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WageWorks, Inc. User Agreement

(Updated 10/10/2010)

Terms and Conditions

This agreement affects your rights. Please read it carefully. You will not be able to use the Service unless you consent to this Agreement.

By accepting this Agreement now and each time you place, change or cancel an order or election or perform any transaction related to the Service, you represent that you understand and accept the terms and conditions of this Agreement. This Agreement applies to your use of the WageWorks web site, benefits, data and any related products or services (collectively the "Service").

In this Agreement, "you", "your", "Subscriber", "Subscribers", "user" or "users" means any person using the Service. "WageWorks", "we", "us" and "our" refer collectively to WageWorks, Inc., its affiliates, contractors, officers, employees and agents.

Portions of this agreement regarding particular benefits apply only to those users who are eligible for and/or who enroll for those benefits. Portions of this agreement regarding computer access and electronic communication apply only to those users with computer access.

Any time deadlines indicated in this User Agreement are the minimum for using these Services. Your employer may set different deadlines.

The current version of this Agreement can be viewed at any time under the Help tab on the WageWorks web site.

Privacy

The current version of the Privacy Policy can be viewed at any time under the Help tab on the WageWorks web site.

User Responsibilities

In addition to the user responsibilities described for each benefit below and rules associated with each transaction you perform, you agree to the following:

Profile. You agree to provide true, accurate and complete information in your Profile and to maintain and promptly update it as applicable. You agree not to impersonate any person or use a name that you are not authorized to use. If any information you provide is untrue, inaccurate, not current, or incomplete, without limiting other remedies, we have the right to terminate your use of the Service and to recover from you any costs or losses incurred as a direct or indirect result of the inaccurate or incomplete information. You authorize WageWorks to make any inquiries it considers necessary to validate your profile information.

Mailing address. If your employer/program sponsor selects the option to have you manage your own address updates, then you have the sole responsibility for providing us with a correct and operational mailing address. Many notifications that we normally provide will be made to this address and may not be available by email. We will not be liable for any undelivered benefits or mail, or any costs you incur to maintain a mailing address. You must promptly notify us (in accordance with the monthly order/election deadline for the benefit selected) of any change in your mailing address. If you do not have a U.S. mailing address and wish to provide us with the mailing address of another person who will forward any mail communications to you, you may do so at your own risk. If you provide us with a mailing address, then you consent to the delivery of related information via regular USPS (i.e., unregistered, uncertified, no return receipt).


If your employer/program sponsor selects the option to manage address updates on your behalf, then your employer/program sponsor has the sole responsibility for providing us with a correct and operational mailing address. Many notifications that we normally provide will be made to this address and may not be available by email. We will not be liable for any undelivered benefits or mail, or any costs you incur to maintain a mailing address. Your employer/program sponsor must promptly notify us (in accordance with the monthly order/election deadline for the benefit selected) of any change in your mailing address. If you do not have a U.S. mailing address and wish to provide your employer/program sponsor with the mailing address of another person who will forward any mail communications to you, you may do so at your own risk. If you provide your employer/program sponsor with a mailing address, then you consent to the delivery of related information via regular USPS (i.e., unregistered, uncertified, no return receipt).

Email address. You have the sole responsibility for providing us with a correct and operational email address. Many notifications that we normally provide will be made to this email address and may not be available by mail. We will not be liable for any undelivered email communications or any costs you incur for maintaining Internet access and an electronic mail account. You must promptly notify us of any change in your email address. If you do not have an email address and wish to provide us with the email address of another person who will forward any email communications to you, you may do so at your own risk. If you provide us with an email address, then you consent to the transmission of related information via unsecured electronic mail.

Hacking. If you use or attempt to use the Service for other purposes including but not limited to tampering, hacking, modifying or otherwise corrupting the security or functionality of the Service, your account will be terminated and you will be subject to damages and other penalties, including criminal prosecution where available.

