Terms and Conditions of Use

By accessing this website you agree to be bound by the terms and conditions described herein. We recommend reviewing these each time you access this site, as they may have been revised since your last visit. Should you become dissatisfied with these terms and conditions, your sole remedy is to refrain from accessing this site.

Ownership of Website This website is owned and maintained by Leverage Benefits of America Association ("LBAA") for use by its members and prospective members.

Informational Purposes Only The material contained herein is for informational purposes only. Except as expressly set forth, the information contained herein is not an offer to sell or a solicitation to buy any product or service. Should you decide to purchase products or services from LBAA, both you and LBAA will be bound by the terms and conditions of your contract and NOT by the information contained in this website. Products and services described on this website may not be available in all jurisdictions, and you are solely responsible for compliance with any local, state and federal laws associated with your use of this site or the products and services described herein.

Disclaimer of Warranty Materials located on this web site are provided "as is" without any representations of warranties whatsoever, either express or implied, to the fullest extent allowed by applicable law, includeing but not limited to warranties of non-infringement, merchantability and fitness for a particular purpose. Some states/jurisdictions do not allow the exclusion of implied warranties, so the above disclaimer may not apply to you. LBAA does not warrant the information on this website to be error-free, or that its contents are current or accurate at any given time. LBAA reserves the right to make change products and services described herein at any time with or without notice to you; however, LBAA has no obligation to update these materials. LBAA does not warrant that the materials on or accessible from this website are free from viruses, worms, time-bombs or any other devices which may result in damage to you, your data, your computer equipment or other property. LBAA does not warrant that this website will be accessible at will or in all geographic areas. LBAA does not warrant that your use of materials displayed on this website will not infringe upon rights of third parties not owned by or affiliated with LBAA.

Limitation of Liability In no event will LBAA be liable for any damages whatsoever arising out of your use of this web site, including direct, special, punitive, consequential, indirect or exemplary damages and including without limitation, loss of profits, data, business or use. This limitation of liability shall be applicable regardless of the form of any action, including negligence, tort, contract or otherwise. Some states/jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation may not apply to you.

Restrictions on Use Content from this website may be downloaded and/or reprinted for personal use only, provided you retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reproduce, republish, or otherwise use the content of this website in any way for public or commercial purposes without LBAA's prior written permission. You may not upload or download files that contain software or other material protected by intellectual property laws, rights of privacy or publicity, or any other applicable law or regulation unless you own or control the rights thereto or have received all necessary consents. You may not upload files that contain a virus or any other program designed to interfere with the operation of this website or computers linked to this website.

Links to Other Web Sites This web site links to other web sites that are not maintained by LBAA. LBAA does not make any representations or warranties whatsoever regarding the material contained on such web sites, and LBAA's inclusion of a hyperlink does not constitute an endorsement or recommendation by LBAA.

Trademarks and Copyrights Unless otherwise indicated, all logos, trade names, and domain names appearing on this web site are the property of LBAA. Nothing contained on this site should be construed as granting, by implication, estoppel or otherwise, any license or right to use any trademark or service mark displayed on this website without the written permission of LBAA or any third party that may own the trademarks or service marks displayed on this website. Your use of the trademarks or service marks displayed on this website, or any other content on this website except as expressly provided herein is strictly prohibited. Any unauthorized use of the images contained on this website may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. All rights not expressly granted herein are reserved. Any unauthorized use of the materials appearing on this website could result in criminal or civil penalties.

U.S. Government Rights: United States Government license rights in the materials appearing on this website are limited to those mandatory rights identified in DFARS 252.227-7015(b) and all other applicable laws and regulations. All other use is prohibited without the prior written approval of LBAA. Use of any of the materials appearing on this website by the Government constitutes acknowledgment and acceptance of LBAA's proprietary rights in the materials.

Software Licenses You acknowledge that any software available or provided to you on this web site may contain technology that is subject to strict controls by various agencies of the United States Government. You hereby agree that you will not transfer or export such software from the United States except in accordance with United States export laws and regulations. LBAA does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by the United States law.

Indemnification You agree to indemnify, defend and hold harmless LBAA, its officers, employees, licensees, successors, and assignees, affiliated merchants, content, technology and service providers, advertisers and sponsors, from and against any and all third-party claims, demands, losses, liability, damages or expenses (including reasonable attorney's fees) arising out of breach of these Terms and Conditions of Use or the use of the website or any materials, products or services available at this website, by you or under your control.

Termination You acknowledge and agree that LBAA may terminate or deny access to all or part of the services, products or materials available on this website without prior notice if you engage in any conduct or activities that LBAA, in its sole discretion, believes violates any of these Terms and Conditions or any other rule, regulation or applicable law. Neither LBAA nor any of its officers or employees shall be liable to you in the event of such termination.

Governing Law You agree to comply with all applicable laws and regulations of the various states and of the United States, including all export and re-import laws and regulations. These Terms and Conditions of Use will be interpreted, construed, and enforced in all respects in accordance with the laws of the State of Illinois without reference to its choice of law principles. To the extent any dispute is not resolved as indicated above, the parties agree not to commence or prosecute any suit or claim to enforce these Terms and Conditions of Use or otherwise arising under or by reason of these Terms and Conditions of Use, other than in the Federal and State courts of competent jurisdiction in the State of Illinois, Lake County.

Severability If any provision of this agreement is found to be invalid, all other terms and conditions of this agreement shall remain unaffected and shall continue in full force and effect.

Waiver No term or provision hereof shall be deemed waived and no breach excused, unless such waiver or consent shall be in writing and signed by a duly authorized representative, partner or owner of the party claimed to have waived or consented. Should either party consent, waive or excuse a breach by the other party, whether express or implied, such shall not constitute a consent to, waiver of, or excuse of any other different or subsequent breach.