Last Updated Date: February 24, 2022

‍PLEASE READ THIS TERMS OF USE AGREEMENT (THE “TERMS OF USE”) CAREFULLY.  THIS WEBSITE AND ANY OTHER WEBSITES OF PACEIT, INC., d/b/a PENSIONPLUS (“PensionPlus”), ITS AFFILIATES OR AGENTS (COLLECTIVELY, THE “WEBSITE”) AND THE INFORMATION ON IT ARE CONTROLLED BY PENSIONPLUS.  THESE TERMS OF USE GOVERN THE USE OF THE WEBSITE AND APPLY TO ALL INTERNET USERS VISITING THE WEBSITE.  BY ACCESSING OR USING THE WEBSITE IN ANY WAY, INCLUDING USING THE SERVICES AND RESOURCES AVAILABLE OR ENABLED VIA THE WEBSITE (EACH INCLUDING THE WEBSITE A “SERVICE” AND COLLECTIVELY, THE “SERVICES”).  BY CLICKING ON THE “I ACCEPT” BUTTON, COMPLETING THE REGISTRATION PROCESS, AND/OR BROWSING THE WEBSITE, YOU REPRESENT THAT (1) YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THE TERMS OF USE, (2) YOU ARE OF LEGAL AGE TO FORM A BINDING CONTRACT WITH PENSIONPLUS, AND (3) YOU HAVE THE AUTHORITY TO ENTER INTO THE TERMS OF USE PERSONALLY OR ON BEHALF OF THE ENTITY YOU HAVE NAMED AS THE USER, AND TO BIND THAT ENTITY TO THE TERMS OF USE.  THE TERM “YOU” REFERS TO THE INDIVIDUAL OR LEGAL ENTITY, AS APPLICABLE, IDENTIFIED AS THE USER WHEN YOU REGISTERED ON THE WEBSITE.  IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS OF USE, YOU MAY NOT ACCESS OR USE THIS WEBSITE OR THE SERVICES.IF YOU SUBSCRIBE TO THE SERVICES FOR A TERM (THE “INITIAL TERM”), THEN THE TERMS WILL BE AUTOMATICALLY RENEWED FOR ADDITIONAL PERIODS OF THE SAME DURATION AS THE INITIAL TERM AT PENSIONPLUS’S THEN-CURRENT FEE FOR SUCH SERVICES UNLESS YOU OPT OUT OF THE AUTO-RENEWAL IN ACCORDANCE WITH SECTION 7.6 (AUTOMATIC RENEWAL) BELOW. PLEASE BE AWARE THAT SECTION 15 (DISPUTE RESOLUTION) OF THIS AGREEMENT, BELOW, CONTAINS PROVISIONS GOVERNING HOW DISPUTES THAT YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED, INCLUDING, WITHOUT LIMITATION, ANY DISPUTES THAT AROSE OR WERE ASSERTED PRIOR TO THE EFFECTIVE DATE OF THIS AGREEMENT.  IN PARTICULAR, IT CONTAINS AN ARBITRATION AGREEMENT WHICH WILL, WITH LIMITED EXCEPTIONS, REQUIRE DISPUTES BETWEEN US TO BE SUBMITTED TO BINDING AND FINAL ARBITRATION.  UNLESS YOU OPT OUT OF THE ARBITRATION AGREEMENT: (1) YOU WILL ONLY BE PERMITTED TO PURSUE DISPUTES OR CLAIMS AND SEEK RELIEF AGAINST US ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING; AND (2) YOU ARE WAIVING YOUR RIGHT TO PURSUE DISPUTES OR CLAIMS AND SEEK RELIEF IN A COURT OF LAW AND TO HAVE A JURY TRIAL.  ANY DISPUTE, CLAIM OR REQUEST FOR RELIEF RELATING IN ANY WAY TO YOUR USE OF THE SITE WILL BE GOVERNED AND INTERPRETED BY AND UNDER THE LAWS OF THE STATE OF CALIFORNIA, CONSISTENT WITH THE FEDERAL ARBITRATION ACT, WITHOUT GIVING EFFECT TO ANY PRINCIPLES THAT PROVIDE FOR THE APPLICATION OF THE LAW OF ANY OTHER JURISDICTION.  THE UNITED NATIONS CONVENTION ON CONTRACTS FOR THE INTERNATIONAL SALE OF GOODS IS EXPRESSLY EXCLUDED FROM THIS AGREEMENT. PLEASE BE AWARE THAT SECTION 2.4 (PENSIONPLUS COMMUNICATIONS) OF THIS AGREEMENT, BELOW, CONTAINS YOUR OPT-IN CONSENT TO RECEIVE COMMUNICATIONS FROM US, INCLUDING VIA E-MAIL, TEXT MESSAGE, CALLS AND PUSH NOTIFICATION.PENSIONPLUS PROVIDES SERVICES TO HELP YOU PLAN YOUR FINANCES IN RETIREMENT.  HOWEVER, NEITHER PENSIONPLUS NOR OUR SERVICES GIVE, OFFER OR RENDER INVESTMENT, TAX, OR LEGAL ADVICE.  BEFORE MAKING FINANCIAL OR INVESTMENT DECISIONS, WE RECOMMEND THAT YOU CONTACT AN INVESTMENT ADVISOR, OR TAX OR LEGAL PROFESSIONAL. PENSIONPLUS DOES NOT GUARANTEE THAT THE PAYCHECK WILL MEET YOUR FINANCIAL NEEDS IN ALL CIRCUMSTANCES OR THAT YOUR PAYCHECK WILL LAST FOR YOUR ENTIRE LIFETIME.Your use of, and participation in, certain Services may be subject to additional terms (“Supplemental Terms”) and such Supplemental Terms will either be listed in the Terms of Use or will be presented to you for your acceptance when you sign up to use the supplemental Service.  If the Terms of Use are inconsistent with the Supplemental Terms, the Supplemental Terms shall control with respect to such Service.  The Terms of Use and any applicable Supplemental Terms are referred to herein as the “Agreement.”PLEASE NOTE THAT THE AGREEMENT IS SUBJECT TO CHANGE BY PENSIONPLUS IN ITS SOLE DISCRETION AT ANY TIME.  When changes are made, PensionPlus will make a new copy of the Terms of Use Agreement available at the Website and within the Application and any new Supplemental Terms will be made available from within, or through, the affected Service on the Website or within the Application.  We will also update the “Last Updated” date at the top of the Terms of Use Agreement.  If we make any material changes, and you have registered with us to create an Account (as defined in Section 3.1 (Registering Your Account) below) we will also send an e-mail to you at the last e-mail address you provided to us pursuant to the Agreement.  Any changes to the Agreement will be effective immediately for new users of the Website, the Application and/ or Services and will be effective thirty (30) days after posting notice of such changes on the Website for existing Registered Users, provided that any material changes shall be effective for Registered Users who have an Account with us upon the earlier of thirty (30) days after posting notice of such changes on the Website or thirty (30) days after dispatch of an e-mail notice of such changes to Registered Users (defined in Section 3.1 (Registering Your Account) below).  PensionPlus may require you to provide consent to the updated Agreement in a specified manner before further use of the Website, the Application and/ or the Services is permitted.  If you do not agree to any change(s) after receiving a notice of such change(s), you shall stop using the Website, the Application and/or the Services.  Otherwise, your continued use of the Website, the Application and/or Services constitutes your acceptance of such change(s).  PLEASE REGULARLY CHECK THE WEBSITE TO VIEW THE THEN-CURRENT TERMS.
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‍1.              DESCRIPTION OF THE SERVICES; DISCLAIMER. The Services consist of PensionPlus’s proprietary solution that enables individuals to improve their financial situation in retirement by evaluating asset allocations, identifying risk factors that may impact their financial wellbeing, and helping facilitate a schedule of withdrawals from retirement accounts that simulates a regular paycheck (“Paycheck”).  The Services may include the following:

