‍User Agreement, Terms & Conditions

Welcome to the Mployer website (this "Site") provided by Mployer, Inc. ("Mployer," "we" or "us"). On this Site, Mployer makes available Lists and Ratings based on specific criteria, including without limitation, in the form of search results (“Lists”), and other information, profiles and materials regarding Insurance Brokerages, Insurance Companies and other Industry Participants (collectively with the Ratings and Lists, the "Site Materials"). Mployer collects data and other information regarding employers, insurance companies, insurance brokers, consultants, third party administrators and others (collectively, the "Mployer Industry") from a variety of sources. Mployer uses proprietary processes and algorithms to select, compile and adjust certain data to generate ratings of the Mployer  Industry ("Ratings").
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The Terms contained in this user agreement ("User Agreement") govern your access to and use of this Site and the Site Materials, including mobile applications and constitutes a binding agreement between you and Mployer. This User Agreement also includes our Privacy Policy. By accessing and using Mployer, you agree to comply with the User Agreement and all Terms contained within.
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If you are using Mployer on behalf of a company or other legal entity, then "you" also means such company or legal entity and you agree to be bound by this User Agreement even if we have a separate agreement with you. You may not use Mployer if you do not agree to the version of the User Agreement posted on Mployer at the time you access Mployer. You may not use Mployer if we have terminated your account or banned you.Please note that we reserve the right, at our sole discretion, to change this User Agreement from time to time. Your continued use of this Site or any Site Materials after any such change takes effect will be deemed to constitute your acceptance of and agreement to the new User Agreement.

PLEASE READ THIS USER AGREEMENT CAREFULLY BEFORE ACCESSING, USING OR BROWSING THIS SITE OR ANY SITE MATERIALS. BY ACCESSING, USING OR BROWSING THIS SITE OR ANY SITE MATERIALS, YOU, ON BEHALF OF YOURSELF OR YOUR ENTITY, AS APPLICABLE, ACKNOWLEDGE AND CONFIRM THAT: (A) YOU HAVE READ AND UNDERSTAND ALL OF THE TERMS AND CONDITIONS OF THIS USER AGREEMENT; (B) YOU OR YOUR ENTITY, AS APPLICABLE, AGREE TO BE BOUND BY ALL OF THE TERMS AND CONDITIONS OF THIS USER AGREEMENT AND ACKNOWLEDGE THAT THIS USER AGREEMENT IS THE LEGAL EQUIVALENT OF A SIGNED, WRITTEN CONTRACT BETWEEN MPLOYER AND YOU OR YOUR ENTITY, AS APPLICABLE; AND (C) IF ACCESSING, USING OR BROWSING THIS SITE ON BEHALF OF AN ENTITY, YOU HAVE FULL AUTHORITY TO BIND YOUR ENTITY TO ALL OF THE TERMS AND CONDITIONS OF THIS USER AGREEMENT (COLLECTIVELY “USER AGREEMENT ACCEPTANCE”). IF YOU OR YOUR ENTITY, AS APPLICABLE, ARE NOT WILLING TO BE BOUND BY ALL OF THE TERMS AND CONDITIONS OF THIS AGREEMENT, INCLUDING WITHOUT LIMITATION THE PRECEDING ACKNOWLEDGEMENT AND AGREEMENT, DO NOT ACCESS, USE OR BROWSE OUR SITE; MPLOYER DOES NOT AND WILL NOT GRANT YOU ANY RIGHT OR LICENSE TO ACCESS, USE OR BROWSE THIS SITE OR THE SITE MATERIALS.

Upon your acceptance of the User Agreement, Mployer grants you a revocable, non-exclusive, non-transferable, limited license to access and view this Site and the Site Materials, and to copy, download, store and/or print only a single copy of any Site Materials, solely for your non-commercial, personal use and not for resale, disclosure or distribution to anyone else. With respect to any permitted copy of the Site Materials, you will reproduce and include all copyright, confidentiality and other proprietary notices included in such Site Materials on any such copy. All rights not expressly granted to you herein are reserved by Mployer; there are no implied licenses under this Agreement. The license granted to you in this User Agreement is expressly conditioned on your continued compliance with this User Agreement.

As between you and Mployer, all right, title and interest in and to the Site and the Site Materials, including without limitation the Ratings, and systems and methodologies used to create or display the Ratings and Lists, together with all intellectual property rights embodied therein, are the property of Mployer
or Mployer' affiliates. The Site and Site Materials are protected by law, including but not limited to U.S. and international copyright law, trademark law, trade secret law, as well as other state, federal, and international laws, regulations and treaties (collectively, "IP Laws"). Mployer does not claim any rights in unaltered government data, or any other data that is in the public domain.

