Terms and Conditions
Howell Benefit Services, Inc. (Howell) offers visitors, clients and participants (known collectively as “visitors”) a wide range of content about its solutions and services for employers and employees through this website. By using this website, visitors are agreeing to accept and comply with the terms and conditions of use as stated below.

Trademarks & Copyright
This web site is owned and operated by Howell.  Unless otherwise indicated, copyright of all information and other materials on this site (including information and its arrangement) is owned by or licensed to Howell. All rights are reserved. Visitors to the website may, view, print and/or download content from this website for personal and non-commercial use, provided visitors keep intact all copyright and other proprietary notices. No content published by Howell on this website, in whole or in part, may be copied, reproduced, modified, republished, uploaded, posted, transmitted, or distributed in any form or by any means without prior written permission from Howell.

Secure Areas
Access to and use of password protected or secured areas of this web site, including without limitation, EnrollEXPERT™ HRBenefitsSOLUTION™ and HowellDIRECT™, is restricted to authorized users only.  Howell makes every attempt to ensure the security integrity of this site and the confidentiality of usernames and passwords for authorized users.  Usernames and/or passwords are needed to access certain parts of this website as well as any activity that occur under usernames and/or passwords.  Authorized users will be asked to provide accurate and current information on forms on this website.   Once Howell presents an authorized user with a username and/or password, the authorized user is then solely responsible for maintaining the confidentiality of that username and/or password which was provided to them by the Howell web administrator.   It is the responsibility of authorized users to ensure usernames or passwords will not: be misused or shared with any other person or entity, misrepresent a user’s identity or affiliation with an entity, impersonate any person or entity, or misstate the origin of any materials expressed through this website.

Third Party Sites
Third party sites are not under the control of Howell and therefore Howell is not responsible for the content of any linked site or any link contained in a linked site.  Howell reserves the right to terminate any link at any time.  Howell may provide links from this web site to other sites as a convenience to visitors, clients or participants and this action should not be interpreted as an endorsement of any company, content or products to which it links.  Access any of the third party sites linked to this web site will be done entirely at the visitors or users own risk.  Howell disclaims any and all warranties, express or implied, to any such linked sites, including but not limited to any terms as to the accuracy, ownership, validity or legality of any content of a linked site.

Indemnity
Visitors to the Howell website agree to indemnify, defend and hold Howell harmless from and against any and all third party claims, liabilities, damages, losses or expenses arising out of, based on or in connection with access and/or use of this website.

Limitation of Liability
In no event shall Howell or its vendors/carriers/preferred service providers//suppliers be liable for any direct, indirect, special, incidental or consequential damages including, without limitation, loss profits or revenues, costs of replacement goods, loss or damage to data arising out of the use or inability to use this website or any linked site, damages resulting from use of or reliance on the information or materials presented on this website, whether based on warranty, contract, tort or any other legal theory even if Howell or its vendors/carriers/ preferred service providers/suppliers have been advised of the possibility of such damages.

Disclaimer
Howell will make every attempt to maintain and update this website with current and accurate information.  However, visitors should not assume that the contents on this website is continuously updated or otherwise contain current information. Howell assumes no responsibility for accuracy, correctness and timeliness, of the content, provided on this website. The content provided on this website is provided "as is" and any warranty (express or implied), condition or other term of any kind is hereby excluded.

General
If you have any questions regarding these terms, please contact Howell at info@howellusa.com.