Terms governing this site and its tools.

Access to this site does not create a client relationship between you and TrueNorth Fiduciary Risk Advisors. The content of this site, including the open tools and the insights library, is informational. It is not legal advice, actuarial advice, tax advice, or a recommendation specific to your plan, your population, or your fiduciary posture. Engagement begins only upon execution of a written engagement letter and the delivery of a Schedule A.

The Fee Audit Estimator, Stop-Loss Modeler, CAA Compliance Self-Check, and PEPY Benchmark return estimates based on the inputs you provide and on industry data cited within each tool. The estimates are intended to support directional decision-making and to scope a subsequent engagement. They are not a substitute for an underwritten quotation, a legal compliance opinion, or an actuarial valuation.

Where a number appears on this site, the citation supporting it appears within one click. Where a methodology is summarized, the full methodology appears within one click. If you find a number whose citation you cannot reach, please tell us.

You may read the site, download any report a tool generates for you, and share any page or report with colleagues and counsel. You may not (a) scrape the site for commercial republication, (b) misrepresent the source of any content as your own, or (c) use the tools to generate reports on behalf of third parties as a paid service.

The TrueNorth name, the compass mark, the design system, the insights library, and the methodology described within each tool are the property of TrueNorth Fiduciary Risk Advisors. Quotations and brief excerpts may be reproduced with attribution.

Insights articles, tool outputs, and case-pattern narratives may include forward-looking commentary about regulatory trajectory, market structure, or outcomes likely to result from a given engagement. Forward-looking commentary is opinion, dated as of publication, and not a guarantee. Past results disclosed on this site are net of any client identifiers and are not representative of future outcomes for any particular plan.

The site and its tools are provided on an as-is basis. TrueNorth's aggregate liability arising out of access to or use of this site is limited to the greater of one hundred U.S. dollars ($100) or the fees paid by you to TrueNorth in the twelve months preceding the claim. Nothing in this section limits liability that may not be limited by law, including liability for fraud or willful misconduct.

These terms are governed by the laws of the State of New York, without regard to its conflict-of-laws principles. Any dispute arising out of these terms shall be resolved in the state or federal courts located in New York County, New York, and you consent to the personal jurisdiction of those courts.

We may revise these terms from time to time. Material revisions will be noted on this page with a new effective date. Continued use of the site after a revision constitutes acceptance of the revised terms.