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Terms of Use


ADP's Decision Technology Group (ADP) provides federal employees with access to a Web-based application, PlanSmartChoice (https://www.PlanSmartChoice.com), that assists federal employees with health benefit decisions (the "Service").

In order to use the Service (as defined below), you ("You") must read and accept all of the terms and conditions in these Terms of Use (this "Agreement"), which may be modified by ADP from time to time at our sole discretion. All modifications will be posted on https://www.PlanSmartChoice.com (our "Web site") and such modifications will become effective immediately upon the posting thereof. It is your responsibility to review this Agreement on a regular basis to keep yourself informed of any modifications. We strongly recommend that, as You read this Agreement, You also access and read the linked information. By accepting this Agreement, You also agree that Your use of some ADP-affiliated Web sites or Web sites we operate may be governed by separate agreements and privacy policies. BY ACCEPTING THE TERMS OF THIS AGREEMENT, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND AGREE TO BE BOUND BY ALL OF THE TERMS, CONDITIONS AND NOTICES CONTAINED IN THIS AGREEMENT JUST AS IF YOU HAD SIGNED THIS AGREEMENT.

1. REGISTRATION INFORMATION

As a condition of Your use of the Service, You agree to (a) provide ADP with true, accurate, current and complete information as prompted by the ADP's registration forms, when registering for or using the Service and (b) update and maintain the truthfulness, accuracy and completeness of such information. We may use techniques to identify our users when they register or access the Web site for the Service. Verification of identity is only an indication of increased likelihood that a User's identity is correct. You authorize ADP, directly or through third parties, to make any inquiries we consider necessary or appropriate to validate Your identity. However, because user verification on the Internet is difficult, ADP cannot and does not guarantee any user's identity.

2. MINIMUM AGE

If You are under the age of eighteen (18), You are prohibited from using or registering for the Service.

3. PRIVACY POLICY

ADP has established a privacy policy to explain to You, and other users, how Your personal information is collected and used. This privacy policy is located on the "Privacy" link found at the bottom of the https://www.PlanSmartChoice.com page. You hereby consent to the use and disclosure of information as set forth in our privacy policy.

4. ACCOUNT SECURITY

To use PlanSmartChoice you must create a user name and password. Your user name and password may only be used by You. You are solely responsible for maintaining and protecting the confidentiality of Your user ID and password, and are fully responsible for all activities that occur under Your user ID and password.

5. LIMITED LICENSE TO WEB SITE

By agreeing to the terms and conditions of this Agreement, ADP grants You a limited license to access the Web site (including Your ADP Site) and the Service for You to assist You with health benefit decisions. You acknowledge and agree that You will not access, reproduce, duplicate, copy, sell, re-sell, visit or otherwise exploit for any commercial, educational (or any other non-personal) purpose the any content on the Web site, without the express written consent of ADP.

6. CONTENT

Although ADP does not claim ownership of any of the communications, information, data, text or other materials (collectively, the "Content") You give us, by providing Content for the Web site, You automatically grant, and You represent and warrant that You have the right to grant, to ADP an irrevocable, perpetual, non-exclusive, fully paid, worldwide license to use, copy, perform, display, reproduce, adapt, modify and distribute such Content and to prepare derivative works of, or incorporate into other works, such Content, and to grant and to authorize sublicenses (through multiple tiers) of the foregoing for the purpose of providing the Service to You. Additionally, ADP may, for any purpose, use and distribute to third parties data included in the Content in an aggregated (i.e., not personally identifiable) format.

All Content submitted by You to the Web site shall be complete, accurate and truthful in all respects.

7. PUBLICATION AND DISTRIBUTION OF CONTENT

ADP does not guarantee the accuracy, integrity, quality or appropriateness of any Content (i) provided to ADP by third parties such as Office of Personnel Management (OPM) and/or (ii) collected by ADP or third parties from materials generated by third parties such as Plan Brochures provided by the health plans ("Third Party Content"). You understand that all Third Party Content posted on, transmitted through or linked through the Service, are the sole responsibility of the person from whom such Content originated. You understand that ADP does not control, and is not responsible for Third Party Content made available through the Service, and that by using the Service, You may be exposed to Content that is inaccurate or misleading. You agree that You must evaluate and make Your own judgment, and bear all risks associated with, the use of any Third Party Content.

