Terms

Terms for Use

Welcome to BC2 (Benefits Compliance Consultants, Inc.). This website is owned and operated by Benefits Compliance Consultants, Inc. (BC2). These Website Terms and Conditions of Use (the “Terms”) contain the terms and conditions upon which BC2 is willing to provide you access to and use of the BC2 websites and all related pages, information, databases, materials, and services (collectively, the “Site”), and governs your use and purchase of any products and services available through the Site (collectively, the “Services”). These Terms form an agreement between you and BC2. If you do not agree to be bound by these Terms, you may not access or use the Site or the Services. Use of the Site or purchase or use of the Services indicates your acceptance of these Terms and BC2’s Website Privacy Statement. Please scroll down through these Terms to review important provisions regarding arbitration, limitation of liability, waivers, indemnities, and other important topics.

If you have questions regarding these Terms, please contact BC2 at (515)-244-2424

Read Our Privacy Policy

BC2 Services

BC2 is a third party administrative service provider of financial tools for business owners to manage their employee benefit plans through the Internet. The Site provides registered users with easy and cost-effective management of health, financial, and a variety of other employee benefit programs. As a third party administrator, BC2 does not provide financial, legal, tax, or medical advice regarding any employee benefit programs or otherwise. Content regarding various life events and financial, legal, or tax concerns is provided for informational purposes only, and is not intended to be personalized or professional advice. Please consult with your financial, investment, legal, or tax advisor regarding the applicability of such content to you and its impact on your choice of benefit plans. If you have a dispute with a benefit plan, its provider, or a beneficiary of a benefit plan, you must deal directly with that person or entity. Unless otherwise prohibited by applicable law, you release BC2 from and waive any and all claims, demands, and causes of action of every kind and nature, known and unknown, which exist or hereafter arise against BC2 related in any way to the choice of plan, the scope, type, or quality of benefit offered by the plan, or the actions of any third party provider under any plan.

Account Registration and Services: Unauthorized Use

To use the Services, you must register through the Site and have an existing relationship with BC2 (the “Account”). By opening an Account, you have a limited license to use the Site and Services, including the limited right to view, bookmark, download, and print, for your noncommercial, personal use, and information only, those pages of the Site that interest you, subject to any other terms and conditions of use and/or payment in these Terms or on the Site. These Terms cannot be waived or modified by any oral communications between you and BC2.

Account Information: Identity and Password

Accounts may not be transferred, sold, or used by any other party without the express permission of BC2. You agree that any information you provide to BC2, whether through the Account registration process or otherwise, including, without limitation, passwords, usernames, login ID’s, business profiles, credit card information, financial information regarding a business or its employees, personal medical information, information of any kind regarding a business’ employees, and any other personally identifiable information whether through questionnaires, registration forms, or other information requests (“Account Information”), will be true, accurate, current, and complete. You agree not to provide Account Information that is false, inaccurate, misleading, or fraudulent. You agree to provide BC2 with any information reasonably requested by BC2 related to the provision of the Services and necessary for administration of the Account.

You are solely responsible for all transactions and transmissions that occur through the use of your Account Information, and it is your responsibility to maintain and promptly update your Account Information. You agree that BC2 is not liable to you or any third party for damages or losses related to the accuracy or disclosure to BC2 of your Account Information. It is your responsibility to maintain the confidentiality of your Account Information. BC2 requires that you agree not to share your Account Information with another person, nor allow another person to use your Account Information. If you believe that someone has used your Account Information to access any BC2 services without your authorization, please contact BC2 immediately.

Please review BC2’s Website Privacy Statement for more information regarding BC2’s policies and procedures for disclosing and using your Account Information. Subject to the Website Privacy Statement, BC2 retains a perpetual, irrevocable, non-exclusive, royalty-free, worldwide license to use and store your Account Information (in any media, currently known or unknown) related to these Terms or BC2’s provision of the Services.

