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While Easytec offers information to help clients
and users make informed decisions about the features and benefits of our online
services, Easytec
is not a financial advisor and should not be considered as such. Companies are strongly advised to consult with
professional tax and/or legal advisors before using our service. 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.
Easytec Partners, Inc.,
Portfolio Factory, 401(k) Pro, 401k Easy Online, and 401(k)
Easy Pro, Advisors 401(k) Run-It-Yourself, Self-Service,
Payroll IRA Easy, 401(k) E Z, Pension Motor Corporation,
Quik-Tab 401(k), Pension Service Associates, 403(b), and
Pentec, Inc are Registered Trademarks.
The Software, Publications and Support are provided by Easytec
for Licensee's exclusive use pursuant to
the terms of terms in the Easytec End-User License Agreement.
Easytec 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
Easytec-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 Easytec 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
15-day money-back guarantee on the
401k Easy Online system does not apply to one-time setup costs.
In no event shall Easytec 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 Easytec
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.
-- Easytec cannot warrant the accuracy or completeness of its website's information, text, graphics, links or other items.
-- Easytec may make changes to any aspect of this website at any time.
-- Easytec makes no commitment to update this website at any time.
Easytec has no duty to perform any action other than those specified in Easytec
End-User License Agreement. Easytec 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). Easytec is not responsible or liable for the investment, tax or other consequences resulting from any of Licensee actions, or from
Easytec's actions in following any of Licensee's directions or from Easytec's inaction in the absence of any directions from Licensee.
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This website is controlled and operated by Easytec from its central office, which is in Los Angeles, CA, U.S.A.
Easytec 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.
-- Anyone who accesses this website does so on his or her own initiative and is responsible for compliance with applicable local laws.
-- Exporting any aspect of this website in violation of U.S. export laws and regulations is prohibited.
-- Any claim to any aspect of this website shall be governed by the internal substantive laws of the State of California.
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The information contained in this website is the property of Easytec 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
Portfolio Factory 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
Easytec 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
Easytec to protect our contractual, statutory and common law rights in the information and services contained in this website.
-- Information on this website may contain technical inaccuracies or typographical errors. Information may be changed or updated without notice.
Easytec may also make improvements and/or changes in the products and/or the programs described in this information at any time without notice.
-- Easytec does not grant any express or implied right to any viewer or customer under any patents, copyrights, trademarks, or trade secret information. Other rights can be granted to viewers/customers in writing.
-- Easytec makes no representations whatsoever about any other website which you may access through this one. When you access a
non-Easytec website, please understand that it is independent from Easytec and that
Easytec has no control over the content on that website. In addition, a link to a
non-Easytec website does not mean that Easytec endorses or accepts any responsibility for the content or use of such a site. It is up to you to take precautions to ensure that whatever you select for your use is free of such destructive items as viruses. IN NO EVENT WILL
Easytec BE LIABLE TO ANY PARTY OR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS WEBSITE OR ON ANY OTHER LINKED WEBSITE INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOU INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
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Information we request from you is designed to help us serve your needs. Easytec
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.
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Easytec does not endorse any mutual fund company, nor does mention of any mutual fund company name imply that company's endorsement of
Easytec or Portfolio Factory. Some mutual fund companies listed in this website may not accept purchases from the
Portfolio Factory system.
Easytec 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
Easytec, 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 Easytec 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.
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
Easytec, and its affiliated companies, 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).
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Matters Outside the Responsibility of Easytec
Easytec has no duty to perform any action other than those specified in
Easytec End-User License Agreement. Easytec 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). Easytec is not responsible or liable for the investment, tax or other consequences resulting from any of Licensee actions, or from
Easytec's actions in following any of Licensee's directions or from
Easytec's inaction in the absence of any directions from Licensee.
Patent & Trademark Protection
The Software is both patented and patent pending in the United States and Canada.
