Terms of Use

Welcome to this Innovative Benefit Solutions, Inc. site. These are the terms and conditions that you must follow if you use our site. Your use of our site indicates your acceptance of these terms and conditions.

Ownership of Our Site

This site is owned and operated by Innovative Benefit Solutions, Inc. (referred to as "IBS," "we," and "our"). All material included on our site, including photographs, illustrations, images, cartoons, text (including caption information), templates, audio clips, video clips, and software is owned by the Innovative Benefit Solutions, Inc. (referred to as "IBS," "we," and "our"). All material is protected by US and international copyright laws. For the protection of Innovative Benefit Solutions, Inc. and our providers, images may be watermarked and/or digitally watermarked, and Innovative Benefit Solutions, Inc. may employ technology designed to locate and identify material to verify that it has been properly licensed and is being used within the terms of the license.

Your Use of the Content

Except for the uses specifically authorized in the IBS*Passport Agreement, you may not reproduce, distribute, transmit, or otherwise exploit the IBS*Passport Material in any way. You may not sell, rent, loan, sublicense or otherwise transfer any IBS*Passport Material and you may not distribute any Materials except insofar as any Material has been incorporated into one of the permitted uses listed in the License.

Trademark Ownership

"IBS*Passport®," "Innovative Benefit Solutions, Inc.", and the IBS logo are trademarks of Innovative Benefit Solutions, Inc. You may not use our trademarks without our written permission. All other trademarks are property of their owners.

Disclaimers

OUR SITE AND THE CONTENT ARE PROVIDED TO YOU ON AN "AS IS" BASIS. WE MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO: THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW.

Although we use our reasonable best efforts to ensure the accuracy of the Content on our site, we make no representations or warranties as to the accuracy, correctness, or reliability of the Content. Further, we make no representations or warranties that the functional aspects of our site will be uninterrupted or error-free, or that our site or the server that makes it available are free of viruses or other harmful components. (Because some jurisdictions do not allow for the exclusion of implied warranties, some of these exclusions may not apply to you.) You acknowledge that your use of our site is at your own risk. As a convenience, our site links to other sites that may be of interest to you but are not under our control. These links do not imply an endorsement by Innovative Benefit Solutions, Inc., and we are not responsible for the availability of or the content contained in any linked site.

Limitation of Liability

Neither Innovative Benefit Solutions, Inc. nor our Content providers will be responsible or liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from your access to or use of the Content on our site.

Additional Terms

You are bound by this agreement when you access our site and until you have destroyed all Content that you have downloaded or copied from our site; you are, in addition, bound by this agreement whether you downloaded or copied the Content under the terms of this agreement or otherwise. This agreement is governed by the laws of the State of Wisconsin, USA, without giving effect to any principles of conflicts of law. We reserve the right to make changes to our site and to this agreement at any time without notice