Last updated on May 5th, 2026
1. ACCEPTANCE OF TERMS OF USE
Please review these Terms of Use (together with our Privacy Policy,
the "Agreement"). BenefitsHelpline.com ("BenefitsHelpline.com",
"BenefitsHelpline.com", "we" or "us"), is the owner and operator of
the BenefitsHelpline.com website (together with all content, tools,
and services provided on or in connection with such website, the
"Website"). You must be a resident of the United States (including
its territorial possessions) and at least eighteen (18) years of age
to access and use the Website. By accessing, browsing or using this
Website, or any page thereof, through any direct or indirect means,
or by using the tools, forms or services offered in or through the
Website, you accept and agree to be legally bound by these Terms of
Use and the Agreement. THIS AGREEMENT CONTAINS AN AGREEMENT TO
ARBITRATE ALL CLAIMS AND CONTAINS DISCLAIMERS OF WARRANTIES AND
LIABILITY (please see sections 5 and 8). These provisions form an
essential basis of our bargain. If you do not agree to these terms
and conditions, you are not authorized to access or use the Website
and you are to cease accessing or otherwise using the Website. For
purposes of this Agreement, "you" or "your" means the person(s)
using the Website and/or any tools, forms or services offered in or
through the Website. If you are using the Website on behalf of an
employer or other entity, you represent and warrant that you have
the authority to bind such entity to the Agreement.
BenefitsHelpline.com shall have the right at any time to change or
discontinue any aspect or feature of the Website and the right to
modify the terms and conditions applicable to users of the Website,
including these Terms of Use, or any part hereof. Such changes,
modification, additions or deletions shall be effective immediately
upon posting on the Website. When we post changes to these terms of
use OR our PRIVACY POLICY, we will revise the "last updated" date at
the top of the applicable document. Accordingly, you should
periodically check the "last updated" date at the top of each
document so that you can familiarize yourself with any changes. Any
use by you of the Website or the tools, forms or services offered in
or through the Websites following such posting shall be deemed to
constitute acceptance of such changes.
2. PRIVACY POLICY
Please review our Privacy Policy, which is hereby incorporated by
reference into this Agreement, for detailed information about our
policies and practices applicable to the information that is
collected through the Website or received directly from you,
including the sharing of such information with third parties and its
use for advertising and other purposes. By accessing or using the
Website, you consent to the collection, storage, use and disclosure
of your information as described in the Privacy Policy (as it may be
changed from time to time, as described more fully in the Privacy
Policy).
3. MATCHING TOOLS AND SERVICES
Our Website provides tools and services to help you find insurance
coverage or quotes for insurance coverage, all of which are provided
by third parties unaffiliated with BenefitsHelpline.com
(collectively, "Insurers"). "Insurers" includes insurance companies,
BenefitsHelpline.com's marketing partners, and affiliates or finders
working on behalf of insurance companies, with whom we may share
your information (as described in our Privacy Policy) for the
purpose of enabling you to find affordable insurance coverage. You
may be able to access these products and services when you complete
a request or submit your zip code or other information and either
(i) get matched with potential Insurers who will respond with quotes
or conditional offers for products or services, or (ii) get provided
with the name and information about potential Insurers who may able
to respond with the requested products or services or information
about the requested products or services without any quotes or
offers. The Insurers that can provide you with insurance quotes or
conditional offers may not respond with offers until they obtain
additional information from you. You may not be matched with the
Insurer making any specific quote or offer.
Although BenefitsHelpline.com is compensated by its network of
Insurers when we display advertisements for their products to you
and/or when you respond to a quote or offer for insurance or another
product from an Insurer on our Website, BenefitsHelpline.com is not
a provider of insurance, is not acting as an Insurer or broker, and
does not make any decisions in connection with the underwriting or
offering of any insurance products. Any compensation from Insurers
is payment for BenefitsHelpline.com's services, tools, and
facilities. Your use of the Website and/or BenefitsHelpline.com's
services constitutes your agreement with this compensation
arrangement.
BenefitsHelpline.com does not endorse or recommend the products of
any particular Insurer. Nor is BenefitsHelpline.com an agent of you
or any Insurer. Our services are only administrative. You should
rely on your own judgment in deciding which available insurance
policy or other product, terms and Insurer best suits your needs and
financial means. The Insurer is solely responsible for its products
and services, and you agree that BenefitsHelpline.com shall not be
liable for any damages or costs of any type arising out of or in any
way connected with your use of such products or services. You
understand that Insurers may keep your insurance request information
and any other information provided by BenefitsHelpline.com or
received by them in the processing of your request, whether or not
you are qualified for insurance with them or if you obtain insurance
from them. You agree to notify any particular Insurer directly if
you no longer want to receive communications from them.
BenefitsHelpline.com is not responsible for any errors or delays in
responding to a request or referral form caused by, including but
not limited to, an incorrect email address provided by you or other
technical problems beyond our reasonable control.
The Website and the products and services provided or advertised on
the Website may not be available in all states, and the availability
of such services and the products offered on the Website may change
from to time without notice. Insurers are not attempting to offer
insurance outside of their authorized states or country by
participating in and offering their products on the Website.
Insurers may discontinue, suspend or terminate the offering of any
insurance or other product in any specific state through the Website
at any time, without prior notice.
The information provided by BenefitsHelpline.com whether on this
website or discussed during any call does not represent a guarantee
of coverage or specific payment. All insurance plans are subject to
the terms, conditions, and limitations of the specific policy
issued, including, but not limited to, eligibility,
pre-certification, exclusions and limitations, and medical necessity
requirements. For further information on a policy and its
limitations, please call 1-866-948-8235.
The data and other information you may provide BenefitsHelpline.com
is not, and is not treated as, an application for insurance or a
request to be pre-approved, pre-qualified or any similar concept.
BenefitsHelpline.com does not guarantee acceptance into any
particular insurance program or specific terms or conditions with
any Insurer; insurance approval standards are established and
maintained solely by individual Insurers. Likewise,
BenefitsHelpline.com does not guarantee that the insurance terms or
rates offered and made available by Insurers are the best terms or
lowest rates available in the market. An Insurer's offer may be
subject to market conditions, approval, and qualification (including
review of your driving record). The rates and fees actually provided
by Insurers may be higher or lower depending on your complete
profile and other considerations used by Insurers, such as your
driving record. Unless expressly stated in writing, nothing
contained herein shall constitute an offer or promise for an
insurance commitment or a rate lock-in agreement. Insurers may not
offer all products as well as not offer products in all states. You
might not be matched with the Insurer making any specific offer. To
help the government fight identity theft, the funding of terrorism
and money laundering activities, and to help attempt to verify your
identity, Insurers may obtain, verify and record information that
identifies each person who applied for or obtain insurance from
them. For example, they may ask for your name, Social Security
Number or driver's license number, address, date of birth, and other
important information, that will allow the proper identification of
you. During the Insurer application process, they may also ask to
see additional information. BenefitsHelpline.com does not charge you
a fee for its service in matching you with Insurers.
By clicking on any button indicating an acceptance or agreement to
terms, a continuance of processing, a request for quotes or any
other submission ("submission"), you understand that you are
agreeing to the stated terms and conditions of that submission and
that you are submitting an inquiry as to insurance or another
product through BenefitsHelpline.com to each of the Insurers to whom
your request is transmitted.
You agree that by providing your telephone number in any submission
within BenefitsHelpline.com's webpages that you are providing your
signature expressly consenting to receive calls, emails, postal
mail, text messages, and other forms of communication from up to
eight companies such as these companies including calls made with an
automatic telephone dialing system or prerecorded voice to the
wireless or residential telephone number you provided even if you
are on a state or federal Do Not Call registry. You acknowledge and
understand that your wireless carrier may impose charges for these
calls or texts and consent to receive communications is not a
condition of purchase. You may revoke your consent at any time.
By including your email in any submission, you are extending an
express invitation to each Insurer you have been matched with to
contact you by email at any email address you provided (in this
case, any such email from an Insurer will not be considered spam or
unauthorized by any local, state or federal law or regulation). For
any service, you represent that all of the information you have
provided in your submission is true and complete.
BenefitsHelpline.com seeks to provide you multiple insurance quotes
through its network of unaffiliated Insurers. By submitting
information on an insurance request form or similar form, you
authorize us to provide such information to Insurers in order to
help you complete your request. Additionally, by submitting a
request for insurance, you authorize the Insurers to verify the
accuracy and authenticity of all information supplied by you, both
internally and with the assistance of unaffiliated third parties.