Protecting Against Unauthorized Use. You agree to keep your User Name and Password (collectively "Access ID") confidential and to contact us IMMEDIATELY if you have any reason to believe that another person has obtained or has the means to obtain your Access ID. You agree that you will not reveal your Access ID to any other person, or take actions that could cause your Access ID to be revealed to any person, whether intentional or not (e.g., writing down your Access ID in a document easily seen by others, using an unsecured electronic mailing to transmit your Access ID, providing your Access ID to your administrative assistance to check your account balance). Do not reveal your Access ID to any person who contacts you (e.g., who calls you or sends you an electronic mail) even if that person claims to be from WageWorks. Our customer service agents may request your Access ID to verify your identity, but only on a telephone call that you have placed to us. If we believe that someone else other than you is accessing or modifying your account information or calling us claiming to be you, we will immediately take action to protect your account, including deactivating your account and/or notifying you.

Fees

If your employer/program sponsor so directs, you will be solely and personally responsible for payment to WageWorks of any fees associated with WageWorks' administration of your account. You acknowledge and agree that fees will be charged for any month that an account exists. An account is considered to exist once you enroll. WageWorks will continue to assess administrative fees to the account unless (i) the coverage end date has been reached, (ii) the account has a zero balance, and (iii) there is no claim or card activity associated with the account. In addition, WageWorks reserves the right to assess additional fees directly to you for any services you request that are outside the scope of services agreed to with your employer (such as for stopping payment on and reissuing a reimbursement or direct payment check).

Electronic Delivery and Communication

By using this Service, you agree to form a contractual relationship with your employer and/or WageWorks using electronics means. To the fullest extent permitted by applicable law, this Agreement and any other agreements, notices or other communications regarding your account and/or your use of the Service ("Communications"), may be provided to you electronically and you agree to receive Communications in an electronic form. Electronic Communications may be posted on the pages within the WageWorks web site and/or delivered to your electronic mail address. All Communications in either electronic or paper format will be considered to be in "writing," and to have been received no later than five (5) business days after posting or dissemination, whether or not you have received or retrieved the Communication. We reserve the right but assume no obligation to provide Communications in paper format. Your consent to receive Communications electronically is valid until you revoke your consent by terminating this Agreement.

Advantages and Disadvantages

Use of the Service may produce significant tax savings to you because the amounts deducted from your wages on a pre-tax basis (up to the Federally permitted limit for the benefit selected) are not subject to federal taxes, most state income taxes, Social Security (FICA) and Medicare. Your actual savings will depend on your personal situation. There is no guarantee you will save money by using the Service. Pre-tax payroll deductions reduce your taxable income and may affect other compensation-based benefits such as life, disability and Social Security. You should consult your tax advisor if you have any questions regarding your personal situation.

Limitation On Availability

The availability of the Service may be subject to interruption and delay due to causes beyond our reasonable control (e.g., power outages, acts of nature, acts of war or terrorism) and causes within our reasonable control (e.g., routine maintenance). We are not liable for damages due to interruption or delay in the availability of the Service.

Changes To This Agreement

We may amend this Agreement at any time by posting the amended terms to the WageWorks web site. Amendments will generally be effective immediately without notice to you unless required by applicable law. In such instances, those amendments will be effective on the effective date stated in such notice. Your continued use of the Service constitutes acceptance of the amended terms. If you do not agree to the amended terms, you may terminate your use of the Service by contacting us. You may request a paper copy of this Agreement as amended at any time by calling our toll free number. This Agreement was last modified on 10/10/2010.

Trademarks

"WageWorks", and its logo are registered trademarks of WageWorks, Inc. MasterCard is a registered trademark of MasterCard International. Other marks may be owned by their respective holders. No license for these marks is granted to any end-user.

License

The WageWorks web site, data and other contents, paper forms, brochures and materials, downloadable documents, and the Services are copyrighted and/or proprietary properties of WageWorks. During the term of this Agreement, we grant to you a non-exclusive, non-transferable, limited license to use the Service at such time as it is generally available solely in accordance with the terms of this Agreement. You agree not to alter or remove any copyright or other proprietary notices or any disclaimers included within the Service.

Term And Termination

This Agreement will remain in force until terminated. You may terminate this Agreement by contacting us via electronic mail or our toll free number. We may terminate this Agreement at any time without notice to you, and will do so if your employer determines that you are no longer eligible to use the Service, if your employer ceases to be a client of WageWorks, or if there is a material breach of any provision of this Agreement. Other than in the case of fraud, termination will have no impact on any payments outstanding.

Not a Bank

You acknowledge that (1) the Service is not a banking service, (2) Service accounts are not insured by any government agency of any nation, and (3) the Service is not subject to banking regulations.

