of the State of New York govern these Terms and Conditions, without regard to its conflict of laws provisions. If you take legal action relating to these Terms and Conditions or arising out of or relating to your use of this Site, you agree to file such action only in New York and you consent to submit to the personal jurisdiction of the state and federal courts of New York for the purposes of pursuing any such action. Any cause of action you may have with arising out of or related to your use of this Site must be commenced within one (1) year after the cause of action arises. Voya reserves the right to seek all remedies available at law and equity for violations of these Terms and Conditions, as well as the right to restrict access to this Site or any portion of it. Voya 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.

Entire Agreement

These Terms and Conditions represent the entire agreement between Voya and you relating to the subject matter herein. If any provision of these terms is deemed unlawful, void or for any reason unenforceable, then that provision will be deemed severed from these terms and will not affect the validity and enforceability of the remaining provisions.

Forward Looking Statements

Certain statements contained herein are statements of future expectations and other forward-looking statements that are based on management's current view and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Actual results, performance or events may differ materially from those in such statements due to, without limitation (i) general economic conditions, including in particular economic conditions in Voya’s core markets, (ii) performance of financial markets, including emerging markets, (iii) the frequency and severity of insured loss events, (iv) mortality and morbidity levels and trends, (v) persistency levels, (vi) interest rate levels, (vii) currency exchange rates, including the Euro - U.S. dollar exchange rate, (viii) increasing levels of competition, (ix) changes in laws and regulations, including monetary convergence and the European Monetary Union, (x) changes in the policies of central banks and/or foreign governments, and (xi) general competitive factors, in each case on a global, regional and/or national basis. Voya does not undertake any obligation to correct or update any forward-looking statements on this Site.