Portions of Site are © 2010 Levi, Ray & Shoup, Inc. (LRS) and licensed to ERFC
pursuant to a license agreement between LRS and ERFC.
If you do not agree with these Terms and Conditions regarding electronic access issues,
you may not access or otherwise use this Site. If you have any questions regarding these
Terms and Conditions, please contact ERFC (click on the Contact ERFC link at the
bottom of the ERFCDirect Login page for contact information).
Use of ERFCDirect
This Agreement takes effect when the ERFC member, benefit recipient, or legal
representative registers a Username and Password. Termination of this Agreement
occurs when ERFC denies user access to the Site or otherwise decides to terminate the
Agreement, which ERFC may elect to do at any time, for any reason. This Agreement may
be amended at any time by posting the Agreement as amended on this Site. Your continued
use of this Site shall indicate your acceptance of the Agreement, as amended.
You are responsible for the confidentiality and use of your password. For your
safety, never disclose your password to anyone. ERFC will never request your
user-defined Username or Password in any form of communication other than as
required by one of the following three ERFCDirect prompts: Registration, Login,
and Forgot Your Password. If you have any evidence or suspect any unauthorized use
of your password or account, or any other security violation, you must immediately
This Amendment incorporates the ERFCDirect Privacy and Security Policy, and by
accepting this Agreement you acknowledge that you have read and understand that Policy.
When accessing your ERFCDirect account, never leave your computer unattended.
It is also highly recommended that you close your Internet browser (e.g. Internet
Explorer, Firefox) upon exiting/signing out from your account.
It is your responsibility to confirm any changes that you have made through this
site by reviewing your printed monthly pay statement or confirmation e-mail sent by
ERFCDirect depending on the information update.
When you provide information to ERFC through the Site, you agree to provide true,
accurate, current and complete information about yourself. You also agree not to
impersonate any person or entity, misrepresent any affiliation with another person,
entity or association, or conceal your identity from ERFC for any purpose.
You shall not attempt to or actually disrupt, interfere with, or alter the Site or
Site content, nor shall you allow other persons to do the same. You shall not
directly or indirectly collect or attempt to collect any information about others,
including passwords, account or other information.
The Site is provided by ERFC on an 'as is' and 'as available' basis. To the full extent
permissible by applicable law, ERFC disclaims all warranties, expressed or implied.
The information provided on the Site should not be solely relied upon, as it is based
on currently available information that is subject to change. ERFC, and its Trustees
and employees, will not be liable for any errors in its content, or for any investment
decisions or other actions that you take based on it. You should not rely on this
information for investment, tax or legal advice.
ERFCDirect users assume the risk of using this service. ERFC, and its Trustees
and employees, will not be liable to the ERFCDirect user or anyone else for damages
or claims of any kind arising from the use or misuse of this Site by anyone. Additionally,
this agreement releases ERFC from any claim of harm resulting from a circumstance beyond
ERFC's control including, but not limited to, failure of electronic or mechanical equipment
or communication lines, telephone or other interconnect problems, computer viruses,
unauthorized access, theft, operator errors, or natural disasters.
Your remedy, if any, for damages related to your use of the Site is against ERFC and not
Levi, Ray & Shoup, Inc.
Your access to the Site is governed by all applicable federal, state and local laws. In
the case of a dispute, you agree that the laws of the Commonwealth of Virginia shall
apply to this agreement. Actual or attempted unauthorized use of the Site may result
in criminal and/or civil action. ERFC reserves the right to view, monitor, and record
activity on the Site without notice or permission from you. As dictated by legal
requirements, we may share the information we gather with law enforcement agencies or
other authorized entities.
The design of the ERFCDirect website includes industry-standard security
precautions to ensure a safe and secure user experience as described in the
ERFCDirect Privacy and Security Policy. The personal information that you
provide through the Site is protected by encryption and a secure socket layer
(SSL) connection, so it cannot be read as it is transmitted over the Internet. However,
it is not possible for ERFC to guarantee the safety and integrity of the Site. By
agreeing to these Terms and Conditions, you acknowledge that the Internet is not an
entirely secure network and that communications transmitted over the Internet may be
lost, intercepted by third parties or altered.
E-mail is not necessarily secure against interception by third-parties. If you wish
to communicate sensitive information to ERFCDirect or ERFC, send the information
via mail or telephone rather than e-mail.
This list of permissions and restrictions contained herein is not intended to be
complete, but merely illustrative. ERFC reserves the right in its sole and final
judgment to determine whether your conduct violates conduct requirements for
You affirm that you are either more than 18 years of age, or an emancipated minor,
or possess legal parental or guardian consent, and are fully able and competent to
enter into the terms, conditions, obligations, affirmations, representations, and
warranties set forth in these Terms and Conditions, and to abide by and comply with
these Terms and Conditions.