Terms of Use

1. Who May Use the Site

The Site is intended for users in the United States who are at least 18 years old. By using the Site, you represent that you meet these requirements and that you have the legal capacity to enter into these Terms.

2. Educational and Informational Purpose

The Site is provided for general educational and informational purposes only. Nothing on the Site constitutes legal, tax, accounting, investment, insurance, or other professional advice. Reading the Site or contacting FEBA does not create an advisor-client or fiduciary relationship of any kind. For a complete description of what the Site is and is not, please review our Disclaimers.

3. The RFBS℠ Directory

The Site includes a directory of independent professionals who hold the RFBS℠ designation. Listing in the directory is not a recommendation or endorsement. Designee profiles are self-reported and may not be complete or current. You are responsible for independently verifying licenses, registrations, qualifications, fees, and any other material representation before engaging any designee. FEBA is not a party to, and is not responsible for, any agreement, advice, products, services, fees, or outcomes between you and a designee.

4. Acceptable Use

You agree not to:

• use the Site or directory data for any commercial republication, resale, redistribution, or competing directory;
• scrape, crawl, or use automated means to extract data from the Site in bulk or in a manner that imposes an unreasonable load on our infrastructure;
• use the Site to send unsolicited communications to designees, including spam, sales solicitations, or marketing offers;
• impersonate any person or entity, or misrepresent your affiliation with any person or entity;
• attempt to gain unauthorized access to the Site, its servers, or any related systems;
• interfere with or disrupt the operation, integrity, or security of the Site; or
• use the Site in violation of any applicable law, rule, or regulation.

Reasonable, non-bulk access by search-engine crawlers and accessible use by individual federal employees and prospective designees is permitted and encouraged.

5. Intellectual Property

The Site, including its design, text, graphics, logos, and software, is owned by FEBA or its licensors and is protected by intellectual-property laws. “Registered Federal Benefits Specialist℠,” “RFBS℠,” and the RFBS℠ logo are service marks of FEBA, with an intent-to-use trademark application pending. “FedEd Academy™” is a trademark of FEBA. Other trademarks referenced on the Site are the property of their respective owners.

Subject to your compliance with these Terms, FEBA grants you a limited, revocable, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes.

6. User Submissions

If you submit information to the Site — including inquiries, complaints, or other communications — you represent that the information is accurate and that you have the right to submit it. You grant FEBA a perpetual, royalty-free license to use that information for the purposes described in our Privacy Policy, including routing it to the designee you contact and administering the RFBS℠ program. You agree not to submit information that is false, defamatory, infringing, or unlawful.

7. Third-Party Sites and Services

The Site contains links to third-party websites and services, including the websites of FedEd Academy™, individual designees, and government resources. FEBA does not control and is not responsible for those third parties. Your use of any third-party site or service is governed by that third party’s terms and privacy policies.

8. Disclaimer of Warranties

The Site is provided “as is” and “as available,” without warranties of any kind, express or implied. FEBA disclaims all warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranty regarding the accuracy, reliability, currentness, or completeness of any content on the Site or any information provided by a designee. FEBA does not warrant that the Site will be uninterrupted, secure, or error-free.

9. Limitation of Liability

To the maximum extent permitted by law, FEBA and its officers, directors, employees, contractors, and affiliates will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or relating to your use of the Site, the directory, or any communication with or services from a designee, even if FEBA has been advised of the possibility of such damages. FEBA’s total aggregate liability for any claim arising out of or relating to the Site or these Terms will not exceed one hundred U.S. dollars ($100). Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions, our liability is limited to the fullest extent permitted by law.

10. Indemnification

You agree to defend, indemnify, and hold harmless FEBA and its officers, directors, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your violation of these Terms, your misuse of the Site, or your infringement of any third-party right.

11. Governing Law

These Terms and any dispute arising out of or relating to them or the Site are governed by the laws of the State of Alabama, without regard to its conflict-of-laws principles. Subject to Section 12, the state and federal courts located in Lauderdale County, Alabama have exclusive jurisdiction over any action not subject to arbitration.

12. Dispute Resolution; Binding Arbitration; Class Waiver

Please read this section carefully — it affects your legal rights.

Any dispute, claim, or controversy arising out of or relating to the Site or these Terms will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. The arbitration will be conducted in Lauderdale County, Alabama, or by video conference at the claimant’s request, by a single arbitrator. Judgment on the award may be entered in any court of competent jurisdiction.

You and FEBA each waive any right to a jury trial and any right to participate in a class action, class arbitration, or other representative proceeding. Claims must be brought in an individual capacity only.

Nothing in this section prevents either party from seeking injunctive or equitable relief in court to protect intellectual property rights or from submitting a complaint to a government agency with jurisdiction.

Opt-out. You may opt out of this arbitration provision by sending written notice to contact@registeredfederalbenefitsspecialist.com within thirty (30) days of first using the Site, stating that you opt out and providing your name and address.

13. Changes to the Site and Terms

We may modify, suspend, or discontinue the Site (in whole or in part) at any time. We may revise these Terms from time to time. The most current version will always be posted on this page. Material changes are effective when posted, and your continued use of the Site after posting constitutes acceptance of the revised Terms.

14. Termination

We may suspend or terminate your access to the Site at any time, for any reason, including violation of these Terms. Provisions that by their nature should survive termination — including intellectual property, disclaimers, limitations of liability, indemnification, and dispute resolution — survive.

15. Entire Agreement; Severability

These Terms, together with the documents they incorporate by reference (including our Disclaimers, Privacy Policy, and Code of Ethics), constitute the entire agreement between you and FEBA regarding the Site. If any provision is held to be unenforceable, the remaining provisions will remain in full force and effect.

16. Contact

Federal Employee Benefits Advocates, LLC
3295 Co Rd 47
Florence, AL 35630
contact@registeredfederalbenefitsspecialist.com