‍1.1           Visualization.  Information about your current financial situation, including without limitation your current assets and liabilities (“Financial Account Information”) and projected Social Security information, as provided to PensionPlus by you and/or through account linking, is used to display your financial health.  Financial visualizations may include graphs, projections, and other financial account data that we present to you, helping you to understand your financial situation in retirement at a glance.

‍1.2           PensionPlus Paychecks.  Your Financial Account Information, along with additional personal and financial information you may choose to provide to us, will be used by PensionPlus to calculate a Paycheck.  The utility of the Paycheck, which includes a calculation of the optimal monthly withdrawal for you from a third-party financial account in accordance with your Financial Account Information and stated retirement planning goals, is dependent on the accuracy and timely provision of your Financial Account Information, including any updates thereto.  The Paycheck may be updated annually or from time to time in accordance with changes to your Financial Account Information, information from our third-party sources, and other information.  Your third-party financial institutions may limit or restrict the number of changes you can make in connection with your withdrawals from accounts at such institutions.

‍1.3           Account Linking.  We may offer aggregation of your financial accounts into your PensionPlus Account, where PensionPlus will use Third-Party Services (as defined below) to retrieve your financial account information from your designated financial institutions, such as your account balances, transactions and holdings.

‍1.4           Referrals.  You may elect to receive recommendations from our partners, including our marketing partners, based on the information you provide to us through the Services.

‍1.5           Disclaimers.  When you use the Services, you understand and acknowledge that PensionPlus is not a financial advisor and that the Services may not meet your needs.  The financial insights provided by PensionPlus rely in part on (i) the accuracy of your Financial Account Information; (ii) data provided by third parties, including without limitation your third-party financial institution(s) and our suppliers; and (iii) historical market data that may not be applicable in all scenarios.  All investments entail a risk of loss and your use of the Services and/or your Paycheck may not meet your financial needs.  While the insights we provide may assist in helping you manage your retirement finances, you should consult with a professional investment advisor before making investment decisions or deciding on significant changes to your personal financial strategy.  PensionPlus may not be able foresee or anticipate technical or other difficulties which may result in data loss or other service interruptions.  PensionPlus encourages you to periodically confirm the valuation or execution price of your investments through independent sources, such as an investment adviser, broker-dealer or other financial institution.  PensionPlus does not guarantee that the Paycheck will meet your needs in all circumstances or that your investments will survive your retirement period. PensionPlus’s default Paycheck recommendation is calculated to allow a 5% risk of outliving your retirement funds. You may be able to customize your Paycheck recommendation using personalization features through the Services.

‍2.              USE OF THE SERVICES.  The Services are protected by copyright laws throughout the world.  Subject to the Agreement, PensionPlus grants you a limited license to reproduce portions of Services for the sole purpose of using the Services for your personal use.  Unless otherwise specified by PensionPlus in a separate license, your right to use any and all Services is subject to this Agreement.

‍2.1           Updates.  You understand that Services are evolving.  As a result, PensionPlus may require you to accept updates to Services that you have installed on your computer or mobile device.  You acknowledge and agree that PensionPlus may update Services with or without notifying you.  You may need to update third-party software from time to time in order to use Services.

‍2.2           Certain Restrictions.  The rights granted to you in the Agreement are subject to the following restrictions: (a) you shall not license, sell, rent, lease, transfer, assign, reproduce, distribute, host or otherwise commercially exploit the Services or any portion of the Services, including the Website; (b) you shall not frame or utilize framing techniques to enclose any trademark, logo, or other Services (including images, text, page layout or form) of PensionPlus; (c) you shall not use any metatags or other “hidden text” using PensionPlus’s name or trademarks;(d) you shall not modify, translate, adapt, merge, make derivative works of, disassemble, decompile, reverse compile or reverse engineer any part of the Services except to the extent the foregoing restrictions are expressly prohibited by applicable law; (e) you shall not use any manual or automated software, devices or other processes (including but not limited to spiders, robots, scrapers, crawlers, avatars, data mining tools or the like) to “scrape” or download data from any web pages contained in the Website (except that we grant the operators of public search engines revocable permission to use spiders to copy materials from the Website for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials); (f) except as expressly stated herein, no part of the Services may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means; and (h) you shall not remove or destroy any copyright notices or other proprietary markings contained on or in the Services.  Any future release, update or other addition to the Services shall be subject to the Agreement.  PensionPlus, its suppliers and service providers reserve all rights not granted in the Agreement.  Any unauthorized use of the Services may terminate the licenses granted by PensionPlus pursuant to the Agreement.

‍2.3           PensionPlus Communications.  By entering into this Agreement or using the Services, you agree to receive communications from us, including via e-mail, text message, calls, and push notifications.  You agree that texts, calls or prerecorded messages may be generated by automatic telephone dialing systems.  Communications from us and our affiliated companies may include but are not limited to: operational communications concerning your Account or the use of the Services, updates concerning new and existing features on the Services, communications concerning promotions run by us or our third-party partners, and news concerning the PensionPlus and industry developments.  

‍3.              REGISTRATION.

3.1           Registering Your Account.  In order to access certain features of Services you may be required to become a Registered User.  For purposes of the Agreement, a “Registered User” is a user who has registered an account through the Services (“Account”).

