General Terms

Last updated: February 11, 2016

These terms of use apply to you when you view, access or otherwise use the ERISAfire.com website, including the various blogs that it hosts. The blogs are hosted by Silver Stag Capital, LC d/b/a “ERISAfire” (“ERISAfire”); the content published in those blogs is created by and owned by the insurance brokerage or employee benefits consulting firm (“Consultant”) that authors the blog. ERISAfire and Consultant grant you a nonexclusive, nontransferable, limited right to access, use and display the blog and the materials provided hereon, provided that you comply fully with these terms and conditions of use.

The purpose of these blogs is to provide news and information on employee benefits compliance, and all data provided on this site is for informational purposes only and should not be considered legal advice. Neither ERISAfire nor any Consultant is a law firm, and they do not provide legal advice. Some blog authors are lawyers, and some of the information on the blog relates to legal topics. The transmission of information on the blogs is not intended to establish, and receipt of such information does not establish or constitute, an attorney-client relationship. The reader should not act on the information contained in any of the materials on the blogs without first consulting legal counsel. The blogs are not intended to be advertising, and none of the lawyers who might write blog posts desire to represent anyone desiring representation based upon viewing this blog. In fact, in order to ensure the high quality of information provided through the ERISAfire blogs, ERISAfire prohibits the lawyers who write blog posts from using their posts to drum up business.

While Consultants may try to revise their respective blogs on a regular basis, the blogs may not reflect the most current compliance information or legal developments. The opinions expressed at or through the blogs are the opinions of the individual author and do not reflect the opinions of ERISAfire or any Consultant.

The information on the blogs may be changed without notice and is not guaranteed to be correct, complete or up-to-date. Neither ERISAfire nor any Consultant will be liable for any losses, injuries or damages arising from the consumption, display or use of any blog hosted by ERISAfire. The information in this blog is provided as is, with no warranties and confers no rights.

Materials on the blogs may only be reproduced in their entirety (without modification) for the individual reader's personal and/or educational use and must include these terms of use.

Some materials on the blogs contain links to other resources on the Internet. Such links are provided as citations and aids to help individual readers identify and locate other Internet resources that may be of interest and are not intended to state or imply that ERISAfire or any Consultant sponsors, is affiliated or associated with, or is legally authorized to use any trade name, trademark, logo, legal or official seal or symbol that may be reflected in any such links.

Blogs hosted by ERISAfire are moderated blogs. That means all comments will be reviewed before posting. Comments that contain abusive or vulgar language, spam, hate speech, personal attacks, or similar content will not be posted. Comments that are spam, are clearly "off topic" or that promote services or products or contain any links will not be posted. Comments that make unsupported accusations will also not be posted. ERISAfire reserves the right to edit, modify, delete or refuse to post any comment for any reason or no reason whatsoever, with or without notice to any reader or commenter.

The blogs are a 24/7 medium and your comments are welcome at any time. However, moderating and posting of comments typically occur Monday through Friday during regular business hours. Comments submitted after hours or on weekends will be read and posted as early as possible on the following business day.

To protect your own privacy and the privacy of others, do not include personally identifiable information, such as Social Security number, account numbers, phone numbers or email addresses, in the body of your comment. If you do voluntarily include personally identifiable information in your comment, such as your name, that comment may or may not be posted on the page. If your comment is posted, your name will not be redacted or removed. Any information you include with a comment, including your real name or screen name, may be displayed on our site.

These terms of use incorporate the provisions of the ERISAfire copyright policy. Commenters represent and warrant that their comments will not infringe on the intellectual property rights of any other person or entity, including any copyright, trademark or patent. If you believe your intellectual property rights have been infringed, please follow the DMCA procedures found in the ERISAfire copyright policy.

ERISAfire reserves the right to modify these terms with or without notice any time for any reason or no reason at all.