The offer by Voya Financial, Inc. and its affiliated entities (collectively, Voya) to provide free materials and education regarding the Coronavirus Aid, Relief, and Economic Security (CARES) Act (the Offer) is subject to the following terms and conditions, and limitations:

  • The Offer is limited to persons residing in the US and US military personnel who reside on US military bases, who are not currently served by a financial adviser
  • The Offer is void to persons residing outside of the US and wherever prohibited or restricted by law
  • No purchase is necessary or required
  • The Offer is only valid until September 30, 2020
  • The Offer is limited to only the following services:
    • Education about the recently enacted CARES Act and other options through downloadable materials available at voya.com
    • An opportunity (based on availability) to speak with a Voya Financial Advisors (VFA) registered representative about your questions regarding the CARES Act, subject to the limitations below, including that the representative will not address questions specific to your financial situation or provide any recommendations.
  • To receive a call (based on availability) from a VFA registered representative regarding the CARES Act and other options, you must provide your contact information in the form on the Voya “Educational Guidance Program” webpage. If demand for this service is high, you may not receive your call for several days. Voya will accept no liability in connection with any delays in calling you.
  • The VFA representative who calls you will not ask for any personal information, beyond confirming your name. You should not provide any personal information (such as social security number, address, email address, account numbers, account balances, etc.) to any caller in connection with the Offer.
  • If you are a participant in a retirement plan administered by Voya, you should consult with the financial advisor assigned to your plan, or access your plan website and existing Voya service phone number for such guidance and not access the Offer.
  • If you already have a financial advisor, you should call your financial advisor and not access the Offer.
  • Voya is providing only education regarding the CARES Act and additional options to consider through the Offer. Voya is not providing free financial, investment, budgeting, or tax advice.
  • The education provided will not be specific to your situation. If you desire additional advice specific to your situation, you can discuss establishing an account or obtaining financial planning services for a fee with the VFA representative who contacts you.
  • The written and verbal information regarding the CARES Act are based on Voya’s interpretation of that Act as of March 31, 2020. Voya makes no guarantee with respect to the accuracy of such information. Any changes to such Act or subsequent regulations implemented in connection with such Act may render such information incomplete or incorrect. Voya undertakes no duty to update such information.
  • Voya is not providing tax advice nor tax guidance through the Offer. You should discuss the tax implications of any actions you take in connection with the CARES Act and any other options regarding your specific situation with your personal tax advisor. Voya undertakes no duty with respect to the application of the CARES Act or other options discussed with respect to your personal financial and tax situation.
  • Except where prohibited, you agree that (i) any and all disputes, claims and cause of action arising out of or connected with the Offer will be resolved individually, without resort to any form of class action; (ii) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, but in no event attorneys’ fees and the fees of other professionals; and (iii) under no circumstances will you be permitted to obtain awards for, and you waive all rights to claim indirect, punitive, incidental, special and consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased.
  • LIABILITY RELEASE.  BY SUBMITTING THE CONTACT FORM ON VOYA’S “EDUCATIONAL GUIDANCE PROGRAM” WEBPAGE, YOU AGREE TO RELEASE AND HOLD HARMLESS VOYA AND ITS AFFILIATES, AND EACH OF THEIR RESPECTIVE EMPLOYEES, INDEPENDENT CONTRACTOR REGISTERED REPRESENTATIVES, OFFICERS, DIRECTORS AND SHAREHOLDERS, FROM ANY AND ALL LIABILITY, CLAIMS, LOSS, DAMAGE TO PERSONS OR PROPERTY, COSTS, EXPENSES, INCLUDING, WITHOUT LIMITATION, ATTORNEY FEES AND ACTIONS OF ANY KIND AND AGREE TO WAIVE ANY SUCH CLAIMS RELATED TO OR ARISING OUT OF THE OFFER.