Privacy Policy

By accessing or using PRS websites in any way, including without limitation, browsing the websites, using any information and/or submitting any content or personal information via the websites, you agree to and are bound by this Privacy Policy. Please read this Privacy Policy carefully prior to using this website.

This Privacy Policy applies to all websites operated by Pacific Retirement Services, Inc. (“PRS”) and its subsidiaries and affiliates; communities managed by PRS Management, Inc. and PRS Management & Consulting, LLC; a Community Housing division for managing affordable housing communities; and the Community Volunteer Network (“PRS websites”).

PRS is a nonprofit, tax exempt organization dedicated to creating and enhancing lifestyle opportunities for seniors by developing, building, and operating nonprofit retirement communities that offer activities, services, and programs that promote health, wellness, and vitality. PRS and its affiliated nonprofit organizations market to seniors for residency as well as to the general public for employment opportunities.

Your privacy is important to PRS. For this reason, PRS provides this Privacy Policy to describe how it collects, uses, shares, and otherwise processes the personal data you share when you visit PRS websites. This Privacy Policy only applies to information collected through PRS websites and not to information collected offline.

This Privacy Policy may change from time to time, and your continued use of PRS websites after PRS makes changes is deemed to be acceptance of those changes. PRS expects that you will check this Privacy Policy periodically for changes.

PRS’ Commitment to Children’s Privacy

PRS websites are not intended for children under thirteen (13) years of age. No one under age 13 should provide any personal information to PRS websites. PRS does not knowingly collect personal information from children under age 13. If you are under age 13, do not use or provide any information to PRS websites, including, but not limited to, your name, email address, mailing address, telephone number, and/or any screen name or user name you use. If PRS learns that it has collected or received personal information from a child under age 13, PRS will delete the information. To learn more about the Children’s Online Privacy Protection Act “COPPA”), visit the Federal Trade Commission COPPA website.

Protected Health Information

Please see PRS’ Notice of Privacy Practices for how PRS handles your Protected Health Information (“PHI”).

How PRS Responds to Do Not Track Signals

California law requires PRS to inform you how PRS responds to web browser Do Not Track (“DNT”) signals. Because there currently is not an industry or legal standard for recognizing or honoring DNT signals, PRS does not respond to them at this time.

Information Collection and Use

PRS collects several types of information from and about users of PRS websites. PRS only collects personally identifiable information (“PII”; for example, your full name, email address, mailing address, and/or telephone number) from you when you voluntarily provide this information to PRS via one of the forms available on PRS websites, such as the forms you fill out when seeking employment or residency. PRS does not otherwise collect any PII from you. If you do not want PRS to have any of your PII, do not submit it to PRS through its websites. When you do provide , PRS may store, process, and use it for the following purposes:

  1. To send you information or other material requested by you;
  2. To assist PRS in improving its products, services, or the content of its websites;
  3. To provide service and support to you;
  4. For PRS’ internal marketing and research purposes;
  5. To carry out PRS’ obligations and enforce its rights arising from any contracts entered into between you and PRS, including for billing and collection;
  6. To notify you about changes to PRS websites or the products or services PRS offers;
  7. To fulfill any other purpose for which you provide it, such as for potential employment or residency;
  8. In any other way PRS describes when you provide your information;
  9. To comply with any court order, law, or legal process, including to respond to any government or regulatory request;
  10. If PRS believes disclosure is necessary or appropriate to protect the rights, property, or safety of PRS, its customers or others; and
  11. For any other purpose with your consent.

PRS websites also collect anonymous information, including, but not limited to, your browser type and/or Internet Protocol (“IP”) address. PRS uses your IP address to help diagnose problems with PRS servers, to administer PRS websites, avoid hacking attacks on PRS servers, and may use it to gather broad demographic information. PRS may share anonymous information, such as demographics, with existing and prospective business partners and advertisers.

PRS websites also use a technology called “cookies”. Cookies are small data files that download onto your computer. The use of cookies is standard on the Internet, and allows PRS to tailor your visits to PRS websites to your individual preferences. PRS may also contract with third party service providers who assign cookies to conduct site tracking for PRS. These companies use cookies solely to provide PRS with data about site traffic. You can change your web browser to prevent cookies or notify you whenever you are sent a cookie.

