Legal Notice


The information contained on these pages is provided “as is” for informational purposes only. Unless otherwise indicated, the information contained on these pages is the property of the Carpenters Combined Funds and such is considered proprietary information. Any copyright, trademark or other proprietary notices contained on these pages shall not be removed. Periodically, the Fund Office will make changes to the information provided herein. In addition, the Fund Office may make improvements and/or changes in the services described herein at any time without updating these pages.

The Carpenters Combined Funds make no representations or warranties, express or implied, regarding the information provided on these pages, the products or services described herein, or the suitability of such information, products and services, including without limitation, any implied warranty of title, infringement, merchantability, fitness for a particular purpose, or conformity to any representation or description. The information provided on these pages is provided as a convenience to participants of the Carpenters Combined Funds. Participants cannot rely solely upon the information provided on these pages. Participants must confirm all information with the Fund Office to verify accuracy, interpretation, and understanding of the information provided on these pages. Non-Participants are not intended viewers of the information provided on these pages and to avoid misunderstanding of the content of these pages should signoff the website.

The Carpenters Combined Funds does not guarantee or warrant any material or information, nor the accuracy, timeliness, or completeness of any such data or material. Information provided is intended to be factual and not opinion. If opinion is expressed then it is that of the authors and editors and the Fund should be contacted to explain the factual basis of such opinion as it applies to the administration of the Fund and how such effects your participant rights. Neither the Funds, nor the Union shall be responsible or liable to any person or entity whomsoever (including, without limitation, all persons, groups, entities, or organizations that may view and/or use such data and materials or to whom such data and materials may be furnished) for any loss, damage (whether actual, consequential, punitive or otherwise), injury, claim, liability or other cause of any kind or character whatsoever based upon or resulting from any data, material, or information provided by The Funds or Union or included within this Web Site whether resulting from errors in or omissions from such material, any use of any such material by any third party, the content of any such material, or otherwise.

The Funds and Union are not responsible, and shall not be liable, for any damages incurred by any person, entity, etc. as a result of such person’s access to, use of, or downloading of any information or data contained in these pages, including damages caused by any viruses. In no event shall The Funds or Union be liable for any special, indirect or consequential damages or any damages whatsoever resulting from loss of use, data or profits, whether in an action of contract, negligence or other tortious action, arising out of or in connection with the use this website or information or data contained in these pages, documents, provision of or failure to provide services, or information available from this website or server.

Certain links in these pages will allow you access to different sections of the Fund’s Website or to leave the Fund’s Website. Linked sites are not under the control of the Funds or Union and such are not responsible for the contents of any linked site, any link contained in a linked site, or any changes or updates to such sites. The Fund and Union are providing these links, if any, to you only as a convenience, and the inclusion of any link does not imply endorsement by The Funds or The Union.

Privacy Policy

For each visitor, our web server automatically recognizes the visitor’s domain name, but not the e-mail address (where possible). The Funds collect only the domain name, but not the e-mail address of visitors unless volunteered or in site registrations.

The information collected is used for internal review and is then discarded, used to improve the content of the Website or to notify participants about updates to the Website or benefit plans. The Funds and Union will not release such information collected to outside organizations, individuals, or entities that are not directly servicing participants and without the showing of a need for such information. Any one receiving or being given access to such information must verify that they will not release, sell, or publish such material in any form, except as permitted to accomplish the goals of servicing the participant.

Users also should be aware that non-personal information and data may be automatically collected through the standard operation of The Funds’ internet servers or through the use of “cookies.” “Cookies” are small text files a web site can use to recognize repeat users, facilitate the user’s ongoing access to and use of the site and allow a site to track usage behavior and compile aggregate data that will allow content improvements and placement of information. Cookies are not programs that come onto a user’s system and damage files. Generally, cookies work by assigning a unique number to the user that has no meaning outside the assigning site. If a user does not want information collected through the use of cookies, there is a simple procedure in most browsers that allows the user to deny or accept the cookie feature; however, users should note that cookies may be necessary to provide the user with certain features (e.g., customized delivery of information) available on the Web Site.


The documents and information presented in certain areas of this Web Site contain confidential and proprietary information and material. Access is obtained by using a username and password, which authorizes you to access these areas and information. As a password participant, you may reproduce any document or information for your own use. You are not permitted to distribute or use the documentation or information in a misleading manner or to access any information pertaining to an individual other than yourself.

By using your username and password to access the Web Site, you accept the terms of this agreement. If you do not accept these terms, do not access the Web Site.