Terms

ERISA Benefits Tech — terms.

Four documents, all here in full. The Purchase and License Agreement is the contract formed at checkout. LICENSE.txt ships inside the package and governs the scope of your license. The affiliated-entity disclosure tells you who owns us and who profits from your purchase. The account and registration terms govern the free account and the free training, and are accepted when you register rather than when you buy. Our Privacy Notice is a separate page.

Where LICENSE.txt and the Purchase and License Agreement differ on the scope of your license or the restrictions on your use, LICENSE.txt controls. The Agreement governs everything else about a purchase. The account terms govern the account. Arizona law governs all of them.

ERISA SKILLs SUITE

PURCHASE AND LICENSE AGREEMENT

ERISA Benefits Tech, LLC — published standard terms

1. This Agreement and how it is formed

1.1 Parties. This Purchase and License Agreement (this “Agreement”) is between ERISA Benefits Tech, LLC, an Arizona limited liability company (“EBT,” “we,” “us”), and the organization identified in the order confirmation as the purchaser (“you”). You are purchasing on behalf of an organization and represent that you are authorized to bind it.

1.2 Formation. This Agreement is formed when you affirmatively accept it at checkout, or when you sign a countersigned copy for an invoiced purchase. Your order confirmation states your Tier, your License ID, the Release you purchased, the price paid, and the purchase date, and is part of this Agreement.

1.3 What must be available before you buy. Before you accept this Agreement we make available to you, on the purchase page, the full text of this Agreement, the full text of the LICENSE.txt file that ships with the package, and the tier scope descriptions in Section 4. We email you a copy of each with your order.

1.4 Order of precedence. LICENSE.txt as delivered with your Release governs the scope of your license and the restrictions on your use. This Agreement governs everything else, and its terms are otherwise controlling. Your order confirmation governs the commercial particulars of your order. Sections 3 through 5 of this Agreement reproduce the substance of LICENSE.txt; if they nonetheless differ from it, LICENSE.txt controls.

2. Definitions

“Suite” means the ERISA SKILLs Suite: a package of artificial-intelligence skill files, together with the INSTALL.md and LICENSE.txt files delivered with them.

“Release” means a numbered, dated version of the Suite. The Release you purchased is named in your order confirmation and in your LICENSE.txt.

“Output” means content generated when you use the Suite.

“Tier” means the license scope you purchased — Small Employer, Enterprise, or Professional — as named in your order confirmation and in your LICENSE.txt.

“Your Organization” means the purchaser named in the order confirmation, together with the members of its controlled group and affiliated service group as those terms are used in sections 414(b), (c), and (m) of the Internal Revenue Code, and their employee benefit plans.

“Named User” means an individual you designate under Section 4.2.

“Platform” means the third-party artificial-intelligence service on which you install and run the Suite, under your own agreement with its provider.

3. Your license

3.1 Grant. On our receipt of full payment, we grant you a perpetual, non-exclusive, non-transferable, royalty-free license to install and use the Release you purchased, within the scope of your Tier, for the internal business purposes of Your Organization. This license does not expire and the Release does not stop working.

3.2 Not a sale; not a subscription. The Suite is licensed, not sold. We retain all right, title, and interest in it. Your license is not a subscription and does not lapse.

3.3 Who may use it. The Suite may be used by Your Organization’s employees, in-house counsel, and contractors acting for Your Organization and bound by confidentiality obligations at least as protective as this Agreement, in each case within your Tier.

4. Tier scope

4.1 The three tiers. Your Tier is named in your order confirmation and in your LICENSE.txt. The scope of each is:

Small Employer — one employer; up to three Named Users.

Enterprise — one employer; unlimited users internal to that employer.

Professional — one organization that provides benefits guidance to others, such as a third-party administrator, advisory firm, or broker, for use in serving that organization’s own customers; unlimited users internal to that organization. This Tier does not permit supplying the files themselves to those customers.

Use beyond your Tier requires an upgrade. Upgrades are available at the published difference in price for the current Release.

4.2 Named Users (Small Employer Tier). You designate your Named Users at purchase or by notice to us afterward. A Named User is an identified individual, not a shared or role account, and credentials are not shared. You may substitute a Named User on notice to us at any time, and there is no limit on substitutions.