You agree not to impersonate any person or entity, misrepresent any affiliation with another person, entity, or association, use false e-mail or other headers, or otherwise conceal your identity from BC2 for any purpose. If you believe that someone has used your Account Information to access the Site or use or purchase the Services without your authorization, please contact us immediately at (515)-244-2424

Updating Terms

BC2 reserves the right, to change, delete, or update the Terms or other policies that govern use of the Site or the Account at its discretion, at any time, for any reason, without notice, including the right to terminate the Services, any part of the Services, or the Account. Any amendments and modifications by BC2 will be prospective only, and unless otherwise provided in this Agreement, will be effective upon being posted on the Site. BC2 encourages you to review these Terms periodically for updates and changes. Your continued access or use of the Site or the Account shall be deemed acceptance of all changes.

If you have another relationship with BC2, that relationship is governed by the agreement specific to that particular relationship. The terms of these other agreements are not altered by these Terms or by any content on the Site, provided that nothing in these other agreements shall diminish the protections and rights provided to BC2 under these Terms. Except as may be expressly provided in additional terms of use for specific areas of the Site or the above-referenced agreements, these Terms constitute the entire agreement between you and BC2 with respect to the use of the Site or the Account.

Restrictions on Use of BC2 Materials and the Site

BC2 or its content providers own all of the content, materials, and other intellectual property related to the Site and the Services, including without limit all text, graphics, photographs, music, data, images, audio and video clips, software, names, button icons, logos, images, designs, titles, words or phrases, page headers, service names, trademarks, patents, and copyrights (collectively, “Materials”). You have no rights to the Materials, except as expressly set forth in these Terms. Any use of the Materials, except as permitted by these Terms, is expressly prohibited.

The contents and use of the Site (including BC2’s name and the logos and software used in the Site) are registered and/or protected by U.S. and international copyright, trademark, and other laws. You agree to retain all copyright and other proprietary notices contained in the Site or the Services. You may not delete or change any copyright or trademark notices, and cannot alter or modify the content in any manner without the express written permission of BC2.

You further agree that you may not:

(i)     use the Site to transmit, copy, reproduce, republish, upload, post, transmit, e-mail, or distribute in any way material or content that infringes any copyright, trademark, proprietary, or other right of any party or that violates these Terms;

(ii)    copy (except as set forth above for noncommercial personal use), modify, distribute, create any derivative or compilation work from, or display BC2’s name or logo, or any text, graphic images, or other content from the Site or redeliver such content using framing or similar technology;

(iii)   use any device designed to provide repeated automated access to any Site other than those made generally available by BC2;

(iv)    include any BC2 trademarked materials, the name of any BC2 personnel, or any variation of these items as a metatag or hidden textual element, or in any other fashion that may create a false or misleading impression of affiliation, sponsorship, or endorsement between BC2 and you, any other party, or any other website, or otherwise use these items without BC2’s express written permission;

(v)     collect, harvest, or store personal data about other users of the Site or the Services;

(vi)    upload, e-mail or otherwise transmit to BC2 or through the Site or any BC2 computer network any of the following: a sexually-explicit image or statement; advertising, promotional, or other unauthorized communication, including without limitation, “junk mail,” surveys, unsolicited e-mail, “spam,” “chain letters,” “pyramid schemes,” or other inappropriate or prohibited materials; and any material that contains viruses, Trojan horses, worms, time bombs, cancelbots, easter eggs, or any other computer code, files or programs that might interrupt, limit or interfere with, damage, surreptitiously intercept or expropriate any system, data or information related to the Site or any computer software, hardware or communications equipment that is owned, leased or used by BC2; or

(vii)   create a link to the Site without BC2’s prior written permission.

(viii)  use the Site or Services to post or transmit any threatening, false, misleading, abusive, harassing, libelous, defamatory, vulgar, obscene, scandalous, inflammatory, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law;

(ix)    use any robot, spider, scraper, or any other automated means to access the Site or the Services for any purpose without BC2’s express written permission; or

(x)     forge any TCP/IP packet header or any part of the header information in any email or posting; or

(xi)    take any action that imposes, or may impose, in BC2’s sole discretion, an unreasonable or disproportionately large load on the BC2 infrastructure; or

(xii)   interfere or attempt to interfere with the proper working of the Site, the Services, or any activities conducted on the Site; or

(xiii)  bypass measures used by BC2 to prevent or restrict access to the Site or the Services, violate or attempt to violate the security or authentication measures of the system, or attempt to prove, scan, or test the vulnerability of a system or network without proper written authorization from BC2.