You agree not to engage in any activity that would constitute copyright infringement with respect to the Site Materials, including without limitation the Ratings, Lists and/or the systems and methodologies used to create or display the Ratings and Lists. You acknowledge that Mployer selected, compiled, arranged and adjusted data and information regarding insurance brokers, consultants, agents as well as insurance companies, investment professionals and other business entities or individuals and the Ratings are original compilations (as defined by the 1976 Copyright Act, 17 U.S.C. § 101) containing material wholly and exclusively original to Mployer. You may not reproduce, create derivative works of, distribute, publicly perform or publicly display the Site Materials or any portion thereof without Mployer' prior written consent. By way of illustration but not limitation, except as expressly permitted in this User Agreement or otherwise permitted by us in writing, you may not, directly or indirectly, transmit, download, upload, post, sell, rent, license, transfer, disclose, mirror, frame, reverse engineer, decompile, disassemble, or use any aspect of this Site or any Site Materials (including, but not limited to, any Ratings or Lists), in whole or in part, in any form or by any means. Also by way of illustration but not limitation, except as expressly permitted in this User Agreement or otherwise permitted by us in writing, you may not, directly or indirectly, use any of the Ratings or Lists for any purposes other than your personal, non-commercial evaluation of insurance and investment businesses, to compile mailing lists or other lists for commercial purposes, or to establish independent data files or compendiums of statistical information or in violation of any applicable laws or regulations. Additionally, you may not use any metatags or any other "hidden text" utilizing the name "Mployer" without our prior written permission.

You agree not to cite (orally, in writing or otherwise), reproduce or re-publish the Ratings, Lists and Mployer marks in any manner likely to deceive or cause confusion in the marketplace. You understand and agree that, due to the nature of Mployer' products and services, any unauthorized citation, reproduction or re-publication of the Ratings or Lists and use of any of the Mployer mark is likely to be deceptive and cause confusion in the marketplace, suggest non-existent sponsorship or endorsement by Mployer, misappropriate Mployer' reputation, goodwill business opportunities and revenues, or otherwise misappropriate the cachet of Mployer ' products and/or services; thus, you agree not to cite (orally, in writing or otherwise), reproduce or re-publish the Ratings, Lists and Mployer marks without the prior written permission of Mployer and you hereby waive any right to assert any "nominative fair use" or "nominative use" defense in any trademark or copyright infringement action brought against you in the event that you do cite, reproduce or re-publish the Ratings, Lists or Mployer marks without the prior written permission of Mployer. You further acknowledge that other names and logos contained in this Site or in the Site Materials are trademarks and service marks of third parties and may not be used without the permission of the trademark or service mark owner.

The Ratings and Lists constitute confidential and valuable proprietary compilations owned by Mployer. You will protect the confidentiality of (and not disclose to any person) the Ratings or Lists for three (3) years from the date you accessed such information, by using at least the same degree of care as you use to protect your own confidential information, but no less than a reasonable degree of care. Your disclosure of information contained in the Ratings pursuant to a judicial or administrative order will not be deemed to be a breach of this User Agreement, provided that you provide timely written notice of such order to Mployer and reasonably cooperate with Mployer efforts to contest or limit the scope of such order. Any breach of the foregoing confidentiality obligation will cause Mployer irreparable harm for which there is no adequate legal remedy. In the event of any actual or threatened breach of this Agreement, Mployer will be entitled to obtain injunctive and all other appropriate relief from a court of competent authority, without being required to: (a) show any actual damage or irreparable harm; (b) prove the inadequacy of its legal remedies; or (c) post any bond or other security.Please be aware that we actively and aggressively enforce our intellectual property rights to the fullest extent of the law. Please send an e-mail to CustomerSuccess@mployeradvisor.com to inquire about the possibility of alternative arrangements regarding the Ratings and Lists.

Mployer Account. Some users may choose to create an account. In order for you to create a Mployer account, we require that you provide a valid email address. The email you use must be one where we can reach you. In the event we cannot correspond with you via this email address, your submitted content may be rejected and your account may be disabled. Other registration requirements may also apply. Once you have set up a password, you will be given access to your profile as applicable and other private areas. You are entirely responsible for maintaining the confidentiality of your password. You agree to notify us immediately if you suspect any unauthorized use of your account or access to your password. You are solely responsible for any and all use of your account. Passwords are subject to cancellation or suspension by Mployer at any time. When you set up an individual user account on Mployer, we create a private member profile (a "Profile") for you that will include personal information you provide. Subject to visibility settings that you control, subscribers to services we may introduce will be able to view information in your Profile.

If you wish to access certain areas of this Site or the Site Materials available on or through certain areas of this Site, you must choose a password during your completion of this Site's registration process. By registering, you represent, warrant and covenant that: (a) you are at least 18 years of age; (b) you are using your actual identity; (c) you have provided only true, accurate, current and complete information about yourself during the registration process; and (d) you will maintain and promptly update the information that you provide to keep it true, accurate, current and complete. You may update your information at any time by logging into the Site and clicking on "Log In."
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By logging onto this Site using any password, you represent, warrant and covenant that you are authorized to use such account and password and to engage in the activities that you conduct thereunder. You are solely responsible for the confidentiality and use of your password, as well as for any activities conducted on or through this Site using your password. If you wish to cancel a password, or if you become aware of any loss, theft or unauthorized use of a password, please notify us immediately. We reserve the right to delete or change any password at any time and for any reason.

