Terms of Use & Conditions

General

Comprehensive Benefits Plans of America created this website, LLC (CBA), to provide you with information and resources about financial wellness products and services offered by Plan providers. Included in the offerings is the Incentive Financial Wellness Organizer. Incentive provides budgeting, savings, and expense tracking tools and the ability to aggregate and manage your financial accounts in one place. Your use of the Incentive Financial Wellness Organizer and all the CBA content and resources is subject to the following terms. Upon your acceptance, you form a legally binding agreement between you and CBA.

The CBA platform of benefits is not intended to offer legal, insurance, financial planning, or professional advice. The information on this site is not guaranteed to be complete or current and is not intended to apply to any readers’ personal situation. Therefore, the reader should not rely on the information contained in this website without first seeking appropriate professional advice about the readers’ individual situations.

Acceptance

These Terms of Use and Conditions form the basis of our legal relationship; between you and CBA. You had agreed to these terms and this legal relationship by checking the box “Accept” when you registered as a CBA member. You hereby acknowledge that when you checked the box, you have read these terms and understand them and accept them in their entirety.  Your right to use the CBA platform and its products and resources is conditioned upon your acceptance of these terms, acknowledgment of your understanding of these terms, and your willingness to be bound by them.  You may request a copy of these terms via email. You may not accept these Terms unless you are at least 18 years of age and have the legal capacity to enter into a contract.

Termination

You may terminate the Agreement at any time and for any reason by sending a notice to CBA via email.  CBA may terminate the Agreement upon notice at any time and for any reason. Upon termination, CBA will terminate your registration and delete your user account. CBA has no control over any contractual or user relationships you have established with a CBA vendor or partner. CBA accepts no responsibility for such relationships or product or service use.

Changes, Updates and Amendments

The terms and conditions of this amendment and your use are updated periodically based on changes in CBA operations, changes in laws or regulations, technology, is needed due to compliance with regulatory bodies or to improve the quality of services provided by CBA or its vendors and partners. All changes, updates, and amendments will be posted and dated, and published via email notice. You agree to review, and it is acknowledged by your continued use of membership that, unless you notify CBA, you accept all future changes, updates, and amendments as provided by CBA.

Registration and Passwords 

To access certain products and services features of the CBA website, we may ask you to provide personally identifiable information such as your name, e-mail address, ZIP code, and date of birth. The terms of our Privacy Policy govern our use of any personally identifiable information you provide to us as part of the registration process.

You may need a username and password to use certain features of the Site. By registering on the Site, you agree that you will not (i) select or use a username or e-mail address of another person with the intent to impersonate that person; (ii) use a username or e-mail address subject to the rights of any person without authorization; (iii) use a username in violation of the intellectual property rights of any person; or (iv) use a username that we, in our sole discretion, deem inappropriate or offensive. You are responsible for maintaining the confidentiality of the password and account. You are responsible for all activities (whether by you or by others). You will notify us immediately of any unauthorized use of your password or account or any other breach of security. We assume no liability for any loss or damage arising from any unauthorized use of your password or account by a third party.

No Professional Advice, Affiliations or Lead Generation

The information on this website is for general information purposes only. Nothing on this site should be taken as legal or professional advice for any individual case or situation. Would you please not act or refrain from acting based on anything you read on this site? You should consult an attorney for legal advice and legal services.

All vendors, partners, unions, or any other company or group listed on the CBA website or communications, including, but not limited to Cambridge, OakCrest Capital, LLC, and eMoney Advisor, LLC, ( Incentive), are not affiliated with Comprehensive Benefits of America, LLC (CBA.)

CBA does not provide professional financial, investment, tax, or legal advice. Instead, you should seek certified financial planners, CPAs, and attorneys for advice relative to your personal needs.

CBA is not an intermediary connecting service as defined in Illinois Supreme Court Rule 730 or a similar rule in any other U.S. jurisdiction, i.e., (ii) a lead generator, (iii) a legal service plan, or (iv) a lawyer referral service, marketplace or directory.

Tom Tuohy is CBA CEO, and he is also licensed to practice law in the State of Illinois and the United States Supreme Court. Tom practices law and represents clients who request his services exclusively through Tuohy Law Offices in Oakbrook, Illinois. He does not offer legal advice or legal services or accept clients or provide attorney referrals through CBA.

Disclaimers

Member, exclusive offers are subject to change by the third party. The links contained in this website are accessible on the World Wide Web and are provided only as a convenience for the reader. CBA is not responsible for any third-party content that may be accessible through the links contained on this website. CBA is not responsible for the quality, accuracy, timeliness, reliability, or any other aspect of any product or service offered or provided by a third party. Similarly, CBA is not responsible for the content of the link sites or the services entered into between the provider and the client/member. We do not make any representations or warranties for any content, products, or services provided by third parties, including plan providers. Under no circumstances will CBA be liable for any loss or damage incurred by members relying on such third-party or third-party sites. 

