Disability Benefits 101 operates its "Fourms" bulletin board for the convenience of its users. In addition to these terms of service, Disability Benefits 101's disclaimers and privacy policy apply to the Forums.

Considering the real-time nature of the Disability Benefits 101 Forums, it is impossible for us to review messages or confirm the validity of information posted. We do not vouch for or warrant the accuracy, completeness or usefulness of any message, and are not responsible for the contents of any message. Each message expresses the views of its author. Any user who feels that a posted message is objectionable is encouraged to contact us by e-mail.

Disability Benefits 101 reserves the right to delete any message for any or no reason at all. You remain solely responsible for the content of your messages, and you agree to indemnify and hold harmless Disability Benefits 101 and its agents with respect to any claim based upon transmission of your messages.

You agree, through your use of this service, that you will not use this site to post any material which is knowingly false and/or defamatory, inaccurate, abusive, vulgar, hateful, harassing, obscene, profane, threatening, invasive of a person's privacy, or otherwise in violation of any law. You agree not to post any copyrighted material. You agree that all posts made to this site become the property of Disability Benefits 101.

Disability Benefits 101 also reserves the right to reveal your identity (or whatever information we know about you) in the event of a complaint or legal action arising from any message posted by you.

Advertisements, chain letters, pyramid schemes, and solicitations are inappropriate and forbidden on Disability Benefits 101.

Any behavior contrary to these terms may be grounds for permanent expulsion from the Forums, at the sole discretion of Disabilty Benefits 101.

You must be 13 years of age or older to register on the Disability Benefits 101 Forums site, in accordance with the Children's Online Privacy Protection Act of 1998 (COPPA). DO NOT REGISTER UNLESS YOU ARE AT LEAST 13 YEARS OF AGE. We are not permitted by law to collect information about people under the age of 13 without proof of parental consent, and therefore choose not to accept registrations of those under the age of 13.

Keep in mind that all posts made to our Forums may be visible to the world at large via the Internet. Be careful about what personal information you choose to post on the Forums.