‍3.2           Registration Data.  In registering an account through the Services, you agree to (a) provide true, accurate, current and complete information about yourself as prompted by the registration form (the “Registration Data”); and (b) maintain and promptly update the Registration Data to keep it true, accurate, current and complete.  You represent that you are (i) at least eighteen (18) years old; (ii) of legal age to form a binding contract; and (iii) not a person barred from using Services under the laws of the United States, your place of residence or any other applicable jurisdiction.  You acknowledge and agree that the Services will only function properly and provide usable results if the Registration Data and other Financial Account Information is accurate and complete.  You are responsible for all activities that occur under your Account.  You agree that you shall monitor your Account to restrict use by minors, and you will accept full responsibility for any unauthorized use of Services by minors.  You may not share your Account or password with anyone, and you agree to (y) notify PensionPlus immediately of any unauthorized use of your password or any other breach of security; and (z) exit from your Account at the end of each session.  If you provide any information that is untrue, inaccurate, not current or incomplete, or PensionPlus has reasonable grounds to suspect that any information you provide is untrue, inaccurate, not current or incomplete, PensionPlus has the right to suspend or terminate your Account and refuse any and all current or future use of the Services (or any portion thereof).  You agree not to create an Account using a false identity or information, or on behalf of someone other than yourself.  You agree that you shall not have more than one Account per platform at any given time.  PensionPlus reserves the right to remove or reclaim any usernames at any time and for any reason, including but not limited to, claims by a third party that a username violates the third party’s rights.  You agree not to create an Account or use the Services if you have been previously removed by PensionPlus, or if you have been previously banned from any of the Services.

‍3.3           Your Account.  Notwithstanding anything to the contrary herein, you acknowledge and agree that you shall have no ownership or other property interest in your Account, and you further acknowledge and agree that all rights in and to your Account are and shall forever be owned by and inure to the benefit of PensionPlus.

‍3.4           Necessary Equipment and Software.  You must provide all equipment and software necessary to connect to the Services, including but not limited to, a mobile device that is suitable to connect with and use the Services as applicable.  You are solely responsible for any fees, including Internet connection or mobile fees, that you incur when accessing the Services.  

‍4.              RESPONSIBILITY FOR CONTENT.

4.1           Types of Content.  You acknowledge that all data, information, and other content (“Content”), including the Services, is the sole responsibility of the party from whom such Content originated.  This means that you, and not PensionPlus, are entirely responsible for all Content that you upload, post, e-mail, transmit or otherwise make available (“Make Available”) through Services (“Your Content”).

‍4.2           No Obligation to Pre-Screen Content. You acknowledge that PensionPlus has no obligation to pre-screen Content, although PensionPlus reserves the right in its sole discretion to pre-screen, refuse or remove any Content.  By entering into the Agreement, you hereby provide your irrevocable consent to such monitoring.  You acknowledge and agree that you have no expectation of privacy concerning the transmission of Your Content, including without limitation chat, text, or voice communications.  In the event that PensionPlus pre-screens, refuses or removes any Content, you acknowledge that PensionPlus will do so for PensionPlus’s benefit, not yours.  Without limiting the foregoing, PensionPlus shall have the right to remove any Content that violates the Agreement or is otherwise objectionable.

‍4.3           Storage.  Unless expressly agreed to by PensionPlus in writing elsewhere, PensionPlus has no obligation to store any of Your Content that you Make Available on Services.  PensionPlus has no responsibility or liability for the deletion or accuracy of any Content, including Your Content; the failure to store, transmit or receive transmission of Content; or the security, privacy, storage, or transmission of other communications originating with or involving use of Services.  Certain Services may enable you to specify the level at which such Services restrict access to Your Content.  You are solely responsible for applying the appropriate level of access to Your Content.  If you do not choose, the system may default to its most permissive setting.  You agree that PensionPlus retains the right to create reasonable limits on PensionPlus’s use and storage of the Content, including Your Content, such as limits on file size, storage space, processing capacity, and similar limits described on the Website and as otherwise determined by PensionPlus in its sole discretion.

‍5.              OWNERSHIP.

5.1           Services.  Except with respect to Your Content and User Content, you agree that PensionPlus and its suppliers own all rights, title and interest in Services including but not limited to, any computer code, themes, objects, concepts, artwork, animations, sounds, methods of operation, moral rights, documentation, and software.  You will not remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying any Services.

‍5.2           Trademarks.  PensionPlus’s stylized name and all related graphics, logos, service marks and trade names used on or in connection with any Services or in connection with the Services are the trademarks of PensionPlus and may not be used without permission in connection with your, or any third-party, products or services.  Other trademarks, service marks and trade names that may appear on or in Services are the property of their respective owners.

‍5.3           Your Content.  PensionPlus does not claim ownership of Your Content.  However, when you as a Registered User provide Your Content on or in the Services, you represent that you own and/or have a royalty-free, perpetual, irrevocable, worldwide, non-exclusive right (including any moral rights) and license to use, license, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, derive revenue or other remuneration from, and communicate to the public, perform and display Your Content (in whole or in part) worldwide and/or to incorporate it in other works in any form, media or technology now known or later developed, for the full term of any worldwide intellectual property right that may exist in Your Content.  

‍5.4           License to Your Content.  Subject to any applicable account settings that you select, you grant PensionPlus a fully paid, royalty-free, perpetual, irrevocable, worldwide, royalty-free, non-exclusive and fully sublicensable right (including any moral rights) and license to use, license, distribute, reproduce, modify, adapt, publicly perform, and publicly display Your Content (in whole or in part) for the purposes of: (i) operating and providing Services to you; (ii) improving the Services; and (iii) developing new products and services.  You agree that you, not PensionPlus, are responsible for all of Your Content that you Make Available on or in Services.  

‍5.5           Username.  Notwithstanding anything contained herein to the contrary, by submitting Your Content to any forums, comments, or any other area on Services, you hereby expressly permit PensionPlus to identify you by your username (which may be a pseudonym) as the contributor of Your Content in any publication in any form, media or technology now known or later developed in connection with Your Content.

‍5.6           Feedback.  You agree that submission of any ideas, suggestions, documents, and/or proposals to PensionPlus through its suggestion, feedback, wiki, forum, or similar pages (“Feedback”) is at your own risk and that PensionPlus has no obligations (including without limitation obligations of confidentiality) with respect to such Feedback.  You represent and warrant that you have all rights necessary to submit the Feedback.  You hereby grant to PensionPlus a fully paid, royalty-free, perpetual, irrevocable, worldwide, non-exclusive, and fully sublicensable right and license to use, reproduce, perform, display, distribute, adapt, modify, re-format, create derivative works of, and otherwise commercially or non-commercially exploit in any manner, any and all Feedback, and to sublicense the foregoing rights, in connection with the operation and maintenance of Services and/or PensionPlus’s business.

‍6.              USER CONDUCT.  As a condition of use, you agree not to use Services for any purpose that is prohibited by this Agreement or by applicable law.  You shall not (and shall not permit any third party) either (a) take any action or (b) Make Available any Content on or through Services that: (i) infringes any patent, trademark, trade secret, copyright, right of publicity or other right of any person or entity; (ii) is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another’s privacy, tortious, obscene, offensive, or profane; (iii) constitutes unauthorized or unsolicited advertising, junk or bulk e-mail; (iv) involves commercial activities and/or sales, such as contests, sweepstakes, barter, advertising, or pyramid schemes without PensionPlus’s prior written consent; (v) impersonates any person or entity, including any employee or representative of PensionPlus; (vi) interferes with or attempt to interfere with the proper functioning of Services or uses Services in any way not expressly permitted by this Agreement; or (vii) attempts to engage in or engage in, any potentially harmful acts that are directed against Services, including but not limited to violating or attempting to violate any security features of Services, using manual or automated software or other means to access, “scrape,” “crawl” or “spider” any pages contained in Services, introducing viruses, worms, or similar harmful code into Services, or interfering or attempting to interfere with use of Services by any other user, host or network, including by means of overloading, “flooding,” “spamming,” “mail bombing,” or “crashing” Services.

