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.
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.
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.
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:
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.
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 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:
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.
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.
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.
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