Disclaimer of Warranty

Notwithstanding any other provision of this agreement, the service is provided "as is" with no warranty whatsoever expressed or implied, including, without limitation, warranties of availability, reliability, usefulness, course of performance, non-infringement, merchantability or fitness for a particular purpose.

Limitation of Liability

With the exception of actual damages caused by its own willful misconduct or fraud, WageWorks is not liable for any losses or damages to you or any other person as a consequence of your use of the service, including, without limitation, incidental, special or consequential damages under any theory of liability, even if we have been advised of the possibility of such damages. WageWorks is not responsible for services provided or to be provided by third parties (such as providers of public transportation, vanpool, parking, health care and dependent care products or services).

Other Provisions

This Agreement may not be assigned, sublicensed or otherwise transferred by you. Should any provision of this Agreement be held to be unenforceable by a court of competent jurisdiction, the validity and enforceability of the other provisions shall not be affected thereby. Failure of any party to enforce any provision of this Agreement shall not constitute or be construed as a waiver of such provision or of the right to enforce such provision. All remedies are independent of each other.

This Agreement shall be governed by and construed under the laws of the State of California without regard to conflicts of laws provisions. You hereby consent to the jurisdiction of the state courts of California and the federal courts within the state with respect to any claim relating to this Agreement. The Disclaimer of Warranty, Indemnity and the Other Provisions sections of this Agreement shall survive the termination of this Agreement. The terms specified herein set forth the entire understanding and Agreement between WageWorks and you and supersede any prior or contemporaneous oral or written agreements or representations.


Contact Information

For assistance, contact WageWorks customer service at (877) 924-3967 or (877) WageWorks.


Benefit Information

The benefit information in this Agreement is only relevant if you are eligible and/or enroll for a particular benefit, as offered to you by your employer. Your employer determines your eligibility for each benefit. Not all employers offer all of the benefits listed:

  • Public Transportation & Vanpool
  • Parking
  • Health Care Account (Flexible Spending Account or Health Reimbursement Arrangement)
  • Health Savings Account
  • Dependent Care Account
  • Any Other Program, Product or Service


Public Transportation & Vanpool

Funds. The Public Transportation and Vanpool benefits program allows you to pay for eligible public transportation and vanpool expenses with pre-tax money. Your employer does not set aside any amounts in a bank, trust, or any other accounts. All payments shall be paid out of the general assets of the employer. You have no right to any of your employer's assets or the assets of WageWorks.

Available funds. Your employer's pre-tax benefit program (and not this Agreement) determines the amount of funds available for your use at any given time and the source of those funds.

Deadlines. The deadline for ordering, changing your order, canceling your order and/or changing your mailing address is clearly indicated when you place your order. You are solely responsible for adhering to all applicable deadlines.

Undelivered orders. If you order a tangible transportation pass, you can expect to receive your order by the first day of the benefit month for which the order was placed. If you do not receive your order by the first day of the benefit month, you must contact WageWorks to report the missing order within the first 3 business days of that month. If your employer's plan provides for reimbursement of undelivered orders, you will be instructed to purchase your exact order directly from your public transportation or vanpool service and then submit proper documentation to get reimbursed by WageWorks. Reimbursement will be made via the standard method selected by your employer. WageWorks reserves the right to not issue reimbursements for any pass that does not arrive: (1) due to an errant or incomplete mailing address provided by you or your employer, (2) because your mail was forwarded, or (3) at an office building mail stop, PO Box or other non-residence. Failure to report an undelivered order in a timely manner may result in your not qualifying to get reimbursed for an undelivered order.

Payment to vanpool service providers. Our sole responsibility is to deliver payment to the vanpool service provider indicated by you. We will deliver such payments electronically when possible, or otherwise via the USPS. You are still legally responsible for the bill. The use is not an "assignment of claims" (i.e., neither your employer nor WageWorks has any liability towards your vanpool provider).

No refund, resale or return. You agree that you will not sell, barter, exchange or otherwise transfer to any other person for cash or other consideration goods or services obtained through use of the Service. You agree not to return goods and services to your provider for cash or any other consideration other than for direct exchange of damaged or defective goods. You understand that WageWorks will not refund or credit your account, or seek a refund or credit on your behalf. You agree that you will not solicit or accept a refund or credit from any party for payments made from your account unless you return those funds to your account.