Social Sign Up and Sign In. You may be able to register an account and subsequently access Mployer through a social networking site, such as Facebook or Google+ ("Social Networking Site"). If you access Mployer through a Social Networking Site you agree that we may access, make available through Mployer, and store (if applicable) any information, data, text, messages, tags, and/or other materials that you have provided to and stored and made accessible in your Social Networking Site account so that it is available on and through Mployer via your account and your Profile page. Subject to the privacy settings that you have set with the Social Networking Site account you use to access Mployer, personally identifiable information that you post to that Social Networking Site may be displayed on Mployer. Please note: your relationship with your Social Networking Sites is governed solely by your agreement with those Social Networking Sites and we disclaim any liability for personally identifiable information that may be provided to us by a Social Networking Site in violation of the privacy settings that you have set with that Social Networking Site account.

You represent and warrant that you will use Mployer solely for lawful purposes in a manner consistent with this User Agreement and any and all applicable laws, regulations, or other legally enforceable obligations (including contractual obligations) you may have towards us and any third parties. You are solely responsible for any and all Content, as later defined, that is posted through your account on Mployer ("Content").You agree that you will not:

In addition, you agree that you are solely responsible for all of your activity while using the Site.

a. As a condition of use of the Site, you represent and warrant that you shall not use our Site for any purpose that is unlawful, illegal, or prohibited by these Terms of Use.  You agree to abide by all applicable laws, rules, and regulations (including, without limitation, any laws regarding the export of data or software to and from the U.S., E.U., or other jurisdictions and all applicable national or local privacy laws).

b. You also agree that you will not attempt to re-sell, rent, lease, charge, distribute, transfer, or share any of the rights that you receive hereunder.

c. You will not use, choose, or select the username of another party with the intent to impersonate that party, to otherwise deceive us or any party, or to otherwise engage in fraudulent behavior.

d. You will not use, choose, or otherwise select a username that is subject to the rights of another party, without that party’s express authorization.

e. You will not use, choose, or otherwise select a username containing any terms, which would be vulgar, obscene, lewd, or otherwise offensive in nature.You agree to maintain a positive sense of decorum in all of your interactions with other Users on our Sites and with representatives of the Organization.

You agree to maintain a courteous and professional rapport with other users or with this Site’s representatives, including but not limited to, avoiding profanity, rudeness, insults, scandalous words or actions, or otherwise inappropriate behavior, during your use of the Site.

Third Party Content and Privacy Information Delivered to Third Parties
‍Some of the Site Materials, including but not limited to, certain industry information, product reviews, news, data, research, analysis and opinions, are provided by independent information providers ("IIPs"). We make no representations with respect to, nor do we guarantee or endorse the availability, accuracy, reliability, completeness, currency, quality, performance, suitability, or correct sequencing of any information, materials or other content provided by any of the IIPs. We do not endorse, oppose or edit any opinion or analysis expressed by any of the IIPs, and you hereby agree to waive all claims against Mployer arising therefrom. We assume no responsibility or liability for any information, materials or other content provided by any of the IIPs. Moreover, any private information you deliver to third parties accessed through a link at the Site will be held subject to the privacy policies of that third party, and not Mployer.

Content & Submissions - Forms
‍On the Mployer Site, there are forms that allow a user to request information from specific insurance brokerages and other listing profiles.  Where that party has provided their contact information, we will send your request directly to that party.  Where we do not have that party's contact information, we will reach out to that firm up to three times to notify them of your request.  If we are not successful, we will notify the requestor of what actions have occurred and present secondary options.

Content & Submissions - Rules and Permission to Use
Any and all materials (other than information given in connection with registration, which shall be treated as set forth in other provisions of this User Agreement), including without limitation suggestions, feedback, ideas, concepts, comments, illustrations and other materials that you disclose or offer to us on or in connection with this Site or any Site Materials ("Content") are submitted by you without any restrictions or expectation of confidentiality. You hereby assign to us without additional consideration or further obligation, all rights now known or hereafter existing to use, allow others to use, or assign the right to use, the Content. You further agree that your Content may be used without restriction for any purpose whatsoever, commercial or otherwise, without compensation to you, including the right to use, reproduce, modify, adapt, publish, transmit, publicly perform or display, translate, create derivative works from, or otherwise communicate to the public the Contents on this Site or elsewhere by us, our assigns or others we have allowed to use your Content. You will not assert any proprietary right or moral right of any kind with respect to any Content.

You represent and warrant to Mployer that you own, or are otherwise lawfully authorized to use, all Content and portions thereof that you transmit to or through this Site; any Content submitted by you will not contain any of the following material (the “Proscribed Material”):
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Rights to Your Content
We do not claim ownership in any Content that you submit to Mployer, but you grant us the rights to use such Content as set forth below. By submitting any Content to Mployer, you hereby grant to us an unrestricted, irrevocable, perpetual, non-exclusive, fully-paid and royalty-free, license (with the right to sublicense through unlimited levels of sublicenses) to use, copy, perform, display, create derivative works of, adapt and distribute such Content in any and all media (now known or later developed) throughout the world. To the greatest extent permitted by applicable law, you hereby expressly waive any and all of your moral rights applicable to Mployer's exercise of the foregoing license. You agree that this license includes the right for us to provide, promote, and improve Mployer and to make Content submitted to or through Mployer available to other companies, organizations or individuals for the syndication, broadcast, distribution, promotion or publication of such Content on other media and services, subject to this User Agreement and conditions for such Content use. No compensation will be paid with respect to the Content that you post through Mployer. You should only submit Content to Mployer that you are comfortable sharing with others under the terms and conditions of these Terms.