‍7.              FEES AND PURCHASE TERMS.

7.1           General Purpose of Agreement: Sale of Service, not Software.  The purpose of the Agreement is for you to secure access to the Services.  All fees set forth within and paid by you under the Agreement shall be considered solely in furtherance of this purpose.  In no way are these fees paid considered payment for the sale, license, or use of any of PensionPlus’s Software, and, furthermore, any use of PensionPlus’s Software by you in furtherance of the Agreement will be considered merely in support of the purpose of the Agreement.

‍7.2           Payment.  You agree to pay all fees or charges to your Account in accordance with the fees, charges and billing terms in effect at the time a fee or charge is due and payable.  You must provide PensionPlus with a valid credit card (Visa, MasterCard, or any other issuer accepted by us) or PayPal or other account with a supported payment provider (“Payment Provider”), as a condition to signing up for the Services.  Your Payment Provider agreement governs your use of the designated credit card or PayPal account, and you must refer to that agreement, not this Agreement, to determine your rights and liabilities.  By providing PensionPlus with your credit card number or PayPal account and associated payment information, you agree that PensionPlus is authorized to immediately invoice your Account for all fees and charges due and payable to PensionPlus hereunder and that no additional notice or consent is required.  You agree to immediately notify PensionPlus of any change in your billing address or the credit card or PayPal account used for payment hereunder.  PensionPlus reserves the right at any time to change its prices and billing methods, either immediately upon posting on Services or by e-mail delivery to you.

‍7.3           Service Subscription Fees. You will be responsible for payment of the applicable fee for any Services (each, a “Service Subscription Fee”) at the time you create your Account and select your annual package (each, a “Service Commencement Date”).  Except as set forth in the Agreement, all fees for the Services are non-refundable.  No contract will exist between you and PensionPlus for the Services until PensionPlus accepts your order by a confirmatory e-mail, confirmation screen, SMS/MMS message, or other appropriate means of communication.

‍7.4           Taxes.  If at any point in the future, PensionPlus begins to charge a fee for any of its (“Fee(s)”) and PensionPlus determines it has an obligation to collect Sales Tax from you in connection with this Agreement, PensionPlus shall collect such Sales Tax in addition to the Fee(s).  If any Services, or payments for any Services, under the Agreement are subject to Sales Tax in any jurisdiction and you have not remitted the applicable Sales Tax to PensionPlus, you will be responsible for the payment of such Sales Tax and any related penalties or interest to the relevant authority, and you will indemnify PensionPlus for any liability or expense PensionPlus may incur in connection with such Sales Taxes.  Upon PensionPlus’s request, you will provide it with official receipts issued by the appropriate taxing authority, or other such evidence that you have paid all applicable taxes.  For purposes of this section, “Sales Tax” shall mean any sales or use tax and any other tax measured by sales proceeds that is the functional equivalent of a sales tax where the applicable taxing jurisdiction does not otherwise impose a sales or use tax.

‍7.5           Withholding Taxes.  You agree to make all payments of fees to PensionPlus free and clear of, and without reduction for, any withholding taxes.  Any such taxes imposed on payments of fees to PensionPlus will be your sole responsibility, and you will provide PensionPlus with official receipts issued by the appropriate taxing authority, or such other evidence as we may reasonably request, to establish that such taxes have been paid.

‍7.6           Automatic Renewal.  Your subscription will continue indefinitely until terminated in accordance with the Agreement.  After your initial subscription period, and again after any subsequent subscription period, your subscription will automatically commence on the first day following the end of such period (each a “Renewal Commencement Date”) and continue for an additional equivalent period, at PensionPlus’s then-current price for such subscription.  You agree that your Account will be subject to this automatic renewal feature unless you cancel your subscription at least thirty (30) days prior to the Renewal Commencement Date (or in the event that you receive a notice from PensionPlus that your subscription will be automatically renewed, you will have thirty (30) days from the date of the PensionPlus notice), by logging into and going to the “Change/Cancel Membership” page of your “Account Settings” page.  If you do not wish your Account to renew automatically, or if you want to change or terminate your subscription, please contact PensionPlus at support@pensionplus.com or log in and go to the “Change/Cancel Membership” page on your “Account Settings” page.  If you cancel your subscription, you may use your subscription until the end of your then-current subscription term; your subscription will not be renewed after your then-current term expires.  However, you will not be eligible for a prorated refund of any portion of the subscription fee paid for the then-current subscription period.  By subscribing, you authorize PensionPlus to charge your Payment Provider now, and again at the beginning of any subsequent subscription period.  Upon renewal of your subscription, if PensionPlus does not receive payment from your Payment Provider, (a) you agree to pay all amounts due on your Account upon demand and/or (b) you agree that PensionPlus may either terminate or suspend your subscription and continue to attempt to charge your Payment Provider until payment is received (upon receipt of payment, your Account will be activated and for purposes of automatic renewal, your new subscription commitment period will begin as of the day payment was received).

‍7.7           Free Trials and Other Promotions.  Any free trial or other promotion that provides Registered User level access to the Services must be used within the specified time of the trial.  At the end of the trial period, your use of that Service will expire and any further use of the Service is prohibited unless you pay the applicable subscription fee.  If you are inadvertently charged for a subscription, please contact PensionPlus to have the charges reversed.

‍7.8           Advertising Revenue.  PensionPlus reserves the right to display Third-Party Ads before, after, or in conjunction with User Content posted on the Services, and you acknowledge and agree that PensionPlus has no obligation to you in connection therewith (including, without limitation, any obligation to share revenue received by PensionPlus as a result of such advertising).

‍8.              INDEMNIFICATION.  You agree to indemnify and hold PensionPlus, its parents, subsidiaries, affiliates, officers, employees, agents, partners, suppliers, and licensors (each, a “PensionPlus Party” and collectively, the “PensionPlus Parties”) harmless from any losses, costs, liabilities and expenses (including reasonable attorneys’ fees) relating to or arising out of any and all of the following: (a) Your Content; (b) your use of, or inability to use, any Services; (c) your violation of the Agreement; (d) your violation of any rights of another party, including any Registered Users; (e) your failure to provide accurate or complete data in connection with your use of the Services; or (f) your violation of any applicable laws, rules or regulations.  PensionPlus reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with PensionPlus in asserting any available defenses.  This provision does not require you to indemnify any of the PensionPlus Parties for any unconscionable commercial practice by such party or for such party’s fraud, deception, false promise, misrepresentation or concealment, or suppression or omission of any material fact in connection with the Website or any Services provided hereunder.  You agree that the provisions in this section will survive any termination of your Account, the Agreement and/or your access to Services.

