Social Security Disability insurance

Universal Privacy Policy

SECTION I: PRIVACY POLICY and STATEMENT This Privacy Policy discloses the privacy practices for To-Apply Agency, Inc. [also referred to as “Agency,” “Firm,” “T-A,” “us” or “we”] website and various related services (together referred to as the site"). T-A is committed to protecting your privacy online. Please read the information below to learn the following regarding your use of this site.You acknowledge that this Privacy Policy is part of our site Terms and Conditions of Use, and by accessing or using our site, you agree to be bound by all of its terms and conditions of use. If you do not agree to these terms, please do not access or use this site.We reserve the right to change this Privacy Policy at any time. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by means including, but not limited to posting the revised Policy on this page. You acknowledge and agree that it is your responsibility to review this site and this Policy periodically and to be aware of any modifications. Your continued use of the site after such modifications will constitute your: (a) acknowledgment of the modified Policy; and (b) agreement to abide and be bound by the modified Policy.If you choose to submit your personal information to this website, your choice is optional. If you choose to optionally provide your personal information, your purpose in doing so is to gain assistance in determining whether or not you may meet the necessary requirements for bringing a claim for Social Security disability and/or Supplemental Security Income. Submission of your Personal Information to this website does NOT create an attorney/client relationship nor does it guarantee that after you submit your information that you will be contacted by an attorney and/or a representative. We have assumed no responsibility to respond to your, or any other, submission that is made to this website via email and/or web form.1. Types of Information CollectedIn order to better provide you with our numerous services, we collect two types of information about our users: Personally Identifiable Information and Non-Personally Identifiable Information. Our primary goal in collecting information from you is to provide you with a smooth, efficient, and customized experience while using our site.Personally Identifiable Information refers to information that lets us know the specifics of who you are. When you engage in certain activities on this site, such as registering for a membership, ordering a product or service, submitting content and/or posting content in discussion forums or other public areas, entering a contest or sweepstakes, filling out a survey, or sending us feedback, we may ask you to provide certain information about yourself by filling out and submitting an online form. It is completely optional for you to engage in these activities; however, we may ask that you provide us personal information, such as your first and last name, mailing address (including zip code), e-mail address, employer, job title and department, telephone, cell phone and fax numbers and other personal identifying information. In addition, if you are requesting a consultation with a lawyer or representative, we will ask for you to provide additional personal information, such as whether or not you are disabled, does your disability keep you from working, what is your disability and other such related questions regarding same. Depending upon the activity, some of the information we ask you to provide is identified as mandatory and some as voluntary. If you do not provide the mandatory data with respect to a particular activity, you will not be able to engage in that activity.Non-Personally Identifiable Information: This refers to information that does not by itself identify a specific individual. We gather certain information about you based upon where you visit on our site in several ways. This information is compiled and analyzed on both a personal and an aggregated basis. This information may include the website's Uniform Resource Locator (URL) that you just came from, which URL you next go to, what browser you are using, and your Internet Protocol (IP) address. An IP address is a number that is automatically assigned to your computer whenever you are surfing the web, allowing web servers to locate and identify your computer. Computers require IP addresses in order for users to communicate on the Internet.2. Collection Methods and Use of InformationWe do not collect any Personally Identifiable Information about you unless you voluntarily provide it to us. You provide certain Personally Identifiable Information to us when you (a) register for our services and register your e-mail address with us; (b) enter sweepstakes or contests sponsored by us or one of our partners; (c) sign up for special offers from selected third parties; (d) send e-mail messages, submit forms or transmit other information by telephone or letter; or (e) submit your credit card or other payment information when ordering and purchasing products and services on our site. We may also collect information from you at other points on our site that state that such information is being collected.In addition, we may also collect, or our third party ad server and/or content server may collect, certain Non-Personally Identifiable Information. This information is ultimately stored in the form of, in some cases, specific URLs. We use your IP address to diagnose problems with our servers, software, to administer our site and to gather demographic information. Our third party ad servers will also provide us with summary, but not individual, reports that will tell us how many ads were presented and clicked upon at our site.We will primarily use your Personally Identifiable Information to provide our services to you, as required by our agreements with you. We will also use Personally Identifiable Information to enhance the operation of our site, improve our marketing and promotional efforts, statistically analyze site use, improve our product