PERC User Agreement

1. Acceptance of Terms
‍By accessing or using the PERC platform, you acknowledge and agree to be bound by this User Agreement, Terms and Conditions, and Privacy Policy (“Agreement”). This Agreement applies to all employees accessing PERC services through a participating California public school district or charter organization. If you do not agree to these terms, you may not use the platform.
‍2. Authorized Access
‍Access is granted through a license agreement between your school district and PERC. You agree to: use your official school district email to access the platform; Not share your login credentials or account access with anyone else; and, use the platform solely for your own educational and informational purposes. Sharing logins or unauthorized access may result in immediate termination of access and notification to your employer.
‍3. Nature of Services
‍PERC provides financial education and retirement planning tools designed for public school employees. Individual meetings are available and conducted by licensed professionals from Four Oaks Wealth Strategies,a DBA owned by the same principals as PERC and operating under Cambridge Investment Research Advisors, Inc., a registered investment adviser.These consultations are independent of your employer. Participation is voluntary and not mandated by your district or school site.
‍4. Public Resource Notice
‍Access to PERC is funded by your school district using public funds. PERC operates as an external vendor and is not a government agency. No individual employee contributions are used to provide platformaccess unless specifically disclosed.
‍5. Affiliated Business Disclosure
‍PERC and Four Oaks Wealth Strategies are affiliated businesses. While use of the platform is free to employees, individual consultations may involve personalized financial recommendations. You are encouraged to ask questions and understand any costs or services before engaging in personal financial planning. PERC does not receive compensation based on your participation in advisory services.
‍6. Privacy Policy
‍We collect only the personal data needed to provide services, such as: Name and district email address; activity history within the platform; and, appointment bookings (if applicable). We do not collect or store student data. We do not sell personal data.
‍Your California Privacy Rights (CCPA Disclosure)
‍Although PERC is not currently a covered entity under the California Consumer Privacy Act (CCPA), we voluntarily extend the following rights to California users: You may request access to or deletion of your personal data; You may request a list of categories of personal information collected and shared; You may opt out of data use for marketing purposes (we do not market externally or sell data). Requests may be submitted to: info@calperc.org
‍7. Accessibility Statement
‍PERC is committed to digital accessibility and supports compliance with the Americans with Disabilities Act (ADA) and California Government Code § 7405. If you require accommodations or encounter accessibility issues, contact us at info@calperc.org for support.
‍8. FERPA Notice
‍This platform is not used to access, store, or manage student educational records. All employee information collected is unrelated to student data and used solely to support adult financial wellness programs.
‍9. Content Use Restrictions
‍You agree not to: Record, download, copy, or distribute any platform videos, tools, or materials. Provide access to others who do not have permission through their employer. Violation may result in immediate suspension of access. Materials within the additional Resources section are available for download.
‍10. Payment Contingency
‍Access to PERC is contingent on your district fulfilling payment obligations. If payment is delayed or canceled, access may be suspended until resolved. No employee financial obligation is required for access unless explicitly disclosed by the district.
‍11. No Legal, Tax, or Investment Advice
‍The information provided on the platform is educational in nature and not intended as legal, tax, or investment advice. For individualized advice, consult directly with a licensed professional.
‍12. Updates to this Policy
‍We reserve the right to revise this Agreement at any time. Users will be notified of material changes. Continued use of the platform after updates constitutes acceptance of the revised terms.
Acknowledgment
‍By checking the box on sign-up and continuing, I acknowledge that I have read, understood, and agree to the terms of this User Agreement, Privacy Policy, and Conditions of Use.