Terms of Service

1. Agreement to Terms

Welcome to Navitize. These Terms of Service ("Terms") govern your access to and use of the Navitize website located at learn.navitize.com (the "Website"), including any content, functionality, and services offered on or through the Website.

Navitize is a product innovation from Patnu Consulting LLC, a Minnesota limited liability company located at 3500 Vicksburg Lane N, Suite 400-127, Plymouth, MN 55447.

By accessing or using the Website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use the Website.

2. Services Provided

Navitize provides free educational resources, tools, and information related to:

• Minnesota Paid Family and Medical Leave (PFML)
• Health insurance options and MNsure enrollment
• Employee benefits and workplace compliance
• Calculators, guides, glossaries, and local resources

Our services are provided for informational and educational purposes only. We are not an insurance company, government agency, or licensed financial advisor.

3. Disclaimers

No Warranty of Accuracy

While we strive to provide accurate and up-to-date information, laws, regulations, insurance plans, and government programs change frequently. We make no guarantees about the accuracy, completeness, or timeliness of information on the Website. You are responsible for verifying all information with official sources such as:

• Minnesota Department of Employment and Economic Development (DEED) for PFML
• MNsure for health insurance enrollment and subsidies
• Licensed insurance agents or brokers for plan details
• Government agencies for compliance requirements

"As Is" and "As Available"

What this means: We provide this website as-is. We can't promise it will always work perfectly or be error-free.

Legal version: The Website is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability or fitness for a particular purpose.

4. Use of Calculators and Tools

Navitize provides calculators to estimate PFML benefits, health insurance subsidies, and other values. These calculators are estimates only and should not be relied upon as precise predictions.

• PFML Calculator: Estimates benefit amounts based on income. Actual benefits depend on Minnesota DEED's determination and may differ from estimates.
• Subsidy Calculator: Estimates premium tax credits. Actual subsidies are determined by MNsure and the IRS based on your specific circumstances.
• Other Tools: All calculators use publicly available formulas but cannot account for individual circumstances.

Always verify estimates with official government sources or licensed professionals before making financial decisions.

5. User Responsibilities

When using the Website, you agree to:

• Provide accurate information when using calculators or submitting forms
• Verify all information with official sources before taking action
• Use the Website only for lawful purposes
• Not attempt to gain unauthorized access to any portion of the Website
• Not use automated tools (bots, scrapers) to access the Website without permission
• Not submit false, misleading, or fraudulent information
• Not violate any applicable laws or regulations

6. Intellectual Property Rights

All content on the Website, including text, graphics, logos, icons, images, calculators, and software, is the property of Navitize, Patnu Consulting LLC, or our content suppliers and is protected by U.S. and international copyright and trademark laws.

You may view, download, and print content from the Website for your personal, non-commercial use only. You may not:

• Reproduce, distribute, or publicly display content without permission
• Modify or create derivative works from Website content
• Use content for commercial purposes without a license
• Remove copyright or trademark notices

For permission to use content beyond personal use, contact us at jael.were@navitize.com.

7. Third-Party Websites and Services

The Website may contain links to third-party websites, including:

• Minnesota PFML website (paidleave.mn.gov)
• MNsure (mnsure.org)
• Insurance carrier websites
• Government agencies and community organizations

We do not control and are not responsible for the content, privacy policies, or practices of third-party sites. Accessing third-party links is at your own risk. We encourage you to review the terms and privacy policies of any third-party websites you visit.

8. Limitation of Liability

Some jurisdictions do not allow limitations on liability, so these limitations may not apply to you. In such cases, our liability is limited to the maximum extent permitted by law.

9. Indemnification

Plain English: If your misuse of our site causes legal problems for us, you agree to cover our costs.

Legal version: You agree to indemnify and hold harmless Navitize and Patnu Consulting LLC from claims arising from:

• Your misuse of the Website
• Your violation of these Terms
• Your violation of others' rights
• Content you submit

10. User-Submitted Content

If you submit content to the Website (such as comments, questions, or feedback), you grant Navitize a non-exclusive, royalty-free, perpetual, worldwide license to use, reproduce, modify, and display that content for the purposes of operating and improving our services.

You represent that any content you submit does not violate the rights of any third party and that you have the right to grant the license described above.

11. Governing Law and Dispute Resolution

Location: Minnesota law applies. Any disputes will be handled in Hennepin County, Minnesota.

Process: Disputes go through binding arbitration, not court. No class action lawsuits.

Legal version: These Terms are governed by Minnesota law. Disputes shall be resolved through binding arbitration in Hennepin County per American Arbitration Association rules.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website with a new "Last Updated" date.

Your continued use of the Website after changes are posted constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.

13. Termination

We reserve the right to:

• Terminate or suspend your access to the Website at any time, without notice, for any reason
• Modify or discontinue any part of the Website at any time
• Remove any content that violates these Terms

Upon termination, your right to use the Website immediately ceases. Sections of these Terms that by their nature should survive termination shall survive, including disclaimers, limitations of liability, and governing law provisions.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be replaced with a valid provision that most closely matches the intent of the original.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Navitize regarding your use of the Website and supersede all prior agreements and understandings.

16. Contact Information

If you have questions about these Terms, please contact us: