Simplify your financial life by registering now.
A range of services, products and/or other information is available on this Site. Some services may result in a fee and additional Terms and Conditions will apply to such services. Not all products and/or services described on the Site are available in all geographic areas. You may not be eligible to use all of the products and/or services; we reserve the right to determine, and change from time to time, the eligibility requirements for any products or services as permitted by law.
We are pleased to grant you a limited, revocable license to the content and tools available on the Site subject to your strict compliance with these Terms.
Your use of this Site is subject to all applicable laws and regulations and you agree not use this Site in a way that is unlawful, harmful, threatening, abusive, or otherwise objectionable, as determined by us in our sole discretion. You agree to abide by the Intellectual Property terms discussed in the section below and that you will not:
Should you violate any of the above provisions, you agree that we may at any time and at our sole discretion terminate your access to services available on this Site without prior notice. You also acknowledge that we will cooperate fully with investigations into violations of systems or network security and that legal action may be taken.
All of the content available on this Site is owned or licensed by us and is protected from unauthorized reproduction and dissemination by federal and international trademark and copyright laws. Without our prior written authorization, you are prohibited from:
All materials and services on this Site are provided on an "as is" and "as available" basis without warranty of any kind, either express or implied. This includes, but is not limited to: (1) the implied warranties of merchantability or fitness for a particular purpose; and (2) the warranty of non-infringement.
Without limiting any of the above, we make no warranty that:
This Site could include technical or other mistakes, inaccuracies or typographical errors. We may make changes to the materials and services on this Site, including the prices and descriptions of any products or services listed herein, at any time without notice. The materials or services on this Site may be out of date, and we make no commitment to update such materials or services.
As for third party content and links made available on this Site, the associated material represents the opinions and judgments of the third party only. We do not endorse, nor are we responsible for the accuracy or reliability of any opinion, advice, or statement made by anyone other than our authorized spokesperson speaking in his/her official capacity.
Prior to relying on any legal, accounting, or other professional advice or information obtained on or through this Site, we urge you to consult an appropriate professional licensed in your jurisdiction.
Some states or jurisdictions do not allow the exclusion of certain warranties, so some of the above limitations may not apply to you.
In no event shall we or our affiliates be liable to you or any third party for any damages whatsoever, including without limitation, direct, special, punitive, incidental, indirect or consequential damages, including, without limitation, those resulting from loss of use, data or profits, whether or not we have been advised of the possibility of such damages, and on any theory of liability, arising out of or in connection with the use of this Site or of any website referenced or linked to or from this Site.
Some jurisdictions prohibit the exclusion or limitation of liability for consequential or incidental damages, so the above limitations may not apply to you.
Upon our request, you agree to defend, indemnify, and hold us and our affiliates harmless from all liabilities, claims, and expenses, including attorneys' fees, which arise from your use or misuse of this Site. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.
Although this Site may be accessible worldwide, we make no representation that materials and services available on this Site are appropriate for use in locations outside the United States. Those who choose to access this Site from outside the United States are responsible for compliance with local laws. Any offer for any product, service, and/or information made in connection with this Site is void where prohibited.
You agree that we may, in our sole discretion, terminate or suspend your access to all or part of this Site with or without notice and for any reason, including, without limitation, breach of these Terms. Any suspected fraudulent, abusive or illegal activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities.
We control this Site (excluding any linked sites) from our offices in the State of Florida, United States of America. It can be accessed from all 50 states and from countries around the world. As each of these places has laws that may differ from those of Florida, you agree that the statutes and laws of the State of Florida, and the United States, will apply without regard to the conflict of law provisions to all matters relating to the use of this Site, including the purchase of products and/or services available through this Site.
We may send notices to you by fax, U.S. mail or email. All notices to us must be in writing and sent to:
Client Service Manager
10 Waterview Boulevard, Parsippany, NJ 07054
A notice is deemed delivered to a party (1) on the delivery date if delivered personally to the party; (2) two business days after deposit with a commercial overnight carrier, with written verification of receipt; (3) five business days after the mailing date, if sent by US mail, return receipt requested; (4) on the delivery date if transmitted by confirmed fax; or (5) on the delivery date if transmitted by confirmed email.
Note: From time to time, we may provide notices to you on the Site itself. For instance, we might notify you of changes to this Site through text or graphics we post on the Site. You understand and agree that those notices constitute reasonable and adequate notice to you.
These Terms constitute the entire agreement and understanding between us concerning the subject matter hereof and supersede all relevant prior agreements and understandings. These Terms may be supplemented by the Terms and Conditions applicable to our other services and where Terms and Conditions for a specific service deviate from these Terms, the Terms and Conditions prevail with regard to that service.
In any action to enforce these Terms, the prevailing party will be entitled to its costs and attorneys' fees. Any cause of action brought by you against us or our affiliates must be instituted within one year after the cause of action arises or be deemed forever waived and barred.
In addition to any excuse provided by applicable law, we shall be excused from liability for non-delivery or delay in delivery of products and services available through our Site arising from any event beyond our reasonable control, whether or not foreseeable by either party, including but not limited to, labor disturbance, war, fire, accident, adverse weather, inability to secure transportation, governmental act or regulation, and other causes or events beyond our reasonable control, whether or not similar to those which are enumerated above.
If any part of these Terms is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.
Any failure by us to enforce or exercise any provision of these Terms or related rights shall not constitute a waiver of that right or provision.