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Legal notices

Legal notices

The material on this website is for informational and educational purposes only. It is not an offer of coverage. It contains only a partial, general description of plan benefits or programs and does not constitute a contract. It does not contain legal or tax advice. You should contact your legal counsel or your tax adviser if you have any questions or if you need additional information. Information is believed to be accurate as of the production date; however, it is subject to change. PayFlex cannot and shall not provide any payment or service in violation of any United States (U.S.) economic or trade sanctions.

The information on this website describes the Flexible Spending Account (“FSA”) in general terms. FSA plans are governed by the rules of Section 125 of the Internal Revenue Code and will be administered in accordance with those rules. Estimate fund amounts carefully. Unused funds for a health care FSA or Limited Purpose FSA exceeding the carryover amount will be forfeited after the last day of the plan year, if your plan offers the carryover. Unused funds for a health care FSA without carryover will be forfeited either after the last day of the plan year or at the end of the grace period if your plan offers one. Unused funds for your dependent care FSA will be forfeited either after the last day of the plan year or at the end of the grace period, if your plan offers one.

Eligible expenses may vary from employer to employer. In case of a conflict between your plan documents and the information in this material, the plan documents will govern. Please refer to your employer’s Summary Plan Description (“SPD”) for more information about your covered benefits.

There may be fees associated with a Health Savings Account (“HSA"). These are the same types of fees you may pay for checking account transactions. Please see the HSA fee schedule in your HSA enrollment materials for more information.

Investment services are independently offered through a third-party financial institution. By transferring funds into an HSA investment account, you can potentially benefit from capital appreciation in the value of mutual fund holdings. However, you will also be exposed to a number of risks, including the loss of principal, and you should always read the prospectuses for the mutual funds you intend on purchasing to familiarize yourself with these risks.

The HSA investment account is an optional, self-directed service. We do not provide investment advice for HSA investment account participants. You are solely responsible for any investment account decisions you make. Mutual funds and brokerage investments are not FDIC-insured and are subject to investment risk, including fluctuations in value and the possible loss of the principal amount invested. The prospectus describes the funds’ investment objectives and strategies, their fees and expenses, and the risks inherent to investing in each fund. Investors should always read the prospectus carefully before making any investment decision. System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other factors.

Apple, the Apple logo, iPad, iPhone and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android is a trademark of Google Inc.

Google Play and Google Play logo are trademarks of Google LLC.  

Samsung is a trademark of SAMSUNG in the United States or other countries. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.   

Mastercard® is a registered trademark of Mastercard International Incorporated.

PayFlex Card® is a registered trademark of PayFlex Systems USA, Inc. 

Standard text messaging and other rates from your wireless carrier still apply. PayFlex Mobile® is a registered trademark of PayFlex Systems USA, Inc.

PayFlex and CVS Pharmacy® are part of the CVS Health® family of companies.

PayFlex Systems USA, Inc. is an affiliate of Aetna Life Insurance Company.