Terms Of Use

HRInsider®, (the "Site"), is operated by BenLab LLC and United Benefit Advisors LLC (UBA), on behalf of UBA members. It is intended for your information, education and communication. Please feel free to browse the Site; however, your access and use of the Site is subject to the following Terms of Service ("Terms of Use") and all applicable laws. By accessing and browsing the Site, you accept, without limitation or qualification, the Terms of Service.

UBA and its members reserve the right, at its sole discretion, to change, modify or otherwise alter these terms and conditions at any time. Changes and/or modifications shall become effective immediately upon the posting. Please review these Terms of Service periodically. Your continued use of the Site following the posting of changes and/or modifications will constitute your acceptance of these Terms of Service.

USE OF MATERIALS CONTAINED ON THIS SITE

The Site contains material that is derived in whole or in part from material supplied by BenLab LLC, United Benefit Advisors LLC, CCH Incorporated or your UBA Member Firm and other sources, and is protected by U.S. and international copyright and trademark laws. No material (including but not limited to the text, images, audio and/or video) and no software (including but not limited to any images or files incorporated in or generated by the software or data accompanying such software) (individually and collectively the "Materials") shall be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way or decompiled, reverse engineered or disassembled, without providing all copyright, attribution, and other proprietary notices. Modification of the Materials or use of the Materials for any other purpose is a violation of BenLab LLC, United Benefit Advisors LLC or your UBA Member Firm 's or such other sources' copyright, trademark and other proprietary rights. The use of any such Materials on any other web site or networked computer environment without express written consent is prohibited.

The information provided in this site is for informational purposes only and should not be construed as legal advice. You are strongly urged to consult with your own legal counsel or other professional advisors to discuss specific facts and circumstances which apply to your situation. Although extensive efforts are made to ensure the quality of the information, BenLab LLC, United Benefit Advisors LLC, CCH Incorporated or your UBA Member Firm does not, and cannot, make warranties or guarantees, express or implied, regarding the information provided.

SUBLICENSED CONTENT

Portions of this site are sublicensed from CCH Incorporated. These portions are property of CCH Incorporated. Users granted access to this content have only limited license to retrieve and view this information. Users of this site may not sublicense, sell or in any way distribute this information to others. Furthermore, users of this site shall not grant access to this site or the information contained within to any other party. UBA Member Firms who have licensed content for their clients may do so as expressly provided by CCH in their agreement with UBA. A copy of this agreement is available to a subscribing Member Firm upon request.

HYPERLINKS TO THIRD PARTY SITES (Outside sites)

The appearance of external hyperlinks does not constitute endorsement by BenLab LLC, United Benefit Advisors LLC or your UBA Member Firm, its partners, subsidiaries and affiliates of the opinions or views expressed by these linked websites and BenLab LLC, United Benefit Advisors LLC or your UBA Member Firm does not verify, endorse, or take responsibility for the accuracy, currency, completeness or quality of the content contained in these sites. Furthermore, BenLab LLC, United Benefit Advisors LLC or your UBA Member Firm is not responsible for the quality or delivery of the products or services offered, accessed, obtained by or advertised by such sites. As such, neither BenLab LLC, United Benefit Advisors LLC or your UBA Member Firm nor any of its partners, subsidiaries and affiliates will be responsible for any errors or omissions or for the results obtained from the use of such information contained in these sites. To the extent that these sites collect personal information or postings from the end user, be advised that in no event shall BenLab LLC, United Benefit Advisors LLC or your UBA Member Firm assume or have any responsibility or liability for the manner in which such information or postings are exploited or for any claims, damages, or losses resulting from their use and/or appearance on these sites. Finally, BenLab LLC, United Benefit Advisors LLC or your UBA Member Firm will under no circumstances be liable for any direct, indirect, incidental or special loss or other damage, whether arising from negligence, breach of contract, defamation, infringement of copyright or other intellectual property rights, caused by the exhibition, distribution or exploitation of any information or content contained within these sites.

DISCLAIMER OF WARRANTY; LIMITATION OF LIABILITY

(A) USER EXPRESSLY AGREES THAT USE OF THE SITE IS AT USER'S SOLE RISK. NEITHER BENLAB LLC, UNITED BENEFIT ADVISORS LLC OR YOUR UBA MEMBER FIRM, ITS AFFILIATES NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SITE, OR AS TO THE ACCURACY, RELIABILITY OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE SITE.

(B) THE SITE IS PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES WHICH ARE IMPLIED BY AND INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT.

(C) THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. USER SPECIFICALLY ACKNOWLEDGES THAT BENLAB LLC, UNITED BENEFIT ADVISORS LLC OR YOUR UBA Member Firm IS NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD-PARTIES AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH USER.

(D) IN NO EVENT WILL UNITED BENEFIT ADVISORS LLC, BENLAB LLC, OR ANY PERSON OR ENTITY INVOLVED IN CREATING, PRODUCING OR DISTRIBUTING THE SITE BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE SITE. USER HEREBY ACKNOWLEDGES THAT THE PROVISIONS OF THIS SECTION SHALL APPLY TO ALL CONTENT ON THE SITE.

(E) IN ADDITION TO THE TERMS SET FORTH ABOVE, NEITHER BENLAB LLC, UNITED BENEFIT ADVISORS LLC OR YOUR UBA MEMBER FIRM, NOR ITS AFFILIATES, INFORMATION PROVIDERS OR CONTENT PARTNERS SHALL BE LIABLE REGARDLESS OF THE CAUSE OR DURATION, FOR ANY ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN, OR UNTIMELINESS OR UNAUTHENTICITY OF, THE INFORMATION CONTAINED WITHIN THE SITE, OR FOR ANY DELAY OR INTERRUPTION IN THE TRANSMISSION THEREOF TO THE USER, OR FOR ANY CLAIMS OR LOSSES ARISING THEREFROM OR OCCASIONED THEREBY. NONE OF THE FOREGOING PARTIES SHALL BE LIABLE FOR ANY THIRD-PARTY CLAIMS OR LOSSES OF ANY NATURE, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, PUNITIVE OR CONSEQUENTIAL DAMAGES. NEITHER BENLAB LLC, UNITED BENEFIT ADVISORS LLC OR YOUR UBA MEMBER FIRM, NOR ITS AFFILIATES, INFORMATION PROVIDERS OR CONTENT PARTNERS WARRANT OR GUARANTEE THE TIMELINESS, SEQUENCE, ACCURACY OR COMPLETENESS OF THIS INFORMATION. ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE RESULTS OBTAINED FROM THE USE OF THE INFORMATION.