Rights to Mployer Content
Mployer  contains Content provided by us and our licensors. We and our licensors (including other users) own and retain all proprietary (including all intellectual property) rights in the Content we each provide and Mployer owns and retains all property rights in Mployer. If you are a user, we hereby grant you a limited, revocable, non-sublicensable license under the intellectual property rights licensable by us to download, view, copy and print Content from Mployer solely for your personal use in connection with using Mployer. Except as provided in the foregoing, you agree not to: (1) reproduce, modify, publish, transmit, distribute, publicly perform or display, sell, adapt or create derivative works based on Mployer or the Content; or (2) rent, lease, loan, or sell access to Mployer. Mployer ® is a registered trademark of Mployer, Inc. The trademarks, logos and service marks ("Marks") displayed on Mployer are our property or the property of third parties. You are not permitted to use these Marks without our prior written consent or the consent of the third party that owns the Mark.

M Score & Ratings
These ratings provided for users are complied primarily from data available in the public domain, proprietary datasets and user supplied information. The Ratings are our opinion only and should be one of many factors utilized when evaluating any industry participant. While Mployer employs numerous steps to cleanse data sources, Mployer does not guarantee the accuracy of data used in the algorithms that is currently in the public domain, provided by third parties or self-reported.

Removal of Content.
‍While Mployer has no obligation to do so, Mployer reserves the right to review and delete any Content (or portion thereof) that we believe, in our sole discretion, violates this User Agreement or other applicable policies posted on Mployer, or that we deem, in our sole discretion, inappropriate. If you see any Content on Mployer that you believe violates our policies, you may report that Content by contacting us at CustomerSuccess@mployeradvisor.com. Once notified, we will review the Content and consider whether to remove it (or a portion thereof). Please note: Our interpretation of our policies and the decision whether or not to edit or remove Content is within our sole discretion. You understand and agree that if we choose not to remove or edit Content that you find objectionable, that decision will not constitute a violation of this User Agreement or any agreement we have with you.

Other Enforcement Actions. While we have no obligation to do so, we reserve the right to investigate and take appropriate action in our sole discretion against you if you violate this User Agreement, including without limitation: removing Content (or portions thereof) from Mployer; suspending your rights to use Mployer; terminating your membership and account; reporting you to law enforcement, regulatory authorities, or administrative bodies; and taking legal action against you.

Defending Our Users. While we have no obligation to do so, we reserve the right, to the fullest extent permitted by applicable law, to take appropriate action to protect the anonymity of our users against the enforcement of subpoenas or other information requests that seek a user's electronic address or identifying information.

Connecting with an industry-participant.
The Site offers several avenues to support employers and other users in connecting with insurance advisors, carriers, financial managers and other industry participants. We provide this information as a benefit to employers searching and do not guarantee the accuracy of phone numbers, websites, emails to schedule a consult or any other information listed and shown. All utilization of the information on the Site is governed by the terms listed in this Agreement. For telephone and website information provided, we aggregate several sources including self-reported information to try and make the most accurate information available to employers. We make no guarantees on the accuracy of the data provided. For the schedule a consult feature, we will attempt to reach out to the broker you have selected on your behalf. If we are not able to connect you with that entity, we will inform you. We make no guarantee that we will be able to connect with the entity you have requested.

Our Compliance With The Digital Millennium Copyright Act (17 U.S.C. § 512).  Mployer, Inc. (“Organization,” “we,” “us,” or “our”), oversees the site, https://mployeradvisor.com/ (the “Site”).
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We comply with the takedown procedures and counter-notice mechanisms as specified under the Digital Millennium Copyright Act (the “DMCA”), 17. U.S.C. § 512.  Pursuant to the DMCA, notifications of claimed copyright infringement by third parties must be sent to our Designated Agent.  To contact our Designated Agent, please send an email to: CustomerSuccess@MployerAdvisor.com with the title "Designated Agent -

Legal Request" or by mail to
Mployer
209 10th Ave SSuite 560
Nashville, TN 37203

We have filed notice of our Designated Agent with the U.S. Copyright Office, and our Registration Number is: DMCA-1035274.Takedown Procedures

Copyright owners or agents may submit a notification of alleged infringement to us, pursuant to the DMCA.  We will only act on notices of claimed infringement made in accordance with the provisions of the DMCA.  For a notice of claimed infringement to be effective under the DMCA, the notification of claim must be a written communication to our Designated Agent.  If you, as a copyright owner or agent of an owner, believe that there is material on this Platform that infringes your copyright(s), you may submit a proper notification, as described in § 512(c)(3), which shall include:

NOTE:  Under § 512(f), any person who knowingly materially misrepresents that (a) material is infringing or (b) that material or activity was removed or disabled by mistake or misidentification shall be liable for damages, including attorneys’ fees incurred by the alleged infringer, by any copyright owner or licensee, or by the Organization, if such parties are injured by the misrepresentation.

