Privacy Policy

Terms of Service

Welcome to www.discoverybenefits.com. This site (this "Site") is comprised of various Web pages owned and operated by Discovery Benefits, and its vendors for your personal information and use. Your submission of information to and access and use of this Site is subject to the terms and conditions of the terms of service set forth below (the "Terms of Service"). By submitting information to and/or accessing and browsing this Site you accept and agree to abide by, without limitation or qualification, the Terms of Service. If you do not agree to be bound by the Terms of Service, you may not use this Site.

BY ENTERING THIS SITE, YOU AGREE TO BE BOUND BY ALL OF THE TERMS OF SERVICE. THIS SITE IS OWNED, CONTROLLED AND OPERATED BY DISCOVERY BENEFITS, INC., 4321 20TH AVENUE S., FARGO, ND 58103. DISCOVERY BENEFITS RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO MODIFY, ALTER OR OTHERWISE UPDATE THE TERMS OF SERVICE AT ANY TIME AND, BY ENTERING THIS SITE, YOU AGREE TO BE BOUND BY SUCH MODIFICATIONS, ALTERATIONS OR UPDATES AS WELL.

1. Copyrights.

All of the material on this Site, whether graphical, textual, audio, video, computer code, or software, or a combination thereof, are protected by copyrights which are owned and controlled by Discovery Benefits or by third parties that have licensed their material to Discovery Benefits and may not be copied, modified, reproduced, republished, posted, transmitted or distributed in any way without the express written permission from Discovery Benefits. All contents of the Site are copyrighted under: Copyright © 2010 Discovery Benefits. All Rights Reserved.

2. Trademarks.

www.discoverybenefits.com, www.flexiblebenefits.com and the names of Discovery Benefits products and services referenced herein are trademarks of Discovery Benefits.

3. License and Site Access.

Discovery Benefits grants you a limited license to access and make personal use of this Site and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Discovery Benefits. This license does not include any resale or commercial use of this Site or its contents; any collection and use of any product or service listings, descriptions, or prices; any derivative use of this site or its contents; any downloading or copying of account information for the benefit of another merchant or service provider; or any use of data mining, robots, or similar data gathering and extraction tools. This Site or any portion of this Site may not be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for any commercial purpose without the express written consent of Discovery Benefits. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Discovery Benefits and our affiliates without express written consent. You may not use any meta-tags or any other "hidden text" utilizing Discovery Benefits' name or trademarks without the express written consent of Discovery Benefits. Any unauthorized use terminates the permission or license granted by Discovery Benefits. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Discovery Benefits so long as the link does not portray Discovery Benefits its affiliates, or their products or

services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any Discovery Benefits logo or other proprietary graphic or trademark as part of the link without express written permission.

4. Submission of Information.

If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. Discovery Benefits and its affiliates reserve the right to refuse service, terminate accounts, remove or edit content. Any communication or material you transmit to the web site by electronic mail or otherwise, including any data, questions, comments, suggestions, or the like is, and will be treated as confidential. Anything you transmit or post that is personally identifiable will be treated as confidential, with respect, and will be disclosed as required or permitted by law.

5. Discovery Benefits may monitor your content from time to time.

Discovery Benefits may, but has no obligation to, monitor content on the Services. We may disclose any information necessary or appropriate to satisfy our legal obligations, protect Discovery Benefits or its customers, or operate the Services properly. Discovery Benefits, in its sole discretion, may refuse to post, remove, or refuse to remove, any Content, in whole or in part, alleged to be unacceptable, undesirable, inappropriate, or in violation of this Agreement.

6. Communications choices.

Discovery Benefits may be required by law to send you communications about the Services or Third Party Products. You agree that Discovery Benefits may send these communications to you via email or by posting them on one of our sponsored websites, such as discoverybenefits.com.

7. Use of Information.

This Site contains information, which may be derived in whole or in part from materials and information supplied by other sources. Discovery Benefits makes no representation or warranty, express or implied, and assumes no responsibility or legal liability for the accuracy, completeness, timeliness or quality of any information contained in this Site, which is subject to deletion, addition and change at any time without notice from Discovery Benefits. Discovery Benefits does not ensure the accuracy, endorse or recommend any information and your use of any such information is at your own risk. The information contained on this Site cannot be considered complete and Discovery Benefits undertakes no commitment to update the information contained on this Site within a particular period of time. It is the responsibility of each user of any portion of the Site to ascertain the accuracy of any information before entering into any commitment (financial or otherwise) or undertaking any course of action based upon the information contained in this Site.

8. Discovery Benefits may freely use feedback you provide.

You agree that Discovery Benefits may use your feedback, suggestions, or ideas in any way, including in future modifications of the Services, other products or services, advertising or marketing materials. You grant Discovery Benefits a perpetual, worldwide, fully transferable, sublicensable, non-revocable, fully paid-up, royalty free license to use the feedback you provide to Discovery Benefits in any way.

9. Discovery Benefits does not give professional advice.

Discovery Benefits is not in the business of providing legal, financial, accounting, health care or other professional services or advice. Consult the services of a competent professional when you need this type of assistance.

