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Legal & Privacy

All 5500 forms filed with the United States Department of Labor under the Employee Retirement Income Security Act (ERISA) are open for public inspection. The United States Department of Labor makes this data available to the public. The data on the Form 5500 or schedules, recreated on freeERISA.com, appears exactly as it has been electronically delivered to freeERISA.com from the DOL.

Data and information is provided for informational purposes only. Neither freeERISA.com, nor any of its affiliates shall be liable for any errors or delays in the content, or for any actions taken in reliance thereon. By accessing the freeERISA.com Web Site, a user agrees not to redistribute the information found therein. freeERISA.com provides links to selected companies for your convenience only. freeERISA.com shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the services and information on this Web Site.

When you browse freeERISA.com, you are required to complete a registration form containing personal information, including your e-mail address, for purposes such as correspondence, or participating in online surveys. Like many other commercial Web Sites, freeERISA.com may utilize a standard technology called a "cookie" to collect information about how our site is used. If you provide us with your e-mail address, or have done so in the past, we may, upon occasion, send you e-mail offers. We may use information you have given us to, for example, provide a service, measure interest in our various services and inform you about new products and services. These offers may be based on information you provided in your initial transaction with us, in surveys, from information that may indicate purchasing preferences and lifestyle, as well as information available from external sources, such as census bureau data. Primarily, these e-mail offers will come from freeERISA.com. We may also, upon occasion, share e-mail addresses with certain partners, or with other well-established companies so that they can send you product and service offers that may be of interest. freeERISA.com does not knowingly solicit data from children, and we do not knowingly market to children. FreeERISA collects and stores all of the information supplied by you when registered, and may at our discretion share this information with third parties. To change any of your registration information, please visit our update page at http://www.freeerisa.com/customer/userupdate.asp.

This policy is effective as of January 1, 1998.

Message Board Terms of Service

The freeERISA Message Boards are owned and operated by JDA Inc., the parent company of freeERISA.com ("JDA"). By using the freeERISA Message Board service (the "Service"), you accept and agree to be bound by the following terms and conditions (the "Terms of Use"). Nothing in the Terms of Use should be construed to confer any rights to third party beneficiaries.

1. Description of Service

The Service is an open-source message board system designed by phpBB that allows users of freeERISA.com to communicate with each other on-line in a web-browsable public forum.

Unless explicitly stated otherwise, the Service may be modified or terminated at any time by JDA for any reason, and without notice, without liability to you, any other user of the Service or any third party. Any new features that augment or enhance the current Service shall be subject to the Terms of Use.

2. Your Responsibilities.

You understand that all data, text, information, links and other content (collectively, "Content"), whether posted in public or restricted groups, is the sole responsibility of the person from which such Content originated. This means that you, and not JDA, are entirely responsible for all Content that you publish, post, upload, distribute, disseminate or otherwise transmit (collectively, "Post") via the Service. You understand that by using the Service, you may possibly be exposed to Content that is offensive, indecent or objectionable. Under no circumstances will JDA be liable in any way for any Content, including, but not limited to, for any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of the use of any Content Posted via the Service. You agree that you must evaluate, and bear all risks associated with, the use of any Content, including any reliance on the accuracy, completeness, or usefulness of such Content. You understand that the technical processing and transmission of the Service, including Content, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

3. JDA's Rights.

You acknowledge that JDA does not pre-screen, control, edit or endorse Content made available through the Service and has no obligation to monitor the Content Posted via the Service. If JDA discovers Content that does not appear to conform to the Terms of Use, JDA may investigate and determine in good faith and in its sole discretion whether to remove the Content. JDA will have no liability or responsibility for performance or non-performance of such activities.

You agree that you are responsible for your own conduct and communications while using the Service and for any consequences thereof. You agree to use the Service only to send and receive messages and material that are legal, proper and related to the particular topic. By way of example, and not as a limitation, you agree that when using the Service, you will not:

• defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others;
• post any inappropriate, defamatory, infringing, obscene, or unlawful Content;
• post any Content that infringes any patent, trademark, copyright, trade secret or other proprietary right of any party (the "Rights"), unless you are the owner of the Rights or have the permission of the owner to Post such Content;
• post messages that promote pyramid schemes, chain letters or disruptive commercial messages or advertisements, or anything else prohibited by the forum owner.
• download any file Posted by another user of a Group that you know, or reasonably should know, that cannot be legally distributed in such manner;
• impersonate another person or entity, or falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is Posted;
• restrict or inhibit any other user from using and enjoying the Service;
• use the Service for any illegal or unauthorized purpose;
• remove any copyright, trademark or other proprietary rights notices contained in or on the Service;
• interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service;
• use any robot, spider, site search/retrieval application, or other device to retrieve or index any portion of the Service or collect information about users for any unauthorized purpose;
• submit Content that falsely expresses or implies that such Content is sponsored or endorsed by JDA;
• create user accounts by automated means or under false or fraudulent pretenses;
• promote or provide instructional information about illegal activities or promote physical harm or injury against any group or individual; or
• transmit any viruses, worms, defects, Trojan horses, or any items of a destructive nature.

International users agree to comply with their own local rules regarding online conduct and acceptable content, including laws regulating the export of data to the United States or your country of residence.

While JDA prohibits such conduct and Content in connection with the Service, you understand and agree that you nonetheless may be exposed to such conduct and/or Content and that you use the Service at your own risk.