Upon receipt of a proper notification of alleged copyright infringement, we will remove or disable access to the material identified in the notice, forward the written notification to the alleged infringer, and take reasonable efforts to notify the alleged infringer that we have removed or disabled access to the material in question.

Copyright Infringement Notifications Should Be Directed to Our DMCA Agent:

YOU ACKNOWLEDGE THAT IF YOU FAIL TO COMPLY WITH ALL OF THE REQUIREMENTS OF THIS SECTION, YOUR DMCA NOTICE MAY NOT BE VALID.

Counter-Notice Mechanism

Under the DMCA, claimants who make misrepresentations may be liable for any damages, including costs and attorneys’ fees, incurred by the Organization for relying upon a misrepresentation.  We reserve the right to pursue damages against such parties.

If a notice of copyright infringement has been filed with us in accordance with the above terms, and we disable access to the allegedly infringing content, the alleged third-party infringer may file a counter notification with our Designated Agent as listed above.

To be effective, a counter notification must be a written communication provided to our Designated Agent that includes the following:

If we receive a valid counter-notice, we will provide the original complainant with a copy of the counter notice, inform the complainant that it will replace the removed material or cease disabling access to it within fourteen (14) days from receipt of the counter notification, provided, however, that we do not receive notice from the complainant that an action has been filed seeking a court order to restrain the alleged infringer from engaging in infringing activity relating to the material on our computer system.

The DMCA provides penalties for a false counter notice filed in response to a notice of copyright infringement.  The Organization reserves the right to pursue damages, including attorneys’ fees, against claimants who make misrepresentations in their counter notification statement.

By complying with the forgoing, it is the Organization’s expressed intent to comply with the provisions of the DMCA to limit its liability to the fullest extent as provided therein.

Repeat Infringer Policy

We will terminate any customer account that is the subject of two (2) separate DMCA takedown notification violations.  For a customer whose content is removed and later restored as part of a DMCA takedown and subsequent counter-notification procedure, we will treat that underlying DMCA notification as having been withdrawn.  In any event, the Organization reserves the right to terminate any customer account, which is the subject of fewer than two (2) DMCA takedown notifications, according to our business judgment and as we deem appropriate, given the surrounding circumstances.

Links to Third-Party Websites. Mployer may contain links to third-party websites placed by us as a service to those interested in this information, or posted by other users. Your use of all such links to third-party websites is at your own risk. We do not monitor or have any control over, and make no claim or representation regarding third-party websites. To the extent such links are provided by us, they are provided only as a convenience, and a link to a third-party website does not imply our endorsement, adoption or sponsorship of, or affiliation with, such third-party website. When you leave Mployer, our User Agreement and policies do not govern your use of third-party websites.

Free Templates. From time to time we may provide you with templates for your use, such as, templates to help your firm solicit reviews from your employer, or templates to help your firm with postings, or general templates that provide advice to market place. You understand and agree that the templates we offer through Mployer are provided as suggestions and their contents do not constitute legal or employment advice. You accept that your use of any template provided by Mployer is at your own risk.

Special Provisions Applicable to Advertisers
This provision applies to all advertisers, including employers who purchase job ads or display ads. Unless we agree otherwise, you may not use or otherwise process data collected or derived from ads ("Ad Data") for any purpose (including retargeting, building or augmenting user profiles, allowing piggybacking or redirecting with tags, or combining with data across multiple advertisers' campaigns) other than to assess the performance and effectiveness of your campaigns on an aggregate and anonymous basis. You may not, and you may not permit a third-party to, transfer or sell any Ad Data to, or use Ad Data in connection with, any ad network, ad exchange, data broker, or other party not acting on behalf of you and your campaigns. You may use information provided directly to you from users if you provide clear notice to and obtain consent from those users and comply with all applicable laws and industry guidelines, including those applicable to data protection.

Term and Termination
This User Agreement will take effect at the time you access, use or browse this site or any Site Materials. We reserve the right, at any time and for any reason, without notice to you: (a) to deny you access to this site, the Site Materials or any portion thereof; (b) to change, remove or discontinue the site or any portion thereof, or any of the Site Materials or services available on or through this site; or (c) to terminate this User Agreement. Upon termination of this User Agreement, all licenses granted to you under this User Agreement immediately and automatically terminate and you may no longer access, browse or otherwise use this site, the Site Materials or any portion thereof.
Our Privacy Policy
We consider the protection of our users' personal data to be important. Therefore, we have adopted a Privacy Policy outlining our personal data collection and use practices. Please refer to it for details about how we collect and use personal information from users of this Site. By agreeing to the terms of this User Agreement, you are automatically agreeing to our Privacy Policy, which is incorporated herein by reference and is available publicly on our website.  Please contact CustomerSuccess@MployerAdvisor.com for a digital copy.