Data Security

PRS has implemented measures to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to PRS is stored on PRS’ secure servers or its partners’ secure servers behind firewalls. PRS implements data encryption and network security measures to protect your information. Despite these safeguards, the transmission of information via the internet is not completely secure. Although PRS does its best to protect your personal information, PRS cannot guarantee the security of your personal information transmitted to PRS websites. You provide your personal information to PRS websites at your own risk. PRS is not responsible for circumvention of any privacy settings or security measures on PRS websites.

PRS is not responsible and cannot guarantee for the privacy practices of other websites, including those websites linked from PRS websites. Once you leave a PRS website, you are subject to the privacy policy of the website you are currently browsing.

Digital Advertising and Analytics

PRS may partner with ad networks and other ad serving providers (“Advertising Providers”) that serve ads on behalf of PRS and others on non-affiliated platforms. Some of those ads may be personalized, meaning they are intended to be relevant to you based on information Advertising Providers collect about your use of PRS websites and other sites and apps over time, including information about relationships among different browsers and devices. This type of advertising is known as interest-based advertising.

PRS adheres to the Digital Advertising Alliance (“DAA”) Self-Regulatory Principles in connection with this internet-based advertising activity. You may visit the DAA Webchoices tool at www.aboutads.info to learn more about and how to opt out of this type of advertising on websites by companies participating in the DAA self-regulatory program. If you delete your cookies or use a different browser or mobile device, you may need to renew your opt-out choices exercised through the DAA Webchoices tool. Note that electing to opt out will not stop advertising from appearing in your browser or applications. It may make the ads you see less relevant to your interests. Additionally, your browser may offer tools to limit the use of cookies or to delete cookies; however, if you use these tools, PRS websites may not function as intended.

PRS also uses a tool call “Google Analytics” to collect information about use of PRS websites. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. PRS uses the information it gets from Google Analytics only to improve its websites. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. PRS does not combine the information collected through the use of Google Analytics with PII. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit a PRS website, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to PRS websites is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to PRS websites by disabling cookies in your browser.

Third Party Links and Tools

PRS websites may provide links to third party websites or apps, including PRS social media pages. PRS does not control the privacy practices of those websites or apps; therefore, they are not covered by this privacy policy. You should review the privacy policies of other websites or apps that you use.

PRS websites may also contain integrated social medial tools or “plug-ins”, such as social networking tools offered by third parties. If you use these tools to share personal information or otherwise interact with these features on PRS websites, those companies may collect information about you and may use and share such information in accordance with your account settings, including by sharing such information with the general public. Your interactions with third party companies and your use of their features are governed by the privacy policies of those companies. PRS encourages you to thoroughly read the privacy policies of any accounts you create and use.

Retention

PRS processes and stores your personal data only for the period necessary to achieve the purpose of the storage, or as permitted by law. The criteria used to determine the period of storage of PII is the respective statutory retention period.  After expiration of this period, the corresponding data is routinely deleted, as long as it is no longer necessary for the fulfillment of a contract or the initiation of a contract.

Consent and Jurisdiction

The corporate offices of PRS are located in Medford, Oregon. All matters relating to PRS websites and this Privacy Policy and any related dispute or claim arising therefrom shall be governed by and construed in accordance with the laws of the State of Oregon without giving effect to any choice or conflict of law provisions or rules.

Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use and/or PRS websites shall be instituted exclusively in the United States District Court for the District of Oregon located in Medford, Oregon or the courts of the State of Oregon located in and for Jackson County, Oregon. Notwithstanding the foregoing, PRS retains the right to bring any suit, action, or proceeding against you for breach of this Privacy Policy in your country of residence or any other country with jurisdiction. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Limitation on Time to File Claims

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THIS PRIVACY POLICY MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Special Notice to California Residents

California Civil Code permits users of PRS websites that are California residents to request specific information regarding PRS’ disclosure of PII to third parties for their direct marketing purposes. To make such a request, please send an email to prsmedia@retirement.org or write to PRS at: Pacific Retirement Services, Inc., One West Main St., Suite 303, Medford, OR 97501, attn: PRS Media Services.

