User Agreement

The following User Agreement ("Agreement") governs the use of the Integrated Benefits Institute (IBI) Website ("Service"), provided for use by the Integrated Benefits Institute ("Service Provider"). Please read the rules contained in this Agreement carefully. Your use of the Service will constitute your agreement to comply with these rules. If you cannot agree with these rules, please do not use the Service. These rules may be modified by IBI from time to time; notice of revisions to this Agreement will be announced on this page. Continued access of the Service by you will constitute your acceptance of any changes or revisions to the Agreement.

Your failure to follow these rules, whether listed below or in bulletins posted at various points in the Service, may result in termination of your access to the Service, without notice, in addition to Service Provider’s other remedies.

USE OF THE SERVICE BY YOU:

• Your right to use the Service is personal to you -- you may not authorize others to use the Service, and you are responsible for all use of the Service.
• Material on the Service is for your personal use only. The Service contains copyrighted and other proprietary information.
• You may not in any way make commercial or other unauthorized use, by publication, re-transmission, distribution, performance, caching, or otherwise, of material obtained through the Service, except as permitted by the Copyright Act or other law.
• You agree not to disrupt or interfere with the Service, nor to alter of tamper with any information or materials on or associated with the Service.
• You acknowledge that the Service Provider has not reviewed the content of all sites linked to from this Service and is not responsible for the content or actions of any other sites linked to from this Service and does not endorse them. Your linking to any service or site is at your sole risk.

INDEMNIFICATION:

You agree to indemnify the Service Provider and its affiliates, employees, agents and representatives, and to hold them harmless, from any and all claims and liabilities (including attorneys fees) which may arise from your unauthorized use of material obtained through the Service, or from your breach of this Agreement, or from any such acts through your use of the Service.

DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY:

YOU ACKNOWLEDGE THAT YOU ARE USING THE SERVICE AT YOUR OWN RISK. THE SERVICE IS PROVIDED "AS IS", AND THE SERVICE PROVIDER AND ITS AFFILIATES HEREBY EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES, EXPRESS AND IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF ACCURACY, RELIABILITY, TITLE, MERCHANTABILITY, NON INFRINGEMENT, FITNESS FOR A PARTICULAR PURPOSE OR ANY OTHER WARRANTY, CONDITION, GUARANTEE OR REPRESENTATION, WHETHER ORAL, IN WRITING OR IN ELECTRONIC FORM, INCLUDING BUT NOT LIMITED TO THE ACCURACY OR COMPLETENESS OF ANY INFORMATION CONTAINED THEREIN OR PROVIDED BY THE SERVICE. ACCESSING, RELIANCE OR USE OF ANY MATERIAL PROVIDED ON THE SERVICE DOES NOT ESTABLISH AN ATTORNEY/CLIENT RELATIONSHIP NOR SHALL THE SERVICE BE CONSTRUED AS PROVIDING LEGAL SERVICES, ADVICE OR COUNSEL. SERVICE PROVIDER AND ITS AFFILIATES DO NOT REPRESENT OR WARRANT THAT ACCESS TO THE SERVICE WILL BE UNINTERRUPTED OR THAT THERE WILL BE NO FAILURES, ERRORS OR OMISSIONS OR LOSS OF TRANSMITTED INFORMATION, OR THAT NO VIRUSES WILL BE TRANSMITTED ON THE SERVICE.

THE SERVICE PROVIDER AND ITS AFFILIATES SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTIES FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ALLEGEDLY SUSTAINED ARISING OUT OF YOUR ACCESS TO OR INABILITY TO ACCESS THE SERVICE, INCLUDING FOR VIRUSES ALLEGED TO HAVE BEEN OBTAINED FROM THE SERVICE, YOUR USE OF OR RELIANCE ON THE SERVICE OR ANY OF THE INFORMATION OR MATERIALS AVAILABLE ON THE SERVICE, REGARDLESS OF THE TYPE OF CLAIM OR THE NATURE OF THE CAUSE OF ACTION, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

SOME STATES DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER RIGHTS WHICH VARY FROM STATE TO STATE.

TERMINATION:

Service Provider has the right to terminate your ability to access the Service, for any reason, without notice.

JURISDICTION:

You agree that this Agreement, for all purposes, shall be governed and construed in accordance with the laws of the State of California applicable to contracts to be wholly performed therein, and any action based on or alleging a breach of this Agreement must be brought in a state or federal court in California. In addition, you agree to submit to the personal jurisdiction and venue of such courts.

ENTIRE AGREEMENT:

This Agreement is the complete and entire agreement between the parties and supersedes any prior agreement, whether written or oral.

If you do not agree to the terms contained in this Agreement, please exit the Service. Continued use of the Service constitutes acceptance of the terms outlined above.