BC2 reserves the right to disclose the identity of anyone posting or transmitting any information or materials violating the above prohibitions to law enforcement authorities or pursuant to any court order requesting or directing BC2 to disclose such information.

Termination, Removal of Materials, and Monitoring

These Terms are effective until terminated by either party. If you no longer agree to be bound by these Terms, you must cease use of the Site, the Services and the Account. You agree that BC2 may terminate, restrict, or suspend part or all of your license to access the Site and your Account, or delete any content transmitted to or through the Site and to your Account, at any time, at its sole discretion, without prior notice to you and without any liability to you. BC2 also reserves the right to take any action relating to user-submitted information that it deems necessary or appropriate if such information, as determined in BC2’s sole discretion, may create liability for BC2, its agents or its contractors, or may affect BC2’s business relationships or contracts with its agents or its contractors. BC2 further reserves the right to remove any materials that are defamatory, abusive, illegal, harassing, immoral, disruptive, or do not conform to these Terms – though BC2 shall be under no affirmative obligation to monitor any of the foregoing or to otherwise screen or monitor any communications or information prior to its posting. You agree BC2 has the right, but is not obligated, to monitor your use of the Site and Account and any communications made by you related to such use in any manner; and you release BC2 from any liability related to its monitoring activities. If BC2 denies you access to the Site or your Account, you agree to destroy all materials obtained from the Site and all copies of those materials with the exception of your Account Information. You acknowledge that, upon termination, BC2 may immediately deactivate or delete your Account and all related information and files in the account and bar you from further access to the files, the Site, the Services, and your Account.

Website Linking and Cautions About Third-Party Information Included in Site

For your general informational use only, BC2 may provide access to third party websites. These links will allow you to leave the Site. The linked sites are not under the control of BC2 and BC2 is not responsible for the contents of any linked site. By providing access to other websites, BC2 is not recommending or supporting any third party, is not recommending the purchase or sale of any products or services of a third party, and is not endorsing or acknowledging that it is affiliated with any website’s sponsoring organization.

BC2 is not obligated to maintain, verify, update or post any corrections to such third party information for any reason. Nothing in the Site referencing any third parties with whom BC2 conducts business, and nothing in these Terms, shall be deemed to create any agency relationship, affiliation, or sponsorship among BC2 and such third parties or you, or make the third parties or you partners or joint ventures’ with BC2, or otherwise provide you or any third parties with any rights to act on BC2’s behalf. BC2 does not represent or guarantee the truthfulness, accuracy, completeness, timeliness, authorship, suitability of content, or reliability of communications posted by third parties, nor does BC2 endorse any opinions expressed by users or any third parties using the Site. Consequently, you agree that BC2 does not guarantee, and is not liable to you for any third party content.

Disclaimers and Limitations of Liability

In using this Site you acknowledge and accept that there are risks, including, without limitation, the risk of harm of people acting under false pretenses. You assume all risks associated with dealing with other users with whom you come in contact through the Site and other parties that use the Site or your Account Information for unauthorized or illegal purposes.

TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ALL INFORMATION, SERVICES, SOFTWARE AND CONTENT AVAILABLE THROUGH THE SITE, AND THE SITE ITSELF, ARE FURNISHED FOR GENERAL INFORMATIONAL PURPOSES ONLY, AND ARE FURNISHED TO YOU ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY IMPLIED OR EXPRESSED WARRANTY OF ANY KIND (INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SUITABILITY, SECURITY, CORRECTNESS AND NON-INFRINGEMENT).  BC2 AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AND SUPPLIERS (COLLECTIVELY THE “BC2 PARTIES”) MAKE NO REPRESENTATION OR WARRANTY REGARDING, ARE NOT RESPONSIBLE FOR, AND DISCLAIM ALL LIABILITY FOR, THE CONTINUED AVAILABILITY, RELIABILITY, ACCURACY, RESULTS OR PERFORMANCE OF THE SITE OR ANY MATERIAL ON THE SITE, THE PERFORMANCE OF THE INTERNET, THE DOWNLOADING COMPATIBILITY OF ANY MATERIALS OR SOFTWARE WITH YOUR COMPUTER SYSTEM, THE EXISTENCE OF ANY VIRUS, WORM, MALICIOUS CODE OR OTHER DISABLING DEVICE FROM ANY SOURCE, THE UNAUTHORIZED ACCESS TO OR USE OF YOUR INFORMATION BY A PARTY OTHER THAN BC2, ANY TECHNICAL FAILURES (INCLUDING HARDWARE OR SOFTWARE FAILURES), INCOMPLETE, SCRAMBLED, OR DELAYED COMPUTER TRANSMISSIONS, AND/OR TECHNICAL INACCURACIES, OR LOSS OR USE OF DATA, AS WELL AS UNAUTHORIZED ACCESS OF USER TRANSMISSIONS BY THIRD PARTIES ARISING OUT OF OR RELATED TO THESE TERMS.  NO ONE IS AUTHORIZED TO MAKE ANY WARRANTY ON BC2’S BEHALF, AND YOU CANNOT RELY ON ANY OTHER STATEMENT OF WARRANTY. YOU ASSUME RESPONSIBILITY FOR THE ACCURACY, APPROPRIATENESS, AND LEGALITY OF ANY INFORMATION YOU SUPPLY TO BC2.

