Terms of Use



The TERMS OF USE that follow govern your use of this website. When you access this site, you acknowledge that you have read and agree to abide by the terms described below. You agree these terms to be the legal equivalent of a signed contract, equally binding and that you accept such terms. IF YOU DO NOT AGREE TO THESE TERMS AS DESCRIBED HEREIN, YOU ARE NOT GRANTED PERMISSION TO USE THE SITE AND SHOULD EXIT NOW. If you are using the website on behalf of your employer, you represent that you are authorized to accept the terms on your employer’s behalf.

Modification Of Terms Of Use

Zenith American Solutions, Inc. reserves the right, at Zenith American Solutions, Inc.’s sole discretion, to change, modify, update, add, or remove portions of these terms at any time without or without notice. Please check these terms periodically for changes. Your continued use of this website following the posting of changes to the terms will signify your acceptance of those changes.


Everything on this site is copyrighted. The copyrights are owned by Zenith American Solutions, Inc. All data, page views, source program code and access methods are protected by law, including but not limited to, United States copyright law. The entire content of this domain zenithadm.com (including text, images and attributes) are copyright ©2001 Zenith American Solutions, Inc. All rights reserved. Removing or altering the copyright notice on any material on the site is prohibited. All trademarks are proprietary. Misuse of these trademarks is expressly prohibited and may violate federal and state trademark law. Also, please be advised that Zenith American Solutions, Inc. aggressively enforces our rights to our intellectual property rights to the full extent of the applicable law.

Restrictions On Use Of Content

You may use the content on our website only for informational, personal, or non-commercial purposes. Any commercial use of the content is prohibited without prior written consent of Zenith American Solutions, Inc. You agree not to modify the documents or graphics on our website or copy or distribute graphics separate from their accompanying text and you agree not to quote materials out of their context. Permission to use our website’s contents does not include permission to copy the design elements, look and feel, or layout of the website. No logo, graphic, or image from our website may be copied or retransmitted unless expressly permitted by Zenith American Solutions, Inc.

No Unlawful Or Prohibited Use

As a condition of your use of the website, you will not use the website for any purpose that is unlawful or prohibited by these terms, conditions and notices. You may not use the website in any manner that could damage, disable, overburden, or impair any Zenith American Solutions, Inc. server, or the network(s) connected to any Zenith American Solutions, Inc. server, or interfere with any other party’s use and enjoyment of the website.

Communication With Our Website

Zenith American Solutions, Inc. welcomes your permitted use of our website. Your feedback and suggestions about how to improve our products and services are also welcome. However, by transmitting any suggestions, materials, information or other content to this website, you automatically grant Zenith American Solutions, Inc. a perpetual, irrevocable, non-exclusive right and license to use, modify or publish such content royalty-free with or without attribution.

No Solicitation Or Offer Of Legal Advice

Nothing contained, expressed or implied in this site is intended nor can be construed as legal advice. The information in this site is for general purposes only. If you have questions about any law, regulation or requirement referenced in this site, you should contact your own legal counsel. The information in this site is also not intended nor can be construed as medical or financial advice or a solicitation of any product or service. Individual inquiries about sensitive or confidential matters should be directed to health care or financial planning professionals.

Please be advised that this site strives to protect the confidentiality of participant information using secured servers, but confidentiality cannot be guaranteed. Communications or material transmitted through the Zenith American Solutions, Inc. website uses electronic mail. This e-mail is not encrypted but is directed to Zenith American Solutions, Inc. personnel. If you note any breach of confidentiality please notify Zenith American Solutions, Inc. via email or by telephone at (866) 545-9195.


Zenith American Solutions, Inc. has a privacy statement disclosing what information we collect about visitors, how we use such information and the steps we take to secure such information. The privacy statement includes how you can correct or otherwise modify such information and how you can decline to have information about you collected. By using this website, you are consenting to the terms of the privacy statement.

