IPC-Legal Terms & Conditions

PLEASE READ THESE LEGAL TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE, YOU AGREE TO BE BOUND BY THE LEGAL TERMS AND CONDITIONS SET FORTH BELOW AND ANY SUBSEQUENTLY POSTED CHANGES TO THE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THESE LEGAL TERMS AND CONDITIONS, DO NOT ACCESS THIS SITE OR ANY PORTION OF THE SITE.

The following Legal Terms and Conditions set forth the entire agreement between Independent Plan Coordinators and each of its subsidiaries and affiliates (collectively referred to as "IPC") and all parties ("you" or "your") accessing or using this webSite (the "Site"). Nothing contained in these Terms and Conditions is intended to modify or amend any other written agreement, if any, that may currently be in effect between you and IPC with regard to matters other than your use of the Site. IPC reserves the right to revise these Legal Terms and Conditions at any time by updating this posting, and such revision will take effect at the time of posting. We suggest that you periodically check these Terms and Conditions for modifications.

This Site contains discussions of certain legal and/or tax topics. Such discussions are intended to provide general information and not legal or tax advice. Unless otherwise specified, you alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based upon your investment objectives and personal and financial services. You are encouraged to consult with professional counsel for personalized legal or tax advice regarding such matters.

IPC DOES NOT MAKE ANY REPRESENTATION ABOUT THE SUITABILITY OF THE CONTENT OF THIS SITE FOR ANY PURPOSE. ALL CONTENT IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. IPC DISCLAIMS ANY WARRANTIES AND REPRESENTATIONS WITH REGARD TO THE CONTENT, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND/OR SECURITY.

IPC DOES NOT WARRANT THAT THE CONTENT HEREIN IS ACCURATE, COMPLETE, OR CURRENT. IPC MAKES NO COMMITMENT TO UPDATE THE CONTENT OF THIS SITE. IT IS YOUR RESPONSIBILITY TO VERIFY ANY INFORMATION BEFORE RELYING ON IT. THE CONTENT OF THIS SITE MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. FROM TIME TO TIME CHANGES ARE MADE TO THE CONTENT DISPLAYED ON THIS SITE. IPC MAY ALSO MAKE CHANGES IN THE PRODUCTS AND/OR THE SERVICES DESCRIBED ON THIS SITE AT ANY TIME.

TO THE EXTENT ANY JURISDICTION DOES NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SOME OF THE EXCLUSIONS CONTAINED HEREIN MAY NOT APPLY TO YOU. TO THE EXTENT THAT A JURISDICTION DOES NOT PERMIT THE EXCLUSIONS OR LIMITATIONS OF LIABILITY SET FORTH HEREIN, THE LIABILITY OF IPC AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND ANY THIRD-PARTY INFORMATION PROVIDERS AND VENDORS, IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW IN SUCH JURISDICTIONS.

Limitation of Liability

IPC WILL NOT BE LIABLE UNDER ANY CIRCUMSTANCES FOR ANY DAMAGES OR INJURY ARISING FROM OR IN ANY WAY ASSOCIATED WITH YOUR USE OF THE SITE. THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES WHICH MAY INFECT A USER'S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECTION PROBLEMS, UNAUTHORIZED ACCESS, THEFT, OPERATOR ERROR, STRIKES OR OTHER LABOR PROBLEMS OR ANY FORCE MAJEURE. IN NO EVENT SHALL IPC BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO LOSS OF USE, DATA, OR PROFITS, ARISING OUT OF OR RELATING TO THE USE OF THIS SITE OR THE COPYING OR DISPLAY OF INFORMATION ACCESSED THROUGH THIS SITE, WHETHER OR NOT IPC WAS ADVISED OF OR AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS DISCLAIMER OF LIABILITY IS EFFECTIVE WITHOUT REGARD TO THE FORM OF ANY ACTON, INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, TORT, STRICT LIABILITY OR ANY OTHER THEORY. WITHOUT LIMITING THE FOREGOING, IPC SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES INCURRED AS A RESULT OF ANY INFORMATION SUBMITTED TO IT THROUGH THIS SITE OR ANY PART THEREOF OR FOR ITS TRANSMISSION OF INFORMATION TO ANY PERSON(S) OR ENTITY(IES) AS A RESULT OF A REQUEST FOR SUCH TRANSMISSION REASONABLY BELIEVED BY IPC TO HAVE BEEN MADE BY SUCH PERSON OR ENTITY.

You agree to indemnify, defend, and hold harmless IPC and each of its officers, directors, employees, and agents, from and against all claims, demands, liabilities, damages, losses, or expenses, including attorney’s fees and costs, arising out of or related to your access to or use of this Site, or any violation by you of these terms and conditions.