You agree that it is solely YOUR RESPONSIBILITY to evaluate the risks you bear associated with the use, accuracy, usefulness, completeness or appropriateness of any Content that You submit, receive, access, transmit or otherwise convey through the Service. Under no circumstances will ADP be liable in any way for any Content or Third Party Content, including, but not limited to, any Content or Third Party Content that contains any errors, omissions or defamatory statements, or for any loss or damage of any kind incurred as a result of the use of any Content or Third Party Content submitted, accessed, transmitted or otherwise conveyed via the Service. You waive the right to bring or assert any claim against ADP relating to Content or Third Party Content, and release ADP from any and all liability for or relating to any Content or Third Party Content.

8. PROVIDERS

ADP does not endorse and is not responsible or liable for any products, goods or services available or unavailable from, or through, any third party referenced on the Web site ("Providers"). You agree that should You use or rely on such products, goods or services, available or unavailable from, or through any Provider, ADP is not responsible or liable, indirectly or directly, for any damage or loss caused or alleged to be caused by or in connection with such use or reliance. Your dealings with, or participation in promotions of any Provider, and any other terms, conditions, representations or warranties associated with such dealings, are between You and such Provider exclusively and do not involve ADP. You should make whatever investigation or other resources that You deem necessary or appropriate before purchasing or agreeing to purchase the goods of services of any Provider.

You agree that ADP is not responsible for the accessibility or unavailability of any Provider or for Your interactions and dealings with them, waive the right to bring or assert any claim against ADP relating to any interactions or dealings with any Provider, and release ADP from any and all liability for or relating to any interactions or dealings with Providers.

9. ADVICE

The contents of the Web site, such as text, graphics, images, information obtained from ADP's business partners, and other material contained on the PlanSmartChoice Web site ("Web site Content") are for informational purposes only. The Web site Content is not intended to be a substitute for the advice of a properly trained and experienced professional. Always seek the advice of the applicable professional with any questions.

10. YOUR CONDUCT

In connection with Your use of the Service, You represent, warrant and covenant that You:

  1. are above the age of eighteen (18);
  2. will abide by the letter and spirit of the terms and conditions of this Agreement and all applicable local, state, national or international laws;
  3. will not submit any Content that may be considered by ADP to be unlawful, harassing, libelous, abusive, threatening, obscene, profane, hateful, offensive, harmful, vulgar, distasteful, defamatory, invasive of another person's privacy or proprietary rights, or racially, ethnically or otherwise objectionable;
  4. will not impersonate, or attempt to impersonate, any other person, falsify contact information, misrepresent a relationship with any person or entity, including misrepresenting a relationship with ADP, or otherwise attempt to mislead others as to the identity of the sender or the origin of the Content;
  5. will not submit Content that is encrypted or that contains viruses, Trojan horses, worms, time bombs, spiders, cancelbots or other computer programming routines that are intended to damage, interfere with, disrupt, impair, disable or otherwise overburden our Web site;
  6. will not access, download or copy any information contained on our Web site through artificial means (including but not limited to spiders, hacking devices, computer programs, bots or other such means);
  7. will not post irrelevant Content, repeatedly post the same or similar Content or otherwise impose an unreasonable or disproportionately large load on our infrastructure;
  8. will not attempt to gain unauthorized access to the Service, other user accounts, or other computer systems or networks connected to the Service;
  9. will not use the Service in any manner that infringes, misappropriates or violates any third party's rights, including, but not limited to, transmitting any material that may infringe, misappropriate or violate a third party's rights of publicity, contractual rights, fiduciary rights or intellectual property rights;
  10. will not use the Service in any way that could interfere with the rights of ADP or the rights of other users of the Service;
  11. have sufficient rights in and to all Content that You provide, transmit or otherwise convey to ADP in connection with the Service;
  12. agree not to resell or assign Your rights or obligations under this Agreement;
  13. will not access, reproduce, duplicate, copy, sell, re-sell, visit or otherwise exploit for any commercial, educational or other purposes not related to Your use of the site to assist in make health benefit decisions, the Web site (and any and all of the content therein), without the express written consent of ADP, which consent may be withheld by ADP at our discretion.

ADP retains the right, in its sole discretion, to determine whether or not Your use of the Service is consistent with the terms and conditions of this Agreement. ADP may suspend, restrict or terminate Your use of the Service and refuse any future use of all or portions of the Service if Your use breaches or fails to comply with any of the terms and conditions of this Agreement. Additionally, ADP may seek any and all other remedies available to it, including (a) seeking injunctive relief with any court of competent jurisdiction to enjoin any breach or failure to comply with any of the terms and conditions of this Agreement; and/or (b) if damages are ascertainable, seeking damages relating to any breach or failure to comply with any of the terms and conditions of this Agreement.