4.3 Serving your customers (Professional Tier). If your Tier is Professional, you may use, reproduce, and incorporate Output in the guidance, work product, and deliverables you provide to your own customers, in the ordinary course of your business. You may not give any customer access to the Suite files themselves, install the Suite for a customer, or operate it on a customer’s behalf in a way that gives the customer use of the files. Any co-branded, white-label, hosted, or distribution arrangement requires a separate written agreement with us.

4.4 What you tell your customers. If your Tier is Professional, you are solely responsible for the guidance you give your customers, whether or not you used the Suite to prepare it. You will not represent to any customer that Output has been reviewed by an attorney, that any attorney or law firm stands behind it, or that any law firm is available to the customer, and you will not identify us or any law firm as the source of legal review for anything you provide. Your obligations to your customers, and your own professional and regulatory obligations, are yours.

5. What you may not do

You will not, and will not permit anyone else to:

redistribute, resell, sublicense, publish, lease, lend, host for others, or post the files, in whole or in part, including to any public or shared repository;

use the files outside the scope of your Tier, or share them with another organization;

remove, alter, suppress, shorten, move, or obscure the AI-output labels, the session-opening notice, the judgment-call notice, the release-currency disclosure, the identification block, or the response footer, or instruct the Suite to do any of those things;

create a derivative product for distribution from the content, or use the Suite to develop, train, or improve a product or service that competes with it;

use the Suite or its content to train or fine-tune any artificial-intelligence model; or

remove or alter any proprietary or copyright notice.

You may edit the files only as required to correct an installation problem at our direction. The Suite is designed to be used as delivered, and edits are replaced when a new Release is installed.

6. Each copy is identified

6.1 How. Your copy is individually identified. It carries an identification block naming you, your License ID, your Tier, your purchase date, and your Release; the License ID appears in the footer of responses the Suite produces; and the copy carries further identifying characteristics that are not visible on inspection.

6.2 This is not a secret. We do not treat any of this as hidden. The Suite will tell you what its identification block says if you ask it, and it will confirm that the copy is identified. The License ID in the response footer travels with any Output you paste or forward, which is what makes an excerpt traceable to a copy. We say so plainly so that you can decide what to do with Output that leaves your organization.

6.3 Use. We may use these characteristics to determine which copy an unauthorized file or excerpt came from. We do not use them to monitor your use of the Suite, and we receive no information about your use.

6.4 Certification. On our reasonable written request, not more than once in any twelve-month period, you will confirm in writing the number of individuals using the Suite and that your use is within your Tier. We have no right to inspect your systems or records.

7. Updates and currency

7.1 Your Release does not update itself. ERISA guidance changes regularly. Your Release states the law as of the version date shown in your LICENSE.txt and becomes progressively less current from that date forward. The Suite discloses its release date when currency matters.

7.2 Updates are sold separately, at half price, and that rate does not expire. Updated Releases are sold separately and are not included with your license. If we publish an updated Release, the price to you is 50% of our then-published initial license price for your Tier. That 50% rate does not depend on how current your existing Release is and it does not lapse: however long it has been since your last purchase, you never pay more than half the then-published initial price to move to a current Release. We recommend updating at least annually, and your LICENSE.txt shows a recommended renewal date. Your Release will continue to work after that date; it will simply be stale.

7.3 We do not commit to producing an update. Nothing in this Agreement obliges us to produce any updated Release, or to produce one on any schedule. The scope, timing, contents, and price of each Release are our decisions. If we do not produce an update, your license to the Release you bought is unaffected.

7.4 What an update purchase gets you. Purchasing an updated Release grants you a license to that Release on these same terms and at your same Tier, at the rate stated in Section 7.2. Your license to earlier Releases continues, and every Release you hold is subject to this Agreement.

7.5 Prices. Prices for Releases and updates are as published at the time of your purchase. We may change published prices at any time; a change does not affect an order already placed.

8. Payment, delivery, and taxes

8.1 Payment. The price is payable in full at purchase, or on the terms stated in an invoice for an invoiced purchase. Amounts more than 30 days past due on an invoiced purchase bear interest at 10% per annum.