‍9.              DISCLAIMER OF WARRANTIES AND CONDITIONS.

9.1           As Is. YOU EXPRESSLY UNDERSTAND AND AGREE THAT TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOUR USE OF SERVICES IS AT YOUR SOLE RISK, AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS.  PENSIONPLUS PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT ARISING FROM USE OF THE WEBSITE. (a) PENSIONPLUS PARTIES MAKE NO WARRANTY, REPRESENTATION OR CONDITION THAT: (1) SERVICES WILL MEET YOUR REQUIREMENTS; (2) YOUR USE OF SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; OR (3) THE RESULTS THAT MAY BE OBTAINED FROM USE OF SERVICES WILL BE ACCURATE OR RELIABLE. (b) ANY CONTENT DOWNLOADED FROM OR OTHERWISE ACCESSED THROUGH SERVICES IS ACCESSED AT YOUR OWN RISK, AND YOU SHALL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY, INCLUDING, BUT NOT LIMITED TO, YOUR COMPUTER SYSTEM AND ANY DEVICE YOU USE TO ACCESS SERVICES, OR ANY OTHER LOSS THAT RESULTS FROM ACCESSING SUCH CONTENT. (c) THE SERVICES MAY BE SUBJECT TO DELAYS, CANCELLATIONS AND OTHER DISRUPTIONS.  PENSIONPLUS MAKES NO WARRANTY, REPRESENTATION OR CONDITION WITH RESPECT TO SERVICES, INCLUDING BUT NOT LIMITED TO, THE QUALITY, EFFECTIVENESS, REPUTATION AND OTHER CHARACTERISTICS OF SERVICES. (d) NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM PENSIONPLUS OR THROUGH SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. (e) FROM TIME TO TIME, PENSIONPLUS MAY OFFER NEW “BETA” FEATURES OR TOOLS WITH WHICH ITS USERS MAY EXPERIMENT.  SUCH FEATURES OR TOOLS ARE OFFERED SOLELY FOR EXPERIMENTAL PURPOSES AND WITHOUT ANY WARRANTY OF ANY KIND, AND MAY BE MODIFIED OR DISCONTINUED AT PENSIONPLUS’S SOLE DISCRETION.  THE PROVISIONS OF THIS SECTION APPLY WITH FULL FORCE TO SUCH FEATURES OR TOOLS.

‍9.2           PensionPlus Is Not an Investment Advisor.  NEITHER PENSIONPLUS NOR ITS SUPPLIERS OR LICENSORS SHALL BE RESPONSIBLE FOR INVESTMENT AND OTHER FINANCIAL DECISIONS, DAMAGES, OR OTHER LOSSES RESULTING FROM USE OF THE SERVICES.  NEITHER PENSIONPLUS NOR ITS SUPPLIERS OR LICENSORS SHALL BE CONSIDERED AN “EXPERT” UNDER THE SECURITIES ACT OF 1933. NEITHER PENSIONPLUS NOR ITS SUPPLIERS OR LICENSORS WARRANT THAT THIS WEBSITE COMPLIES WITH THE REQUIREMENTS OF THE FINANCIAL INDUSTRY REGULATORY AUTHORITY, THE SECURITIES AND EXCHANGE COMMISSION OR ANY SIMILAR ORGANIZATION OR REGULATOR OR WITH THE SECURITIES LAWS OF ANY JURISDICTION.

‍9.3           No Liability for Conduct of Third Parties.  YOU ACKNOWLEDGE AND AGREE THAT PENSIONPLUS PARTIES ARE NOT LIABLE, AND YOU AGREE NOT TO SEEK TO HOLD PENSIONPLUS PARTIES LIABLE, FOR THE CONDUCT OF THIRD PARTIES, INCLUDING OPERATORS OF EXTERNAL SITES, AND THAT THE RISK OF INJURY FROM SUCH THIRD PARTIES RESTS ENTIRELY WITH YOU.

‍9.4           No Liability for Conduct of Other Users.  YOU ARE SOLELY RESPONSIBLE FOR ALL OF YOUR COMMUNICATIONS AND INTERACTIONS WITH OTHER USERS OF SERVICES.  YOU UNDERSTAND THAT PENSIONPLUS DOES NOT MAKE ANY ATTEMPT TO VERIFY THE STATEMENTS OF USERS OF SERVICES.  PENSIONPLUS MAKES NO WARRANTY THAT THE GOODS OR SERVICES PROVIDED BY THIRD PARTIES WILL MEET YOUR REQUIREMENTS OR BE AVAILABLE ON AN UNINTERRUPTED, SECURE, OR ERROR-FREE BASIS.  PENSIONPLUS MAKES NO WARRANTY REGARDING THE QUALITY OF ANY SUCH GOODS OR SERVICES, OR THE ACCURACY, TIMELINESS, TRUTHFULNESS, COMPLETENESS OR RELIABILITY OF ANY USER CONTENT OBTAINED THROUGH SERVICES.

‍9.5           Third-Party Materials.  As a part of the Services, you may have access to materials that are hosted by another party.  You agree that it is impossible for PensionPlus to monitor such materials and that you access these materials at your own risk.

‍9.6           Independent Contractors.  The relationship of PensionPlus and you under this Agreement is that of independent contractors.  Notwithstanding anything else set forth herein, neither party will be deemed to be an employee, agent, partner or legal representative of the other for any purpose and neither will have any right, power or authority to create any obligation or responsibility on behalf of the other.  Your use of the Services to calculate a Paycheck shall not imply, suggest, or otherwise attempt to create an employment relationship between PensionPlus and you.

‍10.           LIMITATION OF LIABILITY.

10.1         Disclaimer of Certain Damages.  YOU UNDERSTAND AND AGREE THAT, TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT SHALL PENSIONPLUS PARTIES BE LIABLE FOR ANY LOSS OF PROFITS, REVENUE OR DATA, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, OR DAMAGES OR COSTS DUE TO LOSS OF PRODUCTION OR USE, BUSINESS INTERRUPTION, OR PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, IN EACH CASE WHETHER OR NOT PENSIONPLUS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THE AGREEMENT OR ANY COMMUNICATIONS, INTERACTIONS OR MEETINGS WITH OTHER USERS OF SERVICES, ON ANY THEORY OF LIABILITY, RESULTING FROM: (a) THE USE OR INABILITY TO USE SERVICES; (b) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED; OR MESSAGES RECEIVED FOR TRANSACTIONS ENTERED INTO THROUGH SERVICES; (c) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (d) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON SERVICES; OR (e) ANY OTHER MATTER RELATED TO SERVICES, WHETHER BASED ON WARRANTY, COPYRIGHT, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR ANY OTHER LEGAL THEORY.  THE FOREGOING LIMITATION OF LIABILITY SHALL NOT APPLY TO LIABILITY OF A PENSIONPLUS PARTY FOR (i) DEATH OR PERSONAL INJURY CAUSED BY A PENSIONPLUS PARTY’S NEGLIGENCE; OR FOR (ii) ANY INJURY CAUSED BY A PENSIONPLUS PARTY’S FRAUD OR FRAUDULENT MISREPRESENTATION.

