This page states the Terms and Conditions under which you may use www.sklover.com (the "Web Site"). Please read this page carefully. If you do not accept these Terms and Conditions, do not use the Web Site. By using the Web Site, you are indicating your agreement to be bound by these Terms and Conditions. The Sklover Benefits Group, Inc. may revise these Terms and Conditions at any time by posting an update to this page. You should visit this page periodically, because your continued use of the Web Site following the posting of changes to these Terms and Conditions will mean you accept those changes. The terms "you" and "user" as used herein refer to all individuals and/or entities accessing the Web Site for any reason.

The contents of the Web Site, including, but not limited to, text, graphics, sounds, images and other material (the "Material"), are owned by the Sklover Benefits Group, Inc. and its licensors and vendors, and are protected by United States and foreign intellectual property laws. Unauthorized use of the Material may violate copyright, trademark and other laws.

The Sklover Benefits Group, Inc. authorizes you to view and download a single copy of the Material on the Web Site solely for your personal, non-commercial use, provided you retain all copyright and other proprietary notices contained in the original Material on any copy you make of the Material. You may not sell or modify the Material or reproduce, display, publicly perform, distribute, or otherwise use the Material in any way for any public or commercial purpose. The use of the Material on any other web site or in a networked computer environment for any purpose is prohibited.

You may not copy or adapt the HTML or other code that the Sklover Benefits Group, Inc. uses to generate its pages. This code is also protected by the Sklover Benefits Group, Inc.'s copyright and other intellectual property rights.

General Rules: You may not use the Web Site in order to transmit, distribute, store or destroy material (a) in violation of any applicable law or regulation, (b) in a manner that will infringe the copyright, trademark, trade secret or other intellectual property rights of others or violate the privacy, publicity or other personal rights of others, or (c) that is defamatory, obscene, threatening, abusive or hateful.

Security Rules: You are prohibited from violating or attempting to violate the security of the Web Site or from using the Web Site to violate the security of other web sites by any method, including, without limitation, (a) accessing data not intended for you or logging into a server or account which you are not authorized to access, (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measurers without proper authorization, (c) attempting to interfere with service to any user of the Web Site, host or network, including, without limitation, via means of submitting a virus to the Web Site, overloading, "flooding", "spamming", "mailbombing" or "crashing" the Web Site, (d) sending unsolicited e-mail, including promotions and/or advertising of products or services. Violations of system or network security may result in civil or criminal liability. The Sklover Benefits Group, Inc. may investigate violations of these Terms and Conditions and may involve and cooperate with law enforcement authorities in prosecuting users of the Web Site who are involved in such violations.

If you would like to link to the Web Site, you must comply with the following. A web site that links to the Web Site:

• may link to, but not copy, the Materials;
  

• should not frame or create a browser or border environment around the Materials;
  

• should not imply that the Sklover Benefits Group, Inc. is endorsing your web site or your products;
  

• should not misrepresent your relationship with the Sklover Benefits Group, Inc.;
  

• should not present false information about the Sklover Benefits Group, Inc. products or services;
  

• should not use the Sklover Benefits Group, Inc. trademarks or logos without permission from the Sklover Benefits Group, Inc.; and
  

• should not contain content that could be construed as distasteful or offensive.
  

The Material may contain inaccuracies or typographical errors. The Sklover Benefits Group, Inc. makes no representations about the accuracy, reliability, completeness, or timeliness of the Web Site or the Material. The use of the Web Site and the Material is at your own risk. We reserve the right, at our discretion, to modify, add, or remove portions of the Web Site at anytime without notice.

The Sklover Benefits Group, Inc. reserves the right, at its sole discretion, to immediately terminate your registration with, or ability to access, the Web Site and/or any other service provided to you by the Sklover Benefits Group, Inc., upon any breach by you of these Terms and Conditions.

You agree to defend, indemnify, and hold harmless the Sklover Benefits Group, Inc., its officers, directors, employees and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of the Material or your breach of the terms of these Terms and Conditions. The Sklover Benefits Group, Inc. will provide notice to you promptly of any such claim, suit, or proceeding and will assist you, at your expense, in defending any such claim, suit or proceeding.

The Sklover Benefits Group, Inc. makes no claims that the Materials may be lawfully viewed or downloaded outside of the United States. Access to the Materials may not be legal by certain persons or in certain countries. If you access the Web Site from outside of the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. These Terms and Conditions are governed by the internal substantive laws of the State of New York, without respect to its conflict of laws principles. Jurisdiction of any claims arising under these Terms and Conditions will lie exclusively with the state or federal courts within the State of New York. If any provision of these Terms and Conditions is found to be invalid by any court having competent jurisdiction, the invalidity of such provision will not affect the validity of the remaining provisions of these Terms and Conditions, which will remain in full force and effect. No waiver of any provision of these Terms and Conditions will be deemed a further or continuing waiver of such provision or any other provision. These Terms and Conditions constitute the entire agreement between you and the Sklover Benefits Group, Inc. with respect to the use of Web Site. No changes to these Terms and Conditions may be made except by a revised posting on this page.