Welcome to www.economiccheckup.org, (the “Web Site”), a web site of the National Council on Aging (“NCOA”). The Web Site is a tool to provide information and resources to the aging community in the United States, including information concerning access to benefits and community resources and discussion forums.
NCOA may provide upgrades and updates to the Web Site from time to time. Any modifications will be made in the sole discretion of NCOA without notice to you.
This Web Site and its content Web Site may not be copied, reproduced, republished, uploaded, posted, transmitted, distributed, or used for the creation of derivative works without NCOA’s prior written consent, except that NCOA grants you non-exclusive, non-transferable, limited permission to access and display the Web pages within this site, solely on your computer and for your personal, non-commercial use of this Web Site. This permission is conditioned on your not modifying the content displayed on this site, your keeping intact all copyright, trademark, and other proprietary notices, and your acceptance of any terms, conditions, and notices accompanying the content or otherwise set forth in this site. However, any software and other materials that are made available for download, access, or other use from this Web Site with their own license terms, conditions, and notices will be governed by those terms, conditions, and notices.
The Web Site contains content of third parties and is not promised or guaranteed to be correct, current, or complete, and may contain inaccuracies or errors. NCOA and its representatives assume no responsibility (and expressly disclaim responsibility) for updating the Web Site to keep information current or to ensure the accuracy or completeness of any posted information. NCOA provides no assurances that any reported problems with the Web Site will be resolved by NCOA, even if NCOA elects to provide information with the goal of addressing a problem.
You are solely responsible for the information that you upload, publish or display on or through the Web Site. In consideration of your use of the Web Site, you agree to provide accurate, current and complete information on the Web Site and to be fully responsible for all use of the Web Site. You also acknowledge and agree that if NCOA concludes that you have violated these Terms, your rights to use the Web Site may be suspended or terminated.
In addition, you agree not to use the Web Site to:
- infringe or misappropriate the intellectual property rights of others, including copyrights, trademarks, service marks, trade secrets and patents;
- sell, publish, distribute, retransmit, transfer, display, modify, create derivative works, or in any way exploit content placed on the Web Site, or any portion of it;
- damage, disable, overburden or impair the Web Site;
- upload, post, transmit, share or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
- intimidate or harass another person;
- threaten harm to yourself or others;
- upload, post, transmit, share, store or otherwise make available content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, state, national or international law;
- advertise, transmit, store, post, display or otherwise make available obscene or offensive speech or material; or
- engage in activities, whether lawful or unlawful, that NCOA determines in its sole discretion to be harmful to other users of the Web Site, its operations, or NCOA’s reputation, goodwill or customer relations or which may expose NCOA, its licensees or its licensors or users to any harm or liability of any type.
Postings on the Web Site
NCOA collects information from many sources which comprise portions of the content contained on the Web Site. Although NCOA routinely contacts its sources for changes impacting the content on the Web Site, NCOA does not validate, error check or otherwise confirm the truth, accuracy or timeliness of content that is provided to NCOA and is posted on or generated through the Web Site; or review, edit, censor, or warrant the quality or accuracy of content that is provided to us that users may acquire from the Web Site. By making use of the Web Site, you acknowledge that NCOA does not provide any warranty or representation concerning the accuracy or completeness of the content generated by the Web Site.
THE WEB SITE AND REPORTS GENERATED BY USE OF THE WEB SITE CONTAIN LINKS THAT ALLOW YOU TO ACCESS THIRD PARTY SITES. SUCH THIRD PARTY SITES ARE NOT UNDER THE CONTROL OF NCOA AND ACCORDINGLY NCOA IS NOT RESPONSIBLE FOR THE CONTENTS OF ANY THIRD-PARTY LINKED SITE, ANY LINK CONTAINED IN SUCH LINKED SITE, OR ANY CHANGES OR UPDATES TO SUCH SITES. NCOA IS NOT RESPONSIBLE FOR WEBCASTING OR ANY OTHER FORM OF TRANSMISSION RECEIVED FROM ANY SUCH LINKED SITE. NCOA IS PROVIDING THESE LINKS TO YOU ONLY AS A CONVENIENCE, AND THE INCLUSION OF ANY LINK TO A THIRD-PARTY SITE DOES NOT IMPLY ENDORSEMENT BY NCOA OF THE SITE.
