Terms of Use Notice of Monitoring Please be advised that activities on this system are subject to monitoring at any time. This includes, but is not limited to, the monitoring of web, data, and application usage, as well as all forms of communication made through the system. The purpose of this monitoring is to ensure system security, compliance with company policies, and the effective operation of our systems. Monitoring is conducted to detect and prevent unauthorized access, to ensure the integrity and availability of our systems, and to support operational, maintenance, auditing, security, and investigative activities. By continuing to use this system, you consent to such monitoring and acknowledge that if such monitoring reveals possible evidence of criminal activity or policy violation, system personnel may provide the evidence from such monitoring to company management and/or law enforcement officials. Permitted Use of Site This website has been created and is being maintained by Inceptia. By accessing this website, you acknowledge and agree to be bound by the following terms and conditions, including any terms and conditions that may be modified from time to time without notice by Inceptia and posted in or on this site. If you do not agree to these terms and conditions, then do not use this site. Authorization of Use All right, title and interest in and to this website is owned by Inceptia. The content, organization, text, “look and feel”, layout, graphics, images, logos, icons, design, compilation, magnetic translation and digital conversion related to this site are copyrighted material of Inceptia. The site is protected by both the United States and foreign copyright, patent, trademark, and other relevant law and international treaty provisions. Subject to the terms and conditions provided for herein, any person may access this site and is granted a limited, non-exclusive license to view, print, use, download, reproduce, display or reprint, solely for personal or other non-commercial purposes, matters associated with the site, provided that they do not modify or alter the materials in any way, nor delete or change the Inceptia copyright notice as it appears in these materials. The information and materials may not be otherwise copied, distributed, downloaded, modified, reproduced, reused or otherwise used except as provided herein without Inceptia’s prior written consent. Inceptia reserves complete title and full intellectual property rights for information and materials downloaded from this site. The user agrees to comply with all applicable laws in using this site and/or the data, information and material contained herein. Inceptia reserves the right to terminate access to this site at any time without notice. As a user, you agree not to use any robot, spider, scraper, or any other automatic or computer-generated device, or manual process to monitor or copy the site pages or content contained herein without Inceptia’s prior written consent. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the site or any transaction being conducted on the site. Restrictions on Use You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works or republish all or any portion or content of the site for any commercial or public purpose without the prior consent of Inceptia. Unless other arrangements have been made with Inceptia, you may not use any portion of the site or any site content as a link to any other site used or administered by you without first obtaining written consent from Inceptia pursuant to a written authorization and license agreement. Copyrights and Trademarks Copyright and other relevant intellectual property rights exists on all text relating to the Company’s services and the full content of this website. All rights are reserved under the copyright laws of the United States of America. The names and logos of Inceptia and its affiliates are registered service marks owned by Inceptia or its affiliates. All other products and service marks contained in this site are the trademarks/service marks of their respective owners. You may not use, copy, display, distribute, modify or reproduce any of the copyrighted materials or trademarks found on this site except as specifically authorized herein. No Warranties The user of this website assumes all responsibilities and risk for the use of this site and the Internet generally. Inceptia, its affiliated companies, and all data suppliers disclaim all warranties, representations, or endorsements, express or implied, with regard to the data, information, and material included in, or accessible from, this site or the Internet, including, without limitation, all implied warranties of merchantability, fitness for a particular purpose, or noninfringement. Inceptia and its affiliated companies have the right to discontinue, change, or update any data, information, or material included in this site without prior notice, and they do not assume any legal liability or responsibility for the accuracy, completeness or usefulness of any data, information or material included in, or accessible from, this site. No advice or information given by Inceptia or its affiliated companies or their respective agents and/or employees shall create any warranty. Neither Inceptia nor its affiliated companies warrant that the data, information, or material included in this site or on the Internet will be uninterruptible or error free, or that any data, information, software, or other material accessible from this site is free of viruses or other harmful components. THIS SITE, INCLUDING ALL INFORMATION MADE AVAILABLE IN OR ACCESSED THROUGH THIS SITE, ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. IN NO EVENT SHALL Inceptia OR ITS AFFILIATED COMPANIES BE LIABLE FOR ANY COMPENSATORY, SPECIAL, DIRECT, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES, EXEMPLARY DAMAGES, OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA, INFORMATION OR PROFITS, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE DATA, INFORMATION, OR MATERIAL INCLUDED IN THIS SITE OR ON THE INTERNET GENERALLY, OR ANY OTHER BASIS. Disclaimer This website is designed to provide accurate and authoritative information with regard to the subject matter covered. It is provided with the understanding that Inceptia is not engaged in rendering legal, accounting or other professional advice. Since individual situations may be fact-dependent, and if expert advice is required, the services of a competent professional should be sought. Before acting on the suitability of this information for your personal situation, please consult your accountant, financial advisor, investment counselor or other knowledgeable professional. References to specific companies, stocks or other investments are “for example only” and such information may have been previously disseminated in another format. Disclaimer of Endorsement The Internet sites that are available through certain links included in this website, and the data, information and material found at such Internet sites, are not under the control of Inceptia or its affiliated companies. Therefore, the reference in this site to any products, services, processes or other information of any third party by a trade name, trademark, service mark, manufacturer, supplier or otherwise does not necessarily constitute or imply its endorsement, sponsorship or recommendation by Inceptia or its affiliated companies. The product and service information are the sole responsibility of each individual vendor. Disclaimer of Use of Forms Inceptia and its affiliated companies cannot represent nor endorse the accuracy or reliability of any of the information, material or functions which are displayed, downloaded, uploaded or distributed through the site. Any calculations contained on this site merely provide the user with estimates that may be different from the actual, applicable amounts. The actual computation amounts are established by the user and the third party entity. The use of this site to submit any forms which may be provided via this site does not automatically qualify the user for financial aid or other benefits. The user must contact the third party entity or (if and when relevant) Inceptia and its affiliated companies to obtain the relevant follow up and/or confirmation data. When indicated, the user may print and return a completed form to Inceptia or one of its affiliated companies, depending on the type of benefit program involved. Inceptia and its affiliated companies reserve the right to invalidate requests which are submitted on altered forms. Any requests and/or applications which are submitted must first be reviewed and approved by Inceptia and/or its affiliated companies before becoming effective. Disclaimer as to Confidentiality Transmissions to and from this website are not confidential or encrypted and it may be possible for the user’s communications to be read or intercepted by others. Restrictive Rights Except as otherwise provided for herein, the data, information, and material included in this website is provided to the user with restricted rights. Use, duplication, or disclosure by the United States government is subject to the restrictions that are set forth in subparagraph (c) of the Rights in Technical Data and Computer Software clause at DFARS 252.227-7013 or subparagraphs (c)(1) and (2) of the Commercial Computer Software – Restricted Rights at 48 C.F.R. §52.227-19, as applicable. Indemnification The user agrees to indemnify, defend and hold harmless Inceptia, its directors, officers, employees, and agents from and against all losses, expenses, damages, and costs, including reasonable attorney fees, arising out of or relating to use of the site by the user or any other person accessing the site using such person’s user name and/or password. Content and Availability The content and availability of this site may change at any time. Inceptia will not be liable to you for any change to the site or in connection with the availability of the site.