8.2 Delivery. We deliver the package electronically after payment clears — the skill files, INSTALL.md, and LICENSE.txt, stamped with your identification block. Delivery is complete when we make the package available to you for download or send it to the email address in your order.

8.3 Taxes. Prices exclude taxes. You are responsible for any sales, use, transaction privilege, or similar tax, other than taxes on our income.

8.4 Your Platform costs are yours. The price does not include your Platform subscription. You are responsible for your own Platform account and its cost.

8.5 Not payable from plan assets. The price and any update charge are payable only from your organization’s own operating funds. No part of them may be paid, directly or indirectly, from the assets of any employee benefit plan, and you will not seek reimbursement of them from any plan or its assets. This is a material term.

9. Refunds

9.1 Before delivery. You may cancel and receive a full refund at any time before we deliver the package.

9.2 Within 14 days after delivery. You may request a refund within 14 days after delivery. We will refund the price in full if you confirm in writing that you have deleted every copy of the package and every file from it from all systems and accounts under your control, and have not supplied any of it to anyone else. On refund, your license terminates, and we record your License ID as terminated.

9.3 After 14 days. The Suite is a set of text files that cannot be recalled once delivered, and after 14 days the price is not refundable. Currency is not a defect: a Release that has become stale is working as described in Section 7 and is not a basis for a refund.

10. Installation and support

10.1 You install it. You install the Suite into your own Platform account. INSTALL.md, delivered with the package, describes the steps, and the getting-started skill in the package walks you through setting up a project, loading your own documents, and prompting effectively.

10.2 Installation support. For 30 days after delivery we will provide reasonable email support to help you complete installation and confirm the Suite is running. This is installation support. It is not advice about your plans, your documents, or any question the Suite answers.

10.3 Interface details change. INSTALL.md and the getting-started skill describe your Platform’s interface, menu paths, and file limits as they stood when the Release was prepared. Platforms change. Where a description does not match what you see, use the nearest equivalent or consult your Platform’s own help resources.

11. Your Platform, and your data

11.1 We are not your Platform. The Suite runs on a third-party Platform we do not control. We are not responsible for your Platform’s availability, pricing, model behavior, output, or changes to its features or terms. You need your own Platform account, and you need code execution enabled on it for the skills to appear.

11.2 We receive nothing you load, and we do not set your settings. We do not host the Suite, and we do not receive, process, store, or have any access to the documents, data, questions, or Output you put into or get out of your Platform account. We make no data-handling promise about that material, because we have no access to it. 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 settings are yours to elect, and your own agreement with your Platform provider governs them. Read it, and check your own organization’s data-handling, privacy, and vendor policies before you load plan documents or any participant information.

11.3 Guidance is not a promise. INSTALL.md, the getting-started skill, and anything we tell you in support may point you to settings worth considering. That is guidance. It is not a representation, warranty, or assurance about your Platform provider’s conduct or about how your account is configured, and it does not shift responsibility for your configuration to us.

11.4 What we do collect. We collect what we need to sell and support the Suite: the purchaser’s name and 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. We keep a private license registry of that information. We use it to deliver the package, to support you, to handle upgrades and updates, and to enforce this Agreement. We do not sell it.

11.5 No Platform commitment. The Suite is built for, and supported on, the Platform named on the purchase page. Nothing here commits us to producing or maintaining a version for any other Platform.

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

12.1 We are not a law firm. ERISA Benefits Tech, LLC is not a law firm. It does not practice law, does not represent you, and no attorney-client relationship arises from your purchase or use of the Suite.

12.2 No one reviews the Output. Output is generated by an artificial-intelligence model and is unreviewed by definition: no attorney reviews it before you see it. Nothing in the Suite arranges review, routes anything for review, or promises that review will happen. If you ask the Suite who reviews its answers, it will tell you that no one does.

12.3 You cannot rely on it. Output is not legal advice and must not be relied on, acted on, communicated as a position, or used to commit a plan, a plan sponsor, an employer, or anyone else, until it has been reviewed by competent ERISA counsel of your own choosing. Selecting that counsel is your decision. We do not refer, recommend, arrange, or provide counsel, and the Suite will not name any.

