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Terms & Conditions

The following terms and conditions govern access and use of this online educational platform for members, and the applications, tools, services and materials provided herein ("Online Service"). You are only permitted access to this Online Service if you are, and only for so long as you are an authorized user as an Associate Member or Registered Member of the National Association of Registered Social Security Analysts (NARSSA). If you are not an authorized user, you must immediately cease all use of this Online Service. These terms of use constitute a legal agreement ("Agreement") between you and NARSSA concerning your use of the Online Service.

Notice: NARSSA membership access or use of our online educational platorm is subject to acceptance of these terms and conditions. If you do not agree to these terms and conditions, you are not permitted to access or use this Online Service.

By accessing, browsing and/or otherwise using this Online Service you acknowledge that you have read, understood and agreed to be bound by this Agreement, and you agree to comply with all applicable laws and regulations. For purposes hereof, "you" or "your" shall include yourself, your organization and any entity you represent or on the behalf of which you use the Online Service. If you do not agree to all of these terms and conditions, you may not access, browse and/or use this Online Service. The material provided on this Online Service is protected by law, including, but not limited to, United States copyright law and international treaties.

This Agreement applies to your access to and use of this Online Service and does not alter in any way the terms and conditions of any other agreement you may have with NARSSA for products, software, services or otherwise, unless otherwise agreed to in writing by NARSSA. In the event that the terms of this Agreement conflict with the License Agreement, the terms of the License Agreement will govern and take precedence. If you fail to comply in any way with these terms and conditions, your authorization to access and to use this Online Service automatically terminates and you must immediately discontinue use of any hyperlinks to this Online Service. Any breach of this Agreement by you shall constitute a breach of the License Agreement.

Program Content Limitations

The NARSSA program materials are designed to provide accurate and authoritative information in regard to the subject matters covered. The program materials are provided solely as a teaching tool, with the understanding that NARSSA is not engaged in rendering legal, accounting, or other professional services for specific client cases. The program materials are presented solely for the participants' education on the subject matters. NARSSA is not affiliated with the Social Security Administration.

Practitioners offering Social Security, Medicare and retirement planning advice should always determine and incorporate all of the material facts and circumstances that apply to a particular client situation and conduct the necessary research to determine whether any new statutory or regulatory requirements are relevant and should be applied. If legal advice or other expert assistance is required, the service of a competent professional person should be sought.

Authorized Use

The Online Service includes certain content and services related to continuing professional education, which may include, without limitation: (a) downloadable presentation materials; (b) downloadable publications; (c) downloadable audio and video courses; and (d) live streaming media (e.g., webinars). The Online Service is licensed and use is restricted. The Online Service and the materials herein may only be used for your internal educational and informational purposes (collectively, the "Authorized Use"). The following terms and conditions also apply to the Online Service described below.

Restrictions

The Authorized Use expressly excludes: (i) redistribution, retransmission, publication, transfer or commercial or other exploitation of the materials from the Online Service, in whole or in part, including as part of a services bureau, time-sharing or other similar arrangement; (ii) reverse engineering, decompiling or modification of the Online Service, in whole or in part; and (iii) uploading, downloading, copying or redistributing the Online Service materials in their entirety or lengthy sequence, including, but not limited to, creating an archive of Online Service materials.

Copyright

All Online Service materials, including, without limitation, text, pictures, graphics and other files and the selection and arrangement thereof are copyrighted materials of NARSSA or its licensors, all rights reserved. Except for the Authorized Use specified above, you may not copy, modify or distribute any of the Online Service materials. You may not "mirror" any material contained on this Online Service on any other server. Any unauthorized use of any material contained on this Online Service may violate copyright laws, trademark laws, the laws of privacy and publicity and communications regulations and statutes.

Permissions

You may make printouts of the materials from the Online Service to the extent permitted under the "fair use" provisions of the Copyright Act of 1976 (17 U.S.C. Sec. 107) or may download and store insubstantial portions of select materials (in machine-readable form), so long as such downloading is consistent with the purposes authorized by this Agreement. You shall comply with all applicable conventions regarding copyright and source of material attribution. If you wish to use the materials from the Online Service in any manner not expressly permitted by this Agreement, you may request permission from NARSSA by giving to NARSSA a written description of the intended use and such other information as NARSSA may request. Only an authorized representative of NARSSA may grant such permission. The granting of such a request may entail an additional fee payable by you.