Easytec, Easytec, 401(k) Easy, 401k Easy Online, and 401(k) Easy Pro, Advisors 401(k), Run-It-Yourself,
Self-Service, Payroll IRA Easy, 401(k) E Z, Pension Motor Corporation, Quik-Tab 401(k), Pension Service Associates, 403(b) Easy, and Pentec, Inc. are Registered Trademarks.
Copyright Protection & Limitation of Use
The Software, Publications and Support are provided by
Easytec for Licensee's exclusive use pursuant to
the terms of terms in the Easytec End-User License Agreement.
Easytec claims patent, 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
Easytec-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.
Trade Secret Protection & Limitation of Use
By accepting the Easytec End-User License Agreement, Licensee understands and acknowledges that
Easytec's trade secrets consist of information, materials, computer programs and methodologies that are valuable and not generally known by
Easytec's competitors. Disclosure of trade secrets includes:
(a) information and materials relating to Easytec's accounting, allocating and processing
(b) marketing, cost, pricing information and customer lists.
Employer shall make use of Easytec's trade secrets only for the purposes specified and described in the
Easytec End-User License Agreement. In consideration of Easytec's disclosure of its trade secrets to Licensee, Licensee agrees to treat
Easytec'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
Easytec's prior written consent,
Licensee will not:
(a) disclose Easytec's trade secrets to any third party,
(b) make or permit to be made copies or other reproductions of Easytec trade secrets, or
(c) make any commercial use of Easytec trade secrets.
Licensee will not disclose Easytec'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
Easytec End-User License Agreement.
Injunction Relief: Licensee acknowledges that the Software contains proprietary trade secrets of
Easytec 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
Easytec inadequately compensable in damages at law. Accordingly, Easytec may immediately terminate the
Easytec 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,
Easytec 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.
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Easytec Partners, Inc. (hereinafter “Easytec”) agrees to license
Portfolio Factory Software, 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, INSTALL OR USE the Software until you have carefully read the following terms. By ordering, INSTALLING OR USING the Software, you agree to be bound by the terms and conditions of this end user license agreement (the “Agreement”).
License
Easytec hereby grants to Licensee a non-exclusive, non-transferable license to load and
Easytec hereby grants to Licensee a non-exclusive, non-transferable license to load and execute the Software on one stand-alone computer under Licensee’s control for the duration of the calendar year in which Licensee pays the annual license fee for the Software.
License Restrictions
Licensee may use the Software for Licensee’s own use only. In addition to the copy of the Software stored on the hard drive of Licensee’s computer, Licensee may make one archival copy of the Software solely for backup purposes. Making any additional copies of the Software by any means, including electronic transmission, or allowing any other person to make a copy is prohibited. No identifying marks, copyright, patent or patent pending notices or proprietary rights notices may be altered or deleted from any copies of the Software. Licensee is prohibited from giving copies of the Software to another person or entity. Licensee may not print copies of any user documentation. The Software contains trade secrets, and Licensee may not decompile, reverse engineer, disassemble, or otherwise reduce the Software to a human-perceivable form. Licensee may not modify, adapt, translate, rent, sublease, assign, loan or sell the Software or create derivative works based upon the Software or any part thereof.
Patents and Patents Pending
The Software includes US Patent Number 6041313, plus additional Patents Pending.
Warranties
For the duration of the current license term, Easytec warrants to Licensee only that the Software shall perform consistent with the published specifications. Easytec’s sole obligation and liability under this warranty shall be to correct any defects in the Software, in a reasonable time, to perform in accordance with the published specifications therefore. Any modifications, maintenance or other changes to the Software by the Licensee or its agents and employees shall void this warranty but not the exclusions and waivers of warranties contained herein. Easytec does not warrant that the Software will meet Licensee’s requirements or that its use will be uninterrupted or error-free. In the event that Easytec fails to remedy defects in the Software, Licensee’s sole remedy shall be to receive a refund of the current year’s license fees for the Software (not including any plan customization fee paid by Licensee).
