Terms and Conditions - Balance Wellbeing

Balance Wellbeing is brought to you by New York Life Insurance Company. Participation by an employee in any Balance Wellbeing service is optional, and access is not conditioned on the purchase of any product or service from New York Life Insurance Company or any of its subsidiaries or affiliates. Employees have a choice to engage with New York Life Insurance Company financial professionals for financial guidance and to purchase insurance and other products and services. If employees choose to do so, those engagements will be governed by the applicable terms and conditions.

The information provided through Balance Wellbeing is for general informational purposes only and is not intended as tax, legal, investment, or retirement advice and may not be relied on for the purpose of avoiding any state, federal, or other taxes. Neither New York Life Insurance Company nor its financial professionals provide tax, legal, or accounting advice. New York Life Insurance Company makes no representations regarding the tax consequences to employees relating to any service provided under this program, whether provided by New York Life Insurance Company or a third-party service provider. Employers and employees should consult their own tax, legal, or accounting professional before making any decisions.

The content provided through Balance Wellbeing is derived from sources believed to be accurate. Neither the information presented, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The information contained herein and through Balance Wellbeing does not constitute legal advice or a legal opinion on any specific facts or circumstances. The content is intended for general information purposes only, and users are urged to consult a lawyer concerning their own situation and any specific legal questions they may have.

Services provided through Balance Wellbeing are subject to the terms and conditions, including the website terms and conditions of the third-party service providers. Employees will need to review and consent to the terms and conditions before obtaining any services.

New York Life Insurance Company is providing connection to optional services from third-party service providers such as Cambridge Credit Counseling Corp. and Candidly. New York Life Insurance Company is not affiliated with the service providers and does not provide credit counseling, student loan, mortgage readiness, emergency savings services or other debt services. The service providers are solely responsible for the services they provide. If you choose to use any optional services and depending on your program eligibility, fees may apply.

Neither New York Life Insurance Company nor any of its subsidiaries make any representations as to the completeness or accuracy of information provided by the service providers. Neither New York Life Insurance Company nor any of its subsidiaries are liable for any direct or indirect technical or systems issues or any consequences or damages, losses, costs, expenses, claims or liabilities arising out of your access to, or your use of, third-party technologies, sites, information, and programs made available through this website. Please review the service provider's terms and conditions and privacy policies, all of which are separate from and unrelated to New York Life Insurance Company.

The access to these services may be discontinued at any time. Following New York Life Insurance Company’s discontinuance of the program consumers employees can continue the services directly through the service providers or obtain new services at the fees, if any, set by the service providers. Employees also may continue to interact with New York Life Insurance Company financial professionals.

Employee participation shall be completely voluntary, and you agree not to endorse or contribute to any individual products purchased by employees. You agree that neither the services provided, nor any individual products purchased by employees are intended to be part of any employee benefit plan sponsored by you. New York Life Insurance Company does not insure such services, and you agree that neither New York Life Insurance Company nor you shall act as a fiduciary with respect to such services.

New York Life Group Benefit Solutions products and services are provided by Life Insurance Company of North America, New York Life Group Insurance Company of NY, and New York Life Insurance and Annuity Corporation, subsidiaries of New York Life Insurance Company. Life Insurance Company of North America is not authorized in NY and does not conduct business in NY.