Welcome to our site. We maintain this web site as a service to our customers and/or members. By using our site, you are agreeing to comply with and be bound by the following terms of use. Please review the following terms carefully. If you do not agree to these terms, you should not review information or obtain goods or products from this site.

1. Acceptance of Agreement. You agree to the terms and conditions outlined in this Terms of Use Agreement (“Agreement”) with respect to our site (the “Site”). This Agreement constitutes the entire and only agreement between us and you, and supersedes all prior or contemporaneous agreements, representations, warranties and understandings with respect to the Site, the content, products or services provided by or through the Site, and the subject matter of this Agreement. This Agreement may be amended at any time by us from time to time without specific notice to you. The latest Agreement will be posted on the Site, and you should review this Agreement prior to using the Site.
2. Copyright. The content and certain graphics are protected by copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights of Health Services Benefit Administrators, Inc.. All design, development, code, organization, compilation, magnetic translation, digital conversion and certain other matters related to the Site are protected under copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights of Health Services Benefit Administrators, Inc.. The copying, redistribution, use or publication by you of any such matters or any part of the Site, except as allowed by Section 4, is strictly prohibited. You do not acquire ownership rights to any content, document or other materials viewed through the Site. The posting of information or materials on the Site does not constitute a waiver of any right in such information and materials.
3. Trademarks. The California Teachers Association logo is a registered trademark of the California Teachers Association. The Health Services Benefit Administrators, Inc. logo is a registered trademark of Health Services Benefit Administrators, Inc.. Any other third party marks appearing on this web site are the property of their respective owners. All other marks appearing on this web site are the property of the Trust Funds.
4. Limited Right to Use. Except as otherwise permitted by the Trustees, no materials from the Site or any web site owned, operated, licensed or controlled by the Trustees may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on the Site for non-commercial, personal use. If you do so, you agree to retain all copyright and other proprietary notices contained on the materials. You may not use, distribute, modify, transmit, or post the content of the Site for public or commercial purposes, including any text, images, audio, or video without the Trustees' written permission..
5. Editing, Deleting and Modification. We reserve the right in our sole discretion to edit or delete any documents, information or other content appearing on the Site.
6. Nontransferable. Your right to use the Site is not transferable. Any password or right given to you to obtain information or documents is not transferable.
7. Disclaimers of Warranties. ALTHOUGH THE TRUSTEES TRY TO PROVIDE ACCURATE AND TIMELY INFORMATION THROUGH THIS SITE, THERE MAY BE INADVERTENT TECHNICAL OR FACTUAL INACCURACIES AND TYPOGRAPHICAL ERRORS. THE TRUSTEES RESERVE THE RIGHT TO MAKE CHANGES AND CORRECTIONS AT ANY TIME, WITHOUT NOTICE. THE INFORMATION PROVIDED THROUGH THIS SITE IS PROVIDED "AS IS" AND "AS AVAILABLE." THE TRUSTEES DO NOT WARRANT THE ACCURACY, COMPLETENESS OR TIMELINESS OF THE INFORMATION, TEXT, GRAPHICS, LINKS OR OTHER ITEMS CONTAINED IN THE SITE. THE TRUSTEES PROVIDE NO GUARANTEE AGAINST THE POSSIBILITY OF DELETION, MIS-DELIVERY OR FAILURE TO STORE COMMUNICATIONS, PERSONALIZED SETTINGS, OR OTHER DATA. THE TRUSTEES EXPRESSLY DISCLAIM ALL LIABILITY FOR ERRORS OR OMISSIONS IN, OR THE MISUSE OR MISINTERPRETATION OF, ANY INFORMATION CONTAINED IN THE SITE. THE TRUSTEES MAY CHANGE INFORMATION CONTAINED IN THE SITE AT ANY TIME AND MAKE NO COMMITMENT TO UPDATE THE INFORMATION CONTAINED IN THE SITE. SPECIFIC QUESTIONS CONCERNING INTERPRETATION OF PLAN DOCUMENTS AND BENEFIT RIGHTS OR AMOUNTS SHOULD BE ADDRESSED TO THE ADMINISTRATIVE OFFICE OF THE TRUST FUNDS BEFORE MAKING ANY DECISIONS THAT WOULD TURN ON THE ACCURACY OF THIS INFORMATION.

