Terms of Service

TERMS OF SERVICE

READ THESE TERMS AND CONDITIONS (“TERMS”) CAREFULLY BEFORE USING THE SERVICES DESCRIBED HEREIN. BY UTILIZING THE WEBSITE LOCATED AT www.AmericanAssociations.org (“WEBSITE”), YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS AND THAT YOU AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO ALL OF THE TERMS AND CONDITIONS OF THIS AGREEMENT, YOU ARE NOT AN AUTHORIZED USER OF THESE SERVICES AND YOU SHOULD NOT USE THIS WEBSITE.

THE AMERICAN ASSOCIATION OF PRIVATE EMPLOYEES AND THE AMERICAN ASSOCIATION OF GOVERNMENT EMPLOYEES (“THE ASSOCIATIONS”) RESERVES THE RIGHT TO CHANGE, MODIFY, ADD OR REMOVE PORTIONS OF THESE TERMS AT ANY TIME FOR ANY REASON. WE SUGGEST THAT YOU REVIEW THESE TERMS PERIODICALLY FOR CHANGES. SUCH CHANGES SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING. YOU ACKNOWLEDGE THAT BY ACCESSING OUR WEBSITE AFTER WE HAVE POSTED CHANGES TO THESE TERMS, YOU ARE AGREEING TO THESE TERMS AS MODIFIED.

Disclaimer

Nothing contained on this Website constitutes tax, accounting, regulatory, legal, and insurance or investment advice. Neither the information, nor any opinion, contained on this Website constitutes a solicitation or offer by The Associations or its affiliates to buy or sell any financial instruments, nor shall any such instrument be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the laws of such jurisdiction. Decisions based on information contained on this Website are the sole responsibility of the visitor. In exchange for using this Website, the visitor agrees to indemnify and hold the Associations, its officers, directors, employees, affiliates, agents, licensors and suppliers harmless against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys’ fees) arising from your use of this Website, from your violation of these Terms or from any decisions that the visitor makes based on such information.

The strategies discussed in the Website may not be suitable for all individuals and are not obligations of the Associations or its affiliates or guaranteed by The Associations or its affiliates The Associations make no representations that the contents are appropriate for use in all locations, or that the products, instruments, or services discussed on this site are available or appropriate for sale or use in all jurisdictions or countries, or by all individuals or counterparties. By making available information on the Website, The Associations do not represent that any financial vehicle is available or suitable for any particular user. All persons and entities accessing the Website do so on their own initiative and are responsible for compliance with applicable local laws and regulations.

Some of our products may contain risk and may lose value. The value of your account can go down depending upon market conditions.

This Website is for information purposes only and is not intended to be relied upon as a forecast or for research advice. The information on this Website does not constitute a recommendation, offer or solicitation to buy or sell any financial vehicle or to adopt any strategy. Although this material is based upon information that the Associations consider reliable and endeavors to keep current, the Associations do not assure that this material is accurate, current or complete, and it should not be relied upon as such. Any opinions expressed on this Website may change as subsequent conditions vary. Past performance is no guarantee of future results.

The information and services provided on this Website are provided “AS IS” and without warranties of any kind, either expressed or implied. To the fullest extent permissible pursuant to applicable law, the Associations disclaim all warranties, including, but not limited to, any warranty of non-infringement of third-party rights and any implied warranties of merchantability and fitness for a particular purpose. The Associations do not warrant, either expressly or impliedly, the accuracy or completeness of the information, text, graphics, links or other items contained on this Website and does not warrant that the functions contained in this Website will be uninterrupted or error-free, that defects will be corrected, or that the Website will be free of viruses or other harmful components. The Associations expressly disclaim all liability for errors and omissions in the materials on this Website and for the use or interpretation by others of information contained on the Website.

Disclosures

Deposits into a the Associations product or client account are not bank deposits and are not insured or guaranteed by the Associations or the Federal Deposit Insurance Corporation, any other government agency or any bank. Although our products seek to preserve the value of your money, it is possible to lose money.

