Terms of Use

I. Introduction

These Terms of Use govern your access and use of the websites of Welfare & Pension Administration Service, Inc., and its affiliates and subsidiaries (WPAS, Inc.)

II. Acceptance of Terms

These websites are the property of WPAS, Inc. By linking, referencing, using or accessing websites of WPAS, Inc., you agree to these Terms and Conditions, including agreeing to indemnify and hold harmless WPAS, Inc. from all claims of any nature. These Terms and Conditions may be changed at any time at the sole discretion of WPAS, Inc. These Terms and Conditions pertain to all websites of WPAS, Inc., including websites owned, operated or sponsored by any of the subsidiaries or affiliates of WPAS, Inc.

III. Secure Websites

By using, accessing or attempting to access websites of WPAS, Inc. that require the use of Passwords, Personal Identification Numbers (PINs) or any other method of authentication or any combination of authentication methods (these are defined as "secure websites"), you are certifying you are the person legally associated with the passwords, PINs or method(s) of authentication being used. Unauthorized access or use or attempts to access or use secure websites of WPAS, Inc. is prohibited and may violate federal and/or state law. WPAS, Inc. may report unauthorized access, use or attempts to access or use to law enforcement.

IV. Privacy

All personal information is subject to the privacy policy of WPAS, Inc., which may be accessed by clicking on the Privacy links on any page.

V. No Legal or Investment Advice; Calculators/calculations

Content of the websites of WPAS, Inc. should not be construed to be legal or investment advice. Users are responsible for obtaining their own competent legal and investment advice from qualified providers at their own expense.

Retirement and/or financial calculators/calculations that may be provided within these websites are provided solely for you to estimate hypothetical future financial or retirement status. You are responsible for the accuracy of any estimates and should not rely solely on these calculators. Seek advice from qualified providers before you make any investment or retirement decisions.

VI. Links to Other Sites - Limitation of Liability

WPAS, Inc. may provide, or third parties may provide, for your convenience and information only, links to other websites. Because WPAS, Inc. does not have control over these sites, you agree that WPAS, Inc. is not responsible for any liability resulting from the access or use of sites not owned by WPAS, Inc. and that WPAS, Inc. is not responsible for any content, advertising, product, or any other matter or issue, available through the Internet, whether linked to, or from, websites of WPAS, Inc.. Further, you agree that WPAS, Inc. 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 the use of websites WPAS, Inc. owns.

VII. Monitoring

WPAS, Inc. reserves the right to monitor your access and use of its websites without notification to you.

VIII. Indemnification

By linking, referencing, using or accessing websites of WPAS, Inc., you agree to these Terms of Use, including agreeing to defend, indemnify and hold harmless WPAS, Inc., its officers, directors, employees, agents, licensors, suppliers and any other third party, without limitation, against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of these "Terms of Use".

IX. Limitation of Liability

You agree that your access to, and use of, the websites of WPAS, Inc. and the content thereof is at your risk. You agree, that under no circumstances shall WPAS, Inc. be liable for any direct, indirect, incidental, special, consequential, punitive or exemplary damages arising from viruses, worms, trojan horses or other code that has contaminating or destructive properties or your referencing, using, accessing, inability to use or access or linking to or from the websites of WPAS, Inc. or any errors or omissions in the content thereof.

If you are dissatisfied with this website, or any portion thereof, your exclusive remedy shall be to cease using the website.

X. Governing Law; Severability

The laws of the State of Washington govern these Terms of Use. You agree that your referencing, using or accessing websites of WPAS, Inc. constitutes your acceptance of the jurisdiction of State of Washington

In the event any of the provisions of these Terms of Use shall be determined by a court of competent jurisdiction to be invalid, any such provision determined to be invalid shall not affect the validity of all remaining provisions.