Terms of Use

TERMS OF USE

Please read these Terms of Use and Privacy Policy (together, the “Terms of Use”) carefully before using this web site.  By your use of this web site of the National Peace Officers and Firefighters Benefit Association (“NPFBA,” “we” or “us”), you accept all of the terms and conditions described in these Terms of Use.  Using this web site indicates that you accept these terms.  If you do not accept these terms, please exit and do not use this web site.

We reserve all rights that are not expressly granted to you in these Terms of Use.  We reserve the right to change these Terms of Use at any time, without notice to you.  Your continued use of this web site following any such changes will constitute your acceptance of any such changes.  Accordingly, you should visit this page from time to time to review the then-current terms because they are binding on you.  Certain provisions of these terms may be superseded or supplemented by expressly designated legal notices or terms located on particular pages at this site.

Access Outside of United States; Export

Although accessible by others, this web site is primarily intended for access and use by U.S. residents.  NPFBA makes no representation that materials at this site are appropriate or available for use outside the United States, and access to them from territories where their contents are illegal is prohibited.  If you choose to access this site from outside the United States, you do so on your own initiative and are responsible for compliance with applicable local laws.  You may not use, export or re-export the materials at this site or any copy or adaptation in violation of any applicable laws or regulations, including, without limitation, U.S. export laws and regulations.

No Tax, Legal or Accounting Advice

The information on this web site is intended to provide general descriptions of NPFBA and its products and is not intended to provide tax, legal or accounting advice or detailed information concerning use of our products or research relating to our products.  You should not rely on this web site to make any tax, legal or accounting decisions.  The information is not intended to replace advice from your attorney, accountant or other service provider regarding any questions that you may have concerning your legal, tax or accounting issues.

Disclaimer

We are providing this web site and the information and material contained herein on an “as is” and “as available” basis.  This web site might contain errors or inaccuracies and may not be free from viruses.  Your use of this web site and your reliance upon any information or material contained herein is at your own risk.  We do not make any representations about the accuracy, completeness, timeliness, legality in your jurisdiction, reliability, currency, quality or suitability of this web site or any information or material contained herein. This web site and the information and material contained herein is provided to you without any warranties, express, statutory or implied.  Without limiting the foregoing, ALL IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, ARE HEREBY EXPRESSLY DISCLAIMED.

Use of Site

You should assume that all contents of this web site are copyrights unless otherwise noted.  You may not use materials on this web site in a manner that is inconsistent with these Terms and Conditions.  You may freely view and use this web site and download material solely for your own personal, non-commercial use, provided that you retain all copyright notices and other proprietary notices contained in the original downloaded materials or any copies of the materials.  However, you may not otherwise use, modify, display, copy, download, distribute, reproduce, retransmit or create derivative works from, the materials at this site or that you download from this site, without the prior written consent of NPFBA.  Nothing in this web site creates, by implication, estoppel, or otherwise, any license or right under any patent, copyright, trademark or other intellectual property right of NPFBA or of any third party. Any unauthorized use of any materials at this site may violate copyright, trademark, and other laws.  Breach of any of these terms results in termination of your authorization to use this web site, and upon a breach, you must immediately destroy any downloaded or printed materials.

Nothing on this web site gives you any license under any of NPFBA or any third party’s intellectual property rights.  Elements of NPFBA web site are the NPFBA and may not be copied or imitated in whole or in part.  No logo, graphic, sound or image may be copied or retransmitted, without our written consent.

As a condition of your use of this web site, you represent to NPFBA that you will not use this web site for any purpose that is unlawful or prohibited by these terms, conditions, and notices.  You may not use this web site in any manner that could damage, disable or impair this web site or interfere with any other party’s use and enjoyment of the web site.  You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the web site.

NPFBA does not claim ownership of any materials or information that you may provide to us via this web site (including questions or other communications) or post, upload or submit to us.  However, by posting, uploading, or providing your submission, you are granting NPFBA and its affiliates and licensees permission to use your submission in connection with the NPFBA business, including, without limitation, the rights to:  copy, distribute, transmit, reproduce, edit, translate and reformat your submission.

By providing your submission, you represent and warrant to us that you own or otherwise control all of the rights to your submission, including, without limitation, all the rights necessary for you to provide the submissions.

Links to Third Party Sites

We provide certain links to other web sites.  When you click on these links, you leave NPFBA’s web site.  The links are provided as a service to users and are not sponsored by, affiliated with or controlled by NPFBA.  You access any such links at your own risk.  NPFBA makes no representations or warranties about the content of these links, or about the terms of use or privacy policies that may apply to such other sites.  The inclusion of a link does not imply endorsement by NPFBA of the linked web site.

Trademarks

Names mentioned herein may be the trademarks of NPFBA or of other companies or persons.  Your use of this web site constitutes your agreement that you have no rights to use any such trademarks without the prior written consent of NPFBA.

Limitation of Liability

IN NO EVENT WILL NPFBA, ITS AGENTS, OR ANY THIRD PARTIES INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE, BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR OTHER DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION) ARISING OUT OF, OR RELATED TO, YOUR ACCESS, USE, OR INABILITY TO USE, OR THE RESULTS OF USE, OF THIS SITE, ANY WEB SITES LINKED TO THIS SITE, OR THE MATERIALS OR INFORMATION CONTAINED AT ANY OR ALL SUCH SITES, OR ANY ERRORS OR OMISSIONS IN SUCH CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.  IF YOUR USE OF THIS SITE RESULTS IN THE NEED FOR SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ALL COSTS THEREOF.  APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.  IN THE EVENT OF ANY PROBLEM WITH THIS WEB SITE OR ANY INFORMATION OR MATERIAL CONTAINED ON THIS WEB SITE, YOU AGREE THAT YOUR SOLE REMEDY IS TO CEASE USING THIS WEB SITE.

Applicable Laws

The web site is administered by NPFBA from its offices, and may be operated from servers, located in the State of California.  These Terms of Use will be governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of laws.  All users of this web site expressly consent to the exclusive jurisdiction of the state or federal courts located in Sacramento, California, without regard to the conflicts of laws principles of any other state or country.

Indemnification

As a condition of use of this web site, you, the user, agree to indemnify NPFBA, our affiliates, and officers, directors, trustees, employees and agents, and its providers (together, “indemnified parties”), from and against any and all liabilities, losses, damages and expenses, including attorneys’ fees, arising out or relating to your use of this web site, including, without limitation, any claims alleging facts that if true would constitute a breach by you of these terms and conditions or unauthorized use by you of this web site.  You agree to cooperate as reasonably required in the defense of any such claim.  We reserve the right, at our expense, to assume the defense and control of any claim with respect to which an indemnified party may be entitled to indemnification hereunder.

Miscellaneous

The agreement reflected in these Terms of Use constitutes the entire agreement between you and NPFBA and governs your use of this web site.  This agreement supersedes any previous agreements or provisions between NPFBA and you concerning use of this web site.  Our failure to exercise or enforce any provision of these Terms of Use does not constitute a waiver of such provision.  No waiver shall be enforceable unless it is in writing and signed by the party against whom enforcement is sought.  If any portion of these Terms of Use are held to be unenforceable, the portion will be interpreted so as to be enforceable to the maximum extent permitted under applicable law, and all other provisions of these Terms of Use shall continue to be enforceable to the maximum extent permitted under applicable law.

COPYRIGHT AND TRADEMARK NOTICES

All contents of the site are:  Copyright 2018 National Peace Officers and Firefighters Benefit Association.  All Rights Reserved.

PRIVACY POLICY

Please review the terms of the Privacy Policy available at this same web site.