Confidentiality on the Internet
Use of the Internet is solely at your own risk and is subject to all applicable local, state, federal, and international laws and regulations. While we have endeavored to create a secure and reliable site, please be advised that the confidentiality of any communication or material transmitted to us over the Internet cannot be guaranteed. Consequently, neither we nor our affiliates are responsible for the security of any information transmitted via the Internet, the accuracy of the information contained on this site, or for the consequences of any reliance on such information. You are responsible for implementing sufficient procedures and security mechanisms to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to and separate from the Site to reconstruct any lost data.  We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of the Site or to your downloading of any material posted on it, or on any third-party website linked to it. Some jurisdictions do not permit us to exclude warranties in these ways, so it is possible that these exclusions will not apply to our agreement with you.  In such event, the exclusions shall apply to the fullest extent permitted under applicable law.

Electronic Communications with Mployer
Should you elect to send or receive e-mail communications of any kind to or from Mployer, you represent and warrant to Mployer that your e-mail service has appropriate and adequate security systems necessary to prevent unauthorized access to outbound or inbound e-mail transmissions. You further agree that the content (including any Site Materials) in any e-mail or other electronic communication you receive from Mployer is subject to the provisions of this User Agreement.

Site Monitoring
We reserve the right to view, monitor and record activity on this Site without notice to or permission from you. We may disclose any records, electronic communications, information, materials or other content of any kind: (a) if we believe in good faith that applicable law, regulation or legal process requires it; (b) if such disclosure is necessary or appropriate to operate this Site; or (c) to protect our rights or property or the rights or property of our users and business partners. However, we are not responsible for screening, policing, editing or monitoring this Site. We are committed to complying with all applicable U.S. and foreign laws and regulations, including without limitation copyright and related laws, and expect all Users of this Site to comply with all applicable laws and regulations as well. Using this Site to transmit any Proscribed Materials is expressly prohibited under the User Agreement.

If it comes to our attention, we discover or we are notified of an allegation that this Site or a Submission contains any Proscribed Materials, then we may, but have no obligation to, investigate the allegation and determine in our sole discretion whether to remove or request the removal of the same from this Site. Notices to us regarding any alleged violation of this User Agreement or copyright infringement on this Site should be directed to Mployer at the following e-mail address: CustomerSuccess@mployeradvisor.com.

Events Beyond Our Control
You absolve and release us and our Affiliates from any claim of harm resulting from any cause(s) over which we or they do not have direct control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses or other damaging code or data, unauthorized access, theft, operator errors, severe weather, earthquakes, natural disasters, strikes or other labor problems, wars, or governmental restrictions, and disclosure of your private health information that you have provided to third parties through links on our Site.

Disclaimers
THIS SITE AND THE SITE MATERIALS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, AND ARE INTENDED FOR INFORMATIONAL PURPOSES ONLY. WHILE WE ENDEAVOR TO PROVIDE THE MOST ACCURATE, UP TO DATE INFORMATION AVAILABLE, THE SITE MATERIALS MAY CONTAIN TECHNICAL OR OTHER INACCURACIES OR TYPOGRAPHICAL ERRORS, AND MAY BE CHANGED OR UPDATED WITHOUT NOTICE.
TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO: (A) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, RELIABILITY, COMPLETENESS, CURRENCY, QUALITY, PERFORMANCE OR SUITABILITY OF THIS SITE, THE SITE MATERIALS, OR ANY PRODUCTS, SERVICES OR RESULTS OBTAINED ON OR THROUGH THIS SITE; AND (B) ANY IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, THAT THIS SITE OR ANY SITE MATERIALS WILL ASSIST YOU IN IDENTIFYING A SUITABLE INSURANCE ADVISOR, BROKER, OR FOR ANY OTHER PURPOSE. WE DO NOT REPRESENT OR WARRANT THAT THIS SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT DEFECTS, IF ANY, WILL BE CORRECTED. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE AND THE SITE MATERIALS IS ENTIRELY AT YOUR OWN RISK.
FURTHER, WE EXPRESSLY DISCLAIM ANY AND ALL RESPONSIBILITY AND LIABILITY WITH RESPECT TO SEPARATE AGREEMENTS YOU MAY MAKE WITH INSURANCE ADVISORS, BROKERS OR WITH THIRD PARTIES WHO OFFER PRODUCTS OR SERVICES ON OR THROUGH THIS SITE, AND YOU WILL LOOK SOLELY TO SUCH INSURANCE ADVISORS, BROKERS AND THIRD PARTIES WITH RESPECT TO ANY AND ALL CLAIMS ARISING OUT OF SUCH AGREEMENTS AND/OR SUCH PRODUCTS OR SERVICES.

Limitations of Liability
NEITHER WE NOR OUR AFFILIATES WILL BE LIABLE FOR ANY DAMAGES RESULTING FROM YOUR USE OF, OR RELIANCE UPON, THIS SITE, ANY SITE MATERIALS, OR ANY PRODUCTS OR SERVICES OBTAINED ON OR THROUGH THIS SITE. IN THE EVENT OF ANY PROBLEM WITH THIS SITE, ANY SITE MATERIALS, OR ANY PRODUCTS OR SERVICES OBTAINED ON OR THROUGH THIS SITE, YOUR SOLE REMEDY IS TO CEASE USING SUCH ITEM(S).