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. Easytec, 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. Easytec does not represent or warrant that the Software is free from bugs, errors or other program limitations.
Easytec has no control over Licensee’s use of the Software, and Easytec does not and cannot warrant the performance or results that may be obtained by its use. Easytec does not represent, warrant, or guarantee the accuracy and timeliness of the data or information contained in the Software and shall have no liability of any kind whatsoever to Licensee, or to any other party, on account of any inaccuracies in or untimeliness of the data or information. Nor does Easytec have any obligations to Licensee to correct such data or information or any errors contained in the Software. Various information in the Software constantly changes, and the information may not be current or accurate. The Software should not be used without confirming research from other sources, obtaining up-to-date information, and separate analysis by the Licensee of his or her own particular investment or tax situation or record keeping application. The Software does not recommend or endorse any specific investment or any particular mutual fund, nor does the Software offer specific tax, legal or investment advice or strategies. Easytec is not a financial advisor and should not be considered as such. Licensee is strongly advised to consult with a professional tax and/or investment advisor before establishing or investing on behalf of a 401(k) or any other retirement savings plan.
Some states do not allow the exclusion of implied warranties, so the above exclusions may not apply to Licensee. In that event, any implied warranties are limited in duration to ten (10) days from the date of purchase of the Software. However, some states do not allow a limitation on how long an implied warranty lasts, so the above limitation may not apply to Licensee.
Limitation of Liability & Damages
IN NO EVENT SHALL Easytec, ITS SUPPLIERS OR ITS DISTRIBUTORS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGE, INCLUDING WITHOUT LIMITATION, LOSS OF DATA, LOST PROFITS OR COST OF COVER ARISING FROM THE USE OF THE SOFTWARE OR ANY DEFECT IN THE SOFTWARE, HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY. THIS LIMITATION SHALL APPLY EVEN IF
Easytec, ITS SUPPLIERS OR ITS DISTRIBUTORS SHALL HAVE BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGE. IN PARTICULAR BUT WITHOUT LIMITATION,
Easytec, ITS SUPPLIERS AND ITS DISTRIBUTORS SHALL HAVE NO LIABILITY FOR THE LOSS OF ANY INFORMATION STORED IN OR USED WITH THE SOFTWARE.
THE MAXIMUM AGGREGATE LIABILITY OF Easytec AND ITS SUPPLIERS FOR ANY CLAIM ARISING OUT OF USE OF THE SOFTWARE OR ANY DEFECT IN THE SOFTWARE, ON ANY AND ALL THEORIES OF LIABILITY, INCLUDING WITHOUT LIMITATION NEGLIGENCE BY Easytec, SHALL IN ALL EVENTS BE LIMITED TO RETURN OF THE AMOUNTS ACTUALLY PAID AS THE CURRENT YEAR’S LICENSE FEES.
U.S. Government Restricted Rights
The Software is subject to the DOD FAR Supplement and is “commercial computer software.” Use, duplication or disclosure of the Software is subject to the licensing restrictions set forth in this Agreement. The Software is subject to the Federal Acquisition Regulations as “restricted computer software” and its use, duplication and disclosure shall be subject to the restrictions in FAR 52.227-14.
Miscellaneous
Licensee acknowledges that this Agreement is a complete statement of the
agreement between Licensee and Easytec, and that there are no other prior or
contemporaneous understandings, promises, representations, or descriptions,
regarding the Software. This Agreement does not limit any rights or remedies
that Easytec may have under trade secret, trademark, and copyright, patent or
other related intellectual property laws. Representatives of Easytec are not
authorized to make modifications to this Agreement, or to make any additional
representations, commitments or warranties binding on Easytec. Accordingly, such
additional statements are not binding on Easytec and Licensee should not rely
upon such statements. The validity and performance of this Agreement shall be
governed by California law (without reference to choice of law principles) and
all applicable Federal laws. This Agreement is deemed entered into at Los
Angeles, California, and shall be constructed as to its fair meaning and not
strictly for or against either party. Any resolution of a dispute arising out of
or in connection with this Agreement may only be resolved in Los Angeles,
California.
