1. Introduction Welcome to Federal Benefits, LLC. These Terms and Conditions govern your use of our mobile application and associated services, which provide investment recommendations and informational bulletins specifically tailored for federal employees.

2. Acceptance of Terms By accessing and using our application, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree to these terms, please do not use our services.

3. Service Description Federal Benefits, LLC provides:

• Licensed investment advice tailored to federal employees.
• Regular news bulletins related to investment opportunities and updates that may affect federal employee benefits.

4. User Obligations You agree to:

• Use our services only for lawful purposes and in compliance with applicable law.
• Ensure the accuracy of the information you provide us.
• Maintain the confidentiality of your account details and notify us immediately of any unauthorized use of your account.

5. Intellectual Property Rights All content provided through our services, including text, graphics, logos, images, and software, is the property of Federal Benefits, LLC or its content suppliers and protected by intellectual and proprietary rights laws.

6. Disclaimer of Warranties Our services are provided “as is” and “as available” without warranty of any kind, either express or implied. We do not guarantee that our services will always be safe, secure, or error-free or that they will function without disruptions, delays, or imperfections.

7. Limitation of Liability Federal Benefits, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your access to or use of, or inability to access or use the services.

8. Indemnification You agree to indemnify and hold harmless Federal Benefits, LLC, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including, without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of our services or your violation of these Terms and Conditions.

9. Changes to Terms and Conditions We reserve the right to modify these Terms and Conditions at any time. You should review the Terms periodically for changes. Your continued use of the application after such modifications constitutes your acceptance of the new Terms and Conditions.

10. Governing Law These Terms and Conditions shall be governed by and construed in accordance with the laws of the state in which Federal Benefits, LLC is registered, without regard to its conflict of law provisions.

11. Contact Us For any questions or concerns regarding these Terms and Conditions, please contact us at support@fers-employees.com. Federal Benefits, LLC does not seek or use government funding: we are not a government agency.

12. Template for Ad Opt-In Terms of Acceptance for Calls and Texts

By opting into our communications, you agree to the following terms:

• Consent to Communications: You hereby consent to receive communication from our company through emails, autodialed and/or pre-recorded telemarketing calls, AI calls, and text messages (including SMS and MMS) from or on behalf of FERS, LLC & Federal Benefits, LLC and our affiliated partners at the telephone number provided, including your wireless number, if applicable. You understand that consent is not a condition of purchase.
• Frequency of Messages: You acknowledge that the frequency of messages from FERS, LLC & Federal Benefits, LLC may vary. Standard message and data rates may apply to text messages.
• Third-Party Communication: You agree that FERS, LLC & Federal Benefits, LLC and its trusted partners may contact you for marketing, promotional, and other purposes related to the services or products you have expressed interest in or that we believe may be of interest to you.
• Opt-Out Option: You understand that you can withdraw your consent at any time by replying STOP to any text message or by contacting us at FERS, LLC & Federal Benefits, LLC. For assistance, you can reply HELP.
• Privacy Policy: Your information will be used in accordance with our Privacy Policy, which explains how we collect, use, and protect your data, as well as how we share it with trusted third parties. Please review our Privacy Policy for more information.
• Changes to Terms: We reserve the right to amend these terms at any time. Your continued participation in our communications program following any changes signifies your acceptance of those changes