12.4 Responsibility stays where ERISA puts it. The Suite is a research and drafting aid. Responsibility for every plan decision remains with the plan sponsor, the plan administrator, and the named fiduciaries, and nothing in the Suite or this Agreement relieves any of them of a duty owed under ERISA or the Internal Revenue Code.

12.5 The labels are part of the product. Every response carries a label identifying it as AI-generated and not legal advice, and the Suite will decline to remove, shorten, or omit that label, or to produce a “clean copy” without it, including if you tell it you are a lawyer. That is intended behavior, not a defect.

13. State law

13.1 Federal law is the subject; state examples are Arizona. The Suite addresses ERISA and other federal law. Where it discusses state law, its examples are Arizona-based and are illustrative only. They are included to show the kind of state law that bears on a question, not to state the law that governs you.

13.2 It does not state the law of your state. The Suite does not state, and must not be read as stating, the law of any state other than Arizona, and it will not reason from an Arizona rule by analogy to another state’s rule. If your question turns on the law of any state, it is outside what the Suite can tell you and must go to counsel licensed in that state.

14. Who we are

14.1 Ownership. ERISA Benefits Tech, LLC 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 your purchase.

14.2 That firm is not part of this. The law firm is not a party to this Agreement, does not represent you, does not review any Output, is not available to you by reason of your purchase, and has no relationship with you arising from it. The Suite names no law firm and refers you to counsel only generically.

14.3 If you are a client of that firm. Your existing representation is unaffected by this purchase. The purchase is not part of it and does not expand or extend it. A separate short-form disclosure and consent is presented to you with your order.

14.4 Authorship. The Suite’s content was authored by lawyers who practice ERISA law. That is a statement about who wrote it. It is not a statement that the Suite provides legal expertise, that Output is reliable as advice, or that anyone stands behind it — Sections 12 and 15 govern those questions.

15. No warranty

THE SUITE IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR CURRENCY OF LEGAL CONTENT. WE DO NOT WARRANT THAT THE CONTENT IS COMPLETE, CURRENT, OR CORRECT FOR YOUR FACTS, OR THAT OUTPUT WILL BE ACCURATE OR FIT FOR ANY PARTICULAR USE. ARTIFICIAL-INTELLIGENCE SYSTEMS ARE PROBABILISTIC AND CAN PRODUCE INCORRECT OR INCOMPLETE OUTPUT EVEN WHEN WORKING AS DESIGNED. YOUR QUALIFIED PERSONNEL AND YOUR OWN ERISA COUNSEL MUST REVIEW AND VERIFY OUTPUT BEFORE ANY USE OR RELIANCE.

16. Limitation of liability

16.1 Cap. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SUITE IS LIMITED TO THE AMOUNT YOU PAID FOR IT.

16.2 Excluded damages. WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS OR LOST DATA, OR FOR ANY PLAN DISQUALIFICATION, EXCISE TAX, PENALTY, CORRECTION COST, OR LOST BENEFIT, HOWEVER CAUSED.

16.3 What the limits do not cover. Sections 16.1 and 16.2 do not apply to the extent applicable law does not permit the limitation, including as to our fraud or willful misconduct.

17. Your indemnity

You will defend and indemnify us against third-party claims arising from your use of the Suite or of Output, from the guidance, work product, or deliverables you provide to your own customers, and from your breach of Section 5, provided we give you prompt notice and reasonable cooperation and you do not settle any claim in a way that imposes an obligation on us without our consent.

18. Term and termination

18.1 Term. Your license is perpetual and this Agreement continues for as long as you hold any Release.

18.2 Automatic termination on breach. Your license terminates automatically if you breach Section 5. Termination applies to every Release you hold, not only the one in respect of which the breach occurred.

18.3 What happens on termination. On termination you must stop using the Suite and delete every copy of it and every file from it from all systems and accounts under your control, and confirm to us in writing that you have done so. We may record your License ID as terminated. No refund is due.

18.4 Survival. Sections 5, 6, 8.5, 11.2, 11.3, 12, 13, 15, 16, 17, 18.3, and 20 through 23 survive termination.

19. Intellectual property

19.1 Ownership. We own the Suite, including its content, structure, configuration, notice architecture, and identification and licensing systems, and all copyright in them. You receive only the license in Section 3.