IPC grants you a limited, revocable, nonexclusive license to view, temporarily store, and print the pages within this Site solely for your personal, informational, and noncommercial use. You are responsible for obtaining and maintaining all equipment and software you may need to access this Site. IPC reserves all rights not expressly granted in these terms and conditions. Except as otherwise stated in these Terms and Conditions, or as expressly authorized by IPC in writing, you may not:

(1) Modify, copy, distribute, transmit, post, display, perform, reproduce, publish, broadcast, license, create derivative works from, transfer, sell, or exploit any content, software, products, services or any other Materials on, generated by or obtained from this Site, whether through links or otherwise (collectively, “Materials”);

(2) Republish or display any page, text, image or Materials from this Site using “framing” or any other technology;

(3) Engage in any conduct that could damage, disable, or overburden (i) this Site, (ii) any Materials or services provided through this Site, or (iii) any systems, networks, servers, or accounts related to this Site, including without limitation, using devices or software that provide repeated automated access to this Site, other than those made generally available by IPC;

(4) Probe, scan, or test the vulnerability of any Materials, services, systems, networks, servers, or accounts related to this Site or attempt to gain unauthorized access to Materials, servers, systems, networks, servers, or accounts connected or associates with this Site through any means of circumventing any access-limiting, user authentication or security device of any Materials, services, systems, networks, servers, or accounts related to this Site; or

(5) Obtain or attempt to obtain unauthorized access to such parts of the IPC Site that are protected by passwords or require a login, or to any other protected Materials or information, through any means not intentionally made available by IPC for your specific use.

The IPC Site is protected by applicable trademark and copyright laws. Accordingly, you may not:

(2) Modify, copy, obscure, remove, or display IPC’s name, logo, trademarks, text, notices, or images without IPC’s express written permission; or

(3) Include the term “Independent Plan Coordinators” or “IPC,” or any IPC trademark or employee’s name, or any variation of the foregoing, as a metatag, hidden textual element, or any other visual or non-visual indicator that could create an impression of affiliation, sponsorship, or endorsement by IPC.

All trademarks and service marks referenced on the Site that are not owned by IPC are the property of the respective owners.

Links To the Site

Linking to any pages of the Site other than www.ipc-va.com is prohibited, except with IPC’s prior written authorization. Framing of any portion of, or content from, the Site is prohibited.

Your use of the hyperlinks on this Site to other Internet sites is at your own risk and IPC is not responsible for the accuracy or reliability of any information, data, opinions, advice or statements made on these linked sites. IPC makes no representations whatsoever concerning the content of such sites. A link to a Site is NOT an endorsement, authorization, sponsorship, or affiliation by or with IPC with respect to such Site, its owners, or its providers; these links are provided only as a convenience to you. IPC has not tested any content, software, products or services found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any content, software, products or services found on the Internet; and you should be sure that you have reviewed and completely understand these risks before retrieving, using, relying upon, or purchasing anything via the Internet. You should be aware that linked sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions provided on the Site. IPC is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

IPC recognizes and respects the privacy expectations of IPC's consumer customers and provides an explanation of these principles on IPC's Privacy Statement at Privacy/Security. Location of Products and Services IPC's products and services are offered only in jurisdictions where they may be lawfully offered.

The limited rights granted to you herein terminate immediately upon any violation by you of these Terms and Conditions. IPC, in its sole discretion, reserves the right to temporarily or permanently terminate your access to and use of this Site at any time an for any reason whatsoever, without notice or liability. IPC will not be liable to you or any third party for any termination or your access to or use of this Site.

IPC's products and services are offered only in jurisdictions where they may be lawfully offered.

You agree to comply with all local rules with respect to your account and your online conduct, including all laws, rules, codes, and regulations of the country in which you reside and the country from you which you access this Site, including without limitation, all laws, rules, codes, regulations, decrees, acts, orders, directives, legislation, bills, and statutes pertaining to tax, contracts, intellectual property, securities, e-commerce, banking, technology, computers, fraud, and privacy. In addition, you agree to comply with all applicable laws, rules, codes, and regulations regarding the transmission of technical data exported from the United States.

Each product and service referred to on this Site is intended to be made available only to U.S. residents. This Site is provided for general information purposes only and does not constitute a solicitation for or offering of any investment product or service.

These Terms and Conditions will be governed by and be interpreted pursuant to the laws of the Commonwealth of Virginia, United States of America, or other applicable federal laws, notwithstanding any principles of conflicts of law. The federal courts located in Virginia Beach, Virginia, shall have exclusive jurisdiction over any cause of action arising out of or related to the content or use of this Site.

Entire Agreement

If any part of these Terms and Conditions is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. IPC reserves the right to seek all remedies available at law and in equity for violations of these Rules and Regulations, including the right to block access from particular computers to the Site.