Benefit Plans

Nothing on this website is meant to interpret or extend or change in any way the provisions expressed in the Plan document(s). The Plan Sponsor or Trustees reserve the right to amend, modify, decrease or discontinue all or part of the Plan whenever, in their judgment, conditions so warrant.
Benefits described in the Plan document and in the Summary Plan Description may be fully insured or self-funded by the Plan. Self-funded benefits are limited to Plan assets available for such purposes.

Corrections And Changes

Zenith American Solutions, Inc. may make changes to the content of this website or services provided at anytime without notice, and makes no commitment to update the information contained herein. Zenith American Solutions, Inc. reserves the right to terminate your access to the site for any reason totally at our discretion.

Disclaimer Of Warranty

Zenith American Solutions, Inc. assumes no responsibility for errors or omissions in the materials on the website. Zenith American Solutions, Inc. further does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained within these materials. EXCEPT AS EXPRESSLY PROVIDED OTHERWISE, ALL INFORMATION ON THIS WEBSITE IS PROVIDED “AS-IS” WITHOUT WARRANTY OF ANY KIND AND ZENITH AMERICAN SOLUTIONS, INC. HEREBY DISCLAIMS ALL WARRANTIES EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. IN ADDITION, EXCEPT AS EXPRESSLY PROVIDED OTHERWISE, ZENITH AMERICAN SOLUTIONS, INC. DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT, TITLE, OR QUIET ENJOYMENT. In no event shall Zenith American Solutions, Inc. be liable for any special, indirect or consequential damages or any damages whatsoever resulting from any loss of use, data or profits, whether in an action of contract, negligence or other tortuous action, arising out of or in connection with the use of this website or information available from the website.

Except as expressly provided otherwise, you assume all risks concerning the suitability and accuracy of the information within the website. The website may contain technical inaccuracies or typographical errors. Zenith American Solutions, Inc. assumes no responsibility for and disclaims all liability for any such inaccuracies, errors, or omissions in the website.

Use Of The Internet

Use of the Internet is solely at your own risk and subject to all applicable state, national and international laws and regulations. Zenith American Solutions, Inc. will not be liable for any loss resulting from a cause over which we do not have direct control, including but not limited to failure of electronic or mechanical equipment or communication lines, telephone or other connection problems. Zenith American Solutions, Inc. is also not liable for computer viruses, unauthorized access, theft, operator errors, weather related problems, natural disasters, labor problems or governmental restrictions.


You agree to defend, indemnify and hold harmless Zenith American Solutions, Inc. and all its respective clients, plan sponsors, Trustees, affiliates, directors, officers, employees, representatives, proprietors, partners, shareholders, servants, principals, agents, predecessors, successors, assigns, and attorneys from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs and expenses relating to your use of the site, including without limitation, any use by your employees, your violation of these terms of use, or your violation of any rights of another.

Links To Other Websites

While this website may contain links to other Internet web sites, Zenith American Solutions, Inc. is not responsible for the content of any linked sites. Zenith American Solutions, Inc. provides these links as a convenience and does not control, endorse or promote the companies or contents of any linked web sites unless expressly stated.

General Information

These TERMS OF USE constitute the entire agreement between you and Zenith American Solutions, Inc. governing your use of the website. You acknowledge that in providing you access to and use of the website, Zenith American Solutions, Inc. has relied on your agreement to be legally bound by these TERMS.

By accessing the website you agree that the statutes and laws of the United States and the State of Illinois, without regard to any principles of conflicts of law, will apply to all matters relating to use of this website, and you further agree that any litigation shall be subject to the exclusive jurisdiction of the courts of the State of Illinois, USA.

The failure of Zenith American Solutions, Inc. to exercise or enforce any right or provision of these terms does not constitute a waiver of such right or provision. If a court of competent jurisdiction finds any provision of these terms to be invalid, the parties nevertheless agree that the court shall endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these terms remain in full force and effect. Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the website or the terms of use must be filed within one (1) year after such claim or cause of action arose or be forever barred. The section titles in these terms are for convenience only and have no legal or contractual effect.

These TERMS OF USE were last updated on December 15, 2009.