Terms & Conditions
Last Updated: August 3, 2023
- Acceptance of Terms
By accessing and using the teamsterhomeadvantage.com website (“Site”) operated by Union One Benefits Administration, Inc. (“Union One,” “we,” “us,” or “our”), you accept and agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, please do not use the Site. - Changes to Terms
We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes. - Accessing the Site
We reserve the right to withdraw or amend this Site, and any service or material we provide on the Site, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Site is unavailable at any time or for any period. - Third-Party website disclaimer
Links to third-party websites are provided for your convenience. Union One does not control or guarantee the accuracy, relevance, timeliness, or completeness of information found on external sites and does not endorse any specific products, services, or viewpoints. - Intellectual Property Rights
The Site and its entire contents, features, and functionality are owned by Union One, its licensors, or other providers of such material and are protected by copyright, trademark, and other intellectual property laws. - Prohibited Uses
You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to use the Site in any way that violates any applicable local or international law or regulation. - Limitation of Liability
To the fullest extent provided by law, Union One shall not be liable for any loss or damage caused by the use of or reliance on the information or materials available through the Site. - Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law principles. - Waiver and Severability
No waiver by Union One of any term or condition set forth in these Terms shall constitute a further or continuing waiver of such term or condition. If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect. - Contact Information
For any questions or comments about these Terms, please contact:
Union One Benefits Administration, Inc.
28160 W Northwest Hwy, Suite 100
Lake Barrington, IL 60010
Phone: (224) 357-7881
Email: info@teamsterhomeadvantage.com
IMPORTANT INFORMATION
Mortgage Readiness Platform, Consumer Choice, and Program Protections
The Teamster Home Advantage Program is a mortgage readiness platform designed to help Teamster Members prepare for homeownership. Through the Program, Members have access to educational resources, planning tools, and a personalized mortgage readiness profile that helps them understand affordability considerations and general readiness indicators before pursuing a mortgage.
Members retain full control over their readiness profile. Members may choose to print or export their readiness profile and provide it directly to any mortgage lender of their choosing, whether or not that lender participates in the Teamster Home Advantage Program. The Teamster Home Advantage Program does not require Members to use a participating lender and does not restrict a Member’s ability to shop for, compare, or obtain mortgage financing outside the Program.
Members may elect, at their express direction, to transmit their readiness profile to a participating lender within the Teamster Home Advantage Program framework and may be eligible for additional program features or mortgage options offered by participating lenders, subject to the lender’s eligibility criteria.
Certain union-sponsored benefits and protections, including the Teamster Home Advantage Program Mortgage Relief Payment (MRP), apply only to qualifying mortgages originated through participating lenders within the Teamster Home Advantage Program framework. Mortgages originated outside the Program framework are not eligible for these program-specific protections. Members remain free to choose the lender and mortgage option that best meets their individual needs.