Opt Out

PRS supports your right to choose. If you decide you do not want to receive communications from PRS, please send an email stating this to: prsmedia@retirement.org.

Updating Your Information

You may request to review, change, or update your contact information by emailing PRS at prsmedia@retirement.org.

Contact Us

PRS websites are operated by Pacific Retirement Services, Inc., One West Main Street, Suite 303, Medford, OR 97501. Comments, feedback, and/or concerns related to PRS websites may be directed to: prsmedia@retirement.org.

Terms of Use

By accessing or using this website in any way, including without limitation, browsing the website, using any information and/or submitting any content or personal information via the website, you agree to and are bound by these Terms of Use. Please read these Terms of Use carefully prior to using this website.

Pacific Retirement Services, Inc. (“PRS”) is a nonprofit, 501(c)(3) organization that includes affiliated and subsidiary organizations; communities managed by PRS Management, Inc. and PRS Management & Consulting, LLC; a Community Housing division for managing affordable housing communities; and the Community Volunteer Network. The terms, conditions, policies, and notices contained in this Terms of Use apply to any and all websites operated by PRS. Any reference to “we”, “us”, and “our” refers to PRS.

PRS reserves the right to change these Terms of Use at any time, at its own discretion, and without direct notice to you. All such changes will be posted to this webpage and are effective immediately at the time of posting. Because any changes to these Terms of Use are binding upon you, PRS expects you to review the Terms of Use from time to time for changes. The Terms of Use applicable to you at any given time are the then-current Terms of Use. By using and/or viewing this or any PRS websites, you accept any changes to the Terms of Use.

PRS websites are open and available to users who reside in the United States or any of its territories or possessions. PRS makes no claims that its websites and/or any of the website content is accessible or appropriate outside of the United States. Access to the PRS websites may not be legal to certain persons or in certain countries. If you access the website from outside of the United States, you do so on your own and are responsible for your compliance with your local laws.

Intellectual Property Rights

All PRS websites, including all of their content, features, functionality, and the design, selection, “look and feel”, and arrangement thereof, are the property of PRS or its licensors, and are protected by United States and international laws governing copyright, trademark, patent, trade secret, and design rights. Any unauthorized use of the content, features, functionality, or the design, selection, “look and feel”, and arrangement thereof, is a violation of PRS’ intellectual property rights. Unless otherwise stated herein, PRS and its suppliers reserve all tacit and direct rights to patents, trademarks, copyrights, or confidential information related to the content of its websites. Unless otherwise stated herein, no website content may be copied, distributed, published, modified, or used in any way, in whole or in part, without prior written agreement from PRS, except as allowed by the limited license contained in these Terms of Use. You may not, and these Terms of Use do not give you permission to, reproduce, reverse engineer, decompile, disassemble, modify, or create derivative works with respect to the PRS websites.

PRS logos, trademarks, and affiliate and subsidiary names appearing on PRS websites, except as otherwise stated, are trademarks owned or used under license by PRS and/or its affiliates in the geographic locations where PRS markets products with such trademarks. The use or misuse of these trademarks or any other content on PRS websites, except as provided in these Terms of Use, is strictly prohibited. Nothing on the PRS websites shall be construed as granting by implication, estoppel or otherwise, any license or right to use any PRS trademark without PRS’ prior written permission.

Specific materials on the PRS websites may be furnished by third parties. Specific products, services, and/or company designations for companies other than PRS may be mentioned on PRS websites for identification purposes only. Third-party trademarks, trade names, logos, and product or service names contained on PRS websites are the trademarks, registered or unregistered, of their respective owners.

Permissible Uses

Unless contraindicated elsewhere on any PRS website, PRS websites content may be downloaded or printed under the following terms and conditions:

  1. For personal, educational, and/or non-commercial purposes and not for public or commercial purposes;
  2. PRS website content may not be modified in any way;
  3. PRS website content may not be distributed, sold, or republished;
  4. Any copyright notices or other ownership notices on the documents, information, and PRS website content shall be preserved in any downloaded or printed copy;
  5. These rights granted to you are part of a limited license agreement and do not establish a transfer of property; and
  6. You may not create a website that frames any PRS website or any trademark or proprietary information located on a PRS website without PRS’ written permission. You may not use metatags or any other type of hidden text using PRS’ name or trademarks on a website without PRS’ written permission.