11. TERMINATION

ADP may immediately terminate this Agreement, Your account and Your access to the Service at any time in its discretion.

Termination of Your account will include removal of Your access to all offerings of the Service, deletion of Your password, deletion of all related information and files, may include the deletion of the Content associated with Your account (or any part thereof), and barring Your further use of the Service.

12. MODIFICATION OF TERMS AND CONDITIONS

ADP will have the right to modify and restate the terms and conditions of this Agreement, and such modification(s) will be effective immediately upon being posted on the Web site. ADP will make note of the date of the last update to the Agreement on the first page of this Agreement. You are responsible for reviewing these terms and conditions regularly. Your continued use of the Service after such modifications will be deemed to be Your conclusive acceptance of all modifications to this Agreement. If You are dissatisfied as a result of such modification(s), Your only recourse is to immediately discontinue use of the Service.

13. MODIFICATION, LIMITATION AND DISCONTINUANCE OF SERVICE

ADP reserves the right at any time to limit access to, modify, change or discontinue the Service with or without notice to You and we shall not be liable to You for any such modification, suspension or discontinuance of the Service. You agree that ADP will not be liable to You or to any third party for any such limitation, modification, change, suspension or discontinuance of the Service. You agree that ADP may establish general practices, policies and limits, which may or may not be published, concerning the use of the Service. You agree that ADP has no responsibility or liability for the deletion or failure to store any Content maintained or transmitted by or through the Service. You agree that ADP has the right to change these general practices and limits at any time, in its sole discretion, with or without notice.

14. DELAYS

The Service may be subject to limitations, delays and other problems inherent in the use of the Internet and electronic communications. ADP is not responsible for any delays, failures or other damage resulting from such problems.

15. USER FEEDBACK

ADP appreciates hearing from You, as well as our other users, and welcomes Your comments regarding our Service. Please be advised, however, that our policy does not permit us to accept or consider creative ideas, suggestions, or materials other than those which we have specifically requested. Although we do value Your feedback on our Service, please be specific in Your comments regarding our services and do not submit creative ideas, suggestions or materials. If, despite our request, You send us creative suggestions, ideas, drawings, concepts or other information (collectively, the "Submissions"), such Submissions will be the property of ADP. In addition, none of the Submissions will be subject to any obligations of confidentiality and ADP will not be liable for any future use or disclosure of such Submissions.

16. COPYRIGHT MATERIALS

You acknowledge and agree that all Content and other information on the Web site, including, but not limited to, all text, graphics, logos, icons, images, audio clips, downloads, data compilations and software (collectively, the "Copyright Materials") are the property of ADP, and such Copyright Materials are the exclusive property of ADP and are protected by all United States and international copyright laws.

17. WARRANTY DISCLAIMER

You understand and agree that THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS AND THAT ADP ASSUMES NO RESPONSIBILITY OR LIABILITY FOR THE TIMELINESS, DELETION OF CONTENT OR FAILURE BY THE SERVICE. ADP EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OR ANY WARRANTY THAT (A) THE SERVICE WILL MEET YOUR REQUIREMENTS, (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, (D) ANY CONTENT OR INFORMATION YOU PROVIDE OR ADP COLLECTS WILL NOT BE DISCLOSED OR (E) ANY ERRORS IN ANY SERVICE WILL BE CORRECTED. YOU AGREE THAT USE OF THE SERVICE AND THE WEB SITE IS AT YOUR OWN RISK. In some jurisdictions, disclaimers of implied warranties are not permitted. In such jurisdictions, some of the foregoing disclaimers may not apply to You as they relate to implied warranties.

