The Liberty Mutual Benefits Portal (the “Site”) is operated by Fidelity Investments, and site content is provided by Liberty Mutual. The site contains information and resources about the U.S. compensation and benefits plans and programs offered to eligible employees of Liberty Mutual and its affiliates (the “Company”) and is intended for the Company’s active, regular, U.S. based employees (and certain retirees) and their dependents. Throughout the site, the terms “we,” “us” and “our” refer to the Company. The information and resources provided on and through the Site, including the text, graphics, images, and other materials, are provided as general information. The information and resources are not intended to provide specific advice to you or anyone else on any particular matter, including, but not limited to, the following: investment, tax, legal, retirement planning, insurance, financial, health, or similar advice. The Site should not be used or relied upon by you as a substitute for your own independent research or for professional advice regarding your own specific situation.

The Site is intended only for your personal non-commercial use, and you may not modify, copy, display, distribute, reverse engineer, or otherwise extract any source code, algorithms, methods, or techniques embodied in the Site.

The Site is provided on an "as is," "where is," "as available" and "with all faults" basis, without warranty of any kind, express or implied, including, without limitation, warranties of merchantability, fitness for a particular use, purpose, title, or non-infringement. In no event shall the Company be liable for any damages whatsoever, including, without limitation, consequential, incidental, special or indirect damages or other pecuniary loss, that result from use of or loss of use of the Site. The rights, exclusions, warranty disclaimers and limitations of liability under these Terms and Conditions operate to the benefit of the Company’s subcontractors, licensors, and vendors to the same extent that such provisions operate to the benefit of the Company.

Nothing on the Site is intended to create, or meant to be construed to create, a contract of employment between you and the Company or any of its affiliates or subsidiaries. The Company reserves the right to amend, modify, terminate or suspend the plans and/or programs described on the Site, in whole or in part, at any time for any reason without prior notice to, or consent by, employees.

The Site contains summary information about your benefits and compensation. The Site is not intended to cover the detailed compensation and benefit plan rules and exceptions that may apply. More information about compensation and benefit plans can be found in the summary plan descriptions, the official benefit plan documents, human resource records, and other documents governing these plans and programs and the terms of your employment ("Compensation and Benefits Documents"). Your compensation and benefits at the Company are subject to the terms and conditions of these various documents. In the event of a discrepancy or inconsistency between the content described on the Site and the official benefit plan documents, the terms of the official benefit plan documents control.

The Site may not reflect changes in your employment status that you recently may have experienced. The information on the Site will change over time due to changes in your participation in and eligibility for the Company’s compensation and benefits plans and programs.

This Site contains links to unaffiliated third parties. When following a third party link you leave this Site. The Company is not responsible for the accuracy or content of any of the information provided by third party sites, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third party technologies or programs. Your use of third party sites is governed by the terms and conditions and privacy policies of their respective owners. The terms, conditions and policies of the third party sites may differ from those described on this Site.

Liberty Mutual and Fidelity Investments reserve the right to amend the Terms and Conditions herein at any time, which shall become effective immediately.

The information contained herein has been provided by Liberty Mutual and is solely the responsibility of Liberty Mutual.

All trademarks and service marks belong to FMR LLC or Liberty Mutual respectively. Any third party trademarks, service-marks, or content appearing on this site are the property of their respective owners.

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