Regarding trademarks, patents and copyrights
The software, publications and support are provided by Pension Systems Corporation for Licensee's exclusive use pursuant to the terms in the Pension Systems Corporation User License Agreement. Pension Systems Corporation claims copyright and trademark protection for all Software and copyright for all such publications and videos. Should the User License Agreement be terminated for any reason, the right of Licensee to use Pension Systems Corporation-supplied software, publications and support shall be revoked. Unauthorized use of software and/or publications constitutes copyright infringement, subjecting violator(s) to both civil and criminal penalties under federal law.
This web site and all Pension Systems Corporation software, publications and videos are protected by claim of copyright.
In no event shall Pension Systems Corporation or its affiliated companies be liable for any damages whatsoever (including, without limitation, damages for loss of profits, business interruption and/or loss of information) arising out of the use of or inability to use the materials, even if Pension Systems Corporation has been advised of the possibility of such damages; because some jurisdictions prohibit the exclusion or limitation of liability for consequential or incidental damages, such a limitation may not apply to you.
Pension Systems Corporation has no duty to perform any action other than those specified in its User License Agreement. Pension Systems Corporation has no duty to determine or advise Licensee of the investment, tax or other consequences resulting from Licensee's own actions or inactions involving Licensee's company's qualified plan(s). Pension Systems Corporation is not responsible or liable for the investment, tax or other consequences resulting from any of Licensee actions, or from Pension Systems Corporation's actions in following any of Licensee's directions or from Pension Systems Corporation's inaction in the absence of any directions from Licensee.
Regarding applicable laws
Regarding this web site and sites linked to it
Regarding information you transmit to us (by any means)
You can help us maintain the accuracy of your information by notifying us if there are any changes in your company's address, contact personnel, company phone number, e-mail address, etc.
Regarding mutual funds, brokerage accounts, investing and NASD license information
Pension Systems Corporation does not recommend any investment advisory service or product, nor does it offer any advise regarding the nature, potential value or suitability of any particular security transaction or investment strategy.
Mutual fund companies open and close portfolios all the time, often without warning. While we do our best to keep our fund family listings up to date, we cannot guarantee that any listing is totally current.
Material presented in this web site is for information purposes only; it does not imply an endorsement of any investments mentioned nor of any particular investment mix.
No offer of solicitation to buy or sell any of the securities listed in this web site is being made by Pension Systems Corporation, and there is no guarantee, either stated or implied, that any investments listed will perform as successfully in future years as they may have in past years.
Neither Pension Systems Corporation nor any of the information contained in this web site is intending to supply investment, tax, or legal advice.
Investing always involves a degree of risk. The wise investor assesses the risk-reward relationship before investing or allocating funds, an assessment that involves reviewing fund prospectuses. It is strongly recommended that investors read the mutual fund prospectuses for relevant investments before making any investment selections. Prospectuses are available from Pension Systems Corporation (818-501-4015), any other NASD Broker-Dealer, or from the mutual fund companies themselves; mutual fund company telephone numbers are provided with their investment listings.
As stated above, investing always involves a degree of risk. You agree in viewing this web site or any of its information to defend, indemnify and hold harmless Pension Systems Corporation, Pension Service Associates Securities, their information providers and information transmitter from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorney's fees) arising from your violation of the below User License Agreement or of any third-party's rights, including but not limited to infringement of any privacy rights.
An NASD Broker-Dealer, Registered Investment Advisor, BD agent or IA rep may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if they are excluded or exempted from the state's broker-dealer, investment advisor, BD agent or IA rep requirements, as the case may be. Some states allow NASD-Registered Broker-Dealers to perform a limited number of transactions without state registration.
Follow-up, individualized responses to consumers in a particular state by a broker-dealer, investment advisor, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's broker-dealer, investment advisor, BD agent or IA rep requirements, or pursuant to an applicable state exemption or exclusion.
If an investment advisor is registered with the SEC, states may not require registration, licensing, or qualification of the investment advisor or his or her supervised persons, except that states may license, register or otherwise qualify IA reps who have a place of business located within the state.
If an investment advisor does not qualify for SEC registration, in most states his or her actions are governed by state laws. State registration authority is limited, however, by a national de minimis standard that prohibits the laws of any state requiring registration, licensing or qualification as an investment advisor if the advisor does not have a place of business located in the state and during the prior 12 months had five or fewer clients residing in the state.
Federal and state securities laws are designed to ensure that, prior to any direct communication between a broker-dealer or investment advisor and a prospective client residing in a particular state, the broker-dealer or investment advisor must first be registered in the state, or must qualify for an exemption from such requirement.
Internet communications of regulated investments must contain a mechanism, including and without limitation, technical "firewalls" or other implemented policies and procedures, designed reasonably to ensure that prior to any subsequent, direct communication with prospective customers or clients in any state, said broker-dealer, investment adviser, BD agent or IA rep is first registered in the state or qualifies for an exemption or exclusion from such requirement. Nothing in this paragraph shall be construed to relieve a state registered broker-dealer, investment advisor, BD agent or IA rep from any applicable securities registration requirement in any state.
Internet communications cannot involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as may be, in any state over the Internet, but is limited to the dissemination of general information on products and services.
For information concerning the licensure status or disciplinary history of a broker-dealer, investment advisor, BD agent or IA rep, a consumer should contact his or her state securities law administrator or the NASD at 800-289-9999 or through www.nasd.com (click on Investor Services, then About Your Broker, then The NASD Public Disclosure Program).
