1. These terms, and who they cover

1.1 What this is. These Account and Registration Terms (these "Terms") govern your registration for and use of an account on erisabenefitstech.com, and your use of the free training and other free material that account gives you. They are between ERISA Benefits Tech, LLC, an Arizona limited liability company ("EBT," "we," "us"), and you.

1.2 Accepting them. You accept these Terms when you create an account. If you do not accept them, do not create one.

1.3 If you buy something. A purchase of the ERISA SKILLs Suite is governed by the ERISA SKILLs Suite Purchase and License Agreement and by the LICENSE.txt delivered with your Release, not by these Terms. These Terms continue to govern the account itself. Where these Terms and the Purchase and License Agreement differ as to a purchase, the Purchase and License Agreement controls.

1.4 Changes. We may change these Terms by publishing a revised version and, if the change is material, by notifying the email address on your account. Continuing to use the account after that is acceptance. A change does not affect a Release you have already purchased, which stays governed by the terms you accepted at the time.

2. Your account

2.1 Who may register. You must be at least 18 and registering on behalf of an organization in connection with its employee benefit plans or its benefits practice. The account is not for personal or household use, and it is not for participants seeking information about their own benefits.

2.2 Accurate information, one account. Register with your own name, title, work email, and organization, and keep them current. One account per individual. Do not register on behalf of someone else or create an account under a name that is not yours.

2.3 Your credentials are yours. Keep them confidential and do not share them or let anyone else use your account. You are responsible for what happens under your account. Tell us promptly at hello@erisabenefitstech.com if you think it has been used without your permission.

2.4 What the account is for. Watching the free training; buying the Suite and each updated Release; downloading the licensed copy issued to your organization; seeing which Release you hold and your License ID; booking individual training if we offer it; and corresponding with us about any of that.

2.5 The account is free. We charge nothing to create or keep an account. Registering commits you to no purchase.

3. The free training

3.1 What it is. General instruction on using artificial intelligence in a benefits function - how to prompt, how to give a model the context it needs, how to tell a sound answer from a plausible one, and what not to delegate. It is instruction about tools. It is not instruction in ERISA, and it is not about your plan.

3.2 What you may do with it. We grant you a personal, non-exclusive, non-transferable, revocable right to view the training for the internal business purposes of your organization. You may not download, copy, record, screen-capture, republish, re-host, sell, or make it available outside your organization, and you may not use it to build or improve a competing product, course, or service. You may share what you learned; you may not share the material.

3.3 We commit to nothing about it. We may add, change, withdraw, or stop offering any module at any time, and nothing here obliges us to produce any module, to keep one available, or to follow any schedule. If we later make training a stated benefit of a paid annual renewal, that promise will be made in the terms governing the renewal, not here and not in marketing.

3.4 No credit of any kind. The training carries no continuing legal education, continuing professional education, or human-resources recertification credit, and we do not represent that it does. Do not rely on it to satisfy a credit requirement.

4. This is not legal advice, and we are not your lawyers

4.1 We are not a law firm. EBT is not a law firm. It does not practice law, does not represent you, and no attorney-client relationship arises from your account, from the training, or from anything else on this site.

4.2 The training is general information. It is not legal advice, is not given in respect of your plan or your facts, and must not be relied on as a substitute for advice from competent ERISA counsel of your own choosing. Selecting that counsel is your decision, and we do not refer, recommend, or arrange it.

4.3 Nobody reviews it for you. No attorney reviews the training against your circumstances, and nothing here arranges review of anything you produce after taking it.

4.4 Responsibility stays where ERISA puts it. Responsibility for every plan decision remains with the plan sponsor, the plan administrator, and the named fiduciaries. Nothing on this site relieves any of them of a duty owed under ERISA or the Internal Revenue Code.

5. Who we are, and who we are not

5.1 Ownership. EBT is owned by the professional entities of the two partners of an Arizona law firm that practices ERISA and employee benefits law. Those lawyers hold a financial interest in what EBT sells.

5.2 That firm is not part of this. The law firm is not a party to these Terms, does not represent you, provides nothing through this site, and has no relationship with you arising from your account. It does not deliver the training.

5.3 Separate channels. This site sells only what EBT offers. It does not offer, sell, or take payment for that law firm's legal services, and nothing here should be read as making those services available to you through us. If you want legal advice, engage counsel of your own choosing directly.

6. Acceptable use

6.1 What you will not do. You will not share or resell access to the account or the training; circumvent the registration gate or any access control; use automated means to scrape, index, or collect the training or any other content; attempt to access another account or any system or data you are not authorized to reach; interfere with the operation of the site; reverse engineer any part of it; or use it for anything unlawful.

6.2 What you will not send us. Do not send us participant-level data, protected health information, or anything else you would not put in an ordinary business email. We do not need it for an account, we do not ask for it, and Section 3 of the Privacy Notice explains what we do not collect.

