Terms of Use

Last Updated: June 6, 2025

1. Introduction

The International Foundation of Employee Benefit Plans (together with its affiliates, subsidiaries, divisions, and brands, collectively, the "International Foundation," "us," "we," or "our," as the context may require) operates and provides the websites located at www.ifebp.org, fr.ifebp.ca, www.iscebs.org, www.wellnessalliance.org, www.welcoa.org, www.nationalwellness.org, and all other websites that link to these Terms of Use (collectively, the “Site”).

2. Acceptance of Terms of Use

The following terms and conditions (“Terms of Use”), together with any documents they expressly incorporate by reference and any other applicable policies, including the International Foundation Privacy Policy, govern your access to and use of the Site, including any applications or widgets, content, features, functionality, materials, information, and services offered on or through the Site. These Terms of Use are entered into by and between you and International Foundation.

Please read these Terms of Use carefully before you use the Site. By registering, accessing, or using the Site, or by clicking “I accept” or “I agree” to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by these Terms of Use. If you do not agree to these Terms of Use, please do not visit, access, use, or otherwise interact with the Site.

The Site is offered and available to individuals who are 18 years of age or older. If you are not 18 years of age or older, please do not visit, access, use, or otherwise interact with the Site.

If you are agreeing on behalf of a corporation, governmental organization, or other legal entity, you represent and warrant that you have the right, power, and authority to enter into these terms on its behalf.

3. Changes to Terms of Use

We reserve the right to change these Terms of Use in our sole discretion without advance notice. Changes to these Terms of Use become effective on the date when the updated Terms of Use are published on the Site. Your continued use of the Site after we revise the Terms of Use means you accept such revisions and agree to abide and be bound by the most recent version of the Terms of Use, so please check this page periodically for updates.

4. Prohibited Uses

You may use the Site only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Site to:

Access or attempt to access data not meant for you, or intercept or attempt to intercept electronic mail or other forms of electronic communication not intended for you.
Invade the privacy of, obtain the identity of, or obtain any personal information about any other user of our Site.
Communicate with us or upload to the Site any deceptive, fraudulent, defamatory, indecent, obscene, harassing, violent, or otherwise harmful or objectionable material, or any material that contains nudity, sexually explicit or pornographic material, violence, or discrimination based on race, gender, sex, sexual orientation, religion, nationality, disability, or age.
Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person.
Violate any applicable federal, state, local or international law or regulation, or violate the legal rights (including intellectual property rights or the rights of publicity and privacy) of others.
Exploit, harm, or attempt to exploit or harm minors in any way by exposing them to inappropriate content, asking for personal information, or otherwise.
Promote any illegal activity or advocate, promote, or assist any unlawful act.
Transmit, or procure the sending of, any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any similar solicitation, or other commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising.
Impersonate or attempt to impersonate us, our employees, another user, or any other person or entity (including, without limitation, by using email addresses associated with any of the foregoing), or to misrepresent an affiliation with any person or organization.
Collect information about others (including email addresses) without their consent.
Violate these Terms of Use or any other policies or agreements that you enter into with us.
Engage in any other conduct that restricts or inhibits use of the Site, or which, as determined by us in our sole discretion, may harm International Foundation or users of the Site.

Additionally, you agree not to:

Use the Site in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party's use of the Site, including their ability to engage in real time activities through the Site.
Use any robot, spider, or other automatic device, process, or means to access the Site for any purpose, including monitoring or copying any of the material on the Site.
Use any manual process to monitor or copy any of the material on the Site, or for any other purpose not expressly authorized in these Terms of Use, without our prior written consent.
Probe, scan, or test the vulnerability of our Site, our network, our security, or authentication measures without proper authorization.
Use any device, software, or routine that interferes with the proper working of the Site.
Introduce any viruses, Trojan horses, worms, logic bombs, corrupted data or other material that is malicious or technologically harmful.
Attempt to gain unauthorized access to, interfere with, damage, or disrupt any part of the Site, the server on which the Site are stored, or any server, computer, or database connected to the Site.
Attack the Site via a denial-of-service attack or a distributed denial-of-service attack.
Otherwise attempt to interfere with the proper working of the Site.

Your failure to comply with the above provisions may result in the termination of your access to the Site and may expose you to civil and/or criminal liability. We reserve the right to take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Site, and to terminate or suspend your access to all or part of the Site for any or no reason, including without limitation, any violation of these Terms of Use.

Without limiting the foregoing, we have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone using the Site. YOU WAIVE AND HOLD HARMLESS INTERNATIONAL FOUNDATION, ITS AFFILIATES AND SUBSIDIARIES, AND THEIR LICENSEES AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.

