Terms of Use This site is offered to you, the user, conditioned upon your acceptance without modification of the terms, conditions, and notices contained herein. Your use of this website constitutes your acceptance and agreement to all such terms, conditions, and notices. If you have any questions or comments regarding these notices or have any technical problems in accessing information on our website, please contact us.

Use Limitation This website is for your personal and non-commercial use. As a condition of your use of this website, you warrant and represent to Co-ordinated Benefit Plans, LLC ("CBP") that you will not use this website for any purpose that is unlawful, violates any third party's rights, or is prohibited by these terms, conditions and notices. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer or sell any information, software, products or services obtained from this website, except as follows: You may download and make copies of the content and other downloadable items displayed on this website for personal, noncommercial use only, provided that you maintain all copyright and other notices contained in such content. Copying or storing of any content for other than personal, non-commercial use is expressly prohibited without the prior written permission from CBP, or the copyright holder identified in this individual contents copyright notice.

Changes in Website CBP may change, suspend or discontinue any aspect of the website at any time without notice, in its sole discretion, including the availability of any website feature, database or content. CBP may also impose limits on certain features and services or restrict your access to part(s) or the entire website without notice or liability.

Liability Disclaimer The information and other material published on this website may include inaccuracies or typographical errors. CBP does not warrant that the functions contained in the website or any materials or content contained therein will be uninterrupted or error free, that defects will be corrected, or that the website or the server that makes it available is free of viruses or other harmful components. CBP and its subsidiaries and affiliates shall not be liable for the use of the website, including, without limitation, the content and any errors contained therein. IN NO EVENT SHALL CBP BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEBSITE OR WITH THE DELAY OR INABILITY TO USE THIS WEBSITE, OR FOR ANY INFORMATION, MATERIALS, SOFTWARE, PRODUCTS AND/OR SERVICES OBTAINED THROUGH THIS WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEBSITE FOR ANY PRODUCTS OR SERVICES OR HYPERTEXT LINKS TO THIRD PARTIES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SITE OR ANY LINKED WEBSITE.

Monitoring CBP may monitor your use of this website, and subject to CBP's Internet Privacy Policy, CBP may freely use and disclose any information and materials received from you or collected through your use of this website for any lawful reason or purpose.

Governing Law This Agreement is governed by the laws of the State of Florida applicable to agreements entered into and wholly to be performed therein. You hereby consent to the exclusive jurisdiction and venue of the state and federal courts within Pinellas County, Florida for the resolution of all disputes arising out of use of this website. Use of this website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including, without limitation, this paragraph.

Legal Process This Agreement is subject to existing laws and legal process. Nothing in this Agreement shall mitigate CBP's right to comply with law enforcement requests or requirements relating to your use of this website or information provided to or gathered by CBP with respect to such use.

If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect.