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Terms and Conditions of Use - Updated May, 2010

Please carefully review these terms and conditions of use before using this site.  By accessing or using this website of Dynamic Benefit Systems, LLC (“DBS”), you acknowledge that you have read, understood and accept these terms and conditions.

Intellectual property

The entirety of the content in this site is a collective work owned by DBS and is protected by U.S. and international copyright laws.  Copyright 2010 Dynamic Benefit Systems, LLC.  All rights reserved.  All elements comprising this site, including without limitation, the text, site design, logos graphics, icons and images, as well as the selection, assembly and arrangement thereof are the sole property of DBS or its licensors, and are protected by U.S. and international copyright laws.  All software used in this site is the property of DBS or its licensors, and such software is also protected by U.S. and international copyright laws.  Permission is granted to electronically display and electronically copy and print hard copy portions of this site for your own non-commercial use or to interact with DBS through the site.  Any other use, including the reproduction, modification, distribution, transmission, republication, display or performance of any content of this site is strictly prohibited.

The trademarks, service marks, trade names, trade dress, logos, designs, and sounds associated with the site are owned by DBS or third parties who have authorized their use.

Disclaimer of warranty

THE SITE, ITS CONTENTS AND THE PRODUCTS AND SERVICES AVAILABLE ON THE SITE ARE PROVIDED ON AND “AS IS” AND “AS AVAILABLE” BASIS WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND.  DBS EXPRESSLY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, OF ANY KIND WITH RESPECT TO THE SITE, ITS USES AND THE PRODUCTS AND SERVICES OFFERED ON THE SITE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY,  FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, ACCURACY AND FREEDOM FROM COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS.   Some states do not allow the disclaimer or limitation of warranties, so the disclaimers set forth above may not apply to you.

Limitation of liability

IN NO EVENT SHALL DBS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SHAREHOLDERS, REPRESENTATIVES, SUPPLIERS OR CONTENT OR SERVICE PROVIDERS BE LIABLE FOR DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION, DIRECT, INDIRECT, COMPENSATORY, SPECIAL, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES EVEN IF MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN AN ACTION UNDER CONTRACT, NEGLIGENCE OR OTHER THEORY, ARISING OUT OF OR IN CONNECTION WITH THE USE, INABILITY TO USE OR PERFORMANCE OF THE SITE AND/OR ANY MATERIALS, PRODUCTS OR SERVICES AVAILABLE AT THE SITE.  Some states do not allow the disclaimer or limitation of damages, so the disclaimers set forth above may not apply to you.

Third party links and frames

DBS may provide links to websites operated by third parties. DBS makes no representations whatsoever about any third party websites that you may access through this site. DBS is not responsible for the privacy practices or the content of such websites.  DBS prohibits the framing of any materials available through this site. DBS reserves the right to disable any unauthorized frames and specifically disclaims any responsibility for the contents of any other websites linked to this site.

Communications with DBS

By sending DBS any ideas, comments, suggestions, questions or other material, you grant DBS an unrestricted, royalty-free, worldwide, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute such material in any manner, including in connection with DBS’s business, and you also agree that DBS is free to use any ideas, concepts, know-how or techniques that you send us for any purpose.

You agree that no comments or other information submitted by you to DBS will violate any personal or proprietary right of any third party (including, without limitation, copyright and trademark rights).  You agree that no comments or other information submitted by you to DBS will be libellous, obscene, harassing, abusive or otherwise unlawful.  You agree that you shall remain solely liable for the contents of any comments or other information submitted by you to DBS.

Users under age 13

The site is not intended for use by individuals under 13 years of age. Users under the age of 13 should get the assistance of a parent or guardian to use the DBS site.

Privacy policy

Please review DBS’s privacy policy for information on DBS’ privacy practices with respect to this site.

Indemnity

You agree to indemnify, defend, and hold harmless DBS, its officers, directors, employees, agents, shareholders, representatives, suppliers and content and service providers from and against all losses, expenses, damages and costs, including reasonable attorneys fees, resulting from any violation of these terms and conditions or any activity related to your account with DBS (including negligent or wrongful conduct) by you or any other person accessing the site using your Internet account, DBS site user name or account password.

Applicable law

You use of the site shall be governed by the laws of the State of Wisconsin without regard to its choice of law principles.  You agree to submit to the personal jurisdiction of the state and federal courts located in Wisconsin with respect to any legal proceedings arising out of these terms and conditions or your use of the DBS site.  Any cause of action or claim you may have with respect to the DBS site (including without limitation your purchase of DBS products or services) must be commenced within one (1) year after the cause of action or claim arises.

Changes to the site

DBS reserves the right to terminate access to the site, and to make additions, deletions or modifications to the site and those products and services offered at the site at any time without prior notice to you.

About these terms and conditions

These terms and conditions were posted on the date set forth above. DBS reserves the right to change, alter or modify these terms and conditions for any reason at any time. When we do so, changes in these terms and conditions will posted on our site and will be effective immediately. If you are a regular visitor to this site, we recommend that you check these terms and conditions on a regular basis.

Contact Information

If you ever have any questions about these terms and conditions, please contact us. We will be happy to answer any questions or concerns you might have.