Copyright Information
The following are terms of a legal agreement between you and SAGE Scholars, Inc. and/or SAGE CTB, LLC,
and or First Benefits LLC, (SAGE or we). By accessing, browsing and/or using this site ("Site"), you
acknowledge that you have read, understood, and agree, to be bound by these terms and to comply with
all applicable laws and regulations, including U.S. export and re-export control laws and regulations.
If you do not agree to these terms, do not use this Site. The material provided on this Site is protected
by law, including, but not limited to, United States Copyright Law and international treaties. This
Site is controlled and operated by SAGE from its offices within the United States. SAGE makes no representation
that materials in the Site are appropriate or available for use in other locations, and access to them from
territories where their contents are illegal is prohibited. Those who choose to access this Site from other
locations do so on their own initiative and are responsible for compliance with applicable local laws.
Any claim relating to, and the use of, this Site and the materials contained herein is governed by the laws of the Commonwealth of Pennsylvania.
Use Restrictions
The copyright in all material provided on this Site is held by SAGE or by the original creator of the
material. Except as stated herein, none of the material may be copied, reproduced, distributed, republished,
downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to,
electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of
SAGE or the copyright owner. Permission is granted to display, copy, distribute and download the materials
on this Site for personal, non-commercial use only, provided you do not modify the materials and that you
retain all copyright and other proprietary notices contained in the materials. This permission terminates
automatically if you breach any of these terms or conditions. Upon termination, you must immediately destroy
any downloaded and printed materials. You also may not, without SAGE’s permission, "mirror" any material
contained on this Site on any other server. Any unauthorized use of any material contained on this Site
may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations
and statutes.
Limitation of Liability
UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL SAGE SCHOLARS INC. AND/OR SAGE
CTB LLC. AND OR FIRST BENEFITS LLC BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL
DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOSS OF DATA OR PROFIT, ARISING OUT OF THE USE, OR THE INABILITY
TO USE, THE MATERIALS ON THIS SITE, EVEN IF SAGE SCHOLARS INC. AND/OR SAGE CTB LLC., FIRST BENEFITS LLC
OR A SAGE SCHOLARS INC. AND/OR SAGE CTB LLC. AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY
OF SUCH DAMAGES. IF YOUR USE OF MATERIALS FROM THIS SITE RESULTS IN THE NEED FOR SERVICING, REPAIR OR
CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ANY COSTS THEREOF. SOME STATES DO NOT ALLOW THE EXCLUSION
OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT
APPLY TO YOU.
Term of Use Revisions
SAGE may at any time revise these Terms of Use by updating this posting. By using this Site, you agree to be
bound by any such revisions and should therefore periodically visit this page to determine the then current
Terms of Use to which you are bound.