7. Your information

7.1 The Privacy Notice governs it. What we collect at registration and afterwards, why, how long we keep it, who processes it, and the choices you have are set out in our Privacy Notice, which is part of these Terms.

7.2 Marketing is a separate choice. We will not add you to a marketing list as a condition of creating an account. Any marketing consent is asked for separately and can be withdrawn at any time without affecting your account.

8. Suspension, closure, and what survives

8.1 You may close it. Ask us at hello@erisabenefitstech.com and we will close your account and delete or de-identify the information we no longer need, as the Privacy Notice describes.

8.2 We may suspend or close it. We may suspend or close an account that breaches these Terms, that appears to be shared or resold, or where we are required to. Where it is practical and lawful to do so, we will tell you why first.

8.3 Your Suite license is not held through the account. Closing or losing an account does not terminate, suspend, or shorten a perpetual license to a Release your organization has purchased. That license lives in the Purchase and License Agreement and the LICENSE.txt delivered with the Release, and it survives. What you lose is the convenience of downloading the copy and seeing your records here, and you can ask us for either.

8.4 What survives closure. Sections 4, 5, 6.2, 8.3, 9, 10, and 11 survive.

9. No warranty, and what we are liable for

9.1 As is. THE SITE, THE ACCOUNT, AND THE TRAINING ARE PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR CURRENCY. WE DO NOT WARRANT THAT THE SITE WILL BE AVAILABLE OR UNINTERRUPTED.

9.2 Limits. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY ARISING OUT OF OR RELATING TO YOUR ACCOUNT OR THE TRAINING IS LIMITED TO THE LESSER OF ONE HUNDRED DOLLARS OR THE AMOUNT YOU PAID FOR THE TRAINING, AND WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS OR LOST DATA. Liability arising from a purchase of the Suite is governed instead by the Purchase and License Agreement.

9.3 What the limits do not cover. Sections 9.1 and 9.2 do not apply to the extent applicable law does not permit the limitation, including as to our fraud or willful misconduct.

10. Governing law and disputes

10.1 Arizona law. Arizona law governs these Terms, without regard to conflict-of-laws rules.

10.2 Talk to us first. Before starting any proceeding, notify us in writing and give us 30 days to resolve it.

10.3 Venue. The state and federal courts located in Pima County, Arizona have exclusive jurisdiction and venue over any dispute arising out of or relating to these Terms, and each party consents to that jurisdiction and venue.

11. General

11.1 Entire agreement. These Terms and the Privacy Notice are the entire agreement between us about your account and the free training, and supersede any prior discussion or marketing statement about them.

11.2 No waiver; severability. A delay in enforcing a term does not waive it. If a term is held unenforceable, the rest stays in effect and the unenforceable term is limited to the minimum extent necessary.

11.3 No assignment by you. You may not assign these Terms or transfer your account. We may assign them to a successor to substantially all of our business.

11.4 Notices. Notices to us go to ERISA Benefits Tech, LLC, PO Box 41283, Tucson, AZ 85717, hello@erisabenefitstech.com. Notices to you go to the email address on your account.

12. Acceptance at registration

Assent text presented immediately above the control at registration:

"I have read and agree to the Account and Registration Terms and the Privacy Notice. I am at least 18 and I am registering on behalf of my organization. I understand that ERISA Benefits Tech is not a law firm, that the training is general information and not legal advice, and that it carries no continuing-education or recertification credit."

1. Who we are, and what this covers

1.1 Us. ERISA Benefits Tech, LLC ("EBT," "we," "us") is an Arizona limited liability company at PO Box 41283, Tucson, AZ 85717. You can reach us at hello@erisabenefitstech.com.

1.2 What this covers. This notice describes what we collect through erisabenefitstech.com - when you create an account, watch the free training, buy the ERISA SKILLs Suite, or contact us - what we do with it, and the choices you have. It is part of the Account and Registration Terms.

1.3 Who this is for. Our site is for people acting for an organization in connection with its employee benefit plans or its benefits practice. It is not for participants looking up their own benefits, and it is not for anyone under 18.

2. What we collect

2.1 When you register. Your name, title, work email address, organization, and a password, which we store only as a salted hash. We never see or store your password itself.

2.2 When you use the training. Which modules you opened and how far you got, so the site can show you where you left off and so we can tell which material is useful.

2.3 When you buy. Your organization's legal name, the contact individual's name, title, and email, the order and payment record, your Tier and Named Users, and your License ID and Release. Payment card details are handled by a third-party payment processor and are never received or stored by us.

2.4 When you contact us. The correspondence itself, including installation-support email, and anything you choose to put in it.

2.5 Automatically. Ordinary server log information - IP address, browser and device type, pages requested, timestamps - and cookies as described in Section 7.

