Terms of service

Introduction

The following terms and conditions govern your use of https://www.claimwithconfidence.com and https://www.calculatemybenefits.com. Your use of the website and Content (defined below) constitutes your acceptance of these terms and conditions. If you do not agree with these terms and conditions, you should immediately cease use of this website and Content.

This website presents information and content that is owned or licensed by Filtech LLC, a Limited Liability Company registered in New York (“Filtech”). When used in these Terms and Conditions, “we” and “our” mean Filtech and “you” and “your” refers to any individual, company, or legal entity that accesses or otherwise uses this website.

Additional Terms

Filtech offers products and services available through sections of this website, including but not limited to books, the Social Security Calculator, and consulting. These terms and conditions apply to your use of this website and Content. We may have established or will establish additional or different terms and conditions for certain products and services. You agree to review all applicable terms and conditions relating to the products and services. In the event of any conflict between the terms and conditions on this website and such additional terms and conditions, the additional terms and conditions govern and control.

Do Not Rely on This Website for Your Financial Decisions

The Content on this website is for convenience and informational purposes only. You should consult your financial and legal advisors, and independently verify all Content provided through this website before you make decisions. Nothing on this website constitutes an offer to sell or buy any investment product. Nothing on this website should be construed as rendering tax, legal, investment, or accounting advice. 

Ownership and Use of Content

All of the information and content on this website, including, but not limited to, all text, analyses, reports, articles, graphics, software applications, video and audio files and photos, (“Content”) is owned or licensed by Filtech. The Content is protected worldwide by applicable intellectual property laws. You may make and use printouts of the Content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark, and other proprietary notices. Filtech reserves the right to terminate at any time your right to make personal copies of Content. You may not copy, transmit, distribute, modify, publicly perform, reuse, sell or display any of the Content for any public or commercial purpose except with the prior written consent of Filtech or the owners of the materials, which they may issue in their sole discretion. You may not use the Content in any other website or in a network computer environment, including framing the Content within another website. Except for the limited use rights expressly provided in this paragraph, all rights in Content are reserved.

Notice and Procedure for Making Claims of Copyright Infringement

Filtech respects the intellectual property rights of others and expects its users to do the same. Filtech prohibits copyright infringing activities on Filtech owned and operated websites and reserves the right to remove or disable access to files or links to allegedly infringing material without prior notice. Filtech responds to notices of alleged copyright infringement in accordance with the Digital Millennium Copyright Act (DMCA) and other applicable laws.

Filtech will respond expeditiously to Notices of alleged copyright infringement on Filtech websites that are reported to Brian Doherty, email address: brianp57@aol.com. Filtech will follow the procedures provided in the DMCA, including expeditiously removing or disabling access to infringing material.  The DMCA sets forth a notice and takedown procedure, subject to the alleged infringer’s right to submit a counter-notification claiming lawful use of the copyright or other intellectual property interest that is allegedly infringed.

Any information or correspondence that you provide may be shared with third parties. Please note that Section 512(f) of the Digital Millennium Copyright Act may impose liability for damages on any person who knowingly sends meritless notices of infringement.

Links

Links from this site to a non-Filtech site may be provided for the user’s convenience only. Filtech does not control or review these third-party sites nor does the provision of a link imply any endorsement of or association with such non-Filtech sites. Your linking to any websites from this website is at your own risk. Subject to the terms of applicable service or other agreements, we will remove any link from this website upon request from the owner of the linked website. Please contact Brian Doherty, email address: brianp57@aol.com to submit such a request.

Warranty Disclaimer

We strive to provide accurate and up-to-date material on this website. However, we make no warranties or representations as to the accuracy or timeliness of the Content. Your use of this website and Content is at your own risk. Content may become inaccurate as a result of developments after its publication on this website. Filtech assumes no responsibility to keep Content current or to correct inaccuracies or errors in Content. The Content on this website and the operation of it are provided “as is” and for informational purposes only, and Filtech disclaims all representations or warranties of any kind, either express or implied, including warranties of merchantability, fitness for particular purpose, title, non-infringement, accuracy, completeness, and timeliness. Certain jurisdictions may not permit certain disclaimers of warranties. In such a case, we disclaim warranties to the fullest extent permitted by the applicable law.

Your Responsibility for Security

Filtech does not warrant that the website will operate error free or is free from viruses, worms, Trojan horses, or other destructive or harmful code. Filtech assumes no liability or responsibility for any damage to you, your computer, or other property due to your access to, use of, or downloading of Content. If you download or copy Content from this website, you are responsible for taking all reasonable precautions necessary to ensure the security and integrity of your computer and systems, including employing current virus protection software.
LIMITATION OF LIABILITY. In no event shall Filtech or any other party involved in creating, producing, or delivering this website or Content on Filtech’s behalf be liable for any direct, incidental, special, consequential, indirect, lost profits, loss of business or data, or punitive damages arising out of your access to, or use of, or inability to access or use, this website or any Content, or the performance of any product on this website.

Changes

Filtech reserves the right to change the Content on this website and these Terms and Conditions from time to time at any time without prior notice. The changes may include superseding terms and conditions or specific notices. You should review these terms and conditions from time to time to be aware of any changes that are made. Your continued use of this website constitutes your acceptance of any change or update, all of which shall become controlling when posted.

Children

This website does not intend to market any Filtech products or services to children under eighteen (18) years of age. Filtech does not knowingly gather or solicit data from children under eighteen (18) years of age through this website for marketing purposes. By using this website you represent that you are not under eighteen (18) years of age.

Governing Law

These Terms and Conditions shall be governed by, and construed in accordance with, the laws of the United States and the State of New York, without giving effect to conflict of law principles thereof.

United States Only

The services and products described and information provided through this website are directed to and are intended to be made available only to persons in the United States and are not intended for distribution to, or use by, any person in any other country or any jurisdiction where such distribution or use would be contrary to law or regulation or that would subject Filtech to any registration requirement within such jurisdiction or country. Materials from this website may be subject to export controls imposed by the United States and may not be downloaded or otherwise exported to any country or anyone prohibited by law.

Termination

Filtech reserves the right in its sole discretion to terminate or restrict your use of all or any part of the website, without notice, for any or no reason, and without liability to you or anyone else. The Terms and Conditions relating to Ownership and Use of Content, Indemnification, Limitation of Liability, Warranty Disclaimer, and Governing Law shall survive any termination.