Trademarks, Copyrights and other Intellectual Property

The content contained on this Website is owned or licensed by the Associations and its third-party information providers and is protected by applicable copyrights, trademarks, service marks, and/or other intellectual property rights. Such content is solely for your personal, non-commercial use. Accordingly, you may not copy, distribute, modify, post, frame or deep link this Website, including any text, graphics, video, audio, software code, user interface design or logos. You may download material displayed on this Website for your personal use provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Website for public or commercial purposes, including all text, images, audio, and video, without the Associations express, written permission. Modification or use of the materials for any other purpose violates the Associations’ intellectual property rights.

All trademarks, service marks, trade names, and logos displayed on this Website are proprietary to the Associations and/or their respective owners. Nothing contained on this Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Website without the written permission of the Associations. or such other third party that may own the trademark displayed on this Website. Your use of the trademarks displayed on this Website, except as provided herein, is strictly prohibited.

The use of the images displayed on this Website by you, or anyone else authorized by you, is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, and the laws of privacy and publicity, and communications, as well as other regulations and statutes. If you download any information from this Website, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.

Additional Trademarks, Copyrights and other Intellectual Property Information for Contracted Agents: You may not copy, distribute, modify, post, frame or deep link this Website, including any text, graphics, video, audio, software code, user interface design or logos without express, written permission from the Associations. You may download material displayed on this Website for your use solely to promote and sell products and services affiliated with the Associations, provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Website for public or commercial purposes, including all text, images, audio, and video, without the Associations’ express, written permission. Modification or use of the materials for any other purpose violates the Associations’ intellectual property rights.

Links to Other Websites

The Associations may establish links between this Website and one or more websites operated by third parties. The Associations have no control over any such other websites, the contents therein or the products/services offered. The existence of any such links shall not constitute an endorsement of, or representation or warranty by the Associations regarding such websites, the contents of the websites, the products or services of the websites or the operators of the websites. Your access to and use of such linked websites is governed by the terms of use and privacy policies of those sites, and shall be at your own risk. The Associations disclaim responsibility for the privacy policies and customer information practices of third-party Internet websites hyperlinked from our Website.

Links to the Associations from Other Websites

You shall not display hyperlinks on your websites to any website owned or operated by the Associations, without express, written consent. If you desire to display on your website a hyperlink to an Associations web site, you must obtain express, written permission with the Associations regarding such display. Access to any the Associations website does not authorize you to use any of the Associations’ names, logos, trademarks or copyrighted material, and you agree not to do so without the Associations’ express, written consent. Requests to display hyperlinks on your websites to the Associations’ websites should be e-mailed to webmaster@americanassociations.org.

Transmissions to and From this Website

Electronic communications can be intercepted by third parties and, accordingly, transmissions to and from this Website may not be secure. Communications to the Associations, particularly those containing confidential information, may be sent by mail to: The American Associations of Private and Government Employees 17722 Irvine Blvd., Tustin, CA 92780, Attn: Webmaster. You acknowledge and agree that the Associations have granted you limited access to the specific files pertaining to products and services affiliated with the Associations (“Approved Files”), and you agree not to attempt to access computer files other than the Approved Files The Associations make no warranty to you regarding the security of the Website, including with regard to the ability of any unauthorized persons to access information received or transmitted by you through or from the Website. The Associations reserve the right to cease providing, or to change, this Website and content of such information (or any portion or feature thereof) at any time or frequency and without notice.

Account and Financial Information on this Website

From time to time certain Association members may access account information, including financial information, from and through this Website. Account information is unaudited unless noted otherwise, may be based on estimates.

Privacy Policy

Please review our Privacy Policy, which is a part of this Agreement and hereby incorporated by reference, to learn about our information collection practices and the measures we take to preserve the privacy and security of your information.

E-mail and Marketing

Members and non-members who complete any contact form or submit communication through this Website are at the same time granting the Association permission to send them e-mail messages for marketing and general communication purposes at the e-mail address they have provided. This service may be discontinued at any time by responding to the email with “Unsubscribe” in the subject line.

Jurisdiction and Governing Law

The information provided on this Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject the Associations or its affiliates to any registration requirement within such jurisdiction or country. Each product and service referred to on this Website is intended to be made available to only U.S. residents. This Website will not be considered a solicitation for or offering of any product or service to any person in any jurisdiction where such solicitation or offering would be illegal.

