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Terms of use

Your use of this website Is governed by these terms and conditions

Please take a few minutes to review this Terms and Conditions statement. Throughout the entirety of the Terms and Conditions statement, the term "PERS website" refers to inclusively. Your use of the PERS website constitutes your agreement to follow these rules and to be bound by them. If you do not agree with any of these Terms, do not use the PERS website.

By accessing and using the PERS website, you agree that your access to and use of the PERS website is subject to these terms and conditions as well as all applicable laws, as governed and interpreted pursuant to the laws of the state of Oregon, United States of America.

Correction of errors and inaccuracies

The information on the PERS website may contain typographical errors or inaccuracies and may not be complete or current. We therefore reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice. Please note that such errors, inaccuracies, or omissions do not constitute legally binding statements on PERS's part.

Your password management responsibilities

Use of your user ID and password is the agreed security procedure to access the secure area of the PERS website. In order to prevent unauthorized access to your accounts and to prevent unauthorized use of the PERS website, you agree, by using the PERS website, to keep confidential and to not give or make available your user ID and password or other means to access your accounts to any person not authorized to access your accounts. The loss, theft, or unauthorized use of your user ID and password could cause you to lose some or all of the money and/or service credit in your accounts. Disclosure of your user ID and password to any person(s) or entity(ies) constitutes authorization by you to access your accounts, and you assume all risks and losses associated with such disclosure and authorization. If you permit any other person(s) or entity(ies) to use your user ID and password or other means to access your accounts through the PERS website, you are responsible for any transactions and activities they authorize from your accounts. You agree to immediately notify us by calling 888-320-7377 during normal customer service hours of any unauthorized disclosure or use of your user ID and password or of any other breach of security, or if you believe someone may attempt to access the PERS website without your consent or transact business on your account without your permission.

Limitation of liability

Under no circumstances shall PERS or any of their employees, directors, officers, agents, vendors, or suppliers be liable for any direct or indirect losses or damages arising out of or in connection with the use of or inability to use the PERS website. This is a comprehensive limitation of liability that applies to all losses and damages of any kind (whether general, special, consequential, incidental, exemplary, or otherwise, including without limitation, loss of data, income, or profits), whether in contract, negligence, or other tortuous action, even if an authorized representative of PERS has been advised of or should have known of the possibility of such damages.

If you are dissatisfied with the PERS website or any content on the site or with the PERS terms and conditions, your sole and exclusive remedy is to discontinue using the PERS website. You acknowledge by your use of the PERS website that your use of the site is at your sole risk.


The PERS website is operated by PERS on an "as is," "as available" basis without representations or warranties of any kind. To the full extent permitted by law, PERS and their affiliates disclaim any and all representations and warranties with respect to this site and its contents, whether express, implied, or statutory, including but not limited to warranties of title, merchantability, and fitness for a particular purpose or use.

PERS does not endorse nor make any warranties or representations about the options or other service or data you may access, download, or use as a result of the use of the information contained on this website, or about any website you may access through the PERS website.

Links to other sites are provided for convenience only. You need to make your own decisions regarding your interactions or communications with any other website.

PERS makes no representation that content provided on the PERS website is applicable or appropriate for use in locations outside of the United States.

PERS assumes no risk or responsibility for your use of any of the content provided on the PERS website.

Copyright notice

All of the content you see and hear on the PERS website, including, for example, all of the page headers, images, illustrations, graphics, audio clips, video clips, and text, are subject to trademark, service mark, trade dress, copyright, and/or other intellectual property rights or licenses held by PERS, one of its affiliates, or by third parties who have licensed their materials to PERS. The entire content of the PERS website is copyrighted as a collective work under U.S. copyright laws, and the state of Oregon by and through PERS owns a copyright in the selection, coordination, arrangement, and enhancement of the content.

The content of the PERS website and the site as a whole are intended solely for personal, noncommercial use by the users of our site. You may download, print, and store selected portions of the content provided you (1) only use these copies of the content for your own personal, non-commercial use, (2) do not copy or post the content on any network computer or broadcast the content in any media, and (3) do not modify or alter the content in any way, or delete or change any copyright or trademark notice.

No right, title, or interest in any downloaded materials is transferred to you as a result of any such downloading. PERS reserves complete title and full intellectual property rights in any content you download from this website.

Except as noted above, you may not copy, download, reproduce, modify, publish, distribute, transmit, transfer, or create derivative works from the content without first obtaining written permission from PERS.


PERS welcome your comments regarding the PERS website. Any comments, feedback, notes, messages, ideas, suggestions, or other communications (collectively, "comments") sent to PERS shall be and remain the exclusive property of PERS. Your submission of any such comments shall constitute an assignment to PERS of all worldwide rights, titles, and interests in all copyrights and other intellectual property rights in the comments. PERS will be entitled to use, reproduce, disclose, publish, and distribute any comments you submit for any purpose whatsoever without restriction and without compensating you in any way. For this reason, we ask that you not send us any comments you do not wish to assign to us, including any confidential information or any original creative materials such as stories, product ideas, computer code, or original artwork.

Terms and conditions may change

PERS reserves the right to update or modify these Terms and Conditions at any time without prior notice. Your use of the PERS website following any such change constitutes your agreement to follow and be bound by the Terms and Conditions as changed. For this reason, we encourage you to review these Terms and Conditions whenever you use this website.