Penalties for misuse. In addition to other legal remedies, your refusal to follow the terms of this Agreement or provision of false or fraudulent statements regarding the items or services you have purchased may result in disciplinary action by your employer including, but not limited to, termination of your use of the Service, termination of participation from the Plan, or termination of employment. The tax authorities may also initiate tax collections against you.

Fare Media Pricing. Transit fare media pricing is established by the transit agency. If the price of the transit fare media (e.g., transit pass or ticket) you order is modified by the transit agency, WageWorks will modify the pricing of such fare media to incorporate the changed pricing. Such price change will be reflected in subsequent payroll deduction requests to your employer (if applicable).

Transit Pass Conversion. If there are cases where a transit agency eliminates a transit product that you have on order with WageWorks, WageWorks will modify your order to a replacement product that most closely corresponds to the pass that is eliminated.


Parking

Funds. The Parking program allows you to pay for eligible parking with pre-tax money. Your employer does not set aside any amounts in a bank, trust, or any other accounts. All payments shall be paid out of the general assets of the employer. You have no right to any of your employer's assets or the assets of WageWorks.

Available funds. Your employer's pre-tax benefit program (and not this Agreement) determines the amount of funds available for your use at any given time and the source of those funds.

Deadlines. The deadline for placing, changing or canceling your parking order is clearly indicated when you place your order. You are solely responsible for adhering to all applicable deadlines.

Payment to parking service providers. Our sole responsibility is to deliver payment to the parking service provider indicated by you per the requested payment schedule. We will deliver such payments electronically when possible, or otherwise via the USPS. You are still legally responsible for the bill. The use is not an "assignment of claims" (i.e., neither your employer nor WageWorks has any liability towards your parking provider).

No refund, resale or return. You agree that you will not sell, barter, exchange or otherwise transfer to any other person for cash or other consideration goods or services obtained through use of the Service. You agree not to return goods and services to your provider for cash or any other consideration other than for direct exchange of damaged or defective goods. You understand that WageWorks will not refund or credit your account, or seek a refund or credit on your behalf. You agree that you will not solicit or accept a refund or credit from any party for payments made from your account unless you return those funds to your account.

Penalties for misuse. In addition to other legal remedies, your refusal to follow the terms of this Agreement or provision of false or fraudulent statements regarding the items or services you have purchased may result in disciplinary action by your employer including, but not limited to, termination of your use of the Service, termination of participation from the Plan, or termination of employment. The tax authorities may also initiate tax collections against you.


Health Care Account (Flexible Spending Account or Health Reimbursement Arrangement)

Plan document. Your employer's plan is governed by a plan document. You can request to review the Plan Document or obtain a Summary Plan Description (SPD) from your employer.

Funds. The Health Care Account allows you to pay for eligible health care products and services with pre-tax money. Unless noted in your employer's plan, your employer does not set aside any amounts in a bank, trust, or any other accounts. All payments shall be paid out of the general assets of the employer. You have no right to any of your employer's assets or the assets of WageWorks.

Available funds. Your employer's plan (and not this Agreement) determines the amount of funds available for your use at any given time and the source of those funds.

Eligible expenses. The law provides that only those products and services that are medically necessary may be paid from your Health Care Account. You can view a complete list of eligible expenses by logging in with your user name and password to www.wageworks.com. We reserve the right to verify that Health Care Account funds are used to pay for eligible health care purchases and services received by you or any of your eligible dependents during your coverage period by requesting supporting information from you and/or by contacting your providers.

No refund, resale or return. You agree that you will not sell, barter, exchange or otherwise transfer to any other person for cash or other consideration goods or services obtained through use of the Service. You agree not to return goods and services to your provider for cash or any other consideration other than for direct exchange of damaged or defective goods. You understand that WageWorks will not refund or credit your account, or seek a refund or credit on your behalf. You agree that you will not solicit or accept a refund or credit from any party for payments made from your account unless you return those funds to your account.

Penalties for misuse. This program is governed by Federal law, which is enforced by the Internal Revenue Service and other tax authorities. In addition to other legal remedies, your refusal to follow the terms of this Agreement or provision of false or fraudulent statements regarding the items or services you have purchased may result in disciplinary action by your employer including, but not limited to, deactivation of your Health Care Card, termination of your use of the Service, termination of participation from the Plan, or termination of employment. The tax authorities may also initiate tax collections against you.