Trademarks

The trademarks, service marks, trade names, and logos, including, but not limited to, page headers, custom graphics, button icons, and scripts (collectively, the "Trademarks") used and displayed on this Online Service are registered and unregistered trademarks, service marks and/or trade dress of NARSSA or its licensors, and you many not copy, imitate or use the Trademarks, in whole or in part, for any purpose. No license or other right to use any Trademark used or displayed on the Online Service is granted to you.

Hyperlinks

You are granted a limited, nonexclusive right to create a "hypertext" link to this Online Service provided that such link is to the entry page of this Online Service and does not portray NARRSA or any of its products or services in a false, misleading, derogatory, or otherwise defamatory manner. This limited right may be revoked at any time for any reason whatsoever. You may not use framing techniques to enclose the Online Service or any NARSSA trademark, logo or trade name or other proprietary information including the images found at the Online Service, the content of any text or the layout/design of any page or any form contained on a page. Links to third party websites on this Online Service are provided solely as a convenience to you. If you use these links, you will leave this Online Service. NARSSA has not reviewed all of these third-party websites and does not control and is not responsible for any of these third-party websites, their content or their policies, including, without limitation, privacy policies or lack thereof. NARSSA does not endorse or make any representations about third-party websites or any information, software or other products or materials found there, or any results that may be obtained from using them. If you decide to access any of the third-party websites linked to this Online Service, you do so entirely at your own risk. You acknowledge and agree that NARSSA shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by, or in connection with, the use of or reliance on any such third-party websites.

Limited Access

Any access or attempt to access for any reason areas of the NARSSA computer servers or other information thereon (except for the limited portions of the Online Service that you have expressly been provided access to pursuant to a License Agreement) is strictly prohibited. You agree that you will not use any robot, spider, other automatic device, or manual process to "screen scrape", monitor, "mine", or copy the webpages on the Online Service or the content contained herein in whole or in part. You will not spam or send unsolicited email to any other user of the Online Service for any reason. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Online Service. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on NARSSA's infrastructure.

Username & Password

You represent and warrant that all information submitted to NARSSA in connection with the membership is complete and accurate. You agree not to give or make available your username or password or other means to access your account to any unauthorized individuals. You remain responsible for all access to this Online Service via your username and password, even if not authorized by you. If you believe that your password or other means to access your account has been lost or stolen or that an unauthorized person has or may attempt to use this Online Service, you must immediately notify NARRSA.

Purchases

We may make available products and services for purchase through the Online Service, and we may use third-party suppliers and service providers to enable e-commerce functionality through the Online Service. If you wish to purchase any product or service made available by us through the Online Service you may be asked to supply certain information relevant to your Transaction, including without limitation your credit card number, the expiration date of your credit card, your billing address, and your shipping information. You represent and warrant that you have the legal right to use any credit card(s) utilized in connection with any transaction. By submitting such information, you grant to NARSSA the right to provide such information to third parties for purposes of facilitating the completion of Transactions initiated by you or on your behalf. Verification of information may be required prior to the acknowledgment or completion of any Transaction. NARSSA reserves the right, with or without prior notice, to limit the available quantity of or discontinue any product or service; to not honor, or impose conditions on the honoring of, any promotions; to bar any user from making any or all Transaction(s); and/or to refuse to provide any user with any product or service. If you purchase any products or services from us in a Transaction, you will not resell such products or services.

Term & Termination

This Agreement is effective at all times that you have access to this Online Service. The term of your membership is governed by your License Agreement. If your membership has expired, then you shall discontinue your use of this Online Service. Your membership and access to this Online Service, as well as the License Agreement, will terminate automatically without any prior notice from NARSSA if you violate the "Authorized Use and Restrictions" terms of this Agreement. Your membership and access to this Online Service, as well as the License Agreement, may be terminated by NARSSA upon prior written notice if you fail to comply with any other provision of this Agreement or the License Agreement and fail to remedy such failure within thirty (30) days of the date of such written notice. Upon termination, you shall no longer be permitted access to the Online Service and each of your User IDs shall be deactivated. Termination for any of the foregoing shall not affect NARSSA's entitlement to any sums due hereunder, and you shall not be entitled to any refund of any portion of the fees paid.

Removal of Content & Other Terms & Conditions

Notwithstanding anything in this Agreement or the License Agreement to the contrary, NARSSA may, at any time, remove, restrict or impose additional conditions on access to the Online Service and the content accessible herein. In addition, NARSSA's licensors may change the terms and conditions applicable to content accessible on the Online Service or impose additional terms and conditions to the content accessible on the Online Service, including, but not limited to, changes in the amount and types of license fees, how content may be accessed, and how content may be used. In such event, such modified or additional terms and conditions shall apply to your use of the Online Service and the content accessible herein.