PRS may withdraw this limited license at any time. The rights given under this limited license do not apply to the design and layout of PRS websites. The design and layout of PRS websites are protected by copyright and other laws, and are the property of PRS. The design and layout of PRS websites may not be copied or reproduced in whole or in part.

 

Prohibited Uses

By using a PRS website, you agree that you shall not:

  1. Use this Site for political campaign activity or lobbying activity as defined in the United States Internal Revenue Code because many PRS affiliates are nonprofit, tax-exempt organizations;
  2. Delete, modify, hack, or attempt to change or alter the website contents;
  3. Attempt to access accounts, computer systems, or networks connected to any PRS servers or its websites through hacking, password mining, or any other means;
  4. Obtain or attempt to obtain any materials or information through any means not intentionally or readily made available through PRS websites;
  5. Use any device, software, or routine intended to damage or otherwise interfere with the proper functioning of PRS websites, servers, or networks connected to PRS websites, or take any other action that interferes with the administration and operation of PRS websites or other parties’ use of PRS websites;
  6. Use any robot, spider, or other automatic or manual device or process for the purpose of harvesting or compiling information on PRS websites for purposes other than for a generally available search engine;
  7. Use any of PRS’ names, service marks, logos, and/or trademarks without prior written consent, including, without limitation, as metatags, search engine keywords, or hidden text;
  8. Use any material or information, including images or photographs, made available through PRS websites in any manner that infringes any copyright, trademark, patent, trade secret, or other proprietary right of any party;
  9. Upload files that contain viruses, trojan horses, worms, time bombs, corrupted files, or any other similar software or programs that may damage the operation of the computer and/or property of another; or
  10. Defame, abuse, harass, stalk, threaten, or otherwise violate the legal rights of any third party.

Social Media

You may link to PRS website homepages as long as you do so in a way that is fair and legal, and does not damage the reputation and/or take advantage of PRS. You must not establish such link in a way that suggests any form of association, approval, and/or endorsement on the part of PRS.

PRS websites may provide social media features that allow you to:

  1. Link from your own or specific third party websites to specific content on PRS websites;
  2. Send emails or other communications with specific content, or links to specific content, on PRS websites; and
  3. Cause limited portions of content on PRS websites to be displayed or appear to be displayed on your own or specific third party websites.

You may use these options as provided solely by PRS and with respect solely to the content they are displayed with, and in accordance with any additional terms and conditions PRS might provide with respect to such options.

Subject to the abovementioned terms and conditions, you must not:

  1. Establish a link from any site that is not owned by you;
  2. Cause PRS websites or portions thereof to be displayed by, or appear to be displayed by, framing, deep linking, in-line thinking, and the like, on any other site; or
  3. Otherwise take any action with respect to the materials on PRS websites that is contraindicated by these Terms of Use.

You agree to cease, or cause to cease, any unauthorized framing and linking immediately. PRS reserves the right to disable any and all social media features and linking without notice.

Site Access

PRS reserves the right to withdraw or amend its websites, and any service and/or material provided on its websites, in its sole discretion without notice. PRS will not be liable if for any reason all or any part of its websites are unavailable for any length of time. At times, PRS may restrict access to some parts of its websites to users, including registered users. You are responsible for making all arrangements necessary for you to have access to PRS websites, and ensuring that all persons who access PRS websites through your internet connection are aware of these Terms of Use and comply with them.

Privacy

Any information collected and/or received from you via PRS websites will be treated in accordance with PRS’ Privacy Policy, which is incorporated by reference. Please review the Privacy Policy before using any and all PRS websites. PRS does not seek, and you must not provide, information detailing or relating to any medical conditions, health information, or illnesses pertaining to you or any other person. If you are unwilling to accept the terms and conditions of the Privacy Policy, please do not use any PRS website.

