Last Updated: September 26, 2014
Important Legal Information
The information in this Internet site (the "Site") is directed at, and is intended for distribution to, and use by, persons in the U.S. only. It is not intended for distribution to, or use by, any person in any other jurisdiction.
By connecting to and using this Site, you agree to be bound by all of the terms and conditions set forth on this page.
Neither the information nor any opinion expressed in the Site constitutes an offer by the Finance Authority of Maine, the State of Maine or any of the Merrill Lynch group of companies to buy or sell any securities or financial instruments or to provide any investment advice or service. For information about the NextGen College Investing Plan®, you must review the NextGen College Investing Plan Program Description.
The value and income of the financial instruments mentioned in the Site can fall as well as rise and an investor may get back less than invested. Past performance is not a guide to future performance.
The investment services and products mentioned in the Site may have tax consequences; therefore, it is important to bear in mind that the NextGen College Investing Plan, the Finance Authority of Maine, the State of Maine, and the Merrill Lynch group do not provide any tax analysis or advice. The levels and bases of taxation can change. Investors' tax affairs are their own responsibility and investors should consult their own attorneys or tax advisors in order to understand the tax consequences of any product(s) or service(s) mentioned in the Site.
The content available through this Site is the property of the Finance Authority of Maine or its licensors and protected by copyright and other intellectual property laws. Content received through this Site may be displayed, reformatted and printed for your personal, noncommercial use only. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the contents received through this Site to anyone, including but not limited to others in the same company or organization, without the express prior written consent of the Finance Authority of Maine, with this one exception: You may, on an occasional and irregular basis, disseminate an insubstantial portion of the content from this Site, for a noncommercial purpose, without charge, and transmitted in non-electronic form, to a limited number of individuals, provided you include all copyright and other proprietary rights notices with such portion of the content in the same form in which the notices appear in this Site, original source attribution, and the phrase "Used with permission from the Finance Authority of Maine." You agree not to annotate or supplement the Site. You may not post any content from this Site to newsgroups, mail lists, or electronic bulletin boards without prior written consent of the Finance Authority of Maine. Unless you are an approved partner, you may not establish a link to this Site without the approval of the Finance Authority of Maine and execution of a form agreement for this purpose.
THIS SITE INCLUDES FACTS, VIEWS, OPINIONS AND RECOMMENDATIONS OF INDIVIDUALS AND ORGANIZATIONS BELIEVED OF INTEREST. THE FINANCE AUTHORITY OF MAINE AND ITS CONTENT LICENSORS, INCLUDING MERRILL LYNCH, CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS OR TIMELINESS, OR FITNESS FOR A PARTICULAR PURPOSE OF, OR OTHERWISE ENDORSE, UPDATE, INVESTIGATE, OR CONFIRM IN ANY WAY ANY OF THESE VIEWS, OPINIONS OR RECOMMENDATIONS, OR OF ANY THIRD PARTY SITE OR INTERNET INFORMATION THAT YOU MAY REACH VIA THIS SITE. NEITHER THE FINANCE AUTHORITY OF MAINE, NOR ITS CONTENT LICENSORS, INCLUDING MERRILL LYNCH, SHALL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY RESULTING FROM THE USE OF THIS SITE, CAUSED IN WHOLE OR PART BY ITS NEGLIGENCE OR CONTINGENCIES BEYOND ITS CONTROL IN PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING THIS SITE AND ANY CONTENT THROUGH THIS SITE. IN NO EVENT WILL THE FINANCE AUTHORITY OF MAINE OR ITS LICENSORS, INCLUDING MERRILL LYNCH, BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON SUCH CONTENT OR THIS SITE. THE FINANCE AUTHORITY OF MAINE AND ITS LICENSORS SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES OTHER THAN DIRECT DAMAGES (INCLUDING, WITHOUT LIMITATION, CONSEQUENTIAL, SPECIAL, INCIDENTAL, INDIRECT, OR SIMILAR DAMAGES) EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
We may change the terms governing use of this Site and/or its content and/or features, by posting such new and/or modified terms here (in the Legal, Trademark and On-Line Privacy Notices section of the Site), and without sending you email or papermail. Such changes will be effective as soon as posted here. Such changes will not modify or supplement any terms of any Participation Agreement or other agreement that you have entered.