A merchant that offers or sells products or services through the Site may have privacy and data collection practices different from ours. We have no responsibility or liability for these independent policies. For more information about a merchant, its online store, its privacy policies, and/or any additional terms and conditions that may apply, visit that merchant’s Website and click on its information links or contact the merchant directly. You agree that neither we nor our affiliates are responsible for any damages you incur. You will not assert any claims against them or us arising from your purchase or use of any products or services made available by third parties through the Site.

All video and resource content displayed on this site is for informational purposes only and is not intended as advice for investment or other professional purposes. You assume all risks for the use of any information on this site.

All professional relationships entered into by Plan providers and Plan members are independent of CBA. CBA has no interest or responsibility for the work or outcomes of those relationships unless otherwise provided for in writing and the parties' agreement. 

CBA membership provides products, services, and insurance programs provided by trusted third parties, not by CBA. Membership is free. Certain providers pay an affiliate or broker commission fee to CBA. Provider offers are subject to change and may have restrictions, and CBA members should contact the provider for details.

Limitation of Liability

EACH USER SPECIFICALLY ACKNOWLEDGES THAT CBA IS NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER THIRD PARTIES, SUBSCRIBERS, MEMBERS, OR OTHER USERS OF THE MESSAGE BOARDS OR SOCIAL MEDIA PLATFORMS AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH EACH USER. 

USE OF ANY INFORMATION ON THE SITE OR THIRD-PARTY SITES IS AT THE USER’S OWN RISK. CBA DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES ABOUT THE CORRECTNESS, ACCURACY, TIMELINESS, OR RELIABILITY OF THIS SITE OR THIRD-PARTY SITES. UNDER NO CIRCUMSTANCES WILL WE BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY RELIANCE ON INFORMATION OBTAINED THROUGH THE SITE.

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL CBA BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF USE, DATA, AND PROFITS, PROPERTY DAMAGE, OR OTHER INTANGIBLE OR ECONOMIC LOSS, ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE CBA AND INTEGRATED THIRD PARTY SERVICES, ESPECIALLY DUE TO REDUCTION OF AVAILABILITY, CANCELLATION OR MODIFICATION, HACKING ATTACKS, FAILURE, MALFUNCTION OR OCCURRENCE OF OTHER ERRORS IN THE OPERATION OF CBA OR INTEGRATED THIRD-PARTY SERVICES, EVEN IF PROVIDER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.  

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT THE USE OF THE CBA APPLICATION AND INTEGRATED THIRD-PARTY SERVICES IS AT YOUR SOLE RISK AND, THEREFORE, THE ENTIRE RISK, IN PARTICULAR AS TO SATISFACTORY QUALITY, PERFORMANCE, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, SECURITY, AND EFFORT, REMAINS SOLELY WITH YOU. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE CBA APPLICATION AND INTEGRATED THIRD-PARTY SERVICES ARE PROVIDED "AS IS" AND “AS AVAILABLE” WITHOUT ANY EXPRESS OR IMPLIED REPRESENTATIONS OR WARRANTIES OF ANY KIND EXCEPT AS OUTLINED IN THE PRESENT TERMS. SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES, SO THIS DISCLAIMER MAY NOT FULLY APPLY TO YOU.

Indemnification

You agree to indemnify and hold CBA, its directors, officers, employees, and other representatives harmless from all third-party claims arising out of your use of CBA and integrated third-party services, including any liability or expenses arising from any claims, direct or indirect damages, lost profits, suits, judgments, litigation costs, and attorneys' fees.

Prohibited Uses

This site was created and is owned by CBA and is for member’s personal use, and any commercial use is prohibited unless agreed to by members and CBA.  You may not attempt to obtain any information on this site that is password protected or use the login information of another person to access this site. You may not use this site or its content in any manner that violates the intellectual property, copyright, trademark, patent, contract, or any other rights belonging to CBA or any third party. Unless authorized by the owner of the materials, you may not copy, reproduce, republish, or distribute in any manner any material on this site.

Reproduction of any material or images, in part or all of the contents of this site, is prohibited other than for individual use and may not be copied or shared with others. The permission to copy any of the contents of this site does not infer the permission to publish any information contained in this site in any work either by the book, article, electronic, or any other manner.

Governing Law

The laws of Illinois govern the use of this site, and exclusive jurisdiction for any resolution of any disputes or claims regarding the use of this site will be in DuPage County, Illinois. It will be resolved by Arbitration, as governed by the rules of the American Arbitration Association.

Contact

Call us today at 1-312-559-8444 or email us at admin@cbaplan.com with any questions or concerns or for an emailed PDF version of these terms and conditions.

Updated 8/7/21