Terms of Use

Agreement to Terms

By accessing or using FSASPEND (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our Site.

Description of Service

FSASPEND provides educational content and interactive tools to help users understand Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs). Our services include:

• Educational articles about HSA and FSA accounts
• Interactive eligibility and decision-making tools
• General information about eligible expenses

Educational Purpose Only

All content on this Site is for general educational and informational purposes only. The information provided:

• Does NOT constitute medical, tax, legal, or financial advice
• Does NOT create a professional-client relationship
• Should NOT be used as a substitute for professional advice
• May NOT reflect your specific plan rules or circumstances

You should always consult with qualified professionals (tax advisors, financial planners, healthcare providers) and your plan administrator before making decisions about your HSA or FSA.

No Professional Relationship

Your use of this Site does not create any professional relationship between you and FSASPEND. We are not your financial advisor, tax professional, attorney, or healthcare provider. Any decisions you make based on information from this Site are made at your own risk.

Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no warranties or representations about:

• The accuracy, completeness, or reliability of any content
• Whether information applies to your specific situation
• IRS rules, contribution limits, or eligibility requirements (which may change)
• Your specific employer's plan rules or restrictions

Limitation of Liability

To the fullest extent permitted by law, FSASPEND shall not be liable for any:

• Direct, indirect, incidental, or consequential damages
• Loss of profits, data, or other intangible losses
• Damages resulting from your use of or inability to use the Site
• Damages resulting from decisions made based on Site content
• Tax penalties, denied reimbursements, or other financial consequences

This limitation applies regardless of the legal theory (contract, tort, negligence, or otherwise).

Intellectual Property

All content on this Site, including text, graphics, logos, and software, is the property of FSASPEND or its content suppliers and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

User Conduct

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Site
• Interfere with or disrupt the Site or servers
• Scrape, crawl, or collect data from the Site without permission

Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the content, privacy practices, or availability of these external sites. Inclusion of any link does not imply endorsement.

Indemnification

You agree to indemnify and hold harmless FSASPEND, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Site or violation of these Terms.

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Site constitutes acceptance of the modified Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

Contact Us

If you have questions about these Terms, please contact us at: [email protected]