for the 401(k) Easy run-it-yourself 401k website
While Pension Systems Corporation offers 401(k) Easy clients information to help them make informed decisions about the variable aspects of their 401k plans, Pension Systems Corporation 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 401(k) Easy software is both patented (US Patent 6041313) and patent pending in the United States and Canada. Pension Systems Corporation, 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 Systems Corporation, 403(b) Easy, and Pentec, Inc. are Registered Trademarks.
The Software, Publications and Support are provided by Pension Systems Corporation
for Licensee's exclusive use pursuant to
the terms of terms in the Pension Systems Corporation End-User License Agreement.
Pension Systems Corporation 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 Licensee to use
Pension Systems Corporation-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 Pension Systemss Corporation software, publications and videos are protected by claim of copyright.
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. The 60-day money-back guarantee on the 401(k) Easy system does not apply to one-time setup costs.
In no event shall Pension Systems Corporation 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 Pension Systems Corporation 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.
Pension Systems Corporation has no duty to perform any action other than those specified in Pension Systems Corporation End-User License Agreement. Pension Systems Corporation has no duty to determine or advise Licensee of the investment, tax or other consequences resulting from Licensee's own actions or inactions involving Licensee's company's qualified plan(s). Pension Systems Corporation is not responsible or liable for the investment, tax or other consequences resulting from any of Licensee actions, or from Pension Systems Corporation's actions in following any of Licensee's directions or from Pension Systems Corporation's inaction in the absence of any directions from Licensee.
Regarding Applicable Laws...
This website is controlled and operated by Pension Systems Corporation from its central office, which is in Los Angeles, CA, U.S.A. Pension Systems Corporation 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 Pension Systems Corporation 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) Easy 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 Pension Systems Corporation 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 Pension Systems Corporation to protect our contractual, statutory and common law rights in the information and services contained in this website.
Regarding Personal and/or Company Information You Transmit (by any means)...
Information we request from you is designed to help us serve your needs. Pension Systems Corporation 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.
Regarding Mutual Funds, Self-directed Brokerage Accounts, Investing, and NASD License Information...
Pension Systems Corporation does not endorse any mutual fund company, nor does mention of any mutual fund company name imply that company's endorsement of Pension Systems Corporation or 401(k) Easy (TM). Some mutual fund companies listed in this website may not accept 401(k) purchases from the 401(k) Easy system.
Pension Systems Corporation does not recommend any investment advisory service or product, nor does it offer any advise regarding the nature, potential value or suitability of any particular security transaction or investment strategy.
Mutual fund companies open and close portfolios all the time, often without warning. While we do our best to keep our fund family listings up to date, we cannot guarantee that any listing is totally current.
Material presented in this website is for information purposes only; it does not imply an endorsement of any investments mentioned nor of any particular investment mix.
No offer of solicitation to buy or sell any of the securities listed in this website is being made by Pension Systems Corporation, and there is no guarantee, either stated or implied, that any investments listed will perform as successfully in future years as they may have in past years.
Neither Pension Systems Corporation nor any of the information contained in this website is intending to supply investment, tax, or legal advice.
Investing always involves a degree of risk. The wise investor assesses the risk-reward relationship before investing or allocating funds, an assessment that involves reviewing fund prospectuses. It is strongly recommended that investors read the mutual fund prospectuses for relevant investments before making any investment selections. Prospectuses are available from Pension Systems Corporation Securities Corporation (818-501-4015), any other N.A.S.D. Broker-Dealer, or from the mutual fund companies themselves; mutual fund company telephone numbers are provided with their investment listings.
As stated above, investing always involves a degree of risk. You agree in viewing this website or any of its information to defend, indemnify and hold harmless Pension Systems Corporation, Pension Systems Corporation Securities, their information providers and information transmitter from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorney's fees) arising from your violation of the below End-User License Agreement or of any third-party's rights, including but not limited to infringement of any privacy rights.
An N.A.S.D. Broker-Dealer, Registered Investment Advisor, BD agent or IA rep may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if they are excluded or exempted from the state's broker-dealer, investment advisor, BD agent or IA rep requirements, as the case may be. Some states allow NASD-Registered Broker-Dealers to perform a limited number of transactions without state registration.
