Coughlin & Associates Plan Member Portal - Terms of Use

Please note that this is a secure web site containing important information about your group
benefits.  Please read the following notice before proceeding further.

In accessing this site, you attest and agree to the following:

1.	The information contained on the following pages is provided for your convenience and is
    based on the information you have provided to Coughlin & Associates Ltd.  Any changes to
    the information or data displayed on this site are also based on information you have
    provided to either your plan sponsor or Coughlin & Associates Ltd. 

2.	The information is your own or that of your eligible spouse and/or dependants.

3.	You are using only the group plan number, certificate number and/or personal identification
    number or password that has been assigned to you by Coughlin & Associates Ltd.

4.	You will keep your personal site information, passwords, identification numbers, temporary
    ID number, user ID number, plan and certificate numbers confidential at all times.

5.	You will notify Coughlin & Associates Ltd. immediately upon learning that any unauthorized
    person has gained access to your information, including any passwords, identification,
    certificate or personal or user identification numbers.

6.	You authorize Coughlin & Associates Ltd. to communicate to you and respond to your inquiries
    via mail, email, fax, telephone or other means to the address you have provided to Coughlin
    & Associates Ltd.

7.	You will not hold Coughlin & Associates Ltd. liable for any information or damages that may
    result from incorrect or outdated data being on file or published on this web site.

8.	You are responsible for ensuring that any address, dependant or any other personal
    information you provide to Coughlin & Associates Ltd. remains up-to-date.  You will not hold
    Coughlin & Associates Ltd. liable for any damages that may result from the misdirection by
    any means of any information resulting from incorrect or outdated data being on file at
    Coughlin & Associates Ltd. 

9.	You understand and acknowledge that the internet is not a fully secure medium for
    communication of information and that Coughlin & Associates Ltd cannot guarantee your privacy
    and confidentiality.  Further, you will not hold Coughlin & Associates Ltd. or its employees,
    responsible for any losses or damages that may result from your use of this site.

10.	Information on this site is subject to change at any time and may be updated without prior
    notice.

11.	Coughlin & Associates Ltd. does not guarantee the accuracy, completeness or authenticity of
    the information contained on this site.

12.	You will not hold Coughlin & Associates Ltd., nor any of its employees, responsible for any
    harm, loss or damage that may result from your use of this site.

13.	You agree that the provision of this site by Coughlin & Associates Ltd. is a result of, and
    governed by, the contractual arrangements that are in place between Coughlin & Associates Ltd.
    and your plan sponsor.  You acknowledge and understand that, should the contractual
    arrangement between your plan sponsor and Coughlin & Associates Ltd. either change or
    terminate, the availability of, and your access to, this site may not be guaranteed.

14.	You acknowledge and understand that, should the employment relationship between you and your
    plan sponsor either change or terminate, the availability of, and your access to, this site
    may not be guaranteed.

15.	As plan administrator, Coughlin & Associates Ltd. may deny, restrict or change your access to
    the information on this site at any time, without notice

16.	Coughlin & Associates Ltd. may revise, update or terminate site at any time, without notice.

17.	These terms and conditions may be revised or updated at any time and that you may be required
    to accept these terms and conditions in order to continue accessing this site.