Terms of Use

These Terms of Use ("Terms") are an agreement between you and Grigoryan Capital Group LLC, a Wyoming limited liability company, operating as Unified Savers ("we," "us," or "our"). They govern your use of unifiedsavers.com, our newsletter, and our on-site tools (together, the "Site"). By using the Site you agree to these Terms and to our Privacy Policy, which is part of them by reference. If you do not agree, please do not use the Site.

What Unified Savers Is

Unified Savers is a free informational resource for homecare and healthcare workers across the United States. We publish guides, news summaries, wage information, and calculators. Our IHSS material is specific to California because IHSS is a California programme; our legal and insurance help pages are for every state.

We are not a government agency, and we are not affiliated with, endorsed by, or acting on behalf of IHSS, any county IHSS office, the California Department of Social Services, a public authority, a union, or any benefits program. We do not administer benefits, process timesheets, resolve pay disputes, or represent you before any agency.

Not Legal, Tax, or Benefits Advice

Nothing on the Site is legal, tax, financial, medical, or benefits-eligibility advice, and using the Site creates no professional relationship of any kind. Wage rates, program rules, and eligibility criteria differ by county and change often, and our content may be out of date. Always confirm anything that affects your pay, hours, or benefits with your county IHSS office, your public authority, or a qualified professional before you act on it. Our Disclaimer covers this in more detail and applies in full.

Our Tools

The wage calculator, benefits checker, and wage tracker run entirely in your browser and produce estimates only. They are not a paycheck, a benefits determination, or a promise of any amount. What you actually receive is decided by your county and by the programs you apply to.

Artificial Intelligence, and Its Limits

Some content on this Site is produced or assisted by artificial intelligence, including article drafts, summaries, and translations. AI output can be wrong, incomplete, or out of date, and it can state something false with apparent confidence. It is never a substitute for the official source or a qualified professional. Verify anything that matters — rates, deadlines, eligibility — against the county or state source before relying on it.

Newsletter and Email

If you subscribe, you agree to receive the Unified Savers newsletter at the address you give us. Every email includes an unsubscribe link, and unsubscribing takes effect promptly. Your address is covered by the section below on sharing information with partners. See the Privacy Policy for the rest.

Information You Send Us, and Partners

When you send us a help request or subscribe, you agree that we may share, transfer or sell the information you give us to the attorneys, licensed insurance agents, service providers and other partners we work with in connection with the help you asked for, and that those partners may contact you about it. Under California law this counts as a "sale" or "sharing" of personal information whether or not any money changes hands, and we say so plainly rather than hiding behind the definition.

You can say no, at any time, free. Use our Do Not Sell or Share My Personal Information page or email info@unifiedsavers.com with the word OPT OUT, and we will stop within 15 days. If your browser sends a Global Privacy Control signal we treat that as an opt-out automatically. Opting out does not change what the Site costs you, which is nothing, and we will not give you a worse service for it. We do not sell or share the personal information of anyone we know to be under sixteen.

If our business or any part of it is sold, merged or reorganised, information we hold may transfer to the buyer as part of it, subject to this agreement and the Privacy Policy.

What we do not do: we do not sell your information to anyone for their own unrelated advertising, and we do not publish it. The Privacy Policy sets out exactly what is collected, who sees it, how long it is kept and how to have it deleted.

Acceptable Use

Do not use the Site to break the law, to impersonate anyone, to upload malicious code, to scrape it systematically, or to interfere with its operation or security. We may restrict access to the Site for any lawful reason.

Our Content, and Yours

The articles, layout, graphics, and name on this Site belong to us or our licensors. You may read, print, and share our content for your own non-commercial use, including sharing it with other caregivers, as long as you do not remove attribution or present it as your own. Republishing it commercially or into a competing service is not permitted. Government publications we quote or link to remain the property of their sources.

Links to Other Sites

We link to government portals, legal aid organizations, unions, and benefits programs for convenience. We do not control them and are not responsible for their content, accuracy, availability, or privacy practices.

Provided "As Is"

The Site is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free, or that its content is accurate, complete, or current. No website is perfectly secure, and we do not claim otherwise.

Limitation of Liability

To the fullest extent permitted by law, we and our members, officers, employees, and contributors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost wages, lost benefits, lost profits, or loss of data, arising out of or relating to the Site — even if we have been told such loss was possible.

Our total liability for all claims relating to the Site, taken together, will not exceed one hundred US dollars ($100). The Site is free to use, and this cap reflects that. This limit applies to every legal theory — contract, tort, negligence, strict liability, statute, or otherwise.

These limits do not apply to liability that cannot be limited or excluded under applicable law, including liability for our own fraud, willful misconduct, or gross negligence.

Indemnification

You agree to defend, indemnify, and hold us harmless from any claim, damage, loss, cost, or expense (including reasonable legal fees) arising out of your use of the Site, your breach of these Terms, or your violation of any law or of anyone else's rights. This does not require you to indemnify us for our own fraud, willful misconduct, or gross negligence.

Changes

We may change these Terms. The date at the top shows the last revision, and changes apply once posted. Continuing to use the Site after that means you accept the change. We may also change, suspend, or discontinue the Site or any part of it at any time.

Governing Law

These Terms are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws rules, except that the arbitration agreement below is governed by the Federal Arbitration Act. To the extent a dispute is not subject to arbitration, it will be brought in the state or federal courts located in Wyoming, and both of us consent to their jurisdiction.

Nothing in these Terms waives a right you cannot legally waive. This section does not deprive you of the protection of any mandatory consumer-protection law of the state where you live — including California — or of your right to bring a qualifying claim in your local small-claims court.

Arbitration and Class-Action Waiver

What is covered. Any dispute, claim, or controversy between you and us arising out of or relating to the Site or these Terms will be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. Those rules, and the AAA's fee schedule, are at adr.org or by telephone on 1-800-778-7879. If the AAA is unavailable or declines to administer the arbitration, it will be administered by JAMS under its Streamlined Arbitration Rules (jamsadr.com); if neither is available, you and we will agree on an administrator, or a court will appoint one. This agreement to arbitrate is mutual: it binds us in the same way it binds you.

Where and how. The arbitration is seated in Wyoming and may be conducted remotely — by telephone, video, or written submissions — so you never have to travel to take part. The arbitrator may award the same individual relief a court could.

Individual claims only. Claims must be brought individually and not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding. If this waiver is found unenforceable as to a particular claim or remedy, that claim or remedy is severed and heard in court, and the rest of this section still applies.

Exceptions. Either of us may bring an individual claim in small-claims court, and either of us may ask a court for an injunction to protect intellectual property.

How to opt out. You may reject this arbitration agreement, including the class-action waiver, by emailing info@unifiedsavers.com within 30 days of first accepting these Terms, with your name and a statement that you opt out of arbitration. Opting out costs nothing, affects nothing else in these Terms, and we will not treat you differently for it.

General

If any provision of these Terms is held unenforceable, the rest stays in force and the unenforceable part is narrowed only as far as necessary. Our not enforcing a provision is not a waiver of it. You may not assign these Terms; we may assign them to a successor to our business. These Terms, together with the Privacy Policy and Disclaimer, are the entire agreement between us about the Site.

Contact

Grigoryan Capital Group LLC, operating as Unified Savers
Email: info@unifiedsavers.com