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Disclaimer

Payday IRA™ does not and will not provide legal, investment or tax advice and nothing contained on this site shall be construed as such. We suggest that you seek the advice of a tax-planning professional to discuss your personal circumstances.

Your retirement plan will depend on your unique needs. There is no single strategy that meets all investors’ needs.

Payday IRA™ recommends that you carefully consider your investment objectives, tolerances, risks, fees, and expenses before you invest in a mutual fund, money market or any IRA product. Each mutual fund, money market and IRA product has a prospectus that contains the above and other important information. Please read the prospectus carefully before investing. You can request a copy of the prospectus for each product or service available through this site by contacting the relevant service or product provider directly, or by downloading it from this site.

Investing in any form is subject to risks. There is no assurance that the investment process will consistently lead to successful investing. Diversification does not eliminate the risk of experiencing investment losses.

IRS Rules controlling contributions and distributions will apply to all IRAs directed by you.

Payday IRA™ may give you access to research and planning tools and information obtained from unaffiliated third party sources. Such tools are deemed reliable, but in no event does Payday IRA™ guarantee their accuracy and completeness, and all warranties to the contrary are hereby disclaimed. Your use of any such tools or information shall be done solely at your own risk.

Any specific securities or types of securities used as examples are for demonstration purposes only. None of the information provided should be considered a recommendation or solicitation to invest in, or liquidate, a particular security or type of security.

Payday IRA™ is compensated by the funds participating in the NTF program through recordkeeping, shareholder, or SEC 12b-1 fees.

Market volatility, volume, and system availability may impact account access and trade execution.

PrivacyPolicy

InspiraFS, Inc., d/b/a Payday IRA™ (“Payday IRA”) is committed to protecting your privacy. To help you understand how we protect the information we receive about you, this notice describes our current privacy policy and practices. This Statement of Privacy applies to the Payday IRA™’ Website and governs the data collected from this Site. By using this Website, you consent to the practices described in this statement.

Collection of your Personal Information

Payday IRA™ may collect the personal information that you provide us, such as your e-mail address, name, home address, telephone number, date of birth, Social Security Number, banking information, credit information and other transactional information. Payday IRA™ also may collect anonymous demographic information, which is not unique to you.

In addition, information about your computer hardware and software, such as your IP address, browser type, domain names, access times and referring website addresses, may be automatically collected by Payday IRA™. This information is used to assist in the operation of and your access to this Website and its content, and to provide general statistics regarding its use.

Payday IRA™ strongly advocates protecting the privacy of children and teenagers. As such, we do not knowingly collect personally identifiable information from minors through our Website.

This Website may contain Hyperlinks to third party websites which will direct you away from this Site. Payday IRA™ encourages you to review the privacy statements of such third party sites so that you understand how those websites collect, use and share your information. Payday IRA™ is not responsible for the privacy statements or other content on such third party websites. Further, Payday IRA™ is not responsible for such third parties’ collection and use of your information.

Use of your Personal Information

Payday IRA™ collects and uses your personal information to operate this Website and deliver the services or products you request.

Payday IRA™ shares certain protected and other personal information about you with its affiliates and other third parties that are necessary to complete certain transactions and perform certain services relative to the services or products you request from us. Payday IRA™ does not allow such third parties to use your information for purposes other than those necessary and relevant for the completion of such transactions and the provision of such services.

Payday IRA™ will disclose your personal information, without notice or permission, if required to do so by law or with the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Payday IRA™ or the Site; (b) protect and defend the rights or property of Payday IRA™ and/or; (c) act under exigent circumstances to protect the personal safety of users of this Site, or the public.

Your personal information may be disclosed as part of any merger, acquisition, sale of company assets, or transition of service to another entity, as well as in the unlikely event of insolvency, bankruptcy, or receivership in which personal information would be transferred as one of the business assets of the company.

Except as provided above or elsewhere in this policy, Payday IRA™ will not sell, rent, lease or disclose your personal information to third parties without your consent (including for direct marketing purposes, as governed by California Civil Code 1798.83).

