Legal Notice

Advise & Monitor Financial is not a tax advisor and should not be construed to be such.
This website is provided at no cost, and expressly information purposes. It is intended to simplify your 401k related federal reporting. In addition, it points out where within your 401k software you can find certain requested information. This website is not intended to be a step-by-step instruction manual on completing your 401k related federal reporting materials, nor is it meant to replace information and advice from your tax advisor, or the instructions published by the IRS. Furthermore, this website does not address any state 401k related regulations or reporting requirements, which in some cases differ from their federal counterparts. You or your tax advisor should check with your state's tax agency regarding its 401k regulations and reporting requirements.

General Comments
While Advise & Monitor Financial offers website users information to help them make decisions about the variable aspects of their 401k plans, Advise & Monitor Financial is not a financial advisor and should not be considered as such. Companies are strongly advised to consult with a professional tax and/or investment advisor before establishing a company 401k -- or any other retirement savings plan, for that matter. All of the information in this website is for informational purposes only. All viewers agree to these provisions in viewing any of the information in this website.

Regarding Trademarks, Patents, and Copyright
The software is both patented and patent pending in the United States and Canada. Easytec Systems, 401(k) Pro, 401(k) Easy, and 401(k) Easy Pro, Advisors 401(k), Run-It-Yourself, Payroll IRA Easy, 401(k) E Z, Pension Motor Corporation, Quik-Tab 401(k), Pension Service Associates, 403(b) Easy, 401k Easy Online, Easytec Systems, Advise & Monitor Financial and Pentec, Inc. are Registered Trademarks.

Advise & Monitor Financial claims copyright and trademark protection for all Software and copyright for all Publications and Videos. Should the End-User License Agreement be terminated for any reason, the right of User to use Advise & Monitor Financial-supplied Software, Publications and Support shall be revoked. Unauthorized use of Software and/or Publications constitutes copyright infringement, subjecting violator(s) to both civil and criminal penalties under federal law. This website and all Advise & Monitor Financial software, publications and videos are protected by claim of copyright.

Regarding Warranties
All material is provided "as is"" without any expressed or implied warranty of any kind, including warranties of merchantability, non infringement, of intellectual property or fitness for a particular purpose. In no event shall Advise & Monitor Financial or its affiliated companies be liable for any damages whatsoever (including, without limitation, damages for loss of profits, business interruption and/or loss of information) arising out of the use of or inability to use the materials, even if Advise & Monitor Financial has been advised of the possibility of such damages; because some jurisdictions prohibit the exclusion or limitation of liability for consequential or incidental damages; such a limitation may not apply to you.

Advise & Monitor Financial has no duty to determine or advise User of the investment, tax or other consequences resulting from User's own actions or inactions involving User's company's qualified plan(s). Advise & Monitor Financial is not responsible or liable for the investment, tax or other consequences resulting from any of User actions, or from Advise & Monitor Financial's actions in following any of User's directions or from Advise & Monitor Financial's inaction in the absence of any directions from User.

Regarding Applicable Laws
This website is controlled andoperated by Advise & Monitor Financial from its central office, which is in Los Angeles, CA, U.S.A. Advise & Monitor Financial makes no representation that information (text and/or graphic) in the site is appropriate or available for use in other locations; access to the site from territories where the site's contents is illegal is prohibited.

Regarding This Website and Sites Linked to It
The information contained in this website is the property of Advise & Monitor Financial and is protected by copyright. In viewing any part of this website (in any form) or either the demo or full version of the actual 401(k) software, viewers agree not to copy, reproduce, retransmit, disseminate, sell, distribute, publish, broadcast, circulate, commercially exploit, modify or post the information in any way without the express written consent of Advise & Monitor Financial Viewers furthermore agree not to use the information, in whole or in part, for any unlawful purpose, and to comply with reasonable written requests by Advise & Monitor Financial to protect our contractual, statutory and common law rights in the information and services contained in this website.

