Concordia Plan Services Website Terms and Conditions

In using this Website, you are deemed to have read and agreed to the following Website Terms and Conditions:

Concordia Plan Services (CPS) maintains a Website that contains many components, which may be accessed through or through one of the components (e.g. and Retirement Connection). When the term “Website” is used herein, any and all components are included in that term, whether accessed through or otherwise.

Notices and Communications
You agree to accept all communications from us regarding the use of CPS’ Website at any address you provide to us. CPS is entitled to rely on the email address and U.S. Postal Service address you last provided to us for purposes of providing any notices or communications to you. You agree to waive all claims resulting from any failure to receive notices or communications because of a change in your email or U.S. Postal Service address. By providing your email address to us, you are granting CPS permission to communicate with you by email.

Limited License
Subject to these Website Terms and Conditions, CPS grants to you a non-exclusive, non-transferable, limited right to access, use, and display this Website and the materials therein. You agree not to interrupt or attempt to interrupt the operation of the Website in any way. CPS authorizes you to view and download the information on the Website only for your personal, non-commercial use. If you violate any of the Website Terms and Conditions, your permission to use this Website automatically terminates.

The Website and its content and images, as well as any copyright, trademark, and other intellectual property rights in the content herein, are owned by CPS or its third-party licensors, vendors, or agents. You may not use such copyrighted materials or marks without prior written permission from CPS.
You specifically are prohibited from the following activities:
  1. Modifying the Website,
  2. Publishing, displaying, distributing or creating derivative works based on the Website or any part thereof without the express written permission of CPS,
  3. Removing or obliterating any copyright, trademark, privacy or confidentiality notice or other legend appearing on the Website,
  4. Interfering with or disrupting networks connected to the Website,
  5. Attempting to gain unauthorized access to the Website, computer systems, or networks connected to the Website,
  6. Impersonating any person or entity in connection with the Website, or
  7. Falsely stating or otherwise misrepresenting information related to any person or entity in connection with the use of the Website.
Your access to and continued use of this Website shall constitute your acceptance of and agreement to the Website Terms and Conditions, as may be modified from time to time. By using this Website, you also consent to the use of your dependent(s)’ and your personal information as noted in the Policy section below.

Your use of the Website may be monitored and used by CPS for its internal purposes, without liability.

CPS is entitled, but not obligated to review, retain, and utilize your communications to us. By submitting any material for posting on the Website, your dependent(s) and you automatically grant (or if you are not the owner, you warrant that the owner of such material has expressly granted) CPS an irrevocable, perpetual, non-exclusive right to use, reproduce, modify, adapt, publish, display and otherwise use such material, even if such information otherwise might be considered confidential and/or private.

The Website is provided by CPS and may be used for informational purposes only. We will make available to you through the Website a wide range of information that we either create or obtain through third-party providers. CPS does not endorse such information, and we make it available to you only as a service and convenience. Information may quickly become unreliable for various reasons including, for example, changes in market conditions. You alone assume the responsibility of evaluating the merits and risks associated with the use of such information from the Website before making any decisions based on such information. In exchange for our permission to you to use such information, your dependent(s) and you agree not to hold CPS or any third-party provider liable for any possible claim for damages arising from any decision you make based on information made available to you on the Website.

This Website contains links to websites maintained by other organizations. CPS cannot and expressly does not provide any warranty about the accuracy or source of information found on any of these websites, their servers or the content of any file that you might choose to download from a third party website.

Browser Policy
CPS strives to design our Website to be fully functional with a wide variety of web browsers. However, with the growing number of web browsers in the market-place combined with their continuous updates, we cannot guarantee that all of our Website’s features will work all of the time on all of the browsers. Our Website is best viewed using the Microsoft’s Internet Explorer browser. Please report any problems that you may experience on our Website or with any particular web browser by sending us an email message at

Our Security
CPS is committed to providing security to protect information provided to us. CPS has implemented security measures to protect our Website visitors’ personal or sensitive information with the information protected via an array of physical, administrative, and technical security methods.

CPS has used reasonable efforts to provide accurate information on this Website, but makes no guaranty or warranty about the adequacy, accurateness, or completeness of the information contained herein or linked to any other Website.

CPS reserves the right to correct any errors or omissions in any portion of this Website or to change any information on the Website at any time, without notice. The Website and the information contained herein are provided “as-is” without any representation, guaranty, or warranty, express or implied, of any kind, including but not limited to, warranties of merchantability or fitness for a general or particular purpose.

Limitation of Liability
Neither CPS nor The Lutheran Church—Missouri Synod (LCMS) shall be liable for any damages whatsoever arising from, or in any way connected with the use or inability to use the Website, the Website Terms and Conditions, the information or materials contained therein, or information provided to us or actions taken through the Website, including, but not limited to, errors, omissions, breaches or misdirected information, regardless of whether CPS and/or LCMS have been advised of the possibility of such damages.

Your dependent(s) and you agree to indemnify, defend, and hold harmless CPS and its officers, trustees, employees, and agents, from and against any and all claims, liability, actions, demands, costs, or expenses including, but not limited to, attorneys’ fees, arising from or relating to your use of the Website, your use of information obtained from the Website, or your violation of these Website Terms and Conditions.

Some pages on the Website may request and collect information that personally identifies your dependent(s) or you or allows us to contact you personally (for example, your email address). Information collected by CPS about your dependent(s) or you from the Website may be tabulated for statistical purposes and those results may be provided to others for plan administration purposes, but neither your dependent(s) nor you will be individually identified in those results. The data may be used to inform you of events and activities in which we think your dependent(s) or you may have an interest, or opportunities to support the work of CPS. We may also use the data to evaluate our benefit programs and design future offerings. Although the information collected is used primarily for purposes specified on the submission pages, we may add that information to our records and use it to enhance our future contact with your dependent(s) or you.

Although we may provide aggregate data for the purposes of reporting and/or compliance with government requirements, your dependent(s)’ or your personal information will not be identifiable in such data. CPS will not share any of your dependent(s)’ or your personal information with any third parties, except as required by law or for Concordia Plan purposes with our third party administrators or vendors. We do not rent, sell, or lend mailing lists, telephone numbers, mailing addresses, or email addresses to other individuals or organizations outside of CPS or the LCMS. We strive to keep the private personal information of you and your dependents as private information, but you agree to hold us harmless for any inadvertent disclosure and for any disclosure to our third party administrators or vendors for Concordia Plan purposes.

Use of Text and Images
If you would like to publish information that you find on our Website, please ask permission by sending your request to Where text or images are posted on our Website with the permission of the original copyright holder, a copyright statement appears at the bottom of the page. Information about using the CPS logo and images is available upon request by sending your request to

Changes to Policies
CPS reserves the right to modify or change these Website Terms and Conditions at any time. Any modifications or changes will be posted to this Website.

Website Ownership
This Website is the property of CPS and is for authorized use only. Unauthorized access is a violation of federal law. All software, data transactions, and electronic communications are subject to monitoring.

Governing Law
These Website Terms and Conditions shall be governed by the substantive laws of the State of Missouri, without regard to its or any other jurisdiction’s laws governing conflicts of law.

If you have any questions or concerns about the Website Terms and Conditions, please contact us at