Use of Cookies

This Website may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize web pages, or register with Payday IRA™ on this website, a cookie helps Payday IRA™ to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Website, the information you previously provided can be retrieved, so you can easily use the Site’s features.

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of websites you visit.

Security of your Personal Information

Payday IRA™ maintains physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. In addition, we have policies in place that prohibit employees and contractors from accessing your personal information unless there is a business reason to do so.

Changes to this Statement

Payday IRA™ will occasionally update this Statement of Privacy. Payday IRA™ encourages you to periodically review this Statement to be informed of how Payday IRA™ is protecting your information.

Contact Information

If you have any questions regarding this policy, you can contact us at the following address, phone number or email address:

Payday IRA

Eight Penn Center West, Suite 101

Pittsburgh, PA 15276

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Terms of Use

These Terms and Conditions shall apply to and control your use of this Website (“Website” or “Site”), the services provided herein (the “Services”) and any information, software, function, graphics, artwork and any other material contained herein (collectively referred to as the "Content").

By accessing and/or using this Website, the Services and the Content, you ("you" or the “User") agree to abide by and be bound to these Terms and Conditions and any changes thereto. If you do not agree to or cannot comply with any of these Terms and Conditions, immediately cease any use of t his Website, the Services and the Content.

These Terms and Conditions may be changed or modified from time to time without notice to you. You should review these Terms and Conditions each time you use this Site or a Product or Service provided hereunder to make sure you agree with them. By using this Site, the Products, the Services and/or the Content offered herein, or engaging in any of the activities described in these Terms and Conditions after changes have been made, you thereby agree to accept, be bound to and comply with such changes.

Website

This Website provides access to certain services to assist you to set-up and administer your Individual Retirement Account. This Website is provided by Payday IRA™, a registered name of InspiraFS, Inc.(“ Payday IRA™”) which provides certain third party administration services (“TPA Services” which may be included in the definition of “Services”) for your Individual Retirement Account. Be aware that Payday IRA™ is compensated by the funds participating in the NTF program through recordkeeping, shareholder, or SEC 12b-1 fees.

The functionality of this Website is made possible through a variety services provided by third parties, which may include parties providing trading platforms, trust services, custodial services, investment services and record keeping services, and parties providing information and website administration (collectively the “Third Party Providers”). In no event shall Payday IRA™’ use of or contractual arrangement with any Third Party Providers create any agency, employment, joint venture, partnership, representation or fiduciary relationship between such third parties, and neither Payday IRA™ nor such Third Party Providers shall have the authority to create any obligation on behalf of the other. Further, in no event shall the mention of, or the protections granted to such Third Party Providers suggest that such third parties are a party to these Terms of Service and the legal obligations herein. At times, through the process of establishing an IRA through this Website, you may be required to enter into legally binding agreements with third parties, including the Third Party Providers. User acknowledges and agrees that Payday IRA™ shall not be a party under such third party agreements and, as such, in no event shall Payday IRA™ have any liability or obligation under the same.

Content

Information provided on this Website has been compiled from a variety of sources, including the NSCC, Mutual Fund Companies, Trust Companies, Custodial Companies, government and quasi government entities and other third parties. This Site may contain out of date information, technical or other mistakes, inaccuracies or typographical errors, and Payday IRA™ makes no guarantees or warranties to the contrary. Payday IRA™ and the Third Party Providers assume no obligation or liability to correct or update the same. It is your responsibility to verify any information presented to you before relying on it. The Content within this Website is provided for general informational purposes only and should not be regarded as professional advice or an official opinion. You are should seek professional advice before taking any course of action related to the information, content and ideas herein.

Payday IRA™ may give you access to research and planning tools obtained from unaffiliated third party sources. Such tools are deemed reliable, but in no event does Payday IRA™ guarantee their accuracy and completeness, and all warranties to the contrary are hereby disclaimed. Your use of any such tools shall be done solely at your own risk.

