(updates as of November 11, 2009)

By using this website you agree to the Terms and Conditions of Use stated below.

Trademarks and Copyrights

Ascensus is the sole copyright owner of Ascensus Single Sign-On (the "Software"), including the accompanying materials and all documents generated by the Software. Reproduction or duplication by any means of the Software or any accompanying materials or the documents, without the written permission of Ascensus, is strictly prohibited and in violation of federal copyright laws. Although all reasonable efforts have been taken to ensure that the calculations produced by the Software are consistent with any applicable federal tax law and regulations in effect as of the date of creation, Ascensus cannot guarantee the complete accuracy of the calculations produced by the Software.

The Software provides calculations based on both information selected and entered by the financial organization or client, and on assumptions contained in the Software. It is the responsibility of the financial organization to familiarize itself with the assumptions set forth in the Software, to notify its end users of the existence of such assumptions, and to monitor and educate its employees and agents concerning law changes and the impact such changes may have upon assumptions and projections contained in the Software. The Software is designed only to assist the financial organization in providing calculations and is not a replacement for competent legal and tax advice. All output must be reviewed to ensure accuracy. It is understood that Ascensus is not providing legal, tax, accounting, financial planning or estate planning advice to the financial organization or any of its customers.

No Warranties

Although Ascensus has attempted to provide accurate information on this website, it assumes no responsibility for the accuracy of the information. Ascensus makes no representations or warranties on this website with respect to its product or service offerings. Information regarding products or services offerings contained on this website, including but not limited to information regarding features and benefits, technical information or other similar information contained in documentation available on or from this website, shall not be incorporated or integrated into any Ascensus warranty or other contractual right, privilege or obligations otherwise provided under the terms of any agreement with Ascensus. Ascensus may make changes to the materials or products described in this website at any time, without notice. Ascensus makes no commitment to update these materials.

ALL INFORMATION PROVIDED ON THIS WEBSITE IS PROVIDED TO YOU ON AN "AS IS" BASIS, WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. ASCENSUS MAKES NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF ANY CONTENT AVAILABLE THROUGH THIS WEBSITE. YOU ARE RESPONSIBLE FOR VERIFYING ANY INFORMATION BEFORE RELYING ON IT. USE OF THIS WEBSITE AND THE CONTENT AVAILABLE ON THIS WEBSITE IS AT YOUR SOLE RISK. ASCENSUS MAKES NO REPRESENTATIONS OR WARRANTIES THAT USE OF THIS WEBSITE WILL BE SECURE, UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY OBTAIN FROM THIS WEBSITE IS FREE OF VIRUSES.

Limitation of Liability

ASCENSUS SPECIFICALLY DISCLAIMS ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO OR USE OF THIS WEBSITE, EVEN IF ASCENSUS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING BUT NOT LIMITED TO RELIANCE BY ANY PARTY ON ANY CONTENT OBTAINED THROUGH THE USE OF THIS WEBSITE, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF OR UNAUTHORIZED ACCESS TO THIS WEBSITE, OR RELATED INFORMATION OR PROGRAMS.

Content of Materials

The materials on this website have protected information. This means it cannot be used or copied without the owner’s written consent. In most cases the owner is Ascensus. In some cases the owner is a third party.

These Terms do not apply to content already in the public domain. Content in the public domain is information that you can find in other places.

Links to Other Websites

This website may contain links to third party sites. Access to any other Internet site linked to this website is at the user's own risk and Ascensus is not responsible for the accuracy or reliability of any information, data, opinions, advice or statements made on these sites. Ascensus provides these links merely as a convenience and does not endorse the companies or contents of any linked sites.

Free from Fault

You agree not to make any claim against Ascensus or its parents, affiliates, subsidiaries, employees, contractors, agents, officers and directors. This includes claims for third party lawyers' fees that might result from your use of this website. It also includes claims related to any rights of a third party you might violate or laws you might break in using this website.

The Digital Millennium Copyright Act

Ascensus reserves the right, but not the obligation, to terminate your access to this website if it determines in its sole and absolute discretion that you are involved in infringement activity, including alleged acts of first-time or repeat infringement, regardless of whether the material or activity is ultimately determined to be infringement.

Ascensus and its service providers accommodate and do not interfere with standard technical measures used by copyright owners to protect materials. Our designated agent to receive notification of claimed infringement is: DMCANotice@ascensus.com.

Any notice regarding any infringement of copyright or of other proprietary rights must include the following information:

If you choose to access this website from outside the United States you do so upon your own initiative and are responsible for compliance with U.S. and local laws, if and to the extent that local laws are applicable. Software is subject to United States export controls. No software may be downloaded or otherwise exported or re-exported (i) into (or to a national resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country to which the U.S. has embargoed goods, or (ii) to anyone on the U.S. Treasury Department list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders. You represent and warrant that you are not located in, under the control of, or a national resident of any such country or on any such list. You agree to comply with U.S. export control laws and that you will not transfer any software or other content from this website to a foreign national or foreign country in violation of those laws.

Changes and Applicable Law

Ascensus reserves the right to make changes to this website and its Legal Disclaimer/Conditions of Use at any time, for any reason or for no reason, and with or without notice. Ascensus encourages you to review this website and these terms periodically for any updates or changes. We will post the date that the policy has been updated so you will know when it has been changed. Your continued access or use of this website and shall be deemed your acceptance of these Legal Disclaimers/Conditions of Use and any changes and the reasonableness of these standards for notice of changes. Use of this website will be governed by and construed in accordance with the laws of the State of New York, without giving effect to its conflict of law provisions. You agree that any legal action or proceeding related to this website will be brought exclusively in a federal or state court of competent jurisdiction in the State of New York. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.

Consent

By using our site, you consent to the terms and conditions of use as described in this policy. We may amend this policy from time to time; if we do, we will post those changes on this page within a reasonable time after the change so that you are aware of what information we collect and how we intend to use it.

How to Contact Us

If you have questions regarding the Terms and Conditions of Use or have privacy related questions, please contact us. We can be reached via e-mail at PrivacyNotice@ascensus.com.