5. User Contributions

The Site may contain chat functions, message boards, personal profiles, forums, bulletin boards, and other interactive features that allow users to post, submit, publish, display, or transmit to other users or other persons (hereinafter, “post”) content or materials (collectively, “User Contributions”) on or through the Site. All User Contributions must comply with the standards set out in these Terms of Use.

Any User Contribution you post to the site will be considered non-confidential and non-proprietary. By providing any User Contribution on the Site, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose.

You represent and warrant that:

You own or control all rights in and to the User Contributions and have the right to grant the license granted above to us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns.
All of your User Contributions do and will comply with these Terms of Use.

You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and you, not International Foundation, have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness.

We are not responsible or liable to any third party for the content or accuracy of any User Contributions posted by you or any other user of the Site. International Foundation reserves the right to pre-screen, refuse, and/or delete any User Contributions. In addition, we reserve the right to remove and/or delete any User Contributions that would violate the Terms of Use or which would otherwise be considered offensive to other users. However, we cannot review all material before it is posted on the Sites, and we cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding User Contributions or transmissions, communications, or content provided by any user or third party. We have no liability or responsibility to you or any third party for performance or nonperformance of the activities described herein.

6. Linking to the Site and Social Media Features

You may link to our Site, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part.

The Site may provide certain social media features that enable you to:

Link from your own or certain third-party websites to certain content on the Site;
Send emails or other communications with certain content, or links to certain content, on the Site.
Cause limited portions of content on the Site to be displayed or appear to be displayed on your own or certain third-party websites.

You may use these features solely as they are provided by us, solely with respect to the content they are displayed with, and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

Establish a link from any website that is not owned by you.
Cause the Site or portions of it to be displayed on, or appear to be displayed by, any other site, for example, framing, deep linking, or in-line linking.
Otherwise take any action with respect to the materials on the Site that is inconsistent with any other provision of these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to stop. We reserve the right to withdraw linking permission without notice.

We may disable all or any social media features and any links at any time without notice in our discretion.

7. Intellectual Property Rights

The Site and all related content, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by International Foundation, its affiliates, subsidiaries, licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

These Terms of Use permit you to use the Site for your personal or internal business use only. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on or through the Site, except as follows:

Your computer or other electronic device may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
You may store files that are automatically cached by your Web browser for display enhancement purposes.
You may print or download one copy of a reasonable number of pages of the Site for your own personal or internal business use and not for further reproduction, publication, or distribution.
If we provide social media features with certain content, you may take such actions as are enabled by such features.

You may not:

Modify copies of any materials from the Site.
Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from the Site.

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Site in breach of these Terms of Use, your right to use the Site will stop immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Site or any content therein is transferred to you, and all rights not expressly granted are reserved by International Foundation. Any use of the Site not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws.

The International Foundation name, the International Foundation logo, and all related names, logos, product and service names, designs, and slogans are trademarks of International Foundation or its affiliates, subsidiaries, or licensors. You must not use such marks without the prior written permission of International Foundation. All other names, logos, product and service names, designs, and slogans on this Site are the trademarks of their respective owners.

Except as expressly provided, nothing contained in these Terms of Use or anywhere on the Site shall be construed as conferring any license under any intellectual property rights of International Foundation, its licensors, or any third party.

Unauthorized attempts to upload information or change information are strictly prohibited and may be punishable under the Computer Fraud and Abuse Act of 1986.

We take claims of copyright infringement seriously. We will respond to notices of alleged copyright infringement that comply with applicable law. If you believe any materials accessible on or from the Site infringe your copyright, you may request removal of those materials (or access to them) from the Site by submitting written notification to our copyright agent designated below. In accordance with the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act (17 U.S.C. § 512) (“DMCA”), the written notice (the “DMCA Notice”) must include substantially the following: (a) your electronic or physical signature; (b) identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Site, a representative list of such works; (c) identification of the material you believe to be infringing in a sufficiently precise manner to allow us to locate that material; (d) adequate information by which we can contact you, such as your address, telephone number, and email address; (e) a statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent, or the law; (f) a statement that the information in the written notice is accurate; and (g) a statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

Our designated copyright agent to receive DMCA Notices is:

Director, Research & Publications
International Foundation of Employee Benefit Plans
18700 W. Bluemound Road, Brookfield, WI 53045
(888) 334-3327
[email protected]

If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be effective.

Please be aware that if you knowingly materially misrepresent that material or activity on the Site is infringing your copyright, you may be held liable for damages (including costs and attorneys' fees) under Section 512(f) of the DMCA.