3. What we do not collect, and cannot see

3.1 Nothing from your platform account. This is the most important sentence in this notice. The Suite runs inside your own account with a third-party artificial-intelligence platform, under your own agreement with that provider. We do not host it. We do not receive, process, store, or have any access to the documents, plan materials, questions, or output you put into or get out of that account. We therefore make no data-handling promise about that material, because we have none to make: we cannot see it.

3.2 And we do not set your settings. We also do not set, control, monitor, or have any ability to assure any setting or policy in your account - including whether your material may be used to train or improve a model, how long it is retained, whether it is logged, and whether it is subject to human review. Those are yours to elect, and your agreement with your platform provider governs them. We may tell you which settings we think are worth considering; that is guidance, not a promise about anyone else's conduct.

3.3 Please do not send us plan or participant data. We do not ask for, need, or want participant-level data, protected health information, census or testing data, or plan documents. Do not send them. If you send something like that anyway, we will delete it and tell you we have.

3.4 No special categories, and no tracking you across the internet. We do not knowingly collect sensitive personal information, we do not use advertising cookies or third-party trackers, and we do not build profiles of you for advertising.

4. Why we use it

4.1 The purposes. To create and run your account and authenticate you; to give you the free training and remember your progress; to sell, deliver, and support the Suite and each updated Release; to issue and administer License IDs and to handle renewals and upgrades; to answer you; to keep the site secure and detect misuse; to enforce our terms and protect our rights, including identifying an unauthorized copy as Section 6 describes; and to comply with law.

4.2 Marketing, only if you say so. We will send you occasional email about the Suite and new training only if you have asked us to, and you can stop it at any time from any such email or by writing to us. We do not condition an account on marketing consent.

5. Retention

5.1 How long. Account and training-progress information: while your account is open, and then deleted or de-identified within a reasonable period after it closes. Order, license, and registry records: for as long as the license exists, which for a perpetual license means indefinitely, because the record of what your organization is licensed to use is the point of it. Correspondence: as long as needed for the matter and our ordinary business records. Server logs: a short rolling period.

6. The license registry, disclosed plainly

6.1 What it is. Each copy of the Suite we issue is individually identified. We keep a private registry recording the licensee, the contact individual, the Tier, the purchase date, the License ID, the Release, and identifying characteristics that let us tell which copy a given file or excerpt came from.

6.2 What we use it for. Delivering and supporting your copy, handling renewals and upgrades, and determining which copy an unauthorized file or excerpt came from. We do not use it to monitor your use of the Suite, and we receive no information about your use - the Suite reports nothing back to us.

6.3 Where it lives. The registry is confidential, is kept outside any distributable repository, and is never shipped inside a package. None of it is sold or licensed to anyone.

7. Cookies

7.1 What we use. Cookies that are strictly necessary to run the site and keep you signed in. If we ever add analytics, we will update this notice first, keep it to aggregate measurement, and provide any choice the law then requires. We do not use advertising or cross-site tracking cookies today.

8. Who else sees it

8.1 Service providers. We use a small number of providers to run the site, host the training, send email, and process payments. Today they are GoDaddy, which hosts the website and the training videos; Postmark, which sends account and transactional email; and Stripe, which processes payments and receives your card details directly, so that we never do. Each gets only what it needs, is bound to confidentiality and security obligations, and may not use your information for its own purposes. If we change or add a provider we will update this notice.

8.2 Not the law firm. EBT is owned by the professional entities of the two partners of an Arizona law firm. We do not share your account, training, or purchase information with that firm, and nothing you do here creates any relationship with it. If you ever want legal advice, you engage counsel of your own choosing directly.

8.3 We do not sell it. We do not sell your personal information, and we do not share it for cross-context behavioral advertising.

8.4 Law and transactions. We may disclose information where the law requires it, to protect our rights or someone's safety, or to a successor if substantially all of our business is acquired - in which case this notice continues to apply until it is replaced.

9. Security

9.1 What we do. We keep administrative, physical, and technical safeguards appropriate to the small amount of information we hold, including hashed passwords, encryption in transit, and access limited to the people who need it. No system is perfect, and we do not promise one is.

10. Your choices

10.1 What you can ask for. You can ask us to show you the information we hold about you, correct it, delete it, or close your account, and you can withdraw marketing consent at any time. Write to hello@erisabenefitstech.com and we will respond within a reasonable period.

10.2 One limit, stated honestly. If your organization holds a Suite license, we keep the order and registry record for that license even if you close your personal account, because it is the record of what your organization is licensed to use and it is how we protect every licensee. We will remove you as the contact individual on request.

10.3 Where your information is. We process information in the United States.

11. Changes to this notice

11.1 How we change it. We will post a revised notice with a new date and, if the change is material, tell the email address on your account. The version in force when you registered governs until you are notified of a change.

12. Contact us

12.1 How. ERISA Benefits Tech, LLC, PO Box 41283, Tucson, AZ 85717; hello@erisabenefitstech.com. Tell us if you think anything in this notice is wrong about what we actually do, and we will either fix the practice or fix the notice.