Intellectual Property Rights
Use of the Web Site does not grant to you any rights in connection with any trademarks or service marks of NCOA or its licensors. Without NCOA’s prior written consent, you agree not to display or use any trademarks or service marks of NCOA or its licensors in any manner. All title and intellectual property rights in and to the content which may be accessed through use of the Web Site is the property of the respective content owner and may be protected by applicable copyright or other intellectual property law. No ownership of any part of the content is transferred to you in any manner whatsoever.
Repeat Infringer Policy
In accordance with the Digital Millennium Copyright Act (DMCA) and other applicable law, NCOA has adopted a policy of terminating, in appropriate circumstances and at NCOA’s or its licensees’ discretion, users who are deemed to be repeat infringers. NCOA or its licensees may also at their discretion limit access to the Web Site and/or terminate the access of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.
Users of the Web Site are welcome to share information and resources in public forums contained on the Web Site. However, reliance on any information provided or shared by other users of the Web Site is strictly at your own risk.
Disclaimer of Warranties
YOU AGREE THAT YOUR ACCESS TO AND USE OF THE WEB SITE AND THE CONTENT AVAILABLE THROUGH THE WEB SITE IS ON AN “AS-IS”, “AS AVAILABLE” BASIS AND NCOA, ITS LICENSEES, LICENSORS AND THIRD PARTY REPRESENTATIVES SPECIFICALLY DISCLAIM ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, AND NCOA, ITS LICENSEES AND ITS LICENSORS SPECIFICALLY DISCLAIM ANY CONDITIONS OF QUALITY AND ANY IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE. NCOA AND ITS LICENSORS AND THIRD PARTY SERVICE PROVIDERS DO NOT WARRANT THAT USE OF THE WEB SITE WILL BE UNINTERRUPTED, ERROR-FREE OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME THE RESPONSIBILITY FOR THE SELECTION OF THE WEB SITE TO ACHIEVE YOUR INTENDED PURPOSE.
NCOA, ITS LICENSEES AND THEIR RESPECTIVE THIRD PARTY REPRESENTATIVES DO NOT ENDORSE, WARRANT OR GUARANTEE ANY PRODUCTS OR SERVICES OFFERED OR OTHERWSIE MADE AVAILABLE THROUGH THE WEB SITE AND WILL NOT BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN USERS AND THIRD PARTY PROVIDERS OF PRODUCTS OR SERVICES.
Limitations on Liability
USE OF THE WEB SITE IS AT YOUR OWN RISK.
NCOA disclaims any and all responsibility for any content or postings on the Web Site, the accuracy of such content and for any decisions that you may make based on it.
IN NO EVENT SHALL NCOA, ITS LICENSEES OR ITS LICENSORS, THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR AFFILIATES BE LIABLE FOR ANY COSTS OR DAMAGES ARISING DIRECTLY OR INDIRECTLY FROM YOUR USE OF THE WEB SITE INCLUDING ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, MULTIPLE, PUNITIVE OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING OUT OF USE OF THE WEB SITE, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHER LEGAL THEORY, EVEN IF NCOA, OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSEES OR AFFILIATES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
YOU UNDERSTAND AND AGREE THAT IF YOU DOWNLOAD OR OTHERWISE OBTAIN MATERIALS, INFORMATION, PRODUCTS, PROGRAMS, OR SERVICES, YOU DO SO AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES THAT MAY RESULT, INCLUDING LOSS OF DATA OR DAMAGE TO YOUR COMPUTER SYSTEM.
If NCOA or its Licensees become aware of harmful or potentially harmful activities or inaccurate or misleading information or content, in their discretion, NCOA may take steps to stop such activity or remove such inaccurate or misleading information, such as removing any offending materials or postings; using screening software to block offending materials or activity; denying the offender access to the Web Site, or any other action NCOA deems appropriate, in its discretion.
U.S. Government Restricted Rights
Governing Law; Venue and Jurisdiction