19.2 Your material. You own whatever you load into your Platform account and, as between us, you own Output. We claim no interest in either.

19.3 Notices. The copyright and license notices delivered with the package are part of it. You will not remove or alter them.

20. Transfers

20.1 No transfer. You may not assign or transfer this Agreement or your license, or make the Suite available to a successor, except as Section 20.2 permits.

20.2 Successors. You may transfer this Agreement and your license to a person that acquires all or substantially all of Your Organization’s business or assets, on written notice to us, if the transferee agrees in writing to this Agreement and no copy is retained by any person that is no longer part of Your Organization. A transfer does not enlarge your Tier: a Small Employer Tier license transfers with its three-Named-User limit, and if the transferee’s use would exceed the transferred Tier it must upgrade.

20.3 Us. We may assign this Agreement to a successor to substantially all of our business or assets.

21. Changes to these terms

We may change these terms for future purchases at any time by publishing the revised version. A change does not affect a Release you have already purchased, which remains governed by the version of this Agreement you accepted and by the LICENSE.txt delivered with it. If you purchase an updated Release, the version of this Agreement then published governs that Release.

22. Governing law and disputes

22.1 Governing law. Arizona law governs this Agreement, without regard to conflict-of-laws rules.

22.2 Talk to us first. Before starting any proceeding, you will notify us in writing of the dispute and give us 30 days to resolve it.

22.3 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 this Agreement, and each party consents to that jurisdiction and venue.

23. General

23.1 Entire agreement. This Agreement, your LICENSE.txt, and your order confirmation are the entire agreement between us about the Suite and supersede any prior discussion, proposal, or marketing statement.

23.2 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.

23.3 Independent parties. We are independent contractors. Nothing here creates a partnership, joint venture, agency, or employment relationship, and nothing creates any relationship between you and any law firm.

23.4 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 in your order confirmation.

24. Acceptance

Assent text presented immediately above the control at checkout:

“I have read and agree to the ERISA SKILLs Suite Purchase and License Agreement and the LICENSE.txt that ships with the package. I am authorized to bind the purchasing organization. I understand that ERISA Benefits Tech is not a law firm, that no attorney reviews the Suite’s output, and that the output is not legal advice and cannot be relied on until reviewed by ERISA counsel of our own choosing.”

For an invoiced purchase:

Agreed — [Purchaser legal name]

_________________________________________

By: [name], [title] Date: __________ Tier: __________ Order / License ID: __________

_________________________________________

ERISA Benefits Tech, LLC By: [name], [title] Date: __________

25. Schedule - conforming changes to LICENSE.txt.template (EXECUTED)

ERISA SKILLs Suite
End User License

  Licensee    : {{LICENSEE}}
  License ID  : {{LICENSE_ID}}
  Tier        : {{TIER}}
  Purchased   : {{PURCHASE_DATE}}
  Release     : {{VERSION}} (content current as of {{VERSION_DATE}})
  Update term : Recommended renewal by {{RENEWAL_DATE}}

Provided by ERISA Benefits Tech, LLC.

Copyright (c) 2026 ERISA Benefits Tech, LLC. All rights reserved.

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1. WHAT YOU HAVE BOUGHT
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A perpetual, non-exclusive, non-transferable license to install and use this
release of the ERISA SKILLs Suite within the scope of your tier. This release
does not expire and does not stop working.

  Small Employer  One employer. Up to 3 named individual users.
  Enterprise      One employer. Unlimited users internal to that employer.
  Professional    One organization that provides benefits guidance to others -
                  a TPA, advisory firm, broker, or similar - for use in serving
                  that organization's own customers. Does not permit supplying
                  the files themselves to those customers.

Your tier is named above. Use beyond it requires an upgrade.

Where a tier refers to one employer or one organization, it includes the
members of that employer's or organization's controlled group and affiliated
service group, and their employee benefit plans. It does not include any other
organization.

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2. UPDATES
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ERISA guidance changes regularly and this release does not update itself. It
is current as of {{VERSION_DATE}} and will become progressively less
current from that date forward.

Updated releases are sold separately and are not included with this license.
If we publish one, the price to you is 50% of our then-published initial
license price for your tier. That half-price rate does not expire and does not
depend on how current this release is - however long you wait, you never pay
more than half the then-published initial price to move to a current release.