Regarding any materials that you may download from this Site, you are responsible for obtaining, updating, and using virus checking and removal software.
Any dispute or issue regarding this Site or its use or contents will be governed by the law of the State of Maine.
Harold Alfond® is a registered trademark of the Harold Alfond Foundation. NextGen®, NextGen College Investing Plan® are registered trademarks of the Finance Authority of Maine.
On-Line Privacy Notice and Third-Parties
The Finance Authority of Maine is concerned about the privacy of any personal information that you may provide to us through this Site.
When you visit this Site, you are not required to provide any personal information unless you choose to do so. Our web server will recognize the domain name/IP address from which you are accessing this Site and certain other technical facts (such as the operating system and web browser that you are using), but not your e-mail address or other personally identifying information.
Personally identifiable information will not be collected unless you voluntarily send an e-mail message or fill out and send an online form. Your choice not to participate in these activities will not impair your ability to browse. However, it may impair your ability to access certain information or obtain a service online.
This Site uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer, to help us analyze how users use the Site. The information generated by the cookie about your use of the Site and other information (including your IP address) will be transmitted to and stored by Google on their servers. Google will use this information for the purpose of evaluating how the Site is used, compiling reports on Site activity for us, and providing other services related to Site activity and Internet usage. Google may also transfer this information to third parties when required to do so by law, or where third parties process the information for Google.
By using this Site, you consent to the processing of such data about you by Google and such third parties in the manner and for the purposes set forth above.
Important Notice: The NextGen College Investing Plan does not endorse or promote any third-party Web sites, referred to as "accommodators," that provide services to facilitate contributions to a NextGen account. These accommodators may charge fees in connection with their services. Neither FAME nor Merrill Lynch has authorized any accommodator or other third-party Web site to promote or submit contributions to a NextGen account. Anyone who chooses to contribute through these Web sites submits contributions at their own risk, and proper credit or investment to the account cannot be guaranteed or confirmed by Merrill Lynch or FAME.
When you click on links (including advertising banners, if any) which take you to Internet sites, whether or not operated or controlled by the Finance Authority of Maine, you will be subject to the privacy policies of such other sites. We expressly disclaim any and all liability for the actions of third parties, including without limitation actions relating to the use and/or disclosure of your personal information by third parties.
E-mail messages sent to e-mail addresses provided on this Site will be treated the same as any other written communication to the Finance Authority of Maine. They may be subject to public inspection and legal disclosure and may be saved for a period of time before they are destroyed. The e-mail will be used to respond appropriately. The e-mail message and address may be forwarded to any other entity which provides services for appropriate action. E-mail is not necessarily a secure form of communication, as it may be intercepted or misdirected. We do not recommend sending sensitive information through e-mail.
Electronic Form Filers
Any other information provided by you through this Site such as the completion and electronic filing of a form will be considered to be voluntarily provided and will be treated in the same manner as information provided in written form or in person to the Finance Authority of Maine. Information provided may be subject to public inspection and legal disclosure and may be saved for a period of time before it is destroyed. The information will be used to respond appropriately, and may include an initial response and subsequent contacts, by mail, telephone, or e-mail. No personally identifiable information provided through the completion and electronic filing of a form will be shared except in accordance with the applicable privacy policies of the Finance Authority of Maine, which may include sharing your e-mail address with an e-mail service provider to send subsequent e-mails to you and sharing your information with our other contractors to provide requested materials to you. If at any time you wish to have the information you have provided removed from our database, you may do so by contacting us at email@example.com.