BENEFIT RESOURCE, INC. TERMS OF USE

Your access to and use of Benefit Resource, Inc. websites and brand elements are subject to the following terms and conditions.

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE:

Benefit Resource, Inc. ("BRI"), located in Rochester, New York, requires that all visitors to our site(s), defined as "BRI Site" or "BRI Sites", adhere to the following rules and regulations. By accessing BRI Sites, you indicate your acknowledgment and acceptance of these terms and conditions. BRI may revise these terms and conditions at any time by updating this posting. The term "client" refers to companies, employers or other organizations which establish a service agreement with BRI for a tax-free benefits program. The terms "you," "your" and "user" as used herein refer to all persons and entities accessing this website for any reason.

USE OF BRI SITES

BRI Sites are maintained by BRI to provide you with information about BRI's products and services and to facilitate communication regarding these. BRI Sites include, but are not limited to, www.BenefitResource.com, www.BRiWeb.com and www.BrilliantCard.com. Beniversal® and eTRAC® are registered trademarks owned and used by BRI.

Copyright of the images, text, screens, and web pages appearing at BRI Sites are owned by BRI or others as indicated. You may copy information from BRI Site for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear, on the pages copied. The information and materials may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes, except as provided in these terms and conditions without the express written permission of BRI.

This website may be used only for lawful purposes. You are prohibited from violating or attempting to violate the security of this website.

LIMITATIONS OF AVAILABILITY

Available products and services may vary by geographical area. Additionally, clients may further limit availability of products and services to Users. Users must consult plan documentation for further information and details regarding eligibility and availability of individual products and services. BRI reserves the right to determine the eligibility and availability for any product or service.

SECURE USER ACCESS

In order to use certain areas of BRI Sites, you may be asked to provide personal information or supply user credentials to log in to these areas. You are responsible for maintaining the confidentiality of your user credentials. You are responsible for all uses of your account and agree to immediately notify BRI of any unauthorized or compromised use of your account or user credentials. Please see your Cardholder Agreement for additional information regarding your rights and responsibilities regarding fraudulent use of your account.

As a user of BRI sites, you are responsible for your communications and ensuring the security of those communications. BRI will never ask you to supply secure personal information by email and cautions all users against providing secure information, including: account numbers, card numbers and social security numbers, by email unless you are using or provided with a secure transmission service or method. You understand BRI takes precautions to guard your personally identifiable information (PII) and protected health information (PHI). Please see the website's privacy statement for additional information regarding the use of your information.

LINKS TO OTHER SITES AND THIRD PARTY CONTENT

This website may contain links to third-party websites or content. These links and resources are provided for convenience and educational purposes only and to not represent BRI's endorsement of the company, site or content. Further, BRI is not responsible for the content of other sites and makes no warrantees regarding the information, products or services that may be provided.

REPRESENTATIONS AND WARRANTIES

We will use our best efforts to provide accurate and up to date information on the BRI Sites, but we make no warranties or representations as to the accuracy of the information. You agree that all access and use of BRI Sites and its contents is at your own risk. By using the BRI Sites, you acknowledge that BRI is not liable for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with your access to or use of the BRI Sites.

Any disputes arising between us regarding your use of BRI Sites shall be resolved according to the laws of the State of New York.