Health Care Notice. THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW CAREFULLY. In order for WageWorks and any affiliated service providers to process your request for a payment of health care claims (including the use of the Health Care Card), certain personally identifiable information may be passed between and among these entities. By enrolling in and requesting the Services, you are authorizing the disclosures of such information among the entities. For example, your use of the Health Care Card results in the same exchange of data over the card processing network as when you use a personal credit card. We take your health care privacy seriously and do not disclose any individually identifiable health information unless your employer requests it under legitimate circumstances, or you have given us written consent. We may also contact your service provider to request clarification or additional information to process your claim. Your use of the Services is an explicit consent and authorization for us to obtain such information.


Health Savings Account (HSA)

The benefit information in this section is only relevant if you are eligible and/or enroll for this HSA benefit through WageWorks, as offered to you by your employer.

Account establishment. You will need to complete an HSA account application process (online or on paper) to establish your HSA and before any funds can be deposited into your HSA. To open that account, you will need to agree to a custodian/trustee agreement with the custodian bank in order to establish the HSA.

Account portability. Your Health Savings Account is fully portable; you can take your funds with you at any time. Similarly, you can continue to maintain your Health Savings Account through WageWorks indefinitely. Refer to your custodian/trustee agreement regarding procedures and any fees associated with closing your account or maintaining your account independently. An account maintenance fee will be charged directly to your account each month if your employer does not agree to pay the fees after you terminate employment. Your account will be suspended or closed if there is negative balance for more than 3 months. WageWorks will contact you at 30 day, 60 day and 90 day increments via email and/or written communication to request that you contact Customer Service regarding balance due and management of the account.

Available funds. The amount of funds available to make payments and disbursements from your Health Savings Account is based on the account balance of your non-invested funds as reported by the Trustee as of the end of the prior business day. You are solely responsible for directing money from your investments to your HSA bank account to make funds available for this purpose. All deposits and withdrawals are to be made out of your Health Savings Account.

To view the fund prospectuses, which contain information on investment objectives, charges, fees, and expenses, call 1-877-924-3967. Please read and consider the information in the prospectuses carefully before investing. This user agreement is not an offer to sell or a solicitation to buy any securities. Any offer to sell mutual fund shares may only be made by the relevant fund's prospectus. Mutual fund shares are not deposits or obligations or guaranteed or endorsed by any bank, nor are they federally insured or otherwise supported by the FDIC or any other governmental agency, and may lose value. WageWorks is not associated with such funds or the depository institution in any way.

Eligible expenses. The law provides that only those products and services that are medically necessary may be paid from your Health Savings Account on a pre-tax basis. You can view a complete list of eligible expenses at www.wageworks.com/hclist. While WageWorks will provide you with information regarding disbursements and payments that appear to be related to eligible expenses, you are responsible for determining the use of your Health Savings Account funds and we recommend, per IRS guidelines, that they be used for medically approved expenses (IRS Publication 502).

IRS requirements. As the owner of a Health Savings Account, you are solely responsible for the completion and submission of all required HSA tax forms to the IRS each year. Your account custodian will send you completed IRS Forms 1099-SA and 5498-SA to report your contributions and disbursements for your use in completing the required tax forms.

No refund, resale or return. You agree that you will not sell, barter, exchange or otherwise transfer to any other person for cash or other consideration goods or services obtained through use of the Service. You agree not to return goods and services to your provider for cash or any other consideration other than for direct exchange of damaged or defective goods. You understand that WageWorks will not refund or credit your account, or seek a refund or credit on your behalf. You agree that you will not solicit or accept a refund or credit from any party for payments made from your account unless you return those funds to your account.

Penalties for misuse. This program is governed by Federal law, which is enforced by the Internal Revenue Service and other tax authorities. In addition to other legal remedies, your refusal to follow the terms of this Agreement or provision of false or fraudulent statements regarding the items or services you have purchased may result in disciplinary action by your employer including, but not limited to, deactivation of your Health Care Card, termination of your use of the Service, termination of participation from the Plan, or termination of employment. The tax authorities may also initiate tax collections against you.