This Site contains Hyperlinks to third party websites (“Third Party Sites”). The placement of such hyperlinks on this Website shall in no event be construed as an endorsement or support, by Payday IRA™, or any Third Party Provider, of the content, products and/or services of such Third Party Sites. Payday IRA™ does not editorially control the content, products and/or services on Third Party Sites, and it and the Third Party Providers shall not be liable, in any manner whatsoever, for the access to, inability to access, the use, inability to use or the content available on or through Third Party Sites.

The Content herein may change or be superseded from time to time as result of subsequent market events regulatory changes or other reasons. You are responsible for reviewing the information and content on this Site from time to time to be aware of such changes.

Investment Risk

Your retirement plan will depend on your unique needs. There is no single strategy that meets all investors’ needs. Investments such as stocks, bonds, annuities, IRAs and mutual funds are not insured by the FDIC or any other governmental agency, and are not guaranteed by Payday IRA™, the IRA sponsor, any Third Part Provider or any bank or entity. Such investments are subject to any and all investment risks, including the possible loss of the principal amount invested. Diversification does not eliminate the risk of experiencing investment losses. Further, past performance does not guarantee future results, and any representation or warranty to the contrary is hereby disclaimed.

Payday IRA™ recommends that you carefully consider your investment objectives, tolerances, risks, fees, and expenses before you invest in a mutual fund, money market or any IRA product. Each mutual fund, money market and IRA product has a prospectus that contains the above and other important information. Please read the prospectus carefully before investing. You can request a copy of the prospectus for each Product or Service available through this site by contacting the relevant service or product provider directly, or by downloading it from this site.

Any specific securities or types of securities used as examples are for demonstration purposes only. None of the information provided should be considered a recommendation or solicitation to invest in, or liquidate, a particular security or type of security.

Proprietary and Intellectual Content

The Content of this Website (including but not limited to software, tools, information graphics, videos, and marks) is proprietary in nature, and may be owned by Payday IRA™, its affiliates and/or a Third Party Provider. All title and intellectual property rights in and to the Content which may be viewed or accessed through this Website is and shall remain the property of the respective Content owner and may be protected by applicable copyright or other intellectual property laws and treaties. Nothing contained herein shall be construed as granting a license under any copyright, trademark, patent or other intellectual property right.

Additional Terms and Conditions

When using certain Content, information, and/or Services accessible through, or provided on this Website, you may be subject to additional posted guidelines, terms, conditions, rules or notices applicable to the same, which are not set forth herein. All such guidelines, terms, conditions, rules and notices shall supplement these Terms and Conditions and are hereby incorporated by reference herein.

Use of Web Site, Services and Content

This Web site and its contents are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local laws or regulations. Further, you may not print, copy, upload, post, publish, modify, display, transfer, resell, reproduce, republish, or distribute this Website or the Content in any way (whether electronically or otherwise), or create other works based on the same, unless expressly authorized by these Terms and Conditions, the provisions on this Website, or otherwise permitted by Payday IRA™ writing.

You are expressly prohibited from taking any action, or using this Website, the Services and the Content in a manner, (a) that is deemed to interfere with, disrupt, or present a risk to the network, software, property, or security of Payday IRA™, its affiliates, its customers, or the Third Party Providers, whether directly or indirectly, or (b) that violates any laws or regulations, or the policies of Payday IRA™ or a Third Party Provider. If it is determined that you are using this Website, the Service or the Content in a manner that violates or is contrary to this Section, Payday IRA™, as well as any affected Third Party Provider, shall have the right, without liability or notice, to suspend or terminate your access or use of the Website, the Service, the Content or any part thereof. You shall be responsible for any liabilities arising from your use of the service that is contrary to, or violates this Section, and you hereby agree to indemnify and hold Payday IRA™, its affiliates and the Third Party Providers harmless from and against any and all claims, damages, charges, fees, expenses, penalties, or other costs (including without limitation reasonable attorney’s fees) that arise there from. If Payday IRA™ or its Third Party Providers, in their sole discretion, believe that you have violated any laws or regulations, either party may forward personally identifiable information to the appropriate authorities for investigation and prosecution.

Equipment

You, at your cost, shall be solely responsible for obtaining and maintaining all hardware, software and communications equipment, and any updates thereto, that are required to access this Website, the Content and the Services.