UNDER NO CIRCUMSTANCES WILL WE OR OUR AFFILIATES, OR ANY OF OUR OR THEIR RESPECTIVE DIRECTORS, OFFICERS, SHAREHOLDERS, PROPRIETORS, PARTNERS, EMPLOYEES, AGENTS, REPRESENTATIVES, SERVANTS, ATTORNEYS, PREDECESSORS, SUCCESSORS OR ASSIGNS, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, LOST PROFITS AND DAMAGES THAT RESULT FROM INCONVENIENCE, DELAY, OR LOSS OF USE) ARISING OUT OF USE OF THIS SITE, ANY SITE MATERIALS, ARRANGEMENTS MADE BASED ON INFORMATION OBTAINED ON OR THROUGH THIS SITE, OR PRODUCTS OR SERVICES OBTAINED ON OR THROUGH THIS SITE, EVEN IF WE OR THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, this limitation may not apply to you.

Indemnity
You will defend, indemnify, and hold harmless Mployer and our affiliates, and our and their respective directors, officers, shareholders, proprietors, partners, employees, agents, representatives, servants, attorneys, predecessors, successors and assigns, from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs and expenses (including reasonable attorneys' fees and litigation expenses), relating to or arising from (a) your use of this site, any Site Materials, or any products or services obtained on or through this site, (b) any arrangements you make based on information obtained on or through this site, (c) any breach by you of this User Agreement or Privacy Policy, or (d) any use of Content or Submissions.

Governing Law and Selection of Venue
Regardless of the jurisdiction in which you work or reside, this User Agreement is made in the State of Tennessee, and will be construed and enforced in accordance with Tennessee law (without regard to its provisions governing conflicts of law), and the privacy laws of the State of Tennessee will govern.
ANY ACTION ARISING OUT OF THE CONTENT OF THIS SITE, YOUR USE OF THE SITE MATERIALS OR YOUR UNAUTHORIZED CITATION, REPRODUCTION OR RE-PUBLICATION OF ANY SITE MATERIALS OR USE OF ANY MPLOYER MARKS, OR ANY ACTION TO ENFORCE THIS USER AGREEMENT WILL BE BROUGHT ONLY IN THE FEDERAL OR STATE COURTS PRESIDING IN NASHVILLE, TENNESSEE, U.S.A., AND YOU EXPRESSLY AGREE TO BE SUBJECT TO THE JURISDICTION OF SUCH COURTS. USE OF THIS SITE IS LIMITED SOLELY TO PERSONS WHO AGREE TO RESOLVE ANY AND ALL DISPUTES PERTAINING TO THIS SITE IN THE FEDERAL AND STATE COURTS OF LOUISIANA, AND SUCH AN AGREEMENT IS AN EXPRESS CONDITION TO USE OF THIS SITE.
This site is controlled and operated by Mployer from its offices within the United States. We make no representation that this site or the Site Materials are appropriate or available for use outside of the United States, and access to this site or the Site Materials from territories where their contents are illegal is prohibited. Those who choose to access this site or the Site Materials from locations outside of the United States do so of their own volition and are responsible for compliance with applicable local laws.

Notices: Contacting Mployer
Notices to you may be posted on the site or sent to the e-mail address that you provide to us when you register, as Mployer deems appropriate. Such notice will be deemed given on the day the notice is posted on the Site or one business day after the e-mail is sent.

If you have any questions about this User Agreement, the site or the Site Materials, or if you need to notify us, then contact us at CustomerSuccess@mployeradvisor.com or at the following address:

Notice and Procedure for Claims of Copyright Infringement.
If you believe that any content, posting, Submission or other materials or information displayed on or provided through the site, including through a link, infringes your copyright, then you may submit a notification pursuant to the Digital Millennium Copyright Act by providing our Copyright Agent with an email at CustomerSuccess@mployeradvisor.com (please use subject line “DMCA Notice”). See 17 U.S.C. § 512 for more information. To be effective, the notice must be in writing and contain the following:

a. An electronic or physical signature of the person authorized to act on behalf of an exclusive copyright interest;
b. A description of the copyrighted work that you claim has been infringed;
c. A description of where the material that you claim is infringing is located on the site that is reasonably sufficient to enable Mployer to identify and locate the material;
d. How Mployer can contact you, such as your address, telephone number and email address;
e. 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; andf. A statement by you that the information in your notice is accurate and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner or the owner of an exclusive right in the material.

Any communication sent to the Copyright Agent or to CustomerSuccess@mployeradvisor.com for any purpose other than communication about copyright infringement may not be answered. Mployer may terminate the accounts of repeat infringers under appropriate circumstances.

If you believe that any material you submitted that was removed or to which access has been disabled is not infringing, or that you have the authorization of the copyright owner, the copyright owner’s agent or pursuant to law, to post and use the material, then you may send a counter-notice containing the following information to the Copyright Agent:

Your physical or electronic signature;
a. Identification of the material that has been removed or to which access has been disabled, and the location at which the material appeared before it was removed or access to it was disabled;
b. A statement under penalty of perjury that you have a good faith belief that the material was removed or disabled as a result of a mistake or misidentification of the material; andYour name, physical address, telephone number and email address, a statement that you consent to the jurisdiction of the federal court in Denver, Colorado, and a statement that you will accept service of process from the person who provided notification of the alleged infringement.