and service offerings, and customize our site's content, layout, and services. We may use Personally Identifiable Information to deliver information to you and to contact you regarding administrative notices. We may also use Personally Identifiable Information to resolve disputes, troubleshoot problems and enforce our agreements with you, including our site and any Sales Terms and Conditions and this Privacy Policy.3. Release of InformationWe do not sell, trade, or rent your Personally Identifiable Information to others. We do provide your Personally Identifiable Information to lawyers and/or representatives with whom we have contractual arrangements, these are our service partners. We and our service partners use your Personally Identifiable Information to deliver the services that you have requested. For example, we must release your disability information and your address and other contact information to the lawyer and/or representative that may be contacting you to discuss your potential case.We will encourage our service partners to adopt and post privacy policies. However, the use of your Personally Identifiable Information by our service partners is governed by the privacy policies of those service partners, and is not subject to our control.Occasionally we may be required by law enforcement or judicial authorities to provide Personally Identifiable Information to the appropriate governmental authorities. We will disclose Personally Identifiable Information upon receipt of a court order, subpoena, or to cooperate with a law enforcement investigation. We fully cooperate with law enforcement agencies in identifying those who use our services for illegal activities. We reserve the right to report to law enforcement agencies any activities that we in good faith believe to be unlawful.We may also provide Non-Personally Identifiable Information about our customers' sales, traffic patterns, and related site information to third party advertisers, but these statistics do not include any Personally Identifiable Information.4. Updating and Correcting InformationWe believe you should have the ability to access and edit the Personally Identifiable Information that you have provided to us. You may change any of your Personally Identifiable Information in your account online at any time by linking to your account in accordance with instructions posted elsewhere on this site. You may also access and correct your personal information and privacy preferences by writing us at:To-Apply Agency, Inc.500 Beach StreetRevere, MA 02151You can also call our office at: 844.To-Apply or contact us via email to: help@to-apply.com to submit your Personally Identifiable Information.Please include your name, address, phone number and/or e-mail address when you contact us.We encourage you to promptly update your Personally Identifiable Information if it changes. You may ask to have the information on your account deleted or removed; however, because we keep track of past transactions, you cannot delete information associated with past transactions on this site. In addition, it may be impossible to completely delete your information without some residual information because of backups.5. User Choices on Collection and Use of InformationWe may, from time to time, send you e-mail regarding as a follow up to your submission of personal information to this website. In addition, if you indicated upon registration that you are interested in receiving offers or information from us and our partners, we may occasionally send you direct mail about products and services that we think may be of interest to you. Only To-Apply Agency, Inc. (or agents working on behalf of To-Apply Agency, Inc.) will send you these direct mailings and only if you indicated that you do not object to these offers. If you do not want to receive such mailings, simply tell us when you give us your personal information. Or, at any time you can easily edit your account information to no longer receive such offers and mailings.You also have choices with respect to cookies, as described below. By modifying your browser preferences, you have the choice to accept all cookies, to be notified when a cookie is set or to reject all cookies. If you choose to reject all cookies, some parts of our site may not work properly in your case.6. Security of InformationAt our site, you can be assured that your Personally Identifiable Information is secure, consistent with current industry standards. The importance of security for all Personally Identifiable Information associated with our user is of utmost concern to us. Your Personally Identifiable Information is protected in several ways. Access by you to your Personally Identifiable Information is available through a password and unique customer ID selected by you. This password is encrypted. You should not divulge your password to anyone. In addition, your Personally Identifiable Information resides on a secure server that only selected To-Apply Agency, Inc. personnel and contractors have access to via password. We encrypt your Personally Identifiable Information and thereby prevent unauthorized parties from viewing such information after it is received by us.Personal information that you provide that is not Personally Identifiable Information also resides on a secure server and is only accessible via password. Since this information is not accessible from outside To-Apply Agency, Inc. you will not be asked to select a password in order to view or modify such information.In order to most efficiently serve you, credit card transactions and order fulfillment are handled by established third party banking, processing agents and distribution institutions. They receive the information needed to verify and authorize your credit card or other payment information and to process and ship your order.Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your Personally Identifiable Information, you acknowledge that: (a) there are security and privacy limitations of the Internet which are beyond our control; (b) the security, integrity and privacy of any and all information and data exchanged between you and us through this site cannot be guaranteed; and (c) any such information and data may be viewed or tampered with in transit by a third party.7. Cookies When you use our site we will store cookies on your computer in order to facilitate and customize your use of our site. A cookie is a small data text file, which a website stores on your computer's hard drive (if your Web browser permits) that can later be retrieved to identify you to us. Our cookies store randomly assigned user identification numbers and the country where you are located. The cookies make your use of the site easier, make the site run more smoothly and help us to maintain a secure site. You are always free to decline our cookies if your browser permits, but some parts of our site may not work properly in that case.We may use an outside ad serving company to display banner advertisements on our site. As part of their service, they will place a separate cookie on your computer. We will not provide any third-party ad server with any of your Personally Identifiable Information or information about your purchases. We and our third party ad server will collect and use Non-Personally Identifiable Information about you, such as your IP address, browser type, the server your computer is logged onto, the area code and zip code associated with your server and whether you responded to a particular ad. Other advertisers may also place banner ads on our site in the same manner as above, but we will not disclose any Personally Identifiable Information to them.8. Privacy Policies of Third Party SitesExcept as otherwise discussed in this Privacy Policy, this document only addresses the use and disclosure of information we collect from you. Other sites accessible through our site have their own privacy policies and data collection, use and disclosure practices. Please consult each site's privacy policy. We are not responsible for the policies or practices of third parties. Additionally, other companies which place advertising on our site may collect information about you when you view or click on their advertising through the use of cookies. We cannot control this collection of information. You should contact these advertisers directly if you have any questions about their use of the information that they collect.9. Miscellaneous Privacy IssuesYou must be at least 18 years old to have our permission to use this site. Our policy is that we do not knowingly collect, use or disclose Personally Identifiable Information about visitors that are under 18 years of age.You should also be aware that when Personally Identifiable Information is voluntarily disclosed (i.e. your name, e-mail address, etc.) in the discussion forums or other public areas on this site, that information, along with any information disclosed in your communication, can be collected and used by third parties and may result in unsolicited messages from third parties. Such activities are beyond our control and this Policy does not apply to such information. Any submissions to forums or other public areas on this site are accepted with the understanding that they are accessible to all third parties. If you do not want your comments to be viewed by third parties, you are advised not to make any submissions. Ultimately, you are solely responsible for maintaining the secrecy of your password and/or account information. Please be careful and responsible whenever you're online.If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us by sending a letter to:To-Apply Agency, Inc.500 Beach StreetRevere, MA 02151You may also contact us by email at: help@to-apply.com10. Security (Updates)Every now and again, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our customers' information is protected.If you have any questions about the security at our web site, please contact us.If you feel that we are not abiding by our posted Privacy Policy, you should contact us by either calling toll-free: 844.To-Apply or emailing us at: privacy@to-apply.com.If we decide to change our Privacy Policy, we will post those changes here so that you will always know what information we gather, how we might use that information, and whether we will disclose it to anyone.11. Additional Provisions Added March 25, 2014Our websites generally collect your personally identifiable information when you voluntarily submit it through any of the websites. For example, you may submit and we may collect your name, e-mail address, or similar information when you choose to apply for a free case evaluation, register for or provide it on one of our discussion boards or blogs, or otherwise submit it to us through one of our websites.We also may collect non-personally identifiable information when you access and use our websites.We are not responsible for the data collection, privacy practices or policies of any third-party websites that we may link to or that may link to our websites. We encourage you to read the privacy policy of every website you visit.A. CookiesLike many other websites, we use cookies for various reasons. Cookies are bits of text that are placed on your computer’s hard drive when you visit certain websites. We use cookies to tell us, for example, whether you’ve visited us before or if you’re a new visitor, and to help us understand what areas of the websites are of greatest interest to you. Cookies also may enhance your online experience by saving your preferences and password so you do not have to re-enter this information each time you visit our websites. Cookies are not used to identify you and will not collect personally identifiable information.Most web browsers automatically accept cookies, but you can configure your browser to stop accepting new cookies, to notify you when you a new cookie is received, and to disable existing cookies. If you choose to disable cookies in your browser, however, you may not be able to take full advantage of all our websites’ features.B. How Do We Use and Share Your Information?By submitting