YOU AGREE THAT THE BC2 PARTIES ARE NOT LIABLE FOR ANY CONSEQUENTIAL, SPECIAL, INDIRECT, EXEMPLARY, OR PUNITIVE DAMAGES.  IN NO EVENT SHALL THE BC2 PARTIES’ TOTAL LIABILITY TO YOU FOR ANY DAMAGES, LOSSES, FEES AND EXPENSES (INCLUDING ATTORNEYS’ FEES), WHETHER IN CONTRACT, TORT, TRESPASS OR OTHERWISE EXCEED THE AMOUNT (IF ANY) PAID BY YOU TO BC2 TO PURCHASE THE PARTICULAR PRODUCTS OR SERVICES WHICH FORM THE BASIS OF YOUR CLAIM, THE AMOUNTS PAID BY YOU TO BC2 TO PURCHASE PRODUCTS OR SERVICES IN THE THREE (3) MONTHS PRECEDING ANY CLAIM WHERE YOUR CLAIM DOES NOT RELATE TO PRODUCTS OR SERVICES PURCHASED, OR $100 IF YOU HAVE NOT PAID ANY AMOUNTS TO BC2.  IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE WAIVER OF CERTAIN WARRANTIES, OR LIMITATIONS OR DAMAGES WAIVERS DESCRIBED IN THIS SECTION, SOME OF THESE WAIVERS AND LIMITATIONS MAY NOT APPLY TO YOU. YOU AGREE TO PROMPTLY NOTIFY BC2 IN WRITING IF YOU BELIEVE YOU HAVE ANY CLAIM AGAINST THE BC2 PARTIES, AND, IN ANY EVENT, YOU AGREE THAT ANY CLAIM NOT BROUGHT WITHIN ONE YEAR OF YOUR DISCOVERY SHALL BE DEEMED WAIVED AND RELEASED.

Indemnification

In consideration of your use of the Site, you hereby agree to indemnify the BC2 Parties and any third party information or service providers from and against any and all claims, losses, liabilities, damages, costs, and expenses (including, without limitation, reasonable attorneys’ fees and costs) arising out of or related to your: (i) breach of these Terms, (ii) violation of any person’s or entity’s legal rights (including, without limitation, copyright, patent, trade secret, trademark, or other proprietary rights, or publicity, contract, moral, or privacy rights) (iii) violation of any applicable law, rule, or regulation, (iv) negligence, recklessness, or misconduct, or (v) unauthorized use of your Account Information by a party other than BC2.

Applicable Law

BC2 controls and operates the Site from its offices within the State of Wisconsin in the United States. If you choose to access the Site from other locations, you do so at your own risk and initiative and are responsible for compliance with any applicable local laws and regulations. You agree that the laws of the State of Wisconsin (excluding any choice of law rules) govern your rights and obligations relating to BC2 and your use of the Site.

Exports

You agree to comply with all United States export laws and regulations. You assume sole responsibility for any required export approval and/or licenses and all related costs and for the violation of any United States export law or regulation. You acknowledge that export of the products or services and any related documentation, in whole or part, contrary to United States law is prohibited. You agree that no part of the products or services available through the Site, either in whole or part, is being acquired for shipment, transfer, or re-export, directly or indirectly, to proscribed, embargoed, or prohibited countries or their nationals, denied destinations, or for prohibited activities or for weapons.