Miscellaneous
Failure to insist on strict performance of any provisions of this User Agreement will not operate as a waiver of any subsequent default or failure of performance. No waiver of any provision of this User Agreement will be valid unless in writing and acknowledged in writing or electronically by both parties. If any portion of this User Agreement is adjudged invalid or unenforceable by a court of competent jurisdiction, the remaining portions will remain valid, enforceable, and in effect, and the parties will promptly substitute for the invalid provision an enforceable provision which resembles the invalid provision as closely as possible in intent and economic effect. No joint venture, partnership, employment or agency relationship exists between you and Mployer as a result of this User Agreement or your use of this Site or any Site Materials. This User Agreement constitutes the entire agreement between you and Mployer with respect to your use of this Site and the Site Materials, and supersedes any and all prior understandings or agreements between you and Mployer, whether written or oral. You acknowledge that, in providing you access to and use of this Site and the Site Materials, we have relied on your User Agreement Acceptance.

Last Updated on July 1st, 2022.

The following terms (“Agreement”), in addition to the User Agreement above, and governs Customer’s access to and use of your Business Account. In the event of any conflict between these Business Terms and the above Terms & Conditions, the Business Terms apply. If you have purchased products or services from Mployer on behalf of your business (e.g., featured brokerage, or others), the terms of that purchase apply in the event of any conflict with these Business Terms.

1. Authorized Representative(s) & Customer Responsibility: This agreement extends to all Authorized Representatives of the Customer, defined as a person(s) within Customer’s organization, either employees or contractors, whom the Customer grants access to Mployer Services.  The Customer is (i) solely responsible for managing access, including granting and revoking, of Authorized Representative(s) and are liable for any action that an Authorized Representative takes on the behalf of the Customer; (ii) Customer shall abide by, and ensure compliance with, all laws related to privacy, intellectual property, and material ownership; (iii) the Customer has the authority to act on behalf of their specific business location or organization and binds any such business location or organization to this Agreement; (iv) access to or use of the Services will only be in Customer’s capacity as a representative of the Customer’s business.

2. Content & Work Product. To provide Services, Customer may be required to provide to Mployer different forms of Content, defined as Customer branding information including logos and other promotional material, including employer reviews, as well as business and customer information including names, locations, addresses, employee benefit plan designs, property and casualty insurance policy designs, 401k and financial policy information and other related material. In sharing this information, Customer represents and warrants to Mployer that Customer has the authority to provide Content to Mployer. Customer should only submit Content that Customer has express authority to share for business purposes. Mployer does not claim ownership in any content that the Customer submits or authorizes for use to Mployer. By submitting Content to Mployer, the Customer hereby grants to Mployer license to utilize such content, consistent with the intent of the relationship, that is a fully-paid and royalty-free, license to use, perform, display, create derivative works of, adapt and distribute such content (now known or later developed). Mployer grants Customer a royalty-free, non-transferable and exclusive license to use any Services provided for Customer and Customer agrees that Mployer owns all rights, title and interest in any Service provided.

3. Order Form & Services. Pricing and services provided under this agreement will be governed by the attached Order Form. This Agreement is for the term specified in the Order Form and shall be automatically renewed for additional periods of the same duration as the initial service term unless either party requests termination at least thirty (30) days prior to the end of the then-current term. If the Customer or Mployer fail to comply with any provision of this Agreement, either party may terminate this Agreement immediately. No refund will be issued unless legally required.

4. Liability. To the fullest extent permitted by applicable law, in no event will Mployer be liable to any party for any direct, indirect, incidental, special, exemplary or consequential damages of any type whatsoever related to or arising from the use of Services, including, without limitation, any lost profits, business interruption, lost savings, or loss of programs or other data. This exclusion and waiver of liability apples to all causes of action, whether based on contract, warranty, tort, or any other legal theories.

5. Indemnification. Mployer and the Customer each agree to indemnify, defend and hold harmless the other, its affiliates, officers, directors, employees, consultants, agents, suppliers and resellers from any and all third-party claims arising from their own acts or omissions in (1) the use of the Services, (2) violation of this Agreement, or (3) the infringement or violation of any intellectual property rights.

6. Arbitration, Disputes and Choice of Law. Any controversy or claim arising out of or relating to this Agreement shall be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. Arbitrations will be held in Nashville, Tennessee and governed by the laws of the State of Tennessee.   Notwithstanding the foregoing, for any business claim that is not subject to arbitration, including without limitation excluded business claims, the Customer agrees to submit and consent to the personal and exclusive jurisdiction in, and the exclusive venue of, the state and federal courts located within the state of Tennessee, which is the place of performance of these business terms.  The Customer and Mployer agree that each may bring or participate in business claims against the other only in their respective individual capacities, and not as a plaintiff or class member in any purported class or representative proceeding.

7. Miscellaneous. This Agreement constitutes the entire agreement between the Customer and Mployer regarding the use of Services.  Failure to exercise or enforce any right or provision of the Agreement shall not operate as a waiver of such right or provision. If any provision of the Agreement is found to be unenforceable or invalid, then only that provision shall be modified to reflect the parties’ intention or eliminated to the minimum extent necessary so that the Agreement shall otherwise remain in full force and effect and enforceable.