‍10.2         Cap on Liability.  TO THE FULLEST EXTENT PROVIDED BY LAW, PENSIONPLUS PARTIES WILL NOT BE LIABLE TO YOU FOR MORE THAN THE GREATER OF (a) THE TOTAL AMOUNT PAID TO PENSIONPLUS BY YOU DURING THE ONE-MONTH PERIOD PRIOR TO THE ACT, OMISSION OR OCCURRENCE GIVING RISE TO SUCH LIABILITY; (b) $100; OR (c) THE REMEDY OR PENALTY IMPOSED BY THE STATUTE UNDER WHICH SUCH CLAIM ARISES.  THE FOREGOING CAP ON LIABILITY SHALL NOT APPLY TO LIABILITY OF A PENSIONPLUS PARTY FOR (i) DEATH OR PERSONAL INJURY CAUSED BY A PENSIONPLUS PARTY’S NEGLIGENCE; OR FOR (ii) ANY INJURY CAUSED BY A PENSIONPLUS PARTY’S FRAUD OR FRAUDULENT MISREPRESENTATION.

‍10.3         User Content.  EXCEPT FOR PENSIONPLUS’S OBLIGATIONS TO PROTECT YOUR PERSONAL DATA AS SET FORTH IN THE PENSIONPLUS’S PRIVACY POLICY, PENSIONPLUS ASSUMES NO RESPONSIBILITY FOR THE TIMELINESS, DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY CONTENT (INCLUDING, BUT NOT LIMITED TO, YOUR CONTENT AND USER CONTENT), USER COMMUNICATIONS OR PERSONALIZATION SETTINGS.

‍10.4         Exclusion of Damages.  CERTAIN JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES.  IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

‍10.5         Basis of the Bargain.  THE LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN PENSIONPLUS AND YOU.

‍11.           PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT.  It is PensionPlus’s policy to terminate membership privileges of any Registered User who repeatedly infringes copyright upon prompt notification to PensionPlus by the copyright owner or the copyright owner’s legal agent.  Without limiting the foregoing, if you believe that your work has been copied and posted on Services in a way that constitutes copyright infringement, please provide our Copyright Agent with the following information: (a) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; (b) a description of the copyrighted work that you claim has been infringed; (c) a description of the location on Services of the material that you claim is infringing; (d) your address, telephone number and e-mail address; (e) a written statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law; and (f) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.  Contact information for PensionPlus’s Copyright Agent for notice of claims of copyright infringement is as follows: support@pensionplus.com.

‍12.           MONITORING AND ENFORCEMENT.  PensionPlus may, but is not obligated to, monitor or review Services and Content at any time.  Without limiting the foregoing, PensionPlus shall have the right, in its sole discretion, to: (a) remove or refuse to post any of Your Content for any or no reason in our sole discretion; (b) take any action with respect to any of Your Content that we deem necessary or appropriate in our sole discretion, including if we believe that such Content violates this Agreement, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Services or the public, or could create liability for the PensionPlus; (c) disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy; (d) take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Services; and/or (e) terminate or suspend your access to all or part of the Services for any or no reason, including without limitation, any violation of this Agreement.If PensionPlus becomes aware of any possible violations by you of the Agreement, PensionPlus reserves the right to investigate such violations.  If, as a result of the investigation, PensionPlus believes that criminal activity has occurred, PensionPlus reserves the right to refer the matter to, and to cooperate with, any and all applicable legal authorities.  PensionPlus is entitled, except to the extent prohibited by applicable law, to disclose any information or materials on or in Services, including Your Content, in PensionPlus’s possession in connection with your use of Services, to (i) comply with applicable laws, legal process or governmental request; (ii) enforce the Agreement, (iii) respond to any claims that Your Content violates the rights of third parties, (iv) respond to your requests for customer service, or (v) protect the rights, property or personal safety of PensionPlus, its Registered Users or the public, and all enforcement or other government officials, as PensionPlus in its sole discretion believes to be necessary or appropriate.

‍13.           TERM AND TERMINATION.

13.1         Term.  The Agreement commences on the date when you accept the Agreement (as described in the preamble above) and remain in full force and effect while you use Services, unless terminated earlier in accordance with the Agreement.

‍13.2         Prior Use. Notwithstanding the foregoing, you hereby acknowledge and agree that the Agreement commenced on the earlier to occur of (a) the date you first used Services or (b) the date you accepted the Agreement, and will remain in full force and effect while you use any Services, unless earlier terminated in accordance with the Agreement.

‍13.3         Termination of Services by PensionPlus.  You will have thirty (30) days from the Service Commencement Date, or any Renewal Commencement Date, for any Services hereunder, to cancel such Service, in which case PensionPlus will refund your Service Subscription Fee, if already paid pursuant to Section 7.2 (Payment) or 7.3 (Service Subscription Fees), for the applicable Service.  Except as set forth above, the Service Subscription Fee for any Service shall be non-refundable.  If timely payment cannot be charged to your Payment Provider for any reason, if you have materially breached any provision of the Agreement, or if PensionPlus is required to do so by law (e.g., where the provision of the Website or the Services is, or becomes, unlawful), PensionPlus has the right to, immediately and without notice, suspend or terminate any Services provided to you.  You agree that all terminations for cause shall be made in PensionPlus’s sole discretion and that PensionPlus shall not be liable to you or any third party for any termination of your Account.

‍13.4         Termination of Services by You.  If you want to terminate the Services provided by PensionPlus, you may do so by (a) notifying PensionPlus at any time and (b) closing your Account for all of the Services that you use.  Your notice should be sent, in writing, to PensionPlus’s address set forth below.  THE SERVICES WILL CONTINUE AT THE END OF EACH SUBSCRIPTION PERIOD UNLESS YOU CANCEL YOUR SUBSCRIPTION IN ACCORDANCE WITH THE PROCEDURE SET FORTH IN SECTION 7.6 (AUTOMATIC RENEWAL).  

‍13.5         Effect of Termination.  Termination of any Service includes removal of access to such Service and barring of further use of the Service.  Termination of all Services also includes deletion of your password and all related information, files and Content associated with or inside your Account (or any part thereof), including Your Content.  Upon termination of any Service, your right to use such Service will automatically terminate immediately.  You understand that any termination of Services may involve deletion of Your Content associated therewith from our live databases.  PensionPlus will not have any liability whatsoever to you for any suspension or termination, including for deletion of Your Content.  All provisions of the Agreement which by their nature should survive, shall survive termination of Services, including without limitation, ownership provisions, warranty disclaimers, and limitation of liability.