Severability and Waiver

If any provision of these Terms is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect.

No failure to exercise and no delay in exercising, by BC2, any right, power or privilege hereunder shall operate as a waiver hereof, except as expressly provided herein. Any waiver by BC2 of a breach of any provision of these Terms shall not be deemed to be a waiver of any other or subsequent breach and shall not be construed to be a modification of the Terms unless and until agreed to in writing by BC2.

Additional Terms

Certain areas of this Site may be subject to additional terms of use. By using such areas or any part thereof, you agree to be bound by the additional terms of use applicable to such areas.

Copyright Agent for Claims of Copyright Infringement

Pursuant to the Digital Millennium Copyright Act, BC2 designates the agent below to receive notifications of claimed copyright infringement. If you reasonably believe that your work has been copied in a way that constitutes copyright infringement, please provide BC2’s designated agent the following information:

(i)     an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;

(ii)    a description of the copyrighted work that you claim has been infringed;

(iii)   a description of where the material that you claim is infringing is located on any Site;

(iv)    your address, telephone number, and e-mail address;

(v)     a 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;

(vi)    a statement by you, made under penalty of perjury, that the information included in your notification is accurate and that you are the copyright owner or authorized to act on behalf of the copyright owner.

BC2’s designated agent for notification may be contacted at:

By Mail:

Benefits Compliance Consultants, Inc.

3110 1st Street

#301

Saint Petersburg, FL 33706

By Phone: (515)-244-2424

Attn: Benefits Compliance Consultants, Inc.

Dispute Resolution

If a dispute arises between you and any of the BC2 Parties, it is the goal of BC2 to work in good faith with you to quickly and amicably resolve the dispute. All disputes, claims, or controversies (“Claims”) arising under or relating to these Terms, the Site, or the Services that cannot be resolved informally, will be finally resolved by binding arbitration as described herein.

Any dispute arising under or related to these Terms, the Site, or the Services (including the arbitrability of such a dispute and the existence, validity, interpretation, performance, termination, or breach thereof) shall be finally settled by binding arbitration by a single arbitrator in accordance with the then-current Commercial Arbitration Rules of the American Arbitration Association (“AAA”), with the arbitration to be commenced no later than one (1) year after such Claim accrues (in absence of which it shall be deemed forever waived). A judgment upon an arbitrator’s award may be entered by any court of competent jurisdiction. To the extent permitted by applicable law, you agree that there shall be no class action arbitration related to this Agreement or the Services. All parties shall bear their own expenses, except that the parties shall equally share the expenses of the arbitrator (except for the required non-refundable filing fees which shall be paid solely by the party asserting the related Claim).

The above obligations to arbitrate shall not prevent a party from seeking a preliminary injunction, temporary restraining order, specific performance or other procedures in a court of competent jurisdiction to obtain interim relief when deemed necessary by such court to preserve the status quo or prevent irreparable injury pending resolution by arbitration of the actual dispute.

Exclusive jurisdiction and venue for arbitration or any other legal action or proceeding in any way related to the Site, the Services, or this Agreement shall be in Milwaukee, Wisconsin. Any matter brought before a court shall be brought solely in the state or federal courts located in Milwaukee, Wisconsin.

Independent Parties

For purposes of these Terms, the parties hereto shall be independent contractors and neither shall at any time be considered an agent or employee of the other. No joint venture, partnership, or like relationship is created between the parties by this Agreement.

Entire Agreement

These Terms, and any policies referenced and attached hereto, constitute the entire agreement between you and BC2 related to the Site and services. All prior agreements, representations, statements, negotiations, and undertakings with respect to the subject matter herein are superseded by these Terms. These Terms may not be amended, altered or added to in any manner except as set forth by a document in writing and signed by an authorized representative of each party. If there is a conflict between these Terms and any terms appearing on the Site, or in any policies, those terms that are more favorable to BC2 shall govern.

Headings

The headings of the sections in these Terms are strictly for convenience and shall not in any way be construed as amplifying or limiting any of these Terms.

Survival of Obligations

The terms that by their nature are intended to survive beyond the termination, cancellation, or expiration of these Terms shall survive.