Registration

Some areas of this Website may require you to provide personal information or register for Services. In any such event, you agree to (a) provide accurate, current and complete information about yourself as requested during the registration (including your e-mail address); and (b) maintain and update your information (including your e-mail address) to keep it accurate, current and complete. You acknowledge that, if any information provided by you is untrue, inaccurate, not current, or incomplete, your rights to use this Site or the Services may be terminated. In no event shall Payday IRA™ or any Third Party Provider be obligated to confirm the accuracy or correctness of the information you provide, and neither shall have any liability relative to the same.

Account Numbers, User IDs and Passwords

All Passwords and User IDs that you select in conjunction with your use of, and access to this Website or the Services must meet the then current policies and guidelines of Payday IRA™, as amended form time to time. In addition to any restrictions found within said policies, Payday IRA™ shall not permit the selection and use of any Password or User ID that it believes, in its sole discretion, to be illegal, to be protected by trademark or other proprietary rights or laws, to be vulgar, to be in violation of any privacy rights, or which is otherwise offensive, or may cause confusion. You acknowledge that the purpose of creating a Password and User ID unique to you is to prevent the unauthorized access to your personal or proprietary information. As such, you should, at all times, keep your account number(s), User ID and/or Password confidential and not disclose them to anyone else. Payday IRA™ and the Third Party Providers shall not be liable for any unauthorized disclosure of or access to your personal propriety information, or from unauthorized access to, or use of this Website or the Services if you fail to maintain the confidentiality of your account number, User ID or Password, whether voluntary or involuntary. You shall be solely responsibility to notify Payday IRA™ of any unauthorized use of your account number(s), User ID, or password or any other breach of security.

Disclaimers

ALL INFORMATION, CONTENT, MATERIALS PRODUCTS AND SERVICES CONTAINED OR PROVIDED ON, OR ACCESSIBLE THROUGH THIS WEBSITE ARE PROVIDED "AS IS" AND “AS AVAILABLE”. Payday IRA™ MAKES NO REPRESENTATION, ENDORSEMENT, OR WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT OF THIRD-PARTY RIGHTS OR FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE. Payday IRA™ DOES NOT WARRANT THE ACCURACY, ADEQUACY, RELIABILITY, TIMELINESS, OR COMPLETENESS OF THE CONTENT OR MATERIALS CONTAINED ON THIS WEBSITE OR THE SERVICES AND/OR PRODUCTS PROVIDED HEREUNDER, OR WARRANT THAT ANY DEFECTS WILL BE CORRECTED. THE ABOVE DISCLAIMER OF WARRANTIES APPLIES TO THE FULLEST EXTENT PERMITTED BY LAW.

Limitation of Liability

AS A CONDITION OF Payday IRA™ PROVIDING THIS WEBSITE, ITS CONTENT, AND THE SERVICES AND PRODUCTS, YOU AGREE THAT Payday IRA™ AND THE THIRD PARTY PROVIDERS SHALL NOT BE LIABLE FOR ANY DAMAGE, LOSS OR LIABILITY, OF ANY NATURE INCURRED, BY YOU AND/OR ANY THIRD PARTY RESULTING FROM: THE USE OF, ACCESS OF, OR INABILITY TO ACCESS THE WEBSITE, THE CONTENT, THE SERVICES, THE PRODUCTS AND THE INTERNET GENERALLY; ANY INTERRUPTION OF SERVICE; ANY LOST DATA, LOST TIME OR OTHER SYSTEM RELATED DAMAGES; DAMAGE OR LOSS OF PROPERTY OR EQUIPMENT; AND/OR ANY ACT OR OMISSION OF ANY THIRD PARTY.