 

Reliance on PRS Website Information

The information presented via PRS websites is made available by PRS solely for general information purposes. PRS does not warrant the accuracy, completeness, or usefulness of its website information. Any reliance you place on such information is strictly at your own risk. PRS disclaims all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to its websites, or by anyone who may be informed of its contents.

PRS is not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by third parties on PRS websites.

No Medical Advice

PRS websites do not provide medical advice, diagnoses, or recommendations about medical treatment. Further, PRS websites do not recommend or endorse any products or information for any particular medical circumstances. You expressly acknowledge and agree that PRS is not responsible for the results of any decisions made based on your use of its websites.

THE CONTENT OF PRS WEBSITES IS NOT INTENDED IN ANY WAY TO BE A SUBSTITUTE FOR PROFESSIONAL MEDICAL ADVICE AND SHOULD NOT BE RELIED UPON FOR MEDICAL DIAGNOSIS OR TREATMENT. DO NOT DISREGARD MEDICAL ADVICE OR DELAY SEEKING MEDICAL ADVICE DUE TO SOMETHING READ ON PRS WEBSITES. IN AN EMERGENCY, CALL 911 OR YOUR LOCAL EMERGENCY ASSISTANCE NUMBER.

Disclaimers

PRS websites may contain typographical mistakes, inaccuracies, and/or omissions, and from time to time, the information provided may not be complete or current. PRS reserves the right to modify the content of its websites at any time without prior notice.

PRS WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF PRS WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITES, OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON THE WEBSITES, AND/OR ON ANY LINKED SITES.

YOUR USE OF PRS WEBSITES AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITES IS AT YOUR OWN RISK. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, PRS WEBSITES AND ALL CONTENT, MATERIALS, INFORMATION, TOOLS, APPLICATIONS, PRODUCTS, AND SERVICES PROVIDED ON THE WEBSITES ARE PROVIDED ON AN “AS IS, WHERE IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER PRS NOR ANY PERSON ASSOCIATED WITH PRS MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF PRS WEBSITES. WITHOUT LIMITING THE FOREGOING, NEITHER PRS NOR ANYONE ASSOCIATED WITH PRS REPRESENTS OR WARRANTS THAT PRS WEBSITES, THEIR CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT THE SITE OR SERVER THAT MAKES THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE SITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

PRS HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE.

THE FOREGOING DISCLAIMERS DO NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation of Liability

IN NO EVENT SHALL PRS, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR INABILITY TO USE PRS WEBSITES, ANY SITES LINKED TO PRS WEBSITES, ANY CONTENT ON PRS WEBSITES OR SUCH OTHER SITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH PRS WEBSITES OR SUCH OTHER SITES. THIS INCLUDES ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT, INCLUDING NEGLIGENCE, BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORSEEABLE.

THE FOREGOING LIMITATIONS OF LIABILITY DO NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Indemnification

You agree to defend, indemnify, and hold harmless PRS, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses and fees, including reasonable attorneys’ fees, arising out of or relating to your violation of these Terms of Use or your use of PRS websites, use of PRS website content, services, and products other than as expressly authorized in these Terms of Use or your use of any information obtained from PRS websites.

Governing Law and Jurisdiction

The corporate offices of PRS are located in Medford, Oregon. All matters relating to PRS websites and these Terms of Use and any related dispute or claim arising therefrom shall be governed by and construed in accordance with the laws of the State of Oregon without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use and/or PRS websites shall be instituted exclusively in the United States District Court for the District of Oregon located in Medford, Oregon or the courts of the State of Oregon located in and for Jackson County, Oregon. Notwithstanding the foregoing, PRS retains the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your country of residence or any other country with jurisdiction. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Limitation on Time to File Claims

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE SITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Waiver and Severability

No waiver by PRS of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of PRS to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

If a court of law or other tribunal finds any provision of these Terms of Use to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

Entire Agreement

The Terms of Use and the incorporated Privacy Policy constitute the sole and entire agreement between you and PRS with respect to PRS websites and supersede all prior contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to PRS websites.

Contact Information

PRS websites are operated by Pacific Retirement Services, Inc., One West Main Street, Suite 303, Medford, OR 97501. Comments, feedback, and/or concerns related to PRS websites may be directed to: prsmedia@retirement.org.