Third-Party Content & Links

The Online Service may incorporate certain functionality that allows the routing and transmission of, and online access to, certain digital communications and content made available by third parties (such communications and content, "Third-Party Content"). By using such functionality, you acknowledge and agree that you are directing us to access and transmit to you Third-Party Content associated with such functionality. The Online Service may provide links to other websites and online resources that include Third-Party Content. Because we do not control Third-Party Content, you agree that NARSSA is neither responsible nor liable for any Third-Party Content, including the accuracy, integrity, quality, legality, usefulness, or safety of, or intellectual property rights relating to, Third-Party Content. We have no obligation to monitor Third-Party Content, and we may block or disable access to any Third-Party Content (in whole or part) via the Online Service at any time. Your access to or receipt of Third-Party Content via the Online Service does not imply our endorsement of, or our affiliation with any provider of, such Third-Party Content. Further, your use of Third-Party Content may be governed by additional terms and conditions that are not set forth in this Agreement (for example, terms and conditions that are made available by the providers of such Third-Party Content). This Agreement does not create any legal relationship between you and the providers of such Third-Party Content with respect to such Third-Party Content, and nothing in this Agreement shall be deemed to be a representation or warranty by NARSSA with respect to any Third-Party Content. You agree that your use of Third-Party Content is at your own risk and is subject to the terms and conditions of use applicable to such Third-Party Content. NARSSA shall have the right, at any time, to block links to the Online Service through technological or other means without prior notice.

Indemnification

You agree to defend, indemnify and hold harmless NARSSA, its licensors, and any of their respective officers, directors, employees, subcontractors, agents, successors, assigns, affiliates or subsidiaries, from and against any and all claims, causes of action, lawsuits, proceedings, losses, damages, costs and expenses (including reasonable legal and accounting fees) arising or resulting from (i) your performance of services for your clients; (ii) your violation of this Agreement or the License Agreement; (iii) incomplete or inaccurate information or data provided by you; (iv) unauthorized use of any content or materials available on or through the Online Service; or (v) any content you upload or post to the Online Service. NARSSA reserves the right, at its discretion, to assume or participate, at your and your organization's expense, in the investigation, settlement and defense of any action or claim to which it is entitled to indemnification. No claim shall be settled without NARSSA's prior written consent unless such settlement includes a complete release of NARSSA from all liability and does not contain or contemplate any payment by, or injunctive or other equitable relief binding upon, NARSSA.

Warranty Disclaimer

This Online Service, including all content, applications, software, functions, materials, and information, is provided "as is", "with all faults" and without any warranties of any kind, express or implied. NARSSA and its licensors disclaim all warranties with respect to the Online Service, express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, non-infringement, title, quiet enjoyment, merchantability of computer programs, data accuracy, system integration, and informational content.

NARSSA and its licensors do not warrant or make any representations regarding the operation of this Online Service, the use, validity, accuracy or reliability of, or the results of the use of the materials on this Online Service or any other website linked to this Online Service. The materials of this Online Service may be out of date, and NARSSA makes no commitment to update the materials at this Online Service. The Online Service may be used to access and transfer information over the Internet; customer acknowledges that NARSSA and its vendors and licensors do not operate or control the Internet. NARSSA does not warrant that the files available for downloading from this Online Service, if any, will be free from infection, viruses, worms, trojan horses, or other code that manifest contaminating or destructive properties. NARSSA does not warrant that this Online Service, software, materials, products, or services will be uninterrupted or error-free or that any defects in this Online Service, software, materials, products, or services will be corrected.

User Responsibility & Professional Advice

You assume all responsibilities and obligations with respect to the selection of the particular online services to achieve your intended results. You assume all responsibilities and obligations with respect to any decisions or advice made or given as a result of the use or application of your selected online services or any content retrieved therefrom, including those to any third party, for the content, accuracy, and review of such results. NARSSA and its licensors are not engaged in rendering legal, accounting, tax or other professional advice or services. If legal, accounting, tax or other expert assistance is required, the services of a competent professional should be sought.

Limitation of Liability

In no event will NARSSA and its licensors, and any of their respective officers, directors, employees, subcontractors, agents, successors, assigns, affiliates or subsidiaries, be liable for any indirect, special, incidental, punitive, or consequential damages, damages resulting from lost profits, lost data or business interruption arising out of relating to the use or inability to use this Online Service, any websites linked to this Online Service, the materials, software or other information contained in any or all such online services, regardless of the form of action, whether based in contract, tort (including but not limited to, negligence) or any other legal theory and whether or not advised of the possibility of such damages. Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.

