Terms of Use

These Terms of Use, together with the documents referred to herein, govern the use of this website by visitors accessing https://www.voya.digital (the “Site”). Use of the Site includes accessing, browsing, and using the content and services provided on it.

Please read these Terms of Use carefully before using our Site. By using this Site, you confirm that you accept these Terms of Use and agree to comply with them. If you do not agree to these terms, you must not use our Site.

Other Applicable Terms

These Terms of Use refer to additional terms and policies which also apply to your use of this Site:

• Privacy Policy: Our Privacy Policy sets out the terms on which we process any personal data we collect from you or that you provide to us. By using our Site, you consent to such processing and warrant that all data provided by you is accurate.
• Cookie Policy: Our Cookie Policy explains how cookies are used on our Site and for what purposes.

About VOYA

https://www.voya.digital is operated by Voya Digital Design and Software Inc. (“VOYA”, “we”, “us”, or “our”).

Changes to These Terms

VOYA may revise these Terms of Use at any time by updating this page. Please check this page from time to time, as any changes will be binding on you from the moment they are published.

Changes to Our Site

VOYA may update the Site from time to time and may change the content at any time. Please note that any content on the Site may be out of date at any given time, and VOYA is under no obligation to update it.

Accessing Our Site

• Our Site is made available free of charge.
• VOYA does not guarantee that our Site, or any content on it, will always be available or uninterrupted. We may suspend, withdraw, discontinue, or change all or any part of the Site without notice. We will not be liable to you if, for any reason, the Site is unavailable at any time or for any period.
• You are responsible for making all arrangements necessary for you to have access to our Site.
• You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these Terms of Use and other applicable terms and conditions, and that they comply with them.

Intellectual Property Rights

VOYA is the owner or the licensee of all intellectual property rights in our Site and in the material published on it. These works are protected by copyright, trademark, and other intellectual property laws and treaties around the world. All such rights are reserved.

You must not modify the paper or digital copies of any materials you have printed or downloaded, and you must not use any illustrations, photographs, video or audio sequences, or any graphics separately from any accompanying text.

The authorship and contributor status of content on our Site must always be acknowledged.

You must not use any part of the content on our Site for commercial purposes without obtaining a license from us or our licensors.

If you print, copy, or download any part of our Site in breach of these Terms of Use, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

No Reliance on Information

The content on our Site is provided for general information purposes only. It is not intended to amount to advice on which you should rely.

You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Site. Although we make reasonable efforts to update the information on our Site, we make no representations, warranties, or guarantees that the content is accurate, complete, or up to date.

Disclaimer of Warranties

To the extent permitted by law, VOYA excludes all conditions, warranties, representations, or other terms which may apply to our Site or any content on it. The Site is provided on an “as is” and “as available” basis. VOYA does not guarantee that the Site or any content on it will always be available, uninterrupted, or error-free.

Limitation of Liability

To the extent permitted by law, VOYA shall not be liable for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

• use of, or inability to use, our Site; or
• use of or reliance on any content displayed on our Site.

If you are a business user, VOYA will not be liable for loss of profits, sales, business, revenue, business interruption, loss of anticipated savings, loss of business opportunity, goodwill, or reputation, or for any indirect or consequential loss or damage.

If you are a consumer user, please note that our Site is provided for domestic and private use only. You agree not to use our Site for any commercial or business purposes, and VOYA has no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

VOYA will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of our Site or to your downloading of any content on it, or on any website linked to it.

Use of Your Information

VOYA may collect and process information about you, including personal data, when you use our Site, provided that such information is supplied voluntarily or required for the purposes described below. By using our Site, you consent to such collection and use for the following purposes:

• contacting you regarding VOYA’s services, insights, and thought leadership that may be of interest to you;
• communicating with you about topics relevant to you as a user of the Site;
• using anonymized and aggregated data, at VOYA’s discretion, for lawful and legitimate purposes, provided that all personal identifiers are removed.

All such processing is carried out in accordance with our Privacy Policy.

Viruses

VOYA does not guarantee that our Site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programs, and platform in order to access our Site. You should use your own virus protection software.

You must not misuse our Site by knowingl