JDA claims no ownership or control over any Content submitted, Posted or displayed by you on or through the Service. You or a third party licensor, as appropriate, retain all patent, trademark and copyright to any Content you submit, Post or display on or through the Service and you are responsible for protecting those rights, as appropriate. By submitting, Posting or displaying Content on or through the Service, you grant JDA a worldwide, non-exclusive, royalty-free license to reproduce, adapt and publish such Content on the Service solely for the purpose of displaying, distributing and promoting the Service or any other JDA Services. This license terminates when such Content is deleted from the Service. JDA reserves the right to syndicate Content submitted, Posted or displayed by you on or through the Service and use that Content in connection with other services offered by JDA.

4. General Practices Regarding Use and Storage

You agree that JDA has no responsibility or liability for the deletion or failure to store any Content maintained or Posted by or through the Service. You acknowledge that JDA has set no fixed upper limit on the number of transmissions you may send or receive through the Service or the amount of storage space used; however, we retain the right, at our sole discretion, to create limits at any time with or without notice.

5. Links

The Service may provide, or third parties may provide, links to other World Wide Web sites or resources. Because JDA has no control over such sites and resources, you acknowledge and agree that JDA is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content on or available from such sites or resources. You further acknowledge and agree that JDA shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content available on or through any such site or resource.

6. User Privacy

As a condition of using the Service, you agree to the terms of the freeERISA Privacy Policy, as it may be changed from time to time. JDA will provide you notice of any significant changes by placing a link on the JDA Groups home page or by email. You understand and agree that JDA may access, preserve, and disclose your personal information and the contents of your account in order to provide the Service or if required to do so by law or in a good faith belief that such access preservation or disclosure is reasonably necessary to comply with legal process or protect the rights, property and/or safety of JDA, its affiliates or the public. Personal information collected by JDA may be stored and processed in the United States or any other country in which JDA or its agents maintain facilities. By using the Service, you consent to any such transfer of information outside of your country.

7. Disclaimer of Warranties

JDA and its affiliates, licensors, partners, suppliers, consultants and agents ("JDA Entities") disclaim any and all responsibility or liability for the accuracy, content, completeness, legality, reliability, or operability or availability of information or Content displayed on the Service. The JDA Entities disclaim any and all responsibility and liability for your conduct and for the conduct of others using the Service.

THE SERVICE, AND ALL CONTENT, INFORMATION (INCLUDING, WITHOUT LIMITATION, ANY INFORMATION OR CONTENT OBTAINED OR ACCESSED THROUGH THE SERVICE), PRODUCTS AND SERVICES INCLUDED THEREIN ARE PROVIDED "AS IS," WITH NO WARRANTIES WHATSOEVER. THE JDA ENTITIES EXPRESSLY DISCLAIM TO THE FULLEST EXTENT PERMITTED BY LAW ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS. Some states do not allow the exclusion or limitation of implied warranties, so the above disclaimers and exclusions may not apply to you.

YOU AGREE THAT YOUR USE OF THE SERVICES ARE ENTIRELY AT YOUR OWN RISK.

8. Hold Harmless and Indemnity

You agree to hold harmless and indemnify JDA from and against any third party claim arising from or in any way related to your use of the Service, including any liability or expense arising from all claims, losses, damages (actual and consequential), suits, judgments, litigation costs and attorneys' fees, of every kind and nature. In such a case, JDA will provide you with written notice of such claim, suit or action.

9. Limitation of Liability

UNDER NO CIRCUMSTANCES WILL JDA BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH USE OF THE SERVICE, WHETHER OR NOT JDA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SUCH LIMITATION OF LIABILITY SHALL APPLY (I) WHETHER THE DAMAGES ARISE FROM USE OR MISUSE OF AND RELIANCE ON THE SERVICE, FROM INABILITY TO USE THE SERVICE, OR FROM THE INTERRUPTION, SUSPENSION, OR TERMINATION OF THE SERVICE (INCLUDING SUCH DAMAGES INCURRED BY THIRD PARTIES), AND (II) NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY AND TO THE FULLEST EXTENT PERMITTED BY LAW. Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation and exclusions may not apply to you. UNDER NO CIRCUMSTANCES SHALL JDA BE LIABLE TO YOU FOR ANY AMOUNT EXCEEDING ONE THOUSAND DOLLARS ($1000.00).

10. Term and Termination

These Terms of Use will apply to your use of the Service. You may terminate your use of the Service immediately at any time, for any reason, by contacting customer support. We may terminate your use of the Service immediately at any time, for any reason, and at such time you will have no right to use the Service. Our proprietary rights, disclaimer of warranties, indemnities, limitations of liability and miscellaneous provisions shall survive any such termination.

11. Miscellaneous Provisions

These Terms of Use will be governed by and construed in accordance with the laws of the District of Columbia, without giving effect to its conflict of laws provisions or your actual state or country of residence. The parties agree to submit to the personal and exclusive jurisdiction of the courts located in the District of Columbia. If for any reason a court of competent jurisdiction finds any provision or portion of the Terms of Use to be unenforceable, the remainder of the Terms of Use will continue in full force and effect. You shall not assign these Terms of Use or assign any rights or delegate any obligations hereunder, in whole or in part, whether voluntarily or by operation of law, without our prior written consent. Any such purported assignment or delegation will be null and void and of no force or effect.

Without limiting the foregoing, under no circumstances shall JDA be held liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond its reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, floods, storms, explosions, acts of God, war, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.

These Terms of Use constitute the entire agreement between you and JDA with respect to the subject matter hereof and supersede and replace all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter. Any waiver of any provision of the Terms of Use by a party will be effective only if in writing and signed by a party.

This policy is effective as of July 1st, 2005.