Regarding general information
Pension Systems Corporation has no duty to perform any action other than those specified in Pension Systems Corporation User License Agreement. Pension Systems Corporation has no duty to determine or advise Licensee of the investment, tax or other consequences resulting from Licensee's own actions or inactions involving Licensee's company's qualified plan(s). Pension Systems Corporation is not responsible or liable for the investment, tax or other consequences resulting from any of Licensee actions, or from Pension Systems Corporation's actions in following any of Licensee's directions or fro Pension Systems Corporation's inaction in the absence of any directions from Licensee.
Patent & Trademark Protection
The Software is both patented and patent pending in the United States and Canada. Pension Systems Corporation, 401(k) Easy, Small Business 401k, and 401(k) Easy Pro, Advisors 401(k), Run-It-Yourself, Self-Service, Payroll IRA Easy, 401(k) E Z, Pension Motor Corporation, Quick-Tab 401(k), Pension Service Associates, 403(b) Easy, and Panted, Inc. are Registered Trademarks.
Copyright Protection & Limitation of Use
The Software, Publications and Support are provided by Pension Systems Corporation for Licensee's exclusive use pursuant to the terms of terms in the Pension Systems Corporation User License Agreement. Pension Systems Corporation claims patent, copyright and trademark protection for all Software and copyright for all Publications and Videos. Should the User License Agreement be terminated for any reason, the right of Licensee to use Pension Systems Corporation-supplied Software, Publications and Support shall be revoked. Unauthorized use of Software and/or Publications constitutes copyright infringement, subjecting violator(s) to both civil and criminal penalties under federal law.
Regional Prototype Plan & Adoption Agreement
If Licensee adopts the Regional Prototype Plan by completing an Adoption Agreement, the following terms shall apply:
Trade Secret Protection & Limitation of Use
By accepting the Pension Systems Corporation User License Agreement, Licensee understands and acknowledges that Pension Systems Corporation's trade secrets consist of information, materials, computer programs and methodologies that are valuable and not generally known by Pension Systems Corporation's competitors. Disclosure of trade secrets includes:
(a) information and materials relating to Pension Systems Corporation's accounting, allocating and processing
(b) marketing, cost, pricing information and customer lists. Employer shall make use of Pension Systems Corporation's trade secrets only for the purposes specified and described in the Pension Systems Corporation User License Agreement. In consideration of Pension Systems Corporation's disclosure of its trade secrets to Licensee, Licensee agrees to treat Pension Systems Corporation's trade secrets with the same degree of care and safeguards taken with his or her own trade secrets, but in no event less than a reasonable degree of care. Licensee agrees that without Pension Systems Corporation's prior written consent.
Licensee will not:
(a) disclose Pension Systems Corporation's trade secrets to any third party,
(b) make or permit to be made copies or other reproductions of Pension Systems Corporation trade secrets, or
(c) make any commercial use of Pension Systems Corporation trade secrets.
Licensee will not disclose Pension Systems Corporation's trade secrets to employees, agents or consultants unless they have the need to know the information in connection with their employment or consultant duties and they personally agree in writing to be bound by the terms of the Pension Systems Corporation User License Agreement.
Injunction Relief: Licensee acknowledges that the Software contains proprietary trade secrets of Pension Systems Corporation and hereby agrees to maintain the confidentiality of the Software using at least as great a degree of care as Licensee uses to maintain the confidentiality of Licensee's own most confidential information. Licensee acknowledges that the disclosure of any aspect of the Software, of any other confidential information referred to herein, or of any information which, at law or in equity ought to remain confidential, will immediately give rise to continuing irreparable injury to Pension Systems Corporation inadequately condensable in damages at law. Accordingly, Pension Systems Corporation may immediately terminate the Pension Systems Corporation User License Agreement, including all license rights granted therein, in the event Licensee breaches any of its material confidentiality obligations regarding the Software, Publications and Support. In addition, Pension Systems Corporation is entitled to obtain immediate injunctive relief against the breach or threatened breach of any of the foregoing undertakings, in addition to any other legal remedies which may be available and Licensee hereby consents to the obtaining of such injunctive relief.
The user license agreement
Regarding Pension Systems Corporation privacy pledge
Questions and Answers About the Pension Systems Corporation (PSC) Privacy Practices:
1. How does PSC protect the confidentiality and security of your information?
2. What information do we collect from and about you?
Depending on the nature of your relationship with us, we must obtain certain information to meet legal and regulatory requirements. In all cases, we collect only personal financial information that is either required or necessary to provide personalized financial services to you. We obtain information about you from application and other forms, such as name, address, Social Security number, telephone number and income. We collect information about your financial transactions, such as securities bought and sold, Visa and checking transactions, and fund transfers, with companies in our corporate family ("affiliates"). We may obtain information about you from third parties, such as a consumer report from a consumer reporting agency. We may verify income, identity or asset information about you.
3. What information do we disclose to affiliates about you?
We may disclose some or all of your personal information to our corporate affiliates, including transfer agents, banks, insurance companies and agencies, trust companies, mortgage bankers, securities broker-dealers; and investment advisers. We do this in order to offer you a broad range of products and services and to comply with applicable regulations.
4. What information do we disclose to nonaffiliated third parties about you?
Pension Systems Corporation will, as necessary, use various services from nonaffiliated third parties. We use these external service providers for the purpose of supporting the financial products and services we provide to you. For example, we provide information to external service providers so that your account statements can be printed and mailed. These parties must agree to comply with stringent security and privacy policies and procedures. We may also disclose information to government agencies and regulatory organizations when permitted or required by law.
5. What information do we disclose about former clients and to whom?
We may disclose some or all of a former client's personal information to government agencies and self-regulatory organizations when permitted or required by law, such as when required to file abandoned property reports and to comply with subpoenas and other official governmental requests. If a former client had a loan with us, we may report the performance of that loan to consumer reporting agencies.