Follow-up, individualized responses to consumers in a particular state by a broker-dealer, investment advisor, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's broker-dealer, investment advisor, BD agent or IA rep requirements, or pursuant to an applicable state exemption or exclusion.
If an investment advisor is registered with the SEC, states may not require registration, licensing, or qualification of the investment advisor or his or her supervised persons, except that states may license, register or otherwise qualify IA reps who have a place of business located within the state.
If an investment advisor does not qualify for SEC registration, in most states his or her actions are governed by state laws. State registration authority is limited, however, by a national de minimis standard that prohibits the laws of any state requiring registration, licensing or qualification as an investment advisor if the advisor does not have a place of business located in the state and during the prior 12 months had five or fewer clients residing in the state.
Federal and state securities laws are designed to ensure that, prior to any direct communication between a broker-dealer or investment advisor and a prospective client residing in a particular state, the broker-dealer or investment advisor must first be registered in the state, or must qualify for an exemption from such requirement.
Internet communications of regulated investments must contain a mechanism, including and without limitation, technical "firewalls" or other implemented policies and procedures, designed reasonably to ensure that prior to any subsequent, direct communication with prospective customers or clients in any state, said broker-dealer, investment adviser, BD agent or IA rep is first registered in the state or qualifies for an exemption or exclusion from such requirement. Nothing in this paragraph shall be construed to relieve a state registered broker-dealer, investment advisor, BD agent or IA rep from any applicable securities registration requirement in any state;
Internet communications cannot involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as may be, in any state over the Internet, but is limited to the dissemination of general information on products and services.
For information concerning the licensure status or disciplinary history of a broker-dealer, investment advisor, BD agent or IA rep, a consumer should contact his or her state securities law administrator or the N.A.S.D. at 800-289-9999 or through www.nasd.com (click on Investor Services, then About Your Broker, then The NASD Public Disclosure Program).
Matters Outside the Responsibility of Pension Systems Corporation
Patent & Trademark Protection
Copyright Protection & Limitation of Use
Regional Prototype Plan & Adoption Agreement
1. Licensee cannot make any modifications or changes to the text of the Regional Prototype Plan or the Adoption Agreement.
2. Licensee must notify Pension Systems Corporation in writing of any changes to the options selected in the Adoption Agreement.
3. If Pension Systems Corporation terminates the Pension Systems Corporation End-User License Agreement or Licensee fails to renew license for Software, Publications and Support, Licensee's plan will be treated as an individually designed plan if the Licensee is continuing to maintain it and has not replaced it with another Regional Prototype Plan.
Trade Secret Protection & Limitation of Use
(a) information and materials relating to Pension Systems Corporation's accounting, allocating and processing
(b) marketing, cost, pricing information and customer lists. Employer shall make use of Pension Systems Corporation's trade secrets only for the purposes specified and described in the Pension Systems Corporation End-User License Agreement. In consideration of Pension Systems Corporation's disclosure of its trade secrets to Licensee, Licensee agrees to treat Pension Systems Corporation's trade secrets with the same degree of care and safeguards taken with his or her own trade secrets, but in no event less than a reasonable degree of care. Licensee agrees that without Pension Systems Corporation's prior written consent,
Licensee will not:
(a) disclose Pension Systems Corporation's trade secrets to any third party,
(b) make or permit to be made copies or other reproductions of Pension Systems Corporation trade secrets, or
(c) make any commercial use of Pension Systems Corporation trade secrets.
Licensee will not disclose Pension Systems Corporation's trade secrets to employees, agents or consultants unless they have the need to know the information in connection with their employment or consultant duties and they personally agree in writing to be bound by the terms of the Pension Systems Corporation End-User License Agreement.