The laws of the State of California govern these Terms without regard to conflict of law provisions. If you take legal action relating to these Terms, you agree to file such action only in the California Superior Court located in Orange County, CA, or the United States District Court Central District of California Southern Division, and you consent and submit to the personal jurisdiction of those courts for the purpose of litigating any action with the Associations, its affiliates or with any products and / or services referenced in this site.

Limitation of Liability

THE ASSOCIATIONS AND ITS AFFILIATES AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, DIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL OR INDIRECT DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THIS WEBSITE), EVEN IF THE ASSOCIATIONS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, INCLUDING, WITHOUT LIMITATION, FROM THE USE OR ATTEMPTED USE OF THIS WEBSITE OR ANOTHER LINKED WEBSITE.

IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

Representative-Client Relationship

The Associations contract representatives of the Associations (“Representatives”) to solicit and distribute products and services affiliated with the Associations. Some of these representatives may be licensed insurance agents in multiple jurisdictions. These Representatives are not agents or employees of the Associations.

Timeliness of Content

All content on this Website is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

Prohibited Uses

Except as otherwise stated in these Terms or as expressly authorized by the Associations in writing, you may not:

Use this Website in any manner that could damage or overburden any Associations server, or any network connected to any Associations server, as all servers have limited capacity and are used by many people;
Use this Website in any manner that would interfere with another party’s use of the Website;
Include the terms “The American Associations”, “AAPE”, “AAGE”, or any other the Associations trademark or executive’s name, or any variation of the foregoing, as a meta-tag, hidden textual element;
Use any robot, spider, intelligent agent, other automatic device, or manual process to search, monitor or copy this Website or the reports, data, information, content, software, products services, or other materials on, generated by or obtained from this Website, whether through links or otherwise (collectively, “Materials”), without the Associations’ express, written permission, provided that generally available third-party web browsers may be used without such permission; or
Use this Website or the Materials in any manner that could create impression of affiliation, sponsorship or endorsement by the Associations.
Password Security and Notification

Certain parts of the Website may be protected by passwords or require a login and are restricted to authorized users only. You may not obtain unauthorized access to such parts of the Website, or to any other protected materials or information, through any means not intentionally made available by the Associations for your specific use. If you have log-in information for access to non-public areas of the Website, you are solely responsible for all activities that occur in connection with your log-in information. Accordingly, you should take all reasonable steps to protect the confidentiality of your log-in information. Notify the Associations immediately if you become aware of any disclosure, loss, theft or unauthorized use of your log-in information.

Unauthorized Use of Content

You agree to defend, indemnify and hold harmless the Associations, its affiliates and each of their respective officers, directors, members, partners, managers and employees against any losses, damages, claims, liabilities and costs (including reasonable attorneys’ fees) to the extent resulting from or arising out of any unauthorized or otherwise inappropriate use of any of the content of this Website attributable to you or which occurs through the use of your log-in information or ID.

System Outages and Incomplete Transmissions

Internet software or transmission problems may produce inaccurate or incomplete copies of information and materials that may be downloaded and displayed on a user’s computer. The Associations are not liable for any damages, changes, or omissions that occur during transmission of information and materials.

Termination

The Associations may terminate your access to the Website for any reason, without prior notice.

Waiver

No waiver by the Associations of any right under or term or provision of these Terms will be deemed a waiver of any other right, term, or provision of these Terms at the time of such waiver or a waiver of that or any other right, term, or provision of these Terms at any other time.

Integration and Severability

If any provision of these Terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these Terms and will not affect the validity and enforceability of the remaining provisions.

The preceding Terms of use represent the entire agreement between the Associations and the user relating to the subject matter herein.

The Associations are an equal opportunity employer committed to diversity in the workplace.

Dated: March 2014.

© 2014-2018 the American Association of Private Employees and the American Association of Government Employees. All rights reserved. THE ASSOCIATIONS, AAPE, AAPE, WHERE and AMERICA SAVES, are registered and unregistered trademarks of the Associations in the United States and elsewhere. All other trademarks are those of their respective owners.

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