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Terms of Use: Your use of this BAC LOCAL UNION 15 web site signifies that you have read and understand the terms and conditions set out below, and that you agree to be bound by them. If you do not agree to be bound by these terms and conditions, you may not use this web site. The BAC LOCAL UNION 15 reserves the right, in its sole discretion, to change, modify or otherwise alter these terms and conditions at any time, without notice to you. You must review the following terms and conditions on a regular basis to keep yourself apprised of any changes.

Disclaimer: This web site is for informational purposes only. It is not intended to, and does not, provide you with specific financial, legal, or medical advice. The benefits provided by the BAC LOCAL UNION 15 are governed by specific provisions of the Plan Document and a number of statutes and regulations, all of which are complex and subject to change. Therefore, while we try to keep the information contained on this web site as current and accurate as possible, such information, and the sources of the information, are subject to change at any time. As a result, please note that:

  •    •  In the event of any inconsistency between the Plan Document and this web site, the Plan Document shall take precedence.
  •    •  The BAC LOCAL UNION 15 does not guarantee the accuracy, reliability or completeness of any of the information contained on this Web site.
When making decisions with respect to your health and welfare benefits, you may wish to consider obtaining independent medical, financial and legal advice. No warranty of any kind (whether express, implied or statutory) is given to you in connection with the information provided to you on this web site or in connection with the manner in which it is transmitted to you over the Internet. The BAC LOCAL UNION 15 and the Board of Trustees of the plan will not be liable for any damages, losses, costs or expenses arising from the use or performance of this web site, even if the BAC LOCAL UNION 15 or the Board of Trustees of each plan has been advised of the possibility of such damages. Email and Internet Communications Communication by email over the Internet and other publicly accessible networks is not secure. Any information that you send by email may be lost, intercepted or altered while it is being transmitted.

If you choose to send information to the Fund Office by email or over the Internet, you do so at your own risk. The BAC LOCAL UNION 15 and the Board of Trustees of each plan do not assume any liability for any damages you may experience, or costs you may incur, as a result of sending information by email or, should you request it, as a result of the BAC LOCAL UNION 15 sending information to you by email. This includes any such email that may contain your personal or confidential information.

Privacy Policy No personal information is collected from visitors to this web site. The BAC LOCAL UNION 15 does, however, gather and analyze certain information of a non-personal nature regarding site usage from all visitors to this Web site. Such data is used in an aggregate form to assist the BAC LOCAL UNION 15 in determining general usage patterns and to improve the layout and functionality of this web site. Such site usage and statistical information may be disclosed to third parties at the BAC LOCAL UNION 15 's sole discretion.

Links to Other Web Sites Links or pointers to other web sites are provided as a courtesy to you and are to be used at your own risk. BAC LOCAL UNION 15 does not endorse any of the Web sites linked to this one, or their contents, in any way.

Terms of Use / Disclaimer: Sharing Contact Information By agreeing to the terms of service and privacy policy, you consent to the BAC LOCAL UNION 15 sharing your contact information with Fund Programs contracted by the Board of Trustees.

Copyright: All information contained on this web site is protected under the copyright laws of the United States of America and other countries. Information on this Web site may be copied for personal use only. Any reproduction of any information contained in this Web site without the express written permission of the BAC LOCAL UNION 15 is prohibited by law. Any financial information, contained on this web site is unofficial information and should not be relied upon. The official versions of any financial reports are available from BAC LOCAL UNION 15.
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