10. You will track your passwords and accept updates.

You are responsible for securely managing your password(s) for access to the Services. If you become aware of any unauthorized access to your Services account, theft or loss of your password, you agree to contact Discovery Benefits as soon as possible. The Services may periodically be updated with tools, utilities, improvements, third party applications, or general updates to improve and enhance the features and performance of the Services. You agree to receive these updates automatically as part of the Services.

11. Disclaimer of Warranties.

ALL OF THE INFORMATION, SERVICES AND MATERIALS ON THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES 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. NO INFORMATION, ADVICE, OR GUIDANCE, WHETHER ORAL OR WRITTEN, RECEIVED BY YOU FROM CREATIVE BENEFITS OR THIS SITE SHALL CREATE ANY WARRANTY.

12. Limitation of Liability.

IN NO EVENT SHALL DISCOVERY BENEFITS BE LIABLE TO ANY PERSON OR ENTITY,

INCLUDING, WITHOUT LIMITATION, PERSONS OR ENTITIES WHO MAY SUBMIT INFORMATION TERMS OF SERVICE TO, USE OR RELY ON THIS SITE OR TO WHOM ANY INFORMATION ON THIS SITE MAY BE FURNISHED, FOR ANY LOSS OR DAMAGE OF ANY KIND OR CHARACTER WHATSOEVER, WHETHER DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL, PUNITIVE OR OTHERWISE, ARISING OUT OF, BASED UPON OR RESULTING FROM ANY USE OF OR RELIANCE ON THIS SITE OR ANY INFORMATION OR OPINIONS CONTAINED HEREIN, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE FOREGOING LIMITATION MAY NOT APPLY TO YOU. FURTHER, DISCOVERY BENEFITS SHALL NOT BE IN ANY WAY RESPONSIBLE FOR THE CONDUCT OR OMISSIONS OF THIRD PARTIES THAT HAVE POSTED INFORMATION ON THIS SITE OR FOR ANY INFORMATION POSTED ON THIS SITE BY SUCH PARTIES.

13. Third Party Sites.

As a convenience to users, Discovery Benefits may provide links on the Site to Web sites maintained by others. Discovery Benefits has not reviewed such sites and is not responsible for the contents or availability of such sites or for products or services offered on such sites. Discovery Benefits shall not be responsible or liable, directly or indirectly, for any damage or loss caused or claimed to have been caused by use of any such sites or the content, goods, services, or advertisements contained on or available via such sites. Links have been provided for your convenience and the inclusion of any link does not imply endorsement by Discovery Benefits of the site or any association with the site's owners or operators.

14. Privacy Policy.

Pursuant to Discovery Benefits’ privacy policy, we may disclose to third parties certain aggregate information contained in your registration or other information or related data, provided that, such information will NOT include personally identifying information, except as specifically authorized by you or in the good faith belief that such action is reasonably necessary to comply with the law, legal process, to enforce the Terms of Service, or under any of the other circumstances set forth in our privacy policy, as may be amended from time to time.

15. Indemnification.

Each user of this Site agrees to indemnify, defend and hold Discovery Benefits harmless from and against any and all third party claims, liabilities, costs, or expenses, including reasonable attorneys' fees, arising out of or resulting from (a) such user's breach of any provision of these Terms of Service, (b) such user's negligence or willful misconduct, or (c) a claim that information submitted to this Site infringes the intellectual property or proprietary rights of a third party.

16. General.

This Site is controlled and operated by Discovery Benefits from its offices within the State of North Dakota, United States of America. Discovery Benefits makes no representation that the materials on this Site are appropriate or available for use in other locations. Those who choose to access this Site from other locations do so on their own initiative and at their own risk and are responsible for compliance with local laws, if and to the extent applicable. These Terms of Service shall be governed by and construed and enforced in accordance with the laws of the State of North Dakota, without regard to conflicts of law, as they are applied to agreements entered into and to be performed entirely within the State of North Dakota. Any action you, any third party, or Discovery Benefits brings to enforce these Terms of Service or in connection with any matters relating to this Site shall be brought only in either the state or federal courts located in Cass County, North Dakota, and you expressly consent to the jurisdiction of said courts. If any provision of these Terms of Service shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Service and shall not affect the validity and enforceability of any remaining provisions. These Terms of Service constitute the entire agreement and understanding between you and Discovery Benefits and supersede any prior or contemporaneous agreements or understandings, whether written or oral, relating to the matters contained herein.

17. CHANGES TO THIS AGREEMENT OR THE SERVICES.

We may change this Agreement from time to time, and the changes will be effective when posted on our website for the Services or when we notify you by other means. Please review the Agreement periodically on this website for changes. We have the right to change any of the terms of this Agreement upon reasonable notice to you. We may also change or discontinue the Services, in whole or in part, including but not limited to, the Internet based services, pricing, technical support options, and other product related policies. Your continued use of the Services after Discovery Benefits posts or otherwise notifies you of any changes indicate your agreement to the changes.

18. Term and Termination.

These Terms of Service are effective until terminated by either you or Discovery Benefits. You may terminate the Terms of Service at any time by discontinuing your use of this Site and destroying all materials obtained from it. The provisions contained under the headings Copyrights, Trademarks, Disclaimer of Warranties, Limitation of Liability, Indemnification and General shall survive any such termination.

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