We recommend updating at least annually. Your current recommended renewal date
is {{RENEWAL_DATE}}. This release will continue to work after the renewal
date; it will just be stale.

We do not commit to producing any updated release, or to producing one on any
schedule. If we do not, your license to this release is unaffected.

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3. WHAT YOU MAY NOT DO
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  - Redistribute, resell, sublicense, publish, or post the files, in whole or
    in part, including to a public or shared repository.
  - Use them outside the scope of your tier, or share them with another
    organization.
  - Remove, alter, or suppress the AI-output labels, the identification block,
    or the response footer.
  - Create a derivative product for distribution from this content.
  - Use this content to train or fine-tune any artificial-intelligence model.

You may transfer this license to a person that acquires all or substantially
all of your business or assets, on written notice to us, if that person agrees
to these terms and no copy stays behind. A transfer does not enlarge your tier.

Each copy is individually identified. The License ID above appears in the
footer of responses this Suite produces, and the copy carries further
identifying characteristics that are not visible on inspection.

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4. THIS IS NOT LEGAL ADVICE, AND WE ARE NOT YOUR LAWYERS
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ERISA Benefits Tech, LLC is not a law firm. It does not practice law, does not
represent you, and no attorney-client relationship arises from your purchase or
use of this Suite.

Output from these skills is generated by an AI model and is unreviewed by
definition: no attorney reviews it before you see it. It is not legal advice
and must not be relied on, acted on, communicated as a position, or used to
commit a plan or a plan sponsor, employer or anyone else until it has been
reviewed by competent ERISA counsel of your own choosing. Selecting that
counsel is your decision.

ERISA Benefits Tech, LLC 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 your purchase. That firm is not a
party to this license, does not represent you, does not review any output, and
is not available to you because you bought this Suite. This Suite names no law
firm and refers you to counsel only generically.

The Suite is a research and drafting aid. Responsibility for every plan
decision remains with the plan sponsor, the plan administrator, and the named
fiduciaries, and nothing in this Suite relieves any of them of a duty they owe
under ERISA or the Internal Revenue Code.

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5. STATE LAW
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This Suite addresses ERISA and other federal law. Where it discusses state law,
its examples are Arizona-based and are illustrative only - included to show the
kind of state law that bears on a question, not to state the law that governs
you.

It does not state, and must not be read as stating, the law of any state other
than Arizona, and it will not reason from an Arizona rule by analogy to another
state's rule. If your question turns on the law of a state, it is outside what
this Suite can tell you and belongs with counsel licensed in that state.

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6. NO WARRANTY
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The Suite is provided "as is," without warranty of any kind, express or
implied, including any warranty of merchantability, fitness for a particular
purpose, accuracy, or currency of legal content. ERISA Benefits Tech, LLC does
not warrant that the content is complete, current, or correct for your facts.

To the maximum extent permitted by law, ERISA Benefits Tech, LLC's total
liability arising out of or relating to this license is limited to the amount
you paid for it, and it is not liable for any indirect, incidental,
consequential, special, or punitive damages, or for any plan disqualification,
excise tax, penalty, correction cost, or lost benefit, however caused.

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7. TERMINATION
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This license terminates automatically if you breach section 3. On termination
you must stop using the Suite and delete all copies.

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8. CONTACT
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Questions about scope, upgrades, additional seats, or renewals:
ERISA Benefits Tech, LLC.
PO Box 41283
Tucson, AZ 85717
hello@erisabenefitstech.com

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9. THE FULL TERMS
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These are the license terms for this copy. The full agreement you accepted when
you bought it - covering payment, delivery, refunds, installation support, your
platform account, and how disputes are handled - is the ERISA SKILLs Suite
Purchase and License Agreement, which was emailed to you with your order and is
published at erisabenefitstech.com/terms.

This file governs the scope of your license and the restrictions on your use.
That Agreement governs everything else. Arizona law governs both.

Retain this file. It is the record of your license terms that travels with the
package.