Health Care Notice. THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED TO WAGEWORKS. PLEASE REVIEW CAREFULLY. When you use Health Care Card to access your HSA, certain medical information (such as the drug you purchased or the doctor you visited) will be transmitted to WageWorks, in the same manner that it would had you used a personal credit card. We take your health care privacy seriously and do not disclose any individually identifiable health information unless you have given us written consent. Your use of the Services is an explicit consent and authorization for us to obtain and hold such information.


Dependent Care Account

Plan document. Your employer's plan is governed by a plan document. You can request to review the Plan Document or obtain a Summary Plan Description (SPD) from your employer.

Funds. The Dependent Care Account allows you to pay for eligible dependent care products and services with pre-tax money. Unless noted in your employer's plan, your employer does not set aside any amounts in a bank, trust, or any other accounts. All payments shall be paid out of the general assets of the employer. You have no right to any of your employer's assets or the assets of WageWorks.

Available funds. Your employer's pre-tax benefit plan (and not this Agreement) determines the amount of funds available for your use at any given time and the source of those funds.

Eligible expenses. The law provides that only those dependent care services that are work-related may be paid from your Dependent Care Account. You can view a complete list of eligible expenses at www.wageworks.com/dclist. We reserve the right to verify that Dependent Care Account funds were used to pay for eligible dependent care services received by you or any of your eligible dependents during your coverage period by requesting supporting information from you and/or by contacting your providers.

No refund, resale or return. You agree that you will not sell, barter, exchange or otherwise transfer to any other person, for cash or other consideration, the services obtained through use of the Service. You agree not to refused services and ask for cash refunds or any other services, or for services to be provided at another time. You understand that WageWorks will not refund or credit your account, or seek a refund or credit, or otherwise negotiate with your provider on your behalf. You agree that you will not solicit or accept a refund or credit from any party for payments made from your account (e.g., eBay®) unless you return those funds to your account.

Penalties for misuse. The Service provides you with access to funds set aside by you on a pre-tax basis. These funds belong to your employer, and governed by Federal law. The Internal Revenue Service and other tax authorities enforce these laws. In addition to other legal remedies, your refusal to follow the terms of this Agreement or provision of false or fraudulent statements regarding the items or services you have purchased may result in disciplinary action by your employer including, but not limited to, termination of your use of the Service, termination of participation from the Plan, or termination of employment. The tax authorities may also initiate tax collections against you.


Any Other Program, Product or Service

Program document. Your employer/program sponsor's program may or may not be governed by a program document. If such a document exists, WageWorks by contract must follow the document, and cannot change the content or the interpretation of it.

Funds. The program allows you to pay for eligible products and/or services with pre-tax and/or post-tax money per the program information available on this site. Unless noted in your employer/program sponsor's program, your employer/program sponsor does not set aside any amounts in a bank, trust, or any other accounts. All payments shall be paid out of the general assets of the employer/program sponsor. You have no right to any of your employer/program sponsor's assets or the assets of WageWorks.

Available funds. Your employer/program sponsor's program (and not this Agreement) determines the amount of funds available for your use at any given time and the source of those funds.

Eligible expenses. You can view a complete list of eligible expenses associated with any program on this site. We reserve the right to verify that program funds were used to pay for eligible services received by you or any of your eligible dependents during your coverage period by requesting supporting information from you and/or by contacting your providers.

No refund, resale or return. You agree that you will not sell, barter, exchange or otherwise transfer to any other person for cash or other consideration goods or services obtained through use of the Service. You agree not to return goods to the merchant for cash or any other consideration other than for direct exchange of damaged or defective goods. You agree not to ask for cash for services that you ordered but did not accept. You understand that WageWorks will not refund or credit your account, or seek a refund or credit, or otherwise negotiate with the merchant or vendor on your behalf. You agree that you will not solicit or accept a refund or credit from any party (e.g., on eBay) for payments made from your account unless you return those funds to your account.

Penalties for misuse. The Service provides you with access to funds set aside by you on a pre-tax basis. These funds belong to your employer/program sponsor, and governed by Federal law. The Internal Revenue Service and other tax authorities enforce these laws. In addition to other legal remedies, your refusal to follow the terms of this Agreement or provision of false or fraudulent statements regarding the items or services you have purchased may result in disciplinary action by your employer/program sponsor including, but not limited to, termination of your use of the Service, termination of participation from the Plan, or termination of employment. The tax authorities may also initiate tax collections against you.