General Disclaimer/Agreement

Read This Agreement and Authorization

By logging on this site, I understand and agree that the entry of my Social Security Number and Personal Identification Number (PIN) is the method this Web site uses to verify my identity. By using them to initially log onto this site and to log onto the site in the future, I also understand and agree to the following:
  • Any instructions, choices, or requests made using my Social Security Number and PIN on this Web site will be considered my written permission to Voya Financial™, Nestlé and the Nestlé Smart$aving Call Center to provide information or conduct transactions on my behalf, in accordance with Nestlé's employee benefit plans, employee policies, or programs.
  • I am responsible for reviewing any written confirmation statements provided to me (in paper or electronic form) regarding any instructions, choices, or requests that I make through this Web site. I am responsible for reviewing all of the information transmitted to me for any inaccuracies. If there are any, I am responsible for correcting them as soon as possible using the tools available to me on the Web site or by contacting VoyaTM or the Nestlé Smart$aving Call Center to point out such inaccuracies.
  • The security procedures of this Web site permit me to request or provide personal information— e.g.,401(k) plan balance information, pay, etc—and to direct transactions involving my account. I have read and understood the Privacy Notice, Security Information, and Browser Requirements pages on this Web site and agree that the procedures indicated therein provide adequate safeguards with respect to privacy and security. Further, I understand that I am solely responsible for any loss of privacy or confidentiality of any information if I move it outside this Web site.
  • I understand that the plan documents, plan records and administrative practices and procedures of Voya, Nestlé, and the Nestlé Smart$aving Call Center govern my benefit and will control in the event of any conflict with any information provided on this Web site.
  • I understand that investment information provided by this Web site is not intended as any indication of future performance, and no representations or warranties are provided by Voya, Nestlé, or any other persons involved in the administration of the plans regarding investment performance or the suitability of any investments for me.
  • I understand that this Web site is provided by Voya, not by Nestlé, and that Voya is generally responsible for the content of the site except as otherwise indicated. While Voya attempts to ensure the accuracy of the information provided on the site, in case of any discrepancy with the official plan documents, procedures and records, I understand that the official plan documents, procedures and records will prevail.