Injunction Relief: Licensee acknowledges that the Software contains proprietary trade secrets of Pension Systems Corporation and hereby agrees to maintain the confidentiality of the Software using at least as great a degree of care as Licensee uses to maintain the confidentiality of Licensee's own most confidential information. Licensee acknowledges that the disclosure of any aspect of the Software, of any other confidential information referred to herein, or of any information which, at law or in equity ought to remain confidential, will immediately give rise to continuing irreparable injury to Pension Systems Corporation inadequately compensable in damages at law. Accordingly, Pension Systems Corporation may immediately terminate the Pension Systems Corporation End-User License Agreement, including all license rights granted therein, in the event Licensee breaches any of its material confidentiality obligations regarding the Software, Publications and Support. In addition, Pension Systems Corporation is entitled to obtain immediate injunctive relief against the breach or threatened breach of any of the foregoing undertakings, in addition to any other legal remedies which may be available and Licensee hereby consents to the obtaining of such injunctive relief.
User License Agreement For Web-Based Services (Updated 01/01/2016)
401k Easy (hereinafter "401K PROVIDER") and its successors agrees to license a web-based version of its 401k software and related services, any updates or modifications it provides, and associated documentation (herein collectively referred to as the "Software") to you (hereinafter "Licensee") pursuant to the below terms and conditions. Do not order or use the web-based version of the Software until you have carefully read the following terms. By ordering or using the web-based version of the Software, you agree to be bound by the terms and conditions of this end user license agreement (the "Agreement").
License Restrictions for Web-Based Software
License Restrictions for "Full-Service" Plans
Fees for Services and Products
Plan Termination and Service Termination Fees for Web-Based System.
Prototype Plan Documents
Patents, Trademarks and Copyrights
The Software includes technology protected by US Patent Number 6041313, plus additional US Patents Pending. 401K PROVIDER claims copyright and trademark protection for all Software and copyright for all Publications and Videos. Should this Agreement be terminated for any reason, the right of Licensee to use 401K PROVIDER-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.
Non-Deposit Investment Products
Investment Performance/Rates of Returns
Calculators and Financial Planning Tools
Unitized Account Management (UAM)
Disclaimer of Warranties
Except for the foregoing limited warranty, the Software is provided "AS IS." The entire risk as to the quality and performance of the Software is with Licensee. 401K PROVIDER, 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 PROVIDER does not represent or warrant that the Software is free from bugs, errors or other program limitations.
Limitation of Liability & Damages
U.S. Government Restricted Rights
Payment of Invoices
Effective Term of Agreement
Promotion & Marketing
Mediation & Arbitration
Assignment and Successors
Severability and Counterparts
Our Privacy Pledge
The interests of our clients are always given top priority. 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.
Questions and Answers about Our Privacy Practices.
Firstly, people. We restrict access to your personal financial information to personnel who need that information to provide you with our products and services. Our employee communications also reinforce our privacy policies.
What information do we collect from and about clients?
We must obtain certain information to meet legal and regulatory requirements; exactly what depends on the nature of the client's relationship with us. In all cases, we collect only personal financial information that is either required or necessary to provide personalized financial services to the client. We may obtain information about each client -- name, address, Social Security number, telephone number, income, etc. -- from our order forms and applications. We may collect information about clients' financial transactions -- securities bought and sold, checking transactions, fund transfers, etc. -- through companies in our corporate family ("affiliates"). We may also obtain information about clients from third parties, such as a consumer report from a consumer reporting agency, and we may verify income, identity, or asset information.
What information do we disclose about clients to affiliates?
We may disclose some or all of a client's personal information to our corporate affiliates, including transfer agents, banks, insurance companies and agencies, trust companies, mortgage bankers, securities broker dealers, and investment advisers. We do this in order to offer each client a broad range of products and services and to comply with applicable regulations.
What information do we disclose about clients to nonaffiliated third parties?
We will, as necessary, use various services from nonaffiliated third parties. We use these external service providers for the purpose of supporting the financial products and services we provide to you. For example, we provide information to external service providers so that the client's investment account statements can be properly printed and mailed. These parties must agree to comply with stringent security and privacy policies and procedures. We may also disclose information to government agencies and regulatory organizations when permitted or required by law.
What information do we disclose about former clients and to whom?
We may disclose some or all of a former client's personal information to government agencies and self-regulatory organizations when permitted or required by law, such as when required to file abandoned property reports and to comply with subpoenas and other official governmental requests. If a former client had a loan with us, we may report the performance of that loan to consumer reporting agencies.