Effective Term of Agreement
This Agreement shall continue in effect for a period ending on the last day of the effective calendar year this Agreement was entered into. Easytec reserves the right to adjust fees and suspend services without breaching or terminating this Agreement if Licensee fails to pay invoiced fees in accordance with this Agreement. Easytec may terminate this Agreement if Licensee breaches this Agreement.
Promotion & Marketing
Easytec reserves the right to use Licensee’s business name, city and state in marketing literature and materials used in promoting Easytec products and services.
Mediation & Arbitration
If a dispute (excluding copyright, patent, or trademark, or other intellectual rights infringement claims) arises from or relates to this Agreement or the breach thereof, and if the dispute cannot be settled through direct discussions, the parties agree to endeavor first to settle the dispute by mediation in Los Angeles, California, administered by the American Arbitration Association under its Commercial Mediation Rules before resorting to arbitration. Any unresolved controversy or claim (excluding copyright, patent, or trademark infringement claims) arising under this Agreement or its breach, including but not limited to any controversy concerning the meaning or interpretation of any provision of this Agreement or controversies arising from possible errors or omissions on the part of Easytec or its agents or suppliers shall be decided by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, and judgment on the award rendered by the
arbitrator(s) may be entered in any court having jurisdiction thereof. The place of arbitration shall be Los Angeles, California. Any such controversy or claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party.
Consistent with the expedited nature of arbitration, each party will, upon the written request of the other party, promptly provide the other with copies of documents relevant to the issues raised by any claim or counterclaim on which the producing party may rely in support of or in opposition to any claim or defense. Any dispute regarding discovery, or the relevance or scope thereof, shall be determined by the arbitrator(s), which determination shall be conclusive.
The arbitrator(s) shall not award consequential damages in any arbitration initiated under this section, nor shall the arbitrator(s) be empowered to issue an award of exemplary or punitive damages. The arbitrator(s) may determine how the costs and expenses of the arbitration shall be allocated between the parties, but they shall not award attorneys’ fees. The award shall be in writing, shall be signed by a majority of the arbitrators, and shall include a statement regarding the reasons for the disposition of any claim. Except as may be required by law, neither a party nor an arbitrator may disclose the existence, content, or results of any arbitration hereunder without the prior written consent of both parties.
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At Easytec the interests of our clients always come first. 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. We never rent or sell your name or other personal financial information. We will only share certain information with companies not in our corporate family ("nonaffiliated third parties") as permitted by law for the purpose of servicing your financial needs. The recipients of that information are required to protect the confidentiality and security of that information and may not reuse it for any other purpose.
How do we protect the confidentiality and security of your information?
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.
Policies and Procedures. We maintain and monitor our physical, electronic and procedural safeguards, updating them as needed so that we may guard your personal information.
Security. We use leading security and encryption methods to help us identify and prevent data breaches and unauthorized disclosure of your personal financial information.
What information do we collect from and about you?
Depending on the nature of your relationship with us, we must obtain certain information to meet legal and regulatory requirements. In all cases, we collect only personal financial information that is either required or necessary to provide personalized financial services to you.
We obtain information about you from application and other forms, such as name, address, Social Security number, telephone number and income.
We collect information about your financial transactions, such as securities bought and sold, Visa and checking transactions, and fund transfers, with companies in our corporate family ("affiliates").
We may obtain information about you from third parties, such as a consumer report from a consumer reporting agency.
We may verify income, identity or asset information about you.
What information do we disclose to affiliates about you?
We may disclose some or all of your 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 you a broad range of products and services
and to comply with applicable regulations.
What information do we disclose to nonaffiliated third parties about you?
Easytec 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 your account statements can
be 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.
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