While your use of the Online Service is at your own risk, if NARSSA should have any liability for any loss, harm or damage arising out of or relating to this Agreement or your use of the Online Service, NARSSA's total aggregate liability for any and all claims shall not exceed the lesser of $1,000 or the amount of fees paid to NARSSA by you or your subscribing organization for the applicable portion of the Online Service in the preceding six (6) months. You acknowledge that absent your agreement to this limitation, NARSSA and its licensors would not provide the Online Service or the materials accessible herein.

Trial Use

If you are using this Online Service (or accessing certain content herein) on a trial basis pursuant to a License Agreement or other trial basis authorized by NARSSA, you may use this Online Service (or such content) solely for purposes of evaluating its suitability. Your trial use is subject to all other terms and conditions of this Agreement, including, but not limited to, the Authorized Use and restrictions. At the conclusion of the trial period, you shall (i) cease all use of the Online Service (or accessing the trial content); (ii) delete any copies of content from the Online Service or data derived from your computer system and cause such copies to be deleted from any other computer system where you caused such content to be stored; and (iii) at your expense, destroy or return to NARSSA any physical copies of such content in your possession.

Government Restricted Rights

The materials on this Online Service are provided with "Restricted Rights". Use, duplication, or disclosure by the government is subject to restrictions as set forth in applicable laws and regulations and in the License Agreement. Use of the materials by the government constitutes acknowledgment of NARSSA's or other owner's proprietary rights in them.

Digital Millennium Copyright Act Notice

Certain materials on this Online Service are from third parties not within NARSSA's control. NARSSA is under no obligation to, and does not, scan such third-party content used in connection with the Online Service for the inclusion of illegal or impermissible content. However, NARSSA respects the copyright interests of others and, as a policy, does not knowingly permit materials herein that infringe another party's copyright.

If you believe any materials on this Online Service infringe a copyright, you should provide us with written notice that at a minimum contains:

NARSSA may, in appropriate circumstances and at its discretion, terminate the account or access of users who infringe the intellectual property rights of others.

Revisions to This Agreement

NARSSA may revise this Agreement at any time without notice by updating this posting. By using this Online Service you agree to be bound by any such revisions and should therefore periodically visit this Online Service and page to determine the then current terms and conditions of use to which you are bound.

Miscellaneous

If any provision(s) of this Agreement is held by a court of competent jurisdiction to be contrary to law, then such provision(s) shall be construed, as nearly as possible, to reflect the intentions of the parties with the other provisions remaining in full force and effect. NARSSA's failure to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision unless acknowledged and agreed to by NARSSA in writing. The provisions of this Agreement shall operate for the benefit of, and may be enforced by, any person that has licensed to NARSSA any of the materials in the Online Service. This Agreement may be assigned in whole or in part by NARSSA at any time. This Agreement may not be assigned in any manner by you without the express, prior written permission of NARSSA.

Performance of NARSSA hereunder is subject to interruption and delay due to causes beyond its reasonable control such as acts of God, acts of any government, war or other hostilities, the elements, fire, explosion, power failure, acts or omissions of carriers, transmitters, or providers of telecommunications or Internet services, industrial or labor dispute, inability to obtain supplies and the like, or breakdown of equipment or any other causes beyond NARSSA's control.

This Agreement shall be governed by and construed in accordance with the laws of the State of New York notwithstanding any conflict of laws provisions. You irrevocably and unconditionally (i) consent to submit to the exclusive jurisdiction of the state and federal courts in the State of New York (the "New York Courts") for any litigation or dispute arising out of or relating to this Agreement, (ii) agree not to commence any litigation arising out of or relating to this Agreement except in the New York Courts, (iii) agree not to plead or claim that such litigation brought therein has been brought in an inconvenient forum, and (iv) agree the New York Courts represent the exclusive jurisdiction for all disputes relating to this Agreement. Notwithstanding the foregoing, in the event that the License Agreement pursuant to which you are an authorized user specifies that a different state's or country's law shall govern such Agreement, such state's or country's law shall be deemed to govern this Agreement and each party consents to the exclusive jurisdiction and venue of the courts of such state or country. Each party, to the extent permitted by law, knowingly, voluntarily and intentionally waives its right to a trial by jury in any action or legal proceeding arising out of or relating to this Agreement and the transactions it contemplates.