IN ADDITION AND NOT TO LIMIT THE FOREGOING, Payday IRA™ AND THE THIRD PARTY PROVIDERS SHALL NOT BE LIABLE, UNDER ANY CIRCUMSTANCES, TO YOU OR ANY THIRD PARTY, FOR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, RELIANCE, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES (INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOST PROFITS, LOST REVENUES OR COST OF PURCHASING REPLACEMENT SERVICES) ARISING OUT OF OR RELATING TO THIS WEBSITE, THE CONTENT, AND/OR THE SERVICES. IN NO EVENT SHALL Payday IRA™’ LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, BE MORE THAN THE TOTAL AMOUNT OF ANY MONEY Payday IRA™ RECEIVES FROM YOU PURSUANT TO YOUR USE OF THIS WEBSITE, THE SERVICES, THE PRODUCTS, AND/OR THE CONTENT.

NO CAUSE OF ACTION UNDER ANY THEORY WHICH ACCRUED MORE THAN ONE (1) YEAR PRIOR TO THE INSTITUTION OF A LEGAL PROCEEDING MAY BE ASSERTED HEREUNDER OR OTHERWISE.

IN THE EVENT A JURISDICTION DOES NOT ALLOW THE EXCLUSION OR LIMITATION OF WARRANTIES OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SUCH LIABILITIES AND WARRANTIES SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.

Indemnification by User

IN ADDITION TO OTHER INDEMNIFICATION PROVISIONS HEREIN, YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS Payday IRA™, THE THIRD PARTY PROVIDERS AND THE SUBSIDIARIES, AFFILIATES, PARENT COMPANIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS OF THE SAME, FROM AND AGAINST ALL LOSSES, EXPENSES, DAMAGES AND COSTS, INCLUDING REASONABLE ATTORNEYS’ FEES, RESULTING FROM YOUR USE AND ACCESS TO THE WEBSITE, THE CONTENT, THE SERVICES, THE PRODUCTS AND ANY VIOLATION OF THESE TERMS AND CONDITIONS BY YOU.

Other Agreements

These Terms and Conditions shall be subject to any other written agreements you have entered into with InspiraFS, Inc. doing business as Payday IRA™ and, except as expressly set forth herein, in the event of a conflict, the terms of those agreements will govern.

Termination

Payday IRA™ may terminate these Terms and Conditions, your use of this Website the Products and the Services, without further liability, at any time, without notice, for any reason or no reason.

Remedies

Payday IRA™ may seek any available legal remedy or take any reasonable business steps to prevent the unauthorized use of, or access to this Website and the Service, and to prevent access to users who violate these Terms and Conditions. You agree that Payday IRA™ and/or the Third Party Providers would be irreparably harmed if you breach this provision and that monetary damages would be inadequate to remedy such breach. Accordingly, you also agree that specific and injunctive or other equitable relief is the appropriate remedy for such a breach.

Waiver

Any waiver of or failure to enforce any right under or term or provision of these Terms and Conditions by Payday IRA™ shall not be deemed to be a waiver of such right or any other right, term or provision of these Terms and Conditions at any time.

Force Majeure

Payday IRA™ assumes no risk of any event, foreseeable or unforeseeable, and beyond its reasonable control, that has a material effect upon the agreed exchange contemplated herein.

Survival The provisions of these Terms and Conditions that, by their purpose, are intended to survive the termination of the exchange contemplated herein shall so survive. Said provisions shall include, but shall not be limited to, those provisions that include indemnification clauses, limitations on liability, warranty disclaimers.

Severability

event that any portion of these Terms and Conditions are determined to be unenforceable by a court of competent jurisdiction, the remainder of these Terms and Conditions shall not be impaired, affected or invalidated, and the unenforceable term or provision shall be replaced by such enforceable terms or provisions closest to the intention underlying the unenforceable term or condition.

Governing Law and Venue

IRS Rules controlling contributions and distributions will apply to all IRAs directed by you. Use of this Website and the services shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania and the United States of America, without regard to conflict of law principles. You agree that all legal proceedings, whether at law or in equity, related to this Website the Content and/or the Services shall be filed in and adjudicated solely in the state or federal courts located in Pittsburgh, Pennsylvania. You further consent and submit to the exclusive personal jurisdiction and venue of such courts for the purpose of litigating any hereunder.

8 Penn Center West Suite 101 Pittsburgh, PA 15276

866-670-2829

Disclaimer - Privacy Policy - Terms of Use