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Important Legal Information
The Bright Start Direct-Sold College Savings Program is sponsored by the State of Illinois and administered by the Illinois State Treasurer, as Trustee. Union Bank and Trust Company serves as Program Manager. Balances in your Bright Start account are not guaranteed or insured by Bright Start, the State of Illinois, the Illinois State Treasurer, any other state or federal agency, Union Bank and Trust Company or any of its affiliates, the Federal Deposit Insurance Corporation (except as provided in the Program Disclosure Statement solely with respect to the FDIC-insured Bank Savings Underlying Investment), or any other entity.
An investor should consider the investment objectives, risks, and charges and expenses before investing. This and other important information is contained in the Bright Start Direct-Sold College Savings Program Disclosure Statement which can be obtained at BrightStart.com and should be read carefully before investing. You can lose money by investing in a portfolio. Each of the portfolios involves investment risks, which are described in the Program Disclosure Statement.
Before you invest, consider whether your or the beneficiary’s home state offers any state tax or other benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in that state’s 529 plan.
Union Bank and Trust Company and the State of Illinois Treasurer’s office do not render tax or legal advice. The program is intended to be used only to save for qualified higher education expenses. The program is not intended to be used, nor should it be used, by a taxpayer for the purpose of evading federal or state taxes or tax penalties. Taxpayers may wish to seek tax advice from an independent tax advisor based on their own particular circumstances.
Responsibilities of User
Union Bank and Trust Company maintains this site for the convenience of its users. You will be solely responsible for the confidentiality and use of any user IDs, logins, passwords, and other security data, methods, and devices. You are solely responsible for all transaction requests electronically transmitted using your user ID and password and other security data. You accept full responsibility for the monitoring of your account. You agree that the Bright Start Direct-Sold 529 College Savings Program and its officers, agents, employees, contractors, affiliates and their successors, Union Bank and Trust Company, the State Treasurer of Illinois, the Pool, the Trust, and the State of Illinois, shall not be under a duty to inquire as to the authority or propriety of any instructions given to them by you or via your user ID or password, shall be entitled to act upon any such instructions, and will not be liable for any loss, cost, expense, or other liability arising out of any such instruction.
You accept full responsibility for all transaction requests placed through your user ID and password. You agree that you are solely responsible for monitoring your account and agree to immediately notify Union Bank and Trust Company of any unauthorized or suspicious conduct concerning your account, user ID, or password or if any user ID or password is lost or stolen.
You agree to immediately notify us with respect to your account of any type of discrepancy or suspicious or unexplained occurrence relating to your account, of the loss or theft of your user ID or password, or of the unauthorized use of your user ID or password. Neither the program nor any of its officers, agents, employees, contractors, affiliates and their successors, Union Bank and Trust Company, the State Treasurer of Illinois, the Pool, the Trust, and the State of Illinois, will have any responsibility or liability to you or to any other person whose claim may arise through you for any claims with respect to the handling, mishandling, or loss of any transaction.
Union Bank and Trust Company may modify content on this website or modify the availability of any transactions at any time. We reserve the right to discontinue electronic access to your account at any time. Any modification or termination of this agreement will be posted by Union Bank and Trust Company on the program website.
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