When you access a non-Advise & Monitor Financial website, please understand that it is independent from Advise & Monitor Financial and that Advise & Monitor Financial has no control over the content on that website. In addition, a link to a non-Advise & Monitor Financial website does not mean that Advise & Monitor Financial endorses or accepts any responsibility for the content or use of such a site. It is up to you to take precautions to ensure that whatever you select for your use is free of such destructive items as viruses. IN NO EVENT WILL ADVISE & MONITOR FINANCIAL BE LIABLE TO ANY PARTY OR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS WEBSITE OR ON ANY OTHER LINKED WEBSITE INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOU INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Regarding Personal and/or Company Information You Transmit (by any means)
Informationwe request from you is designed to help us serve your needs. Advise & Monitor Financial does not provide any personally identifying information submitted to us (via e-mail or any other means) to any third party. You can help us maintain the accuracy of your information by notifying us if there are any changes in your company's address, contact personnel, company phone number, e-mail address, etc.

General Information... Matters Outside the Responsibility of Advise & Monitor Financial
Advise & Monitor Financial has no duty to perform any action and no duty to determine or advise User of the investment, tax or other consequences resulting from User's own actions or inactions involving User's company's qualified plan(s). Advise & Monitor Financial is not responsible or liable for the investment, tax or other consequences resulting from any of User actions, or from Advise & Monitor Financial's actions in following any of User's directions or from Advise & Monitor Financial's inaction in the absence of any directions from User.

Patent & Trademark Protection
The Software is both patented and patent pending in the United States and Canada. Advise & Monitor Financial, Advise & Monitor Financial, 401(k) Easy, and 401(k) Easy Pro, Advisors 401(k), Run-It-Yourself, Payroll IRA Easy, 401(k) E Z, Pension Motor Corporation, Quik-Tab 401(k), Pension Service Associates, 403(b) Easy, and Pentec, Inc. are Registered Trademarks. Copyright Protection & Limitation of Use The Software, Publications and Support are provided by Advise & Monitor Financial for User's exclusive use pursuant to the terms of terms in the Advise & Monitor Financial. Advise & Monitor Financial claims patent, copyright and trademark protection for all Software and copyright for all Publications and Videos. Should the End-User License Agreement be terminated for any reason, the right of User to use Advise & Monitor Financial-supplied Software, Publications and Support shall be revoked. Unauthorized use of Software and/or Publications constitutes copyright infringement, subjecting violator(s) to both civil and criminal penalties under federal law.

Disclaimer of Warranties
EXCEPT FOR THE FOREGOING LIMITED WARRANTY, THE SOFTWARE AND WEBSITE IS PROVIDED "AS IS." THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE SOFTWARE IS WITH USER. 401K-NETWORK, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DISCLAIMS ALL OTHER REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE SOFTWARE, INCLUDING ITS FITNESS FOR A PARTICULAR PURPOSE, QUALITY, ACCURACY, MERCHANTABILITY AND NON-INFRINGEMENT. 401K-NETWORK DOES NOT REPRESENT OR WARRANT THAT THE SOFTWARE IS FREE FROM BUGS, ERRORS OR OTHER PROGRAM LIMITATIONS. Advise & Monitor Financial has no control over User's use of the Software, and Advise & Monitor Financial does not and cannot warrant the performance or results that may be obtained by its use. Advise & Monitor Financial does not represent, warrant, or guarantee the accuracy and timeliness of the data or information contained in the Software and shall have no liability of any kind whatsoever to User, or to any other party, on account of any inaccuracies in or untimeliness of the data or information. Nor does Advise & Monitor Financial have any obligations to User to correct such data or information or any errors contained in the Software. Various information in the Software constantly changes, and the information may not be current or accurate. The Software should not be used without confirming research from other sources, obtaining up-to-date information, and separate analysis by the User of his or her own particular investment or tax situation or record keeping application. The Software does not recommend or endorse any specific investment or any particular mutual fund, nor does the Software offer specific tax, legal or investment advice or strategies. Advise & Monitor Financial is not a financial advisor and should not be considered as such. User is strongly advised to consult with a professional tax and/or investment advisor before establishing or investing on behalf of a 401(k) or any other retirement savings plan. Some states do not allow the exclusion of implied warranties, so the above exclusions may not apply to User. In that event, any implied warranties are limited in duration to ten (10) days from the date of purchase of the Software. However, some states do not allow a limitation on how long an implied warranty lasts, so the above limitation may not apply to User.