‍13.6         No Subsequent Registration.  If your registration(s) with, or ability to access, Services or any other PensionPlus community, is discontinued by PensionPlus due to your violation of any portion of the Agreement or for conduct otherwise inappropriate for the community, then you agree that you shall not attempt to re-register with or access Services or any PensionPlus community through use of a different member name or otherwise, and you acknowledge that you will not be entitled to receive a refund for fees related to those Services to which your access has been terminated.  In the event that you violate the immediately preceding sentence, PensionPlus reserves the right, in its sole discretion, to immediately take any or all of the actions set forth herein without any notice or warning to you.

‍14.           INTERNATIONAL USERS.  Services can be accessed from countries around the world and may contain references to Services and Content that are not available in your country.  These references do not imply that PensionPlus intends to announce such Services or Content in your country.  Services are controlled and offered by PensionPlus from its facilities in the United States of America.  PensionPlus makes no representations that Services are appropriate or available for use in other locations.  Those who access or use Services from other countries do so at their own volition and are responsible for compliance with local law.

‍15.           DISPUTE RESOLUTION.  Please read the following arbitration agreement in this section (“Arbitration Agreement”) carefully.  It requires users to arbitrate disputes with PensionPlus and limits the manner in which you can seek relief from us.

15.1         Applicability of Arbitration Agreement.  You agree that any dispute, claim, or request for relief relating in any way to your access or use of the Website, to any products sold or distributed through the Website, or to any aspect of your relationship with PensionPlus, will be resolved by binding arbitration, rather than in court, except that (a) you may assert claims or seek relief in small claims court if your claims qualify,; and (b) you or PensionPlus may seek equitable relief in court for infringement or other misuse of intellectual property rights (such as trademarks, trade dress, domain names, trade secrets, copyrights, and patents).  This Arbitration Agreement shall apply, without limitation, to all disputes or claims and requests for relief that arose or were asserted before the effective date of this Agreement or any prior version of this Agreement.  

‍15.2         Arbitration Rules and Forum. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement.  To begin an arbitration proceeding, you must send a letter requesting arbitration and describing your dispute or claim or request for relief to our registered agent.  The arbitration will be conducted by JAMS, an established alternative dispute resolution provider.  Disputes involving claims, counterclaims, or request for relief under $250,000, not inclusive of attorneys’ fees and interest, shall be subject to JAMS’s most current version of the Streamlined Arbitration Rules and procedures available at http://www.jamsadr.com/rules-streamlined-arbitration/; all other disputes shall be subject to JAMS’s most current version of the Comprehensive Arbitration Rules and Procedures, available at http://www.jamsadr.com/rules-comprehensive-arbitration/.  JAMS’s rules are also available at www.jamsadr.com or by calling JAMS at 800-352-5267.  If JAMS is not available to arbitrate, the parties will select an alternative arbitral forum.  If the arbitrator finds that you cannot afford to pay JAMS’s filing, administrative, hearing and/or other fees and cannot obtain a waiver from JAMS, PensionPlus will pay them for you.  In addition, PensionPlus will reimburse all such JAMS’s filing, administrative, hearing and/or other fees for disputes, claims, or requests for relief totaling less than $10,000 unless the arbitrator determines the claims are frivolous.  You may choose to have the arbitration conducted by telephone, based on written submissions, or in person in the country where you live or at another mutually agreed location.  Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

‍15.3         Authority of Arbitrator.  The arbitrator shall have exclusive authority to (a) determine the scope and enforceability of this Arbitration Agreement and (b) resolve any dispute related to the interpretation, applicability, enforceability or formation of this Arbitration Agreement including, but not limited to, any assertion that all or any part of this Arbitration Agreement is void or voidable.  The arbitration will decide the rights and liabilities, if any, of you and PensionPlus.  The arbitration proceeding will not be consolidated with any other matters or joined with any other cases or parties.  The arbitrator shall have the authority to grant motions dispositive of all or part of any claim.  The arbitrator shall have the authority to award monetary damages and to grant any non-monetary remedy or relief available to an individual under applicable law, the arbitral forum’s rules, and the Agreement (including the Arbitration Agreement).  The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded.  The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have.  The award of the arbitrator is final and binding upon you and us.  

‍15.4         Waiver of Jury Trial.  YOU AND PENSIONPLUS HEREBY WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY.  You and PensionPlus are instead electing that all disputes, claims, or requests for relief shall be resolved by arbitration under this Arbitration Agreement, except as specified in Section 15.1 (Application of Arbitration Agreement) above.  An arbitrator can award on an individual basis the same damages and relief as a court and must follow this Agreement as a court would.  However, there is no judge or jury in arbitration, and court review of an arbitration award is subject to very limited review.

15.5         Waiver of Class or Other Non-Individualized Relief.  ALL DISPUTES, CLAIMS, AND REQUESTS FOR RELIEF WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT MUST BE ARBITRATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS OR COLLECTIVE BASIS, ONLY INDIVIDUAL RELIEF IS AVAILABLE, AND CLAIMS OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER.  If a decision is issued stating that applicable law precludes enforcement of any of this section’s limitations as to a given dispute, claim, or request for relief, then such aspect must be severed from the arbitration and brought into the State or Federal Courts located in the State of California.  All other disputes, claims, or requests for relief shall be arbitrated.  

‍15.6         30-Day Right to Opt Out. You have the right to opt out of the provisions of this Arbitration Agreement by sending written notice of your decision to opt out to: support@pensionplus.com, within thirty (30) days after first becoming subject to this Arbitration Agreement.  Your notice must include your name and address, your PensionPlus username (if any), the email address you used to set up your PensionPlus account (if you have one), and an unequivocal statement that you want to opt out of this Arbitration Agreement.  If you opt out of this Arbitration Agreement, all other parts of this Agreement will continue to apply to you.  Opting out of this Arbitration Agreement has no effect on any other arbitration agreements that you may currently have, or may enter in the future, with us.

‍15.7         Severability.  Except as provided in Section 15.5 (Waiver of Class or Other Non-Individualized Relief), if any part or parts of this Arbitration Agreement are found under the law to be invalid or unenforceable, then such specific part or parts shall be of no force and effect and shall be severed and the remainder of the Arbitration Agreement shall continue in full force and effect.

‍15.8         Survival of Agreement.  This Arbitration Agreement will survive the termination of your relationship with PensionPlus.

‍15.9         Modification.  Notwithstanding any provision in this Agreement to the contrary, we agree that if PensionPlus makes any future material change to this Arbitration Agreement, you may reject that change within thirty (30) days of such change becoming effective by writing PensionPlus at the following address: 1745 Berkeley Street, Santa Monica, CA 90404.

‍16.           THIRD-PARTY SERVICES.