information, including personally identifiable information, to our websites, you (i) consent to our use and disclosure of such information in any manner permitted by law, and (ii) acknowledge that you have no expectation of privacy, confidentiality, or privilege in it.Specifically, but without limitation, you consent that any information you submit to the Firm, other users, and other third-parties over the websites may be collected, used, shared, sold, or disclosed to:evaluate whether to represent you (and it may be shared with lawyers and other companies with whom we work for this purpose)provide you with professional services if you are or become a client of the Firmmonitor and analyze our business or website operationscollect debts, fight fraud, or protect the rights or property of the Firm, our clients, our websites, their users, or third parties, or as otherwise permitted by lawbe incorporated into our database for mailings or other purposesotherwise be provided to our affiliates, business partners, or others who work for us such as service providers, vendors, contractors and agents, and/or to other unaffiliated third parties, for marketing or other business purposesFurthermore, any communication, material or content you submit, post or access on an interactive discussion board, blog, other public area, or other interactive function on the websites is a public or other non-private communication, and may be viewed by the general public and/or by the other website users to whom you share or provide it.C. Legally Required and Other Related DisclosuresIn addition to the foregoing, we may release your personally identifiable information to law enforcement, governmental authorities, or third parties if (i) required to do so by law, search warrant, subpoena, court order, or other legal process, (ii) requested by law enforcement or other governmental authorities, in our discretion, or (iii) we otherwise have a good faith belief that such disclosure is reasonably necessary to protect the rights, property, or personal safety of the Firm or third parties.D. How Do We Protect Personally Identifiable Information You Provide to Us?We make reasonable efforts to protect personally identifiable information that you submit over the websites from loss, misuse, and unauthorized access, disclosure, alteration and destruction, which may include the use of firewalls and other security measures on our servers. However, the Firm does not warrant or represent that its level of security meets or exceeds any particular standard, and no server or internet transmission is ever 100% secure or error-free. You should take this into account when submitting personal or confidential data on any websites, including ours. Similarly, any information that you send us in an e-mail message or other form through the websites is not confidential or privileged, and may be subject to applicable disclosure and reporting requirements, as required by law. Our Company utilizes the Business Applications provided for due consideration by Google, Inc.. We store your personal information of servers owned by Google, Inc. which are licensed for our use. We utilize Google, Inc.’s GOOGLE DRIVE and GOOGLE DOCS for storing your personal information and medical records. By adjusting the SHARING rights for your online folder, we give access to your records only to staff, independent contractors and agents of T-A.E. What Personally Identifiable Information is Collected from Children?The websites are general audience websites with content directed primarily at individuals over the age of 18 and are not directed at children under the age of 13. We do not knowingly collect personally identifiable information from children under the age of 13. If you are under the age of 13, please do not provide personally identifiable information of any kind whatsoever.F. What Happens to Your Personally Identifiable Information in a Corporate Change of Control?In the event of a corporate change in control resulting from, for example, a sale to, or merger with, another entity, we may transfer your personally identifiable information to the new party in control.G. How Can You Ask Questions or Raise Concerns?If you have other questions or concerns about our privacy policy or data use, please call 844.To-Apply or send an email to: policy@to-apply.comLAST UPDATED ON JULY 15, 2013


Legal Notice, Terms, Conditions and Disclaimers

SECTION II: LEGAL NOTICE, TERMS, CONDITIONS and DISCLAIMERSTo-Apply Agency, Inc. [“T-A”] requires that each visitor (a "User") to this Internet site on the World Wide Web (the "Site") adhere to the following Terms and Conditions. Please read these Terms and Conditions carefully before using the Site. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Terms and Conditions. If the User does not agree to all of these Terms and Conditions, he or she should not use this Site.This policy is strictly referred to and incorporated by reference into other properties owned by us, including but not limited to; easyclients.com, easyintakes.com, lawyers.tm and hashtagcodes.com.Your Use of this Website and the business of To-Apply Agency, Inc.To-Apply Agency, Inc. is a Massachusetts corporation with a principal place of business is Atkinson, New Hampshire. T-A is a Social Security disability advocacy agency. We are not a law firm. We do not practice law. We are not affiliated in any way with the Social Security Administration or the United States government.When you fill out and submit an email and/or a web form to this website, one of three things may happen: (1) an agent of T-A will try to contact you for the purposes of answering any questions that you may have regarding Social Security Disability, SSDI and/or SSI and your right to pursue a claim for same, (2) an affiliate of T-A will try to contact you for the purposes of answering any questions that you may have regarding Social Security Disability, SSDI and/or SSI and your right to pursue a claim for same, (3) a lawyer and/or representative that purchases marketing and advertising services from T-A will try