Limitation of Liability & Damages
IN NO EVENT SHALL ADVISE & MONITOR FINANCIAL, ITS SUPPLIERS OR ITS DISTRIBUTORS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGE, INCLUDING WITHOUT LIMITATION, LOSS OF DATA, LOST PROFITS OR COST OF COVER ARISING FROM THE USE OF THE SOFTWARE OR ANY DEFECT IN THE SOFTWARE, HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY. THIS LIMITATION SHALL APPLY EVEN IF ADVISE & MONITOR FINANCIAL, ITS SUPPLIERS OR ITS DISTRIBUTOR SHALL HAVE BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGE. IN PARTICULAR, BUT WITHOUT LIMITATION, ADVISE & MONITOR FINANCIAL, ITS SUPPLIERS AND ITS DISTRIBUTORS SHALL HAVE NO LIABILITY FOR THE LOSS OF ANY INFORMATION STORED IN OR USED WITH THE SOFTWARE. THE MAXIMUM AGGREGATE LIABILITY OF ADVISE & MONITOR FINANCIAL AND ITS SUPPLIERS FOR ANY CLAIM ARISING OUT OF USE OF THE SOFTWARE OR ANY DEFECT IN THE SOFTWARE, ON ANY AND ALL THEORIES OF LIABILITY, INCLUDING WITHOUT LIMITATION NEGLIGENCE BY ADVISE & MONITOR FINANCIAL, SHALL IN ALL EVENTS BE LIMITED TO RETURN OF THE AMOUNTS ACTUALLY PAID AS THE CURRENT YEAR'S LICENSE FEES.

Mediation & Arbitration
If a dispute (excluding copyright, patent, or trademark, or other intellectual rights infringement claims) arises from or relates to this Agreement or the breach thereof, and if the dispute cannot be settled through direct discussions, the parties agree to endeavor first to settle the dispute by mediation in Los Angeles, California, administered by the American Arbitration Association under its Commercial Mediation Rules before resorting to arbitration. Any unresolved controversy or claim (excluding copyright, patent, or trademark infringement claims) arising under this Agreement or its breach, including but not limited to any controversy concerning the meaning or interpretation of any provision of this Agreement or controversies arising from possible errors or omissions on the part of Advise & Monitor Financial or its agents or suppliers shall be decided by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The place of arbitration shall be Los Angeles, California. Any such controversy or claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. Claims of copyright, trademark and patent infringement shall be excluded from arbitration. Consistent with the expedited nature of arbitration, each party will, upon the written request of the other party, promptly provide the other with copies of documents relevant to the issues raised by any claim or counterclaim on which the producing party may rely in support of or in opposition to any claim or defense. Any dispute regarding discovery, or the relevance or scope thereof, shall be determined by the arbitrator(s), which determination shall be conclusive. The arbitrator(s) shall not award consequential damages in any arbitration initiated under this section, nor shall the arbitrator(s) be empowered to issue an award of exemplary or punitive damages. The arbitrator(s) may determine how the costs and expenses of the arbitration shall be allocated between the parties, but they shall not award attorneys' fees. The award shall be in writing, shall be signed by a majority of the arbitrators, and shall include a statement regarding the reasons for the disposition of any claim. Except as may be required by law, neither a party nor an arbitrator may disclose the existence, content, or results of any arbitration hereunder without the prior written consent of both parties.

Advise & Monitor Financial Privacy Pledge
At Advise & Monitor Financial the interests of our clients always come first. As part of our firm's long tradition of trust, the confidentiality of client information has been and will continue to be paramount. We maintain high standards to safeguard your personal financial information at all times, and we will remain vigilant in protecting that information. We collect personal financial information to operate prudently and to meet legal and regulatory requirements. We never rent or sell your name or other personal financial information. We will only share certain information with companies not in our corporate family ("nonaffiliated third parties") as permitted by law for the purpose of servicing your financial needs. The recipients of that information are required to protect the confidentiality and security of that information and may not reuse it for any other purpose.