18. LIMITATION OF LIABILITY

YOU EXPRESSLY UNDERSTAND AND AGREE THAT ADP WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, COMPENSATORY, CONSEQUENTIAL OR EXEMPLARY DAMAGES (EVEN IF ADP HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) (COLLECTIVELY, "DAMAGES"), RESULTING FROM: (A) THE USE OR INABILITY TO USE THE SERVICE; (B) THE COST OF ANY GOODS AND/OR SERVICES PURCHASED OR OBTAINED AS A RESULT OF THE USE OF THE SERVICE; (C) DISCLOSURE OF, UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR INFORMATION OR CONTENT; (D) CONTENT YOU SUBMIT, RECEIVE, ACCESS, TRANSMIT OR OTHERWISE CONVEY THROUGH THE SERVICE; (E) ANY OTHER MATTER RELATING TO THE SERVICE; (F) ANY FAILURE OF ADP TO PROVIDE THE SERVICE TO YOU OR (G) ANY OTHER DEALINGS OR INTERACTIONS YOU HAVE WITH ANY PROVIDERS (OR ANY OF THEIR REPRESENTATIVES OR AGENTS). THESE LIMITATIONS SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW. In some jurisdictions, limitations of liability are not permitted. In such jurisdictions, some of the foregoing limitations may not apply to You.

IN ANY AND ALL EVENTS, TO THE EXTENT ADP IS FOUND LIABLE FOR ANYTHING RELATED TO THIS AGREEMENT OR THE USE OF THE SERVICE, ADP's LIABILITY FOR DAMAGES WILL NOT EXCEED $100.00.

19. INDEMNIFICATION

You agree to indemnify, defend and hold harmless ADP, its officers, managers, owners, employees, agents, designees, users, successors, assigns, service providers and suppliers from and against all losses, liabilities, expenses, damages, claims, demands and costs, including reasonable attorneys' fees and court costs due to or arising from: (a) any violation of this Agreement by You; (b) the Content or other information provided by You to ADP or that You submit, transmit or otherwise make available through the Service; (c) Your use of the Service; or (d) any violation of any rights of another or harm You may have caused to another. ADP will have sole control of the defense of any such damage or claim.

20. NOTICE

You agree that ADP may communicate any notices to You under this Agreement, through email, regular mail or posting the notices on the Web site. All notices to ADP will be provided by either sending: (i) an email to us using the "Contact Us" link on the https://www.PlanSmartChoice.com site, (ii) sending an email to plansmartchoice (~at~) support (~dot~) asparity (~dot~) com or (iii) a letter, first class certified mail, to ADP Decision Technology Group, 115 Market Street, Suite 400, Durham, NC 27701, Attention: PlanSmartChoice Program Coordinator. Such notices will be deemed delivered upon the earlier of the verification of delivery or two (2) business days after being sent.

21. ENTIRE AGREEMENT

This Agreement governs Your use of the Service and constitutes the entire agreement between You and ADP. It supersedes any prior or contemporaneous negotiations, discussions or agreements, whether written or oral, between You and ADP regarding the subject matter contained in this Agreement. Additional terms and conditions may exist between You and third parties, including but not limited to, Providers and others. You represent and warrant that those third party agreements do not interfere with Your obligations and duties to ADP under this Agreement.

22. GOVERNING LAW

This Agreement and the relationship between You and ADP will be governed by the laws of the State of North Carolina, notwithstanding the choice of law provisions of the venue where any action is brought, where the violation occurred, where You may be located or any other jurisdiction. You agree and consent to the exclusive jurisdiction of the state or federal courts located in Raleigh, North Carolina and waive any defense of lack of personal jurisdiction or improper venue or forum non conveniens to a claim brought in such court, except that ADP may elect, in its sole discretion, to litigate the action in the county or state where any breach by You occurred or where You can be found. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out or related to Your use of the Service or this Agreement shall be filed within one (1) year after such claim or cause of action arose or will forever be barred.

23. PROVISIONS REMAINING IN EFFECT

In the event Your account with ADP is terminated or lapses or You are no longer a user of ADP, certain provisions of this Agreement will continue to remain in effect, including Section 6, and 15-24.

24. MISCELLANEOUS

This Agreement may not be re-sold or assigned by You. If You assign, or try to assign, this Agreement, such assignment or attempted assignment will be void and unenforceable. It will not be considered a waiver of ADP's rights if ADP fails to enforce any of the terms or conditions of this Agreement against You. In the event a court finds a provision in this Agreement to not be valid, You and ADP agree that such court should incorporate a similar provision that would be considered valid, with all other provisions remaining valid in the Agreement. No joint venture, partnership, employment or agency relationship exists between You and ADP as a result of this Agreement or use of the Service. You acknowledge and agree that each of the Released Parties shall be an intended third party beneficiary of this Agreement.

IF YOU DO NOT AGREE TO ALL OF THE TERMS AND CONDITIONS OF THIS AGREEMENT, YOU MUST NOT USE THE SERVICE. BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD THE TERMS AND CONDITIONS OF THIS AGREEMENT AND YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.