to contact you for the purposes of answering any questions that you may have regarding Social Security Disability, SSDI and/or SSI and your right to pursue a claim for same and/or (4) no one will contact you as a follow up to your submission.If you are contacted by a lawyer and/or representative for whom T-A provides marketing and advertising services and/or is not an agent or affiliate of T-A, then T-A disclaims liability for any and all actions and inactions by same. If you retain the services of an agent and/or affiliate of T-A, T-A maintains joint responsibility for the handling of your case. At any time during your representation you can reach a representative of T-A by calling us at: 844.To-Apply. You have the right to speak with a T-A representative at any time during the pendency of your case.T-A does NOT handle SSDI and/or SSI cases in Federal Court. We only represent clients at the administrative court level of proceedings.If you choose to submit your personal information to this website, your choice is optional. If you choose to optionally provide your personal information, your purpose in doing so is to gain assistance in determining whether or not you may meet the necessary requirements for bringing a claim for Social Security disability and/or Supplemental Security Income. Submission of your Personal Information to this website does NOT create an attorney/client relationship nor does it guarantee that after you submit your information that you will be contacted by an attorney and/or a representative. We have assumed no responsibility to respond to your, or any other, submission that is made to this website via email and/or web form.Terms and ConditionsThe information contained herein is not intended to constitute an offer to sell or a solicitation in connection with any product, security or service. It is provided solely for general informational purposes. To-Apply Agency, Inc. does not warrant the accuracy or completeness of the information, text, graphics, links or other content contained on this Site or any other server. To-Apply Agency, Inc. makes no representation concerning the suitability of this documentation for any purpose. It is provided "as is" without express or implied warranty. This Site may contain hyperlinks to websites operated by parties other than To-Apply Agency, Inc.. and its subsidiaries. Such hyperlinks are provided solely as a matter of convenience. To-Apply Agency, Inc. does not control such web sites and is not responsible for their contents. The inclusion of hyperlinks to such websites does not imply any endorsement, approval or certification by To-Apply Agency, Inc. of the material on such websites or any association with their operators.Limitation of LiabilityTo-Apply Agency, Inc. expressly disclaims all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security and accuracy. Information in this Site may contain inaccuracies or errors, Information on this Site may be changed or updated without notice, To-Apply Agency, Inc. has no obligation to update information on this Site, so such information may be out of date at any given time. To-Apply Agency, Inc. also may make improvements or changes in products described on this Site at any time without notice.To-Apply Agency, Inc. specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damage arising out of or in any way connected with access to or use of this Site (even if To-Apply Agency, Inc. has been advised of the possibility of any such damage), including any liability associated with any virus that may infect a User's computer equipment. Under no circumstances will To-Apply Agency, Inc.. be liable for any loss or damage caused by a User's reliance on information obtained through this Site. It is the responsibility of each User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through this Site.No Representation as to SuitabilityTo-Apply Agency, Inc. makes no representation as to the financial or other suitability of any product described on this Site for any User.Copyright and TrademarksAll content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the "Marks") displayed on this Site are the property of To-Apply Agency, Inc. or its subsidiaries or affiliates (collectively "T-A"), including but not limited to: EasyClients, EasyIntakes, Lawyers.TM, Hashtag Dialing Codes and any other such products and services. Users are prohibited from using any Mark for any purpose without the express written permission of T-A.OwnershipThe design, text and images of this Site are owned, controlled or licensed by To-Apply Agency, Inc. or its subsidiaries or affiliates. To-Apply Agency, Inc. and/or its licensors retain all rights, titles and interests to all material provided on this Site. The posting of information and material on this Site does not constitute a waiver by To-Apply Agency, Inc. or any of its licensors of any rights in such material and does not transfer any rights to any User of the Site.LinkingThe User may leave this Site and access other sites on the World Wide Web that To-Apply Agency, Inc. does not maintain. To-Apply Agency, Inc. is not responsible for the content available on any other site on the World Wide Web linked to this Site and disclaims any responsibility for such other sites. Access to any such other site linked to this Site is at the User's own risk.PrivacyAs part of the normal operation of our Site, we may collect a limited amount of information about your visit. The information we may track includes the URL you just came from, which URL you go to after leaving our Site, what browser you are using, and your Internet provider address. This type of information is tracked by many web sites in order to make sure that visitors are able to use the site information and functions successfully. None of this standard tracking information is personally identifiable. To-Apply Agency, Inc. does collect personally identifiable information (information that reveals the visitor's identity) about a visitor unless the visitor knowingly and voluntarily provides such information.For our privacy policies, please refer to To-Apply Agency, Inc. Privacy Policy.Laws and RegulationsAccess to and use of this Site are subject to all applicable federal, state and local laws and regulations.Access to Password Protected or Secure AreasAccess to and use of password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution.Forward-Looking StatementsThis Site includes "forward-looking statements" that express expectations of future events and/or results. All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and Assurant cannot give assurance that such statements will prove to be correct.Changes to Terms and ConditionsTo-Apply Agency, Inc. reserves the right to revise these Terms and Conditions at any time and Users are deeded to be apprised of and bound by any changes to these Terms and Conditions.Violations of Terms and ConditionsTo-Apply Agency, Inc. reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site.To-Apply Agency, Inc. brand mark is a service mark of To-Apply Agency, Inc.. No part of this site may be reproduced without written permission from To-Apply Agency, Inc..Hashtag Dialing Codes#SSDI [#7734] is a service provided only by To-Apply Agency, Inc.. By dialing #SSDI from any cell phone on the VZW, AT&T and Sprint wireless networks, you will be connected toll free to our office. Standard wireless rates will apply.=======================================Additional Legal Notices and DisclaimersT-A is NOT a law firm, however lawyers are employees, agents and/or independent contractors working on behalf of T-A. No Attorney-Client Relationship is Created by Your Use of The WebsitesNo attorney-client relationship between you and the Firm is or may be created by your access to or use of the websites or any information contained on them. The only way to become our client is through a mutual agreement in writing as described below. Further, none of the information on the websites constitutes legal advice, nor does it necessarily reflect the opinions of the Firm, our attorneys or our clients. Any information you submit via the websites will not be considered confidential and may be subject to applicable disclosure and reporting requirements, as required by law.Please Contact Us If You Would Like Us to Represent YouIf you are interested in asking us to represent you, please call us, email us, or otherwise contact us through one of our websites so we can determine whether the matter is one for which we are willing or able to accept professional responsibility. The telephone numbers for our office are listed on our websites. If you submit information to us by email or otherwise through one of our websites, you acknowledge that it will not be considered to be confidential and consent to our sharing it with other law firms to determine whether we will agree to represent you. In any event, we will not make the determination whether to represent you by e-mail communication or communications through the websites. We reserve the right to decline any representation, and may be required to decline representation if it would create a conflict of interest with our other clients. You Should Not Rely on the Information Contained on the WebsitesThe information provided on the websites is general in nature and does not apply to any particular factual, legal, medical, financial, insurance, or other situation. As such, you should not rely on any information on our websites, and should seek professional advice as you determine appropriate.In particular, you should consult personally and directly with:an attorney to understand what your legal rights may be in any particular situation;appropriate medical, health, counseling, or other professionals for any medical, health, counseling, or other similar advice. For example, if at times you submit an inquiry to a social worker, nurse, or other professional through one of our websites, the response is for your general information only and should not be relied on;and/or appropriate financial or insurance professionals for advice related to any financial matters, such as related to any stocks or mutual funds, or insurance matters.In addition, although we try to provide accurate and complete information, we make no commitment or express or implied warranty that the factual, legal, medical, financial, or any other information contained on our websites, or on any linked websites, is accurate, complete, error-free, or current. We assume no liability if it is not, and your use of the websites is solely at your own risk.Without limiting the generality of the foregoing, we are not responsible for any content, communications, information, or other materials posted, submitted, communicated, shared, discussed or otherwise generated through blogs, discussion boards, or other public areas of the websites ("User Generated Content"), nor do we guarantee its truthfulness, accuracy or completeness. Any actions you take or do not take based on or related to User Generated Content are solely at your own risk.Third-Party WebsitesThe websites, including User Generated Content, may contain links to third party websites. These links are provided only as a convenience to the recipient. We do not control and are not responsible for any linked third-party websites, and their policies and practices may not be consistent with these Terms of Use or our Privacy Policy. Further, we do not necessarily endorse any of these third-party websites and do not intend to imply any association between the Firm and the party or parties involved. If you use any third-party links, you do so at your own risk, and should check their terms of use and privacy policies before accessing or using them.User AccountsYou may be asked to create an account to access some features of the websites, such as a discussion board. If you create an account, you agree to provide complete and accurate information, either using your own information and on your own behalf, or on behalf of a family member or friend who has authorized you to do so.As part of this process, you may be asked to select a unique username and password or provide other information. You are responsible for and must keep your account password secure, and you must notify us immediately of any unauthorized use of your account.In any event, you alone are responsible for any activity using your account. The Firm will not be liable for any losses caused by any use of your account, authorized or unauthorized, but you may be liable for the Firm’s or others’ losses due to such use.User Generated ContentOur discussion boards, blogs and the other public areas of the websites are intended to facilitate open communication and discussion. If you post, submit, share, disseminate, or respond to User Generated Content, however, you agree that:your User Generated Content will not (i) be defamatory, harassing, threatening, obscene, pornographic, or invasive of privacy, (ii) be illegal, encourage illegal activity, violate of the rights of others, or otherwise give rise to liability, (iii) be confidential or proprietary, or infringe any third-party intellectual property rights and, (iv) in particular, be copyright protected (unless you have full permission to publish it under the terms hereof from the copyright owner).you are solely responsible for the User Generated Content and your failure to comply with the foregoing.we have the right (but assume no obligation) to monitor, delete, move, or edit any User Generated Content that we consider inappropriate or unacceptable for any reason.you grant to us, and to each user of the websites, a global, nonexclusive, unlimited license to publish, reproduce, sell, display, perform, disclose, distribute, use, edit or modify the User Generated Content, and any ideas, concepts or techniques embodied in the User Generated Content, for any purpose whatsoever, and you waive any and all moral rights you may have in the foregoing.Ownership, License & Limitations On UseAs between you and the Firm, all right, title and interest in the websites (including all copyrights, trademarks and other intellectual property rights) belongs to the Firm or its licensors. In addition, the names, images, pictures, logos, icons and other marks identifying our products and services in many countries are proprietary marks of the Firm and/or our affiliates. Except as expressly provided below, nothing contained herein should be construed as conferring any license or right, by implication, estoppel or otherwise, under copyright or other intellectual property rights.Limited License and Right to Use the Websites and ContentYou are hereby granted a nonexclusive, nontransferable, limited license to view and use information from the websites (i) solely for your personal, informational, non-commercial purposes, (ii) on the terms herein, (iii) provided that you do not modify or alter the content in any way, and (iv) provided that you do not delete or change any copyright or trademark notice.Except as expressly provided herein, no part of the websites, including but not limited to materials retrieved and the underlying code, may be reproduced, republished, copied, transmitted, or distributed in any form or by any means. In no event shall materials from the websites be stored in any information storage and retrieval system without prior written permission from the Firm.In addition, you may only use the websites if you agree not to take any action that might (i) interfere with their proper working, (ii) impose an unreasonable or disproportionately large load on their infrastructure, (iii) compromise their security, (iv) render them or their features inaccessible to others, (v) cause other damage to the websites or any content, or (vi) launch any automated system, including without limitation, any “robot,” “spider,” or “offline reader” that sends more requests to their server(s) in a given period of time than a human can reasonably generate using a conventional web browser.Use, duplication, or disclosure by or for the United States Government is subject to the restrictions set forth in DFARS 252.227-7013(c)(1)(ii) and FAR 52.227-19.Other Disclaimers, Limitation of Liability, and Indemnity"Covered Parties" means the Firm (including affiliated and other related entities), its listees, business partners and other entities participating in the websites, and its and their officers, directors, partners, principals, managers, members, employees, contractors, agents, successors, and assigns.Other DisclaimersTHE WEBSITES ARE PROVIDED ON AN "AS IS," "AS AVAILABLE" BASIS AND THE COVERED PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WITHOUT LIMITING THE GENERALITY OF OTHER TERMS HEREIN, THE COVERED PARTIES ALSO DISCLAIM ALL WARRANTIES, RESPONSIBILITY AND LIABILITY FOR ANY LOSS, INJURY, CLAIM, LIABILITY, OR DAMAGE OF ANY KIND RESULTING FROM, ARISING OUT OF OR ANY WAY RELATED TO (A) ANY ERRORS IN OR OMISSIONS FROM THE WEBSITES AND THEIR CONTENT, INCLUDING BUT NOT LIMITED TO TECHNICAL INACCURACIES AND TYPOGRAPHICAL ERRORS, (B) USER GENERATED CONTENT, INCLUDING BUT NOT LIMITED TO ANY ERRORS OR OMISSIONS THEREIN, (C) ANY THIRD PARTY WEBSITES OR CONTENT THEREIN DIRECTLY OR INDIRECTLY ACCESSED THROUGH LINKS IN OUR WEBSITES, INCLUDING BUT NOT LIMITED TO ANY ERRORS OR OMISSIONS THEREIN, (D) THE UNAVAILABILITY OF THE WEBSITES OR ANY PORTION THEREOF, (E) YOUR USE OF THE WEBSITES, (F) ANY SOFTWARE YOU MAY DOWNLOAD FROM OUR WEBSITES OR THIRD-PARTY WEBSITES, (G) VIRUSES OR OTHER DAMAGING FACTORS, OR (H) YOUR USE OF ANY EQUIPMENT OR SOFTWARE IN CONNECTION WITH THE WEBSITES. Limitation of LiabilityThe Covered Parties are and will not be liable for any damages, including but not limited to any direct, indirect, incidental, special, reliance, or consequential damages of any kind whatsoever (including, without limitation, attorneys' fees, lost profits, savings, or data), in any way due to, resulting from, or arising in connection with the websites, including their content and your use thereof, regardless of any negligence or fault of any of the Covered Parties, and whether or not any of the Covered Parties were apprised of the possibility of such damages. In no event will the aggregate liability of any of Covered Parties related to your use of the websites, User Generated Content, or their other content be greater than $100.IndemnityYou agree to indemnify and hold harmless the Covered Parties from any losses, damages, claims, or liabilities of any nature, including reasonable attorneys fees, arising from your use of the websites, User Generated Content, or their other content, or your breach of the terms hereof. The indemnity does not apply to events arising directly from an attorney-client relationship, if any, that may be entered between you and the Firm on the terms described herein.Capacity to Accept Terms of UseIn accessing or using the websites, you affirm that you (i) are more than 18 years old, or an emancipated minor, or possess legal parental or guardian consent, (ii) are fully able and competent to understand and enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms of Use and our Privacy Policy, and (iii) agree to comply with these Terms of Use and our Privacy Policy. In any case, you acknowledge that the websites are not intended for children under the age of 13, and affirm that you are more than 13 years old. Please do not use the websites if you are under the age of 13, and talk to your parents or guardian about which websites you can visit.Entire Agreement; Severability; No WaiverThese Terms of Use incorporate by reference any notices contained on the websites and, with our Privacy Policy and any end-user license agreements, constitute the entire agreement regarding your access to and use of the websites. If any provision of these Terms of Use or our Privacy Policy is unlawful, void or unenforceable, that provision will be severable from the remaining provisions and will not affect their validity and enforceability. The Firm’s failure to enforce any provision on any occasion is not and should not be construed as a waiver of such provision.Governing Law; JurisdictionThese Terms of Use and our Privacy Policy are to be governed by and construed in accord with the laws of the Commonwealth of Massachusetts, USA, without regard to choice of law principles, and U.S. federal and state courts located in the Commonwealth of Massachusetts, USA, are the exclusive forum and have sole jurisdiction for any dispute.Claims of Copyright Infringement and the Digital Millennium Copyright ActThe Firm is committed to complying with U.S. copyright and related laws, and requires all customers and users of the Service to comply with these laws. Owners of copyrighted works who believe that their rights under U.S. copyright law have been infringed may take advantage of certain provisions of the Digital Millennium Copyright Act of 1998 (the "DMCA") to report alleged infringements.In the event that you claim to be the copyright owner of any content, you agree to immediately notify the Firm of any claimed copyright infringement. You further agree to provide the Firm’s copyright agent the following information as required by the DMCA, Title 17, U.S.C. § 512:your physical or electronic signature or that of a person authorized to act on behalf of you, the purported owner of an exclusive right that is allegedly infringed;identification of the copyright or work claimed to have been infringed, or a multiple copyrighted work at a single online site or covered by a single notification, or a representative list of such works at that site;identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;information reasonably sufficient to permit us to contact you, the complaining party, or the person authorized to act on your behalf;a statement that you, the complaining party, have a good faith belief that the use of the material in the manner complained of is not authorized by you the copyright owner, your agent, or the law;and a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of you, the owner of an exclusive right that is allegedly infringed.The Firm’s Copyright Agent for notice of claims of copyright infringement on or relating to the websites can be reached either by sending an email request to (JavaScript must be enabled to view this email address); or sending a letter via the U.S. Mail to: Copyright Agent c/o General Counsel To-Apply Agency, Inc.500 Beach StreetRevere, MA 02151The Firm will respond expeditiously to either directly or indirectly (i) remove the allegedly infringing work(s) stored on the websites or (ii) disable access to the work(s). The Firm will also notify the affected customer or user of the Service of the removal or disabling of access to the work(s). Copyright owners may use their own notification of claimed infringement form that satisfies the requirements of Section 512(c)(3) of the U.S. Copyright Act. Under the DMCA, anyone who knowingly makes misrepresentations regarding alleged copyright infringement may be liable to the Firm, the alleged infringer, and the affected copyright owner for any damages incurred in connection with the removal, blocking, or replacement of allegedly infringing material.If you receive a notification of alleged infringement as described above, and you believe in good faith that the allegedly infringing works have been removed or blocked by mistake or misidentification, then you may send a counter notification to the Firm. Upon the Firm’s receipt of a counter notification that satisfies the DMCA requirements, the Firm will provide a copy of the counter notification to the person who sent the original notification of claimed infringement and will follow the DMCA's procedures with respect to a received counter notification. In all events, you expressly agree that the Firm will not be a party to any disputes or lawsuits regarding alleged copyright infringement.If a notification of claimed infringement has been filed against you, you can file a counter notification with the Firm’s designated agent using the contact information shown above. All counter notifications must satisfy the requirements of Section 512(g)(3) of the U.S. Copyright Act.Material available on the Firm’s websites is protected by copyright law. Effective Date: January 1, 2010.