To determine which Insurers may be matched with you, Insurers
provide to us criteria about the type of insurance and the type of
customer (for example, state of residence) in which the Insurer is
interested. BenefitsHelpline.com will provide your information to
Insurers whose criteria match your profile. Where it is discovered
that you do not meet certain Insurers' criteria or you do not
qualify for their products, you also authorize us to provide your
information to other Insurers whose criteria match your profile and
whose products we feel might be of help in completing your request.
4. PROPRIETARY RIGHTS AND LICENSES
You are granted a limited, non-transferable, non-sublicensable,
non-exclusive, revocable license to use and display the contents of
the Website on a single computer solely for your personal use (and
not for commercial resale or redistribution) to find insurance and
other products or services featured on the Website. All other rights
are hereby reserved. "BenefitsHelpline.com" and the
BenefitsHelpline.com logo are service marks owned by
BenefitsHelpline.com. Other product and company names mentioned
herein, including the names of Insurers, may be the trademarks of
their respective owners. Nothing on the Website should be construed
as granting, by implication, estoppel or otherwise, any license or
right to use any service mark or trademark (individually and
collectively, "Mark" or "Marks") displayed on the Website, without
the prior written permission of BenefitsHelpline.com or the
applicable Mark holder specific for each such use. The Marks may not
be used to disparage BenefitsHelpline.com, the Insurers, the
applicable third party or the products or services of such parties,
nor shall they be used in any manner that may damage any goodwill in
the Marks.
The Website contains copyrighted material, trademarks and other
proprietary information of BenefitsHelpline.com and/or its Insurers,
including, but not limited to, text, software, photos, video,
graphics, music and sound, and the entire contents of the Website
are copyrighted as a collective work under the United States
copyright laws. BenefitsHelpline.com owns a copyright in the
selection, coordination, arrangement, and enhancement of such
content, as well as in the content original to it. You may not
modify, publish, transmit, participate in the transfer or sale of,
create derivative works of, or in any way exploit, any of the
content, in whole or in part. Nor may you reverse engineer,
decompile or disassemble, or make any derivative works based on, the
Website or the software or technology used in the Website (including
any customization, translation, or localization). Except as
otherwise expressly permitted under copyright law, no copying,
redistribution, retransmission, publication or commercial or
non-commercial exploitation of material from the Website will be
permitted without the express written permission of
BenefitsHelpline.com and the copyright owner (if different from
BenefitsHelpline.com). Elements of the Website are protected by
trade dress, trademark, unfair competition, and other state and
federal laws and may not be copied or imitated in whole or in part,
by any means, including but not limited to, the use of framing or
mirrors.
We grant you a revocable right to create a link to the home page of
this Website. You will not state or imply that you or any website on
which you place such a link, or any of its pages, are endorsed by,
sponsored by or affiliated or associated with this Website or
BenefitsHelpline.com. Nor may you make any representations or
warranties, express or implied, with respect to this Website or any
products or services available thereon, or any statements that are
inconsistent with the Agreement.
5. DISCLAIMERS AND LIMITATIONS OF LIABILITY
BenefitsHelpline.com intends that the information contained in the
Website be accurate and reliable; however, errors sometimes occur.
In addition, changes and improvements to the information provided
herein may be made by BenefitsHelpline.com at any time. Under no
circumstances will BenefitsHelpline.com be liable for any loss or
damage caused by your reliance on information obtained through the
Website. It is your responsibility to evaluate the accuracy,
completeness or usefulness of any information, opinion, advice or
other content available through the Website.
THE WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES
ASSOCIATED WITH IT ARE PROVIDED "AS IS." BenefitsHelpline.com AND/OR
ITS INSURERS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR
IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITE AND ANY
INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN,
INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY,
FREEDOM FROM VIRUSES AND NONINFRINGEMENT. USE OF THE WEBSITE AND/OR
BenefitsHelpline.com's SERVICES IS AT YOUR OWN RISK.
BenefitsHelpline.com AND/OR ITS INSURERS AND SUPPLIERS ARE NOT
LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR
CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY
CONNECTED WITH THE USE OR THE INABILITY TO USE THE WEBSITