Terms of Use

IMPORTANT! THESE TERMS OF USE GOVERN YOUR USE OF THIS SITE. BY ACCESSING THIS SITE, YOU ARE INDICATING YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THESE TERMS OF USE. THESE TERMS OF USE ARE SUBJECT TO CHANGE, UPDATE AND/OR REVISION (COLLECTIVELY "CHANGE") BY GHM Benefits AT ANY TIME, IN ITS SOLE DISCRETION. YOUR USE OF THIS SITE AFTER ANY SUCH CHANGE IS IMPLEMENTED CONSTITUTES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF SUCH CHANGE. PLEASE CONSULT THESE TERMS OF USE REGULARLY.

GHM Benefits is subject to the Terms of Use of GHM Benefits a product of The OLB Group.com. For purpose of these Terms of Use, the term "GHM" includes The OLB Group and all of its affiliated and subsidiary companies. The OLB Group may at any time revise these Terms of Use by updating the Site. You are bound by any such revisions and should therefore periodically visit this page to review the most current Terms of Use.

Access to This Site To access this Site or some of the resources it has to offer, you may be asked to provide certain registration details or other information. It is a condition of your use of this Site that all the information you provide on this Site will be correct, current, and complete. If we believes the information you provide is not correct, current, or complete, we has the right to refuse you access to this Site or any of its resources, and to terminate or suspend your access at any time.

Restrictions on Use You may use this Site for purposes expressly permitted by this Site. You may not use this Site for any other purpose, including any commercial purpose, without GHM aproval' express prior written consent. For example, you may not (and may not authorize any other party to) (i) co brand this Site, or (ii) frame this Site, or (iii) hyper-link to this Site, without the express prior written permission of an authorized representative of GHM Benefits. For purposes of these Terms of Use, "co branding" means to display a name, logo, trademark, or other means of attribution or identification of any party in such a manner as is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this Site or content accessible within this Site. You agree to cooperate with GHM Benefits in causing any unauthorized co-branding, framing or hyper-linking immediately to cease.

Proprietary Information The material and content accessible from this Site, and any other World Wide Web Site owned, operated, licensed, or controlled by GHM Benefits (the "Content") is the proprietary information of GHM Benefits or the party that provided the Content to GHM Benefits, and GHM Benefits or the party that provided the Content to GHMBenefits retains all right, title, and interest in the Content. Accordingly, the Content may not be copied, reproduced, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of GHM Benefits, which may be withheld in its sole discretion, except that you may print out a copy of the Content solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the Content. Modification or use of the Content except as expressly provided in these Terms of Use violates GHM Benefits intellectual property rights. Neither title nor intellectual property rights are transferred to you by access to this Site.

Hyper-Links This Site may be hyper-linked to other sites which are not maintained by, or related to, GHM Benefits. Hyper-links to such sites are provided as a service to users and are not sponsored by or affiliated with this Site or GHM Benefits. GHM Benefits has not reviewed any or all of such sites and is not responsible for the content of those sites. Hyper-links are to be accessed at the user's own risk, and GHM Benefits makes no representations or warranties about the content, completeness or accuracy of these hyper-links or the sites hyper-linked to this Site. GHM Benefits is not responsible for any hyper-linked site's privacy policies or terms of use, and GHM Benefits takes no responsibility for such sites. A hyper-link to a service or site is not an endorsement of the service of the site, its content, or its sponsoring organization. Furthermore, GHM Benefits shall not be liable for any direct or indirect system damage or other problems you may incur as a result of linking to a Web site, including consequences arising from your accessing third-party technologies, sites information and/or programs.

What Information is Collected by the Site In general, you can visit the Site while remaining anonymous by not providing any personal Information. In some cases, non-personal Information may be automatically collected, such as your Internet browser, computer operating system, domain name of your Internet service provider, and/or the Web site from which you linked to our Site.

Personal Information about you (e.g., your name, address, telephone number, Social Security number, and/or e-mail address) will not be collected unless you provide it to us voluntarily. For example, GHM CBenefits retains e-mail addresses of visitors who respond to the Site's e-mail forms, online forms, registration forms, and surveys and contest entries. GHM Benefits also retains information about the frequency of Site visits, length of time of each visit, and aggregate information on which Site page visitor's access.

If you choose not to provide personally identifiable information, we may not be able to respond to a request, or, an error message may be displayed on your browser.

Cookies GHM Benefits sends all of its Site visitors "cookies," a small data file sent by the Site to your browser, which may then be stored on your hard drive. GHM Benefits cookie enables the Site to recognize you if you have a GHM Benefits policy or contract, or have utilized certain Site features. In addition, the cookie may recall information so that you do not have to resubmit it, and also automatically updates Site information. If available, you may program your browser software to notify you of attempts to send cookies and/or you may decline to accept or delete them.

Submissions You hereby grant to GHM Benefits the royalty-free, perpetual, irrevocable, worldwide, non exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all content, remarks, suggestions, ideas, graphics, or other information communicated to GHM Benefits through this Site (together, the "Submission"), and to incorporate any Submission in other works in any form, media, or technology now known or later developed. GHM Benefits will not be required to treat any Submission as confidential, and may use any Submission in its business (including without limitation, for products or advertising) without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future GHM Benefits operations. GHM Benefits will treat any personal information that you submit through this Site in accordance with its Privacy Policy.

Disclaimer You understand that GHM Benefits cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this Site for the reconstruction of any lost data. GHM Benefits does not assume any responsibility or risk for your use of the Internet, nor does GHMBenefits assume any responsibility for any products or services or hypertext links to third parties or for any breach of security associated with your use of this Site or your transmission of sensitive information through the Site or any hyper-linked sites.

The Content is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by GHM Benefits, borrowers, and other persons should use the Content in the same manner as any other educational medium and should not rely on the Content to the exclusion of their own professional judgment. Information obtained by using this Site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals. Account information available on this Site is not the official record of your account. Nothing on this Site should be construed as rendering tax, legal, investment, or accounting advice. All of the information in this Site, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this Site, and GHM Benefits does not undertake any obligation to update such information after it is posted or to remove such information from this Site if it is not, or is no longer, accurate or complete.

YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. GHMBenefits DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. GHM Benefits DOES NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES, DISABLING DEVICES OR OTHER HARMFUL COMPONENTS. GHM Benefits DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND GHMBenefits MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT GHM Benefits , ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. GHM Benefits MAKES NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

Limitation on Liability GHM Benefits, ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE CONTENT ON THE SITE, EVEN IF GHM Benefits OR A REPRESENTATIVE AUTHORIZED BY GHM Benefits HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF GHM Benefits AND ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE PAID TO GHM Benefits FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE.

Indemnity You will indemnify and hold GHM Benefits, its subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (the "Indemnified Parties") harmless from any breach of these Terms of Use by you, including any use of Content other than as expressly authorized in these Terms of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorneys' fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the information accessed from this Site.

Trademarks, Service Marks, and Copyrights "GHM Benefits," and GHM logo are federally registered trademarks of GHM. Unless otherwise specifically noted, images, trademarks, service marks, logos, and icons displayed on the Site are the property of GHM Benefits or the party that provided the trademarks, service marks and logos to GHM Benefits, and may not be used without GHM Benefits prior written consent. GHM Benefits and any party that provided trademarks, service marks, and logos to GHM Benefits retain all rights with respect to any of their respective trademarks, service marks, and logos appearing in this Site. Any unauthorized use of the images may violate copyright laws, trademark laws, privacy and publicity laws, and communications regulations and statutes.

Information You Provide You may not post, send, submit, publish, or transmit in connection with this Site any material that:

you do not have the right to post, including proprietary material of any third party;
advocates illegal activity or discusses an intent to commit an illegal act;
is vulgar, obscene, pornographic, or indecent;
does not pertain directly to this Site;
threatens or abuses others, libels, defames, invades privacy, stalks, is obscene, pornographic, racist, abusive, harassing, threatening or offensive;
seeks to exploit or harm children by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
infringes any intellectual property or other right of any entity or person, including violating anyone's copyrights or trademarks or their rights of publicity;
violates any law or may be considered to violate any law;
impersonates or misrepresents your connection to any other entity or person or otherwise manipulates headers or identifiers to disguise the origin of the content;
advertises any commercial endeavor (e.g., offering for sale products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners, and/or soliciting goods or services) except as may be specifically authorized on this Site;
solicits funds, advertisers or sponsors;
includes programs which contain viruses, worms and/or Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications;
disrupts the normal flow of dialogue, causes a screen to scroll faster than other users are able to type, or otherwise act in a way which affects the ability of other people to engage in real time activities via this Site;
includes MP3 format files;
amounts to a "pyramid" or similar scheme;
disobeys any policy or regulations established from time to time regarding use of this Site or any networks connected to this Site; or
contains hyper-links to other sites that contain content that falls within the descriptions set forth above.

GHM Benefits reserves the right to monitor use of this Site to determine compliance with these Terms of Use, as well the right to remove or refuse any information for any reason. Notwithstanding these rights, you remain solely responsible for the content of your submissions. You acknowledge and agree that neither GHM Benefits nor any third party that provides Content to GHM Benefits will assume or have any liability for any action or inaction by GHM Benefits or such third party with respect to any submission.

No Representation as to Suitability. GHM Benefits makes no representation as to the financial or other suitability of any product described on this Site for any user. In order to evaluate whether a particular product is suitable for your needs, you should contact a competent advisor.

Violations of Rules and Regulations GHM Benefits reserves the right to seek any remedy available at law or in equity for any violation of these Terms of Use, including the right to block access from a particular Internet address to this Site.

Security Passwords used for this Site (if any) are for individual use only. You will be responsible for the security of your password. GHM Benefits will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that GHMBenefits considers insecure, GHM Benefits will be entitled to require the password to be changed and/or terminate your account.

You are prohibited from using any services or facilities provided in connection with this Site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, GHM Benefits reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents. GHMBenefits reserves the right to investigate suspected violations of these Terms of Use.

You agree that GHM Benefits shall not be responsible for damages or losses resulting from any breach of security caused by your failure to maintain the confidentiality of your password. If you permit access to your password by third parties, then you agree to defend, indemnify and hold GHM Benefits harmless against any liability, losses, damages or costs and expenses (including attorneys' fees) arising out of, or resulting from, such access and related use of this Site. GHM Benefits reserves the right to block access to this Site for any reason. You also agree to immediately notify GHM Benefits if you:

Become aware of any loss or theft of your password, or
Become aware of any unauthorized use of your password.

Finally you acknowledge and agree that you will not: (i) collect or store personal data about other users of this Site, or (ii) upload, e-mail or otherwise transmit any material that contains viruses or any other computer code, files or programs that might interrupt, limit or interfere with the functionality of any computer software, hardware, database or file, or communications equipment that is owned, leased or used by GHM Benefits.

For your protection, GHM Benefits may require the use of encryption technologies for certain types of communications conducted through this Site. This Site has adopted industry standard security measures in place to protect the loss, misuse and alteration of the information under our control. While we provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we do not guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception or error. While there is no such thing as "perfect security" on the Internet, we will take all reasonable steps to insure the safety of your personal information.

GHM Benefits reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing GHM Benefits to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms of Use.

BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS GHM Benefits FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY GHM Benefits DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER GHM Benefits OR LAW ENFORCEMENT AUTHORITIES.

E-Mail Certain portions of this Site may offer you the ability to e-mail a message to GHM Benefits E-mail functionality, if any, is provided to you to facilitate communications between you and GHM Benefits You agree, however, that you will not use e-mail to request, authorize or effect the purchase or sale of any securities or other product or service, to change your address or other account information, to change your User Codes, to transmit personal credit information (including credit card numbers), to send fund transfer instructions, or for any other financial transactions that require formal authorization in accordance with applicable law or GHM Benefits policies and procedures. Any such requests, orders, or instructions that you send to GHM Benefits by e-mail will not be accepted or processed by GHM Benefits . GHM Benefits shall have no liability for any loss or damage that arises from unaccepted e-mail requests, orders or instructions. Moreover, GHM Benefits shall have no liability for any loss or damage that results from interception and/or unauthorized use by third parties of any information you send by e-mail. For information regarding GHM Benefits s use of your e-mail address, please review our Internet Privacy Policy.

Children This Site does not intend to market any GHM Benefits products or services to children. GHM Benefits does not knowingly gather or solicit data from children through this Site for marketing purposes.

Recommended Browser For optimal performance, please use either at least Firefox 5.0 or Internet Explorer 7.0 when connecting to this Site.

Miscellaneous These Terms of Use will be governed and interpreted pursuant to the laws of the state of New York, United States of America, notwithstanding any principles of conflicts of law. You specifically consent to personal jurisdiction in NY in connection with any dispute between you and GHM Benefits arising out of these Terms of Use or pertaining to the subject matter hereof. The parties to these Terms of Use each agree that the exclusive venue for any dispute between the parties arising out of these Terms of Use or pertaining to the subject matter of these Terms of Use will be in the state and federal courts in Sioux Falls, South Dakota. If any part of these Terms of Use is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. These Terms of Use constitute the entire agreement among the parties relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this Site will govern the items to which they pertain. GHM Benefits may revise these Terms of Use at any time by updating this posting.