Terms and Conditions of Use and Disclaimer

These Terms and Conditions of Use apply to you when you view, access or otherwise use the blog located at http://the401kplanblog.blogspot.com/ (the "blog"). The blog is owned by Jason Grantz and Michael Samford, employees of Unified Trust Company, N.A. We grant you a nonexclusive, nontransferable, limited right to access, use and display the blog and the materials provided hereon, provided that you comply fully with these Terms and Conditions of Use.

Information. We provide this blog for general informational purposes only. We caution you to not consider the blog to be a substitute for obtaining advice from a licensed professional in your state. The information on the blog may be changed without notice and is not guaranteed to be complete, correct or up-to-date. While we try to revise the blog on a regular basis, it may not reflect the most current industry or legal developments. The opinions expressed at or through the blog are the opinions of the individual author(s) and may not reflect the opinions of Unified Trust Company, N.A.

Copyright Notice. All materials and software published on or used on the blog are protected by copyright, and are owned or controlled by or licensed to the authors. UNAUTHORIZED COPYING, REPRODUCTION, REPUBLISHING, UPLOADING, POSTING, TRANSMITTING OR DUPLICATING OF ANY OF THE MATERIAL IS PROHIBITED. You may download any downloadable materials displayed on the blog only for personal, noncommercial and informational purposes, provided that the documents are not modified and provided you maintain and abide by all copyright, trademark and other notices contained in such material.

Copyright Notification. The owners of this blog respect the intellectual property rights of others. Upon proper notice, the owners of this blog will remove user posted comments, posts, messages, or other submissions on or to the Blog that violate copyright law, or suspend access to the Blog (or any portion thereof) to any user who repeatedly uses the Blog in violation of copyright law.

Commercial Use of Blog Materials and Screen Shots. Reproduction, copying, or redistribution of materials on the blog for commercial purposes is prohibited without the express written permission of the owner of the blog. Any use, reproduction, or distribution of material on this blog may be subject to state and federal privacy and other laws requiring the specific written consent of the subject. To obtain permission to copy portions of this blog, please send email to michael.samford@unifiedtrust.com or jason.grantz@unifiedtrust.com, who reserves the right to refuse permission to copy, distribute, broadcast, or publish any of its copyrighted material, including text and images on the blog.

Links to Other Blogs, Websites and/or Materials. Links may appear on the blog that may be used to link to other blog(s) or websites. These links are provided solely as a courtesy to our blog visitors. The owners of this blog have no control over the linked sites or the materials, information, goods or services available or contained on these linked sites and are not responsible for and do not endorse or warrant in any way any materials, information, goods or services available through such linked sites or any privacy or other practices of such sites. If you decide to access any of the linked sites, you do so entirely at your own risk. The owners of the blog reserve the right to terminate any link at any time.

Prohibited Actions. You agree not to interrupt, or attempt to interrupt, the operation of the blog in any way. Unauthorized use or modification of any information stored on the blog may result in criminal and/or civil prosecution under Federal, State and local law. You may not use the blog for anything other than a lawful and legitimate purpose. You agree not to use the blog to carry out any unauthorized alteration of any data or information on the blog or to conduct any activity that infringes on the copyright, patent, trademark, service mark or other rights of any person or entity. You shall not restrict or inhibit any other user from using and enjoying any service conducted on the blog. We reserve the right to limit or deny your access to the blog or take other appropriate action if you violate any provision of these Terms and Conditions of Use or if you conduct any activity that violates the rights of any person or entity, or which we in our sole discretion deem unlawful, offensive, threatening, abusive or potentially harmful or malicious.

Modification of Terms and Conditions of Use. The owners of the blog reserve the right to revise these Terms and Conditions of Use at any time by updating this posting. Your continued use of the blog constitutes your agreement to comply with such revisions, so you should visit this page from time to time.

Disclaimer; Limitation of Damages. The owners of the blog expressly disclaim all liability for any viruses or other contamination of your computer system or other device used to access this blog as a result of your use of this blog, and expressly disclaims all liability for actions taken or not taken based on any or all of the contents of this blog. THE BLOG IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY, ACCURACY AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, THE OWNERS OF THE BLOG DISCLAIM ANY WARRANTY OR REPRESENTATION, EITHER EXPRESS OR IMPLIED, THAT ACCESS TO OR OPERATION OF THE BLOG WILL BE UNINTERRUPTED OR ERROR FREE.