By accessing or using this website of Employee & Family Resources, Inc.®, you expressly agree to the terms and conditions in this document.

Use of Information and Resources
Information and resources posted on this website are for supplemental or alternative educational purposes. Information and resources posted are not to be used for diagnosis or to prescribe treatment. Always seek the advice of a competent, qualified healthcare professional when you have questions regarding a medical or mental health condition.

If medical, legal, financial or other advice or other expert assistance is required, the services of an appropriate, competent provider should be sought. Neither Employee & Family Resources nor any of its affiliates nor its Internet service providers will be held responsible for any claim resulting from the use of this site or any of its contents.

Link to Other Websites
This website provides links to other websites for your convenience. These websites are created and maintained by other organizations, not by Employee & Family Resources, Inc. Employee & Family Resources, Inc. does not warrant or endorse the content of any information provided by these websites and shall have no liability whatsoever with respect to such information.

Limitation of Liability
To the maximum extent permissible under applicable law, Employee & Family Resources, Inc., its directors, officers, employees, consultants, agents, service providers, or other representatives shall not be liable for any direct, indirect, or consequential damages or any damages of any kind or for loss or expense of any kind arising out of or resulting from access to or use of this website.

You acknowledge and agree that the limitations set forth above are elements of this agreement and the site would not be provided to you absent such limitations. Failure of Employee & Family Resources, Inc. to insist upon strict enforcement of any provision(s) of this agreement shall not be construed as a waiver of any provision or right. Your use of this site shall constitute your acceptance of all terms of this Terms of Use agreement, as revised and modified, each and every time you access this site.

Employee & Family Resources, Inc. may modify this agreement at any time. Modifications shall be effective immediately upon posting of the modified agreement.