If you believe that material you posted on the Site was removed or access to it was disabled by mistake or misidentification, you may file a counter notification with us (a “Counter Notice”) by submitting written notification to our copyright agent designated above. Pursuant to the DMCA, the Counter Notice must include substantially the following: (a) your physical or electronic signature; (b) an identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access disabled; (c) adequate information by which we can contact you, such as your address, telephone number, and email address; (d) a statement under penalty of perjury by you that you have a good faith belief that the material identified above was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled; and (e) a statement that you will consent to the jurisdiction of the Federal District Court for the judicial district in which your address is located (or if you reside outside the United States for any judicial district in which the Site may be found) and that you will accept service from the person (or an agent of that person) who provided the Site with the complaint at issue.

The DMCA allows us to restore the removed content if the party filing the original DMCA Notice does not file a court action against you within 10 business days of receiving the copy of your Counter Notice.

Please be aware that if you knowingly materially misrepresent that material or activity on the Site was removed or disabled by mistake or misidentification, you may be held liable for damages (including costs and attorneys' fees) under Section 512(f) of the DMCA.

It is our policy in appropriate circumstances to disable and/or terminate the accounts of users who are repeat infringers.

8. Feedback

International Foundation may provide an area for you to submit feedback on the Site. When you submit ideas, documents, suggestions, and/or proposals (“Feedback”), you acknowledge and agree that your Feedback does not contain any type of confidential or proprietary information. International Foundation shall not be liable or under any obligation to ensure or maintain confidentiality, expressed or implied, related to any Feedback. International Foundation shall be entitled to make use of and/or disclose any such Feedback in any such manner as it may see fit. The Feedback shall automatically become the sole property of International Foundation and International Foundation is under no obligation to either compensate or provide any form of reimbursement in any manner or nature.

9. Third-Party Apps or Websites

While using the Site, you may access the Site through a third-party app or access third-party apps or websites through search results displayed on or through the Site and links contained on the Site, including links to make payments. Such third-party apps or websites are not under our control, and we are not responsible for the availability of such apps or websites or their contents. Any links provided on the Site are provided for your interest or convenience only and do not represent or imply any endorsement by International Foundation of any such linked app or website. You acknowledge that the use of such third-party app or website is governed by the terms and conditions applicable to any such app or website, and if you decide to access any such third-party app or website, you do so entirely at your own risk and subject to the terms and conditions of use for each such app or website.

10. Availability

We may periodically schedule system downtime for maintenance and other purposes, and the Site may be unavailable due to unplanned system outages or circumstances outside of our control. We shall have no liability to any user or third party whatsoever for the resulting unavailability of the Site, or for any loss of data or transactions caused by planned or unplanned system outages, or for the resultant delay, misdelivery, or non-delivery of information caused by such system outages.

We reserve the right to terminate, withdraw or amend the Site or any portion thereof, including any product, service, or material we provide on or through the Site, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Site is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Site, or to the Site altogether.

11. Errors

We attempt to provide the most recent, accurate, and reliable information on our Site. However, there may be occasions when information featured on our Site may contain typographical errors, incomplete data, inaccuracies, or items featured on the Site that are no longer available. We do not warrant that the information accessible via the Site is accurate, complete, or current. Any errors are unintentional, and we apologize if erroneous information is reflected on the Site. We reserve the right to correct errors and to update the Site at any time, but we are under no obligation to update the Site or any related content.

12. Disclaimer of Warranties

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Site will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our Site for any reconstruction of any lost data.

TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE SITE OR ANY PRODUCTS, SERVICES, OR ITEMS OBTAINED THROUGH THE SITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY APP OR WEBSITE LINKED TO IT.

YOUR USE OF THE SITE, ANY RELATED CONTENT, AND ANY PRODUCTS, SERVICES, OR ITEMS OBTAINED THROUGH THE SITE IS AT YOUR OWN RISK. THE SITE, ANY RELATED CONTENT, AND ANY PRODUCTS, SERVICES, OR ITEMS OBTAINED THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER INTERNATIONAL FOUNDATION NOR ANY PERSON ASSOCIATED WITH INTERNATIONAL FOUNDATION MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SITE. WITHOUT LIMITING THE FOREGOING, NEITHER INTERNATIONAL FOUNDATION NOR ANYONE ASSOCIATED WITH INTERNATIONAL FOUNDATION REPRESENTS OR WARRANTS THAT THE SITE, ANY RELATED CONTENT, OR ANY PRODUCTS, SERVICES, OR ITEMS OBTAINED THROUGH THE SITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKE THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE SITE OR ANY PRODUCTS, SERVICES, OR ITEMS OBTAINED THROUGH THE SITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

TO THE FULLEST EXTENT PROVIDED BY LAW, INTERNATIONAL FOUNDATION HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF INTERNATIONAL FOUNDATION, ITS AFFILIATES, SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, AND THEIR RESPECTIVE OFFICERS, MANAGERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, SUPPLIERS, SUCCESSORS, AND ASSIGNS, TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE PAID TO INTERNATIONAL FOUNDATION IN THE LAST 12 MONTHS FOR THE APPLICABLE PRODUCT OR SERVICE OUT OF WHICH LIABILITY AROSE.