   FURTHER, THE TRUSTEES MAKE NO WARRANTIES REGARDING THE SITE. THE TRUST FUNDS, TRUSTEES, FUND MANAGER AND AGENTS (INCLUDING THIRD PARTY SERVICE PROVIDERS) DISCLAIM ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

   SOME STATES DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. YOU MAY HAVE OTHER RIGHTS WHICH VARY FROM STATE TO STATE.

   ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER OR OTHER ELECTRONIC SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE WEB SITE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

   IN NO EVENT WILL THE TRUSTEES OR THE THIRD PARTY SERVICE PROVIDERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY TORT, CONTRACT OR ANY OTHER LIABILITY ARISING IN CONNECTION WITH: (i) THE USE OR THE INABILITY TO USE THE WEB SITE; (ii) THE TIMELINESS, DELETION, MISDELIVERY, OR FAILURE TO STORE ANY USER DATA, COMMUNICATIONS OR PERSONALIZATION SETTINGS; (iii) OR ANY OTHER MATTER RELATING TO THE SITE. YOU AGREE THAT YOU WILL NOT IN ANY WAY HOLD THE TRUST FUNDS RESPONSIBLE FOR ANY SELECTION OR RETENTION OF, OR THE ACTS OR OMISSIONS OF, THIRD PARTIES (INCLUDING THIRD PARTY SERVICE PROVIDERS) IN CONNECTION WITH THE SITE.

8. Use of Information. We reserve the right, and you authorize us, to the use and assignment of all information regarding Site uses by you and all information provided by you in any manner consistent with our Privacy Policy.
9. Privacy Policy. Our Privacy Policy, as it may change from time to time, is a part of this Agreement.
10. Securities Laws. This Site may include statements concerning our operations, prospects, strategies, financial condition, future economic performance and demand for our products or services, as well as our intentions, plans and objectives, that are forward-looking statements. These statements are based upon a number of assumptions and estimates which are subject to significant uncertainties, many of which are beyond our control. When used on our Site, words like “anticipates,” “expects,” “believes,” “estimates,” “seeks,” “plans,” “intends” and similar expressions are intended to identify forward-looking statements designed to fall within securities law safe harbors for forward-looking statements. The Site and the information contained herein does not constitute an offer or a solicitation of an offer for sale of any securities. None of the information contained herein is intended to be, and shall not be deemed to be, incorporated into any of our securities-related filings or documents.
11. Links to other Web Sites. The Site contains links to other Web sites. We are not responsible for the content, accuracy or opinions expressed in such Web sites, and such Web sites are not investigated, monitored or checked for accuracy or completeness by us. Inclusion of any linked Web site on our Site does not imply approval or endorsement of the linked Web site by us. If you decide to leave our Site and access these third-party sites, you do so at your own risk.
12. Copyrights and Copryright Agents. We respect the intellectual property of others, and we ask you to do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide our Copyright Agent the following information:
    (a) An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
    (b) A description of the copyrighted work that you claim has been infringed;
    (c) A description of where the material that you claim is infringing is located on the Site;
    (d) Your address, telephone number, and email address;
    (e) A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
    (f) A statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.
    Our Copyright Agent for Notice of claims of copyright infringement for content on this Site is Health Services Benefit Administrators, Inc. who can be reached as follows: By mail:
    Health Services Benefit Administrators, Inc.
    CopyrightAgent
    P.O. Box 2262
    Livermore, CA 94551
    By phone:(866) 376-4064
    
13. Information and Press Releases. The Site contains information and press releases about us. While this information was believed to be accurate as of the date prepared, we disclaim any duty or obligation to update this information or any press releases. Information about companies other than ours contained in the press release or otherwise, should not be relied upon as being provided or endorsed by us.