16.1         Third-Party Websites, Applications and Ads. The Services may contain links to third-party websites (“Third-Party Websites”), applications (“Third-Party Applications”) and advertisements for third parties (“Third-Party Ads”).  When you click on a link to a Third-Party Website, Third-Party Application or Third-Party Ad, we will not warn you that you have left Services and are subject to the terms and conditions (including privacy policies) of another website or destination.  Such Third-Party Websites, Third-Party Applications and Third-Party Ads are not under the control of PensionPlus.  PensionPlus is not responsible for any Third-Party Websites, Third-Party Applications or Third-Party Ads.  PensionPlus provides these Third-Party Websites, Third-Party Applications and Third Party Ads only as a convenience and does not review, approve, monitor, endorse, warrant, or make any representations with respect to Third-Party Websites, Third-Party Applications or Third-Party Ads, or any product or service provided in connection therewith.  You use all links in Third-Party Websites, Third-Party Applications and Third-Party Ads at your own risk.  When you leave our Website, this Agreement and our policies no longer govern.  You should review applicable terms and policies, including privacy and data gathering practices, of any Third-Party Websites, Third-Party Applications, or Third-Party Ads, and make whatever investigation you feel necessary or appropriate before proceeding with any transaction with any third party.  Some parts of the Services may, either today or in the future, be supported by advertising or marketing partnership relationships.  We will always disclose when a particular PensionPlus third-party offer is sponsored or when a third party compensates PensionPlus in connection with the sponsored offer.

‍17.           GENERAL PROVISIONS.

17.1         Electronic Communications.  The communications between you and PensionPlus may take place via electronic means, whether you visit Services or send PensionPlus e-mails, or whether PensionPlus posts notices on Services or communicates with you via e-mail.  For contractual purposes, you (a) consent to receive communications from PensionPlus in an electronic form; and (b) agree that all terms and conditions, agreements, notices, disclosures, and other communications that PensionPlus provides to you electronically satisfy any legal requirement that such communications would satisfy if it were to be in writing.  The foregoing does not affect your statutory rights, including but not limited to the Electronic Signatures in Global and National Commerce Act at 15 U.S.C. §7001 et seq. (“E-Sign”).

‍17.2         Release.  You hereby release PensionPlus Parties and their successors from claims, demands, any and all losses, damages, rights, and actions of any kind, including personal injuries, death, and property damage, that is either directly or indirectly related to or arises from your use of Services, including but not limited to, any interactions with or conduct of other Users or third-party websites of any kind arising in connection with or as a result of the Agreement or your use of Services.  If you are a California resident, you hereby waive California Civil Code Section 1542, which states, “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.”  The foregoing release does not apply to any claims, demands, or any losses, damages, rights and actions of any kind, including personal injuries, death or property damage for any unconscionable commercial practice by a PensionPlus Party or for such party’s fraud, deception, false, promise, misrepresentation or concealment, suppression or omission of any material fact in connection with the Website or any Services provided hereunder.

‍17.3         Assignment.  The Agreement, and your rights and obligations hereunder, may not be assigned, subcontracted, delegated or otherwise transferred by you without PensionPlus’s prior written consent, and any attempted assignment, subcontract, delegation, or transfer in violation of the foregoing will be null and void.

‍17.4         Force Majeure.  PensionPlus shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including, but not limited to, acts of God, war, terrorism, riots, embargos, acts of civil or military authorities, fire, floods, accidents, strikes or shortages of transportation facilities, fuel, energy, labor or materials.

‍17.5         Questions, Complaints, Claims.  If you have any questions, complaints or claims with respect to Services, please contact us at: support@pensionplus.com.  We will do our best to address your concerns.  If you feel that your concerns have been addressed incompletely, we invite you to let us know for further investigation.

‍17.6         Exclusive Venue.  To the extent the parties are permitted under this Agreement to initiate litigation in a court, both you and PensionPlus agree that all claims and disputes arising out of or relating to the Agreement will be litigated exclusively in the state or federal courts located in Los Angeles, California.

‍17.7         Governing Law.  THE TERMS AND ANY ACTION RELATED THERETO WILL BE GOVERNED AND INTERPRETED BY AND UNDER THE LAWS OF THE STATE OF CALIFORNIA CONSISTENT WITH THE FEDERAL ARBITRATION ACT, WITHOUT GIVING EFFECT TO ANY PRINCIPLES THAT PROVIDE FOR THE APPLICATION OF THE LAW OF ANOTHER JURISDICTION.  THE UNITED NATIONS CONVENTION ON CONTRACTS FOR THE INTERNATIONAL SALE OF GOODS DOES NOT APPLY TO THE AGREEMENT.  

‍17.8         Choice of Language.  It is the express wish of the parties that the Agreement and all related documents have been drawn up in English.  

‍17.9         Notice.  Where PensionPlus requires that you provide an e-mail address, you are responsible for providing PensionPlus with your most current e-mail address.  In the event that the last e-mail address you provided to PensionPlus is not valid, or for any reason is not capable of delivering to you any notices required/ permitted by the Agreement, PensionPlus’s dispatch of the e-mail containing such notice will nonetheless constitute effective notice.  You may give notice to PensionPlus at the following address: 1745 Berkeley Street, Santa Monica, CA 90404.  Such notice shall be deemed given when received by PensionPlus by letter delivered by nationally recognized overnight delivery service or first class postage prepaid mail at the above address.

‍17.10      Waiver.  Any waiver or failure to enforce any provision of the Agreement on one occasion will not be deemed a waiver of any other provision or of such provision on any other occasion.

‍17.11      Severability.  If any portion of this Agreement is held invalid or unenforceable, that portion shall be construed in a manner to reflect, as nearly as possible, the original intention of the parties, and the remaining portions shall remain in full force and effect.

‍17.12      Export Control.  You may not use, export, import, or transfer Services except as authorized by U.S. law, the laws of the jurisdiction in which you obtained Services, and any other applicable laws.  In particular, but without limitation, Services may not be exported or re-exported (a) into any United States embargoed countries, or (b) to anyone on the U.S. Treasury Department’s list of Specially Designated Nationals or the U.S. Department of Commerce’s Denied Person’s List or Entity List. By using Services, you represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.  You also will not use Services for any purpose prohibited by U.S. law, including the development, design, manufacture or production of missiles, nuclear, chemical or biological weapons.  You acknowledge and agree that products, services or technology provided by PensionPlus are subject to the export control laws and regulations of the United States.  You shall comply with these laws and regulations and shall not, without prior U.S. government authorization, export, re-export, or transfer PensionPlus products, services or technology, either directly or indirectly, to any country in violation of such laws and regulations.

‍17.13      Consumer Complaints.  In accordance with California Civil Code §1789.3, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by contacting them in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

‍17.14      Entire Agreement.  The Agreement is the final, complete and exclusive agreement of the parties with respect to the subject matter hereof and supersedes and merges all prior discussions between the parties with respect to such subject matter.