IN NO EVENT WILL INTERNATIONAL FOUNDATION, ITS AFFILIATES, SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, AND THEIR RESPECTIVE OFFICERS, MANAGERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, SUPPLIERS, SUCCESSORS, AND ASSIGNS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY, LOST PROFITS, OR DAMAGES RESULTING FROM DELAY, INTERRUPTION IN SERVICE, VIRUSES, DELETION OF FILES OR ELECTRONIC COMMUNICATIONS, OR ERRORS, OMISSIONS OR OTHER INACCURACIES IN THE SITE OR ANY RELATED CONTENT, WHETHER OR NOT THERE IS NEGLIGENCE BY INTERNATIONAL FOUNDATION AND WHETHER OR NOT INTERNATIONAL FOUNDATION HAS BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE SITE AND ANY RELATED CONTENT, PRODUCTS, AND SERVICES PROVIDED ON OR AVAILABLE THROUGH THE SITE OR ANY LINKED APP OR WEBSITE.

Some jurisdictions do not permit the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages, therefore, some of the limitations above may not apply to you.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

14. Indemnification

You agree to defend, indemnify, and hold harmless International Foundation, its affiliates, subsidiaries, licensors, service providers, and their respective officers, managers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns, from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to (i) your access, use, or misuse of the Site; (ii) your User Contributions; (iii) your violation of these Terms of Use; (iv) the actual or alleged infringement of any of our or any third-party proprietary or intellectual property right arising out of your copying, republishing, uploading, posting, transmitting, distributing, selling, or using the Site in any manner not authorized by us; or (v) your negligent conduct. This includes, but is not limited to, any use of the content, products, and services on the Site other than as expressly authorized in these Terms of Use.

15. Limitation on Time to File Claims

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE SITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

16. Termination

We reserve the right to restrict or terminate your access to all or part of the Site at any time in our sole discretion for any or no reason.

Your failure to comply with these Terms of Use automatically revokes your authorization to use the Site and terminates all rights granted to you under these Terms of Use. Your obligations to International Foundation and its affiliates and third-party service providers relating to your use of the Site prior to termination shall continue after termination. Provisions of these Terms of Use regarding the content restrictions and limitations, disclaimers, indemnification, and liability limitations shall survive termination of these Terms of Use for any reason.

17. Miscellaneous

When you visit or use the Site, submit a contact request, request maintenance or other services, send an email to us, or otherwise communicate with us through the Site or electronically, you expressly grant International Foundation, its affiliates, or its third-party service providers the right to communicate with you electronically and consent to the use of electronic signatures, electronic receipt of records and notices, and electronic communication. This includes, but is not limited to, posting notices on the Site or responding to your email. You agree that all agreements, notices, disclosures, or other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. International Foundation reserves the right, in its sole discretion, to communicate with you in paper form. You may withdraw your consent to electronic communications by contacting us as provided in Section 18 (How to Contact Us).

Except as expressly set forth herein, in the event of a conflict between these Terms of Use and any applicable terms to specific products or services that you receive from us, the terms of the specific product or service shall govern.

All matters relating to the Site or these Terms of Use, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Wisconsin without giving effect to any choice or conflict of law provision or rule. Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Site shall be instituted exclusively in the federal courts of the United States or the courts of the State of Wisconsin, in each case located in the City of Milwaukee, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your jurisdiction of residence or any other relevant jurisdiction. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

These Terms of Use constitute the entire agreement between you and International Foundation with respect to our Site and supersede all prior or contemporaneous understandings and agreements, whether written or oral, with respect to our Site. No failure on the part of International Foundation to exercise and no delay in exercising any right under these Terms of Use shall operate as a waiver of such right. If any provision contained in these Terms of Use is determined by a court of competent jurisdiction to be illegal, invalid, or otherwise unenforceable, that provision shall be severed from these Terms of Use and the remaining provisions shall continue in full force and effect.

18. How to Contact Us

If you have any feedback, comments, questions, or requests for technical support relating to the Site, you may contact us:

Via mail at International Foundation of Employee Benefit Plans, 18700 W Bluemound Road, Brookfield, WI 53045 United States or P.O. Box 2406, Postal Station A, Toronto, ON M5W 2K6, Canada;
Via phone at (888) 334-3327 (US) or (833) 886-3749 (Canada);
Via email at [email protected]; or
By visiting https://www.ifebp.org/column-3/contact-us.