SHORT-FORM AFFILIATED-ENTITY DISCLOSURE AND CONSENT

ERISA SKILLs SUITE

(Arizona Rule of Professional Conduct, ER 1.8(a))

Part A — Disclosure (buyer-facing text)

Who sells this, and who profits from it

The ERISA SKILLs Suite is sold by ERISA Benefits Tech, LLC, an Arizona limited liability company. Its members are the professional entities of the two partners of ERISA Benefits Law Group, PLLC, an Arizona law firm. Those two lawyers profit from your purchase. The firm also uses AI skills that ERISA Benefits Tech builds and maintains for the firm’s own practice, without charge, so the firm’s stake in ERISA Benefits Tech is not only financial. We are telling you all of this before you buy, and if you are a client of the firm we are asking you to acknowledge it.

This is technology. It is not legal services, and no one reviews it.

ERISA Benefits Tech is not a law firm. It does not practice law and it does not represent you. Buying the Suite does not create an attorney-client relationship with ERISA Benefits Tech or with ERISA Benefits Law Group.

The Suite’s output is generated by an AI model and is unreviewed by definition — no attorney sees it before you do. Neither ERISA Benefits Tech nor ERISA Benefits Law Group has agreed to review anything the Suite produces for you, and buying the Suite does not give you a right to ask for that review. The Suite is a research and drafting aid. It is not a substitute for legal advice and it does not reduce your need for competent ERISA counsel of your own choosing.

If you are already a client of the firm

Your existing representation is unaffected by this purchase. The purchase is not part of it, is not billed as legal services, and does not expand or extend it. The firm is not advising you on whether to buy the Suite, is not acting as your disinterested adviser on that decision, and is not representing you in this transaction. That decision is yours, and you are advised of the desirability of seeking — and are free to take the time to seek — the advice of independent counsel about it before you buy.

The terms are published and uniform

The price, the license tiers, and the terms of sale are published, are the same for every purchaser at the same tier, and are not negotiated individually. No term is more favorable to us, or less favorable to you, because you are a client of the firm. The full terms are the purchase terms on this page and the LICENSE.txt file included in the package, both of which you can read before you buy.

One question the firm will not answer for you

If a question later arises whether the Suite was adequate, whether its content was correct or current, or whether your reliance on its output was reasonable, ERISA Benefits Law Group will not advise you on that question. It will tell you so and will help you arrange independent counsel for it. Apart from that, if you are a client of the firm, you consent to the firm continuing to represent you on matters in which you have used the Suite, notwithstanding the partners’ financial interest in it — and you may withdraw that consent as to any specific matter at any time.

Not payable from plan assets

The purchase price and any renewal charge are payable only from your organization’s own operating funds. No part of them may be paid, directly or indirectly, from the assets of any employee benefit plan, and you will not seek reimbursement of them from any plan or its assets.

Part B — Consent and record

Assent statement presented immediately above the control:

“I have read the disclosure above. I understand that ERISA Benefits Tech, LLC is owned by the partners of ERISA Benefits Law Group, PLLC and that they profit from this purchase; that the Suite is technology and not legal services; that no attorney reviews its output; and that neither entity is advising me on whether to buy it. If my organization is a current client of ERISA Benefits Law Group, PLLC, I consent to this transaction and to the firm’s role as described, and I confirm the consent described above.”

Record captured with the assent:

Full name and title of the individual assenting

Purchasing organization’s legal name

Email address

Date and time, and the IP address of the assent

Order number, tier, and License ID issued

The version identifier of the disclosure text displayed

The record is retained with the order and is available to the purchaser on request. A copy of the disclosure as displayed, together with the assent record, is emailed to the purchaser with the package.

Part C — Countersignable version

Where a papered signature is preferred — including any purchase invoiced rather than transacted online, and any purchase by a client for whom the Firm wants a wet or e-signed record — Part A is reproduced without change above the block below, and the assent control is not used.

Acknowledged and consented — [Purchaser legal name]

_________________________________________

By: [name], [title] Date: __________

Order / License ID: __________________

Acknowledged — ERISA Benefits Law Group, PLLC

_________________________________________

By: [attorney] Date: __________

ACCOUNT AND REGISTRATION TERMS

erisabenefitstech.com

ERISA Benefits Tech, LLC - published standard terms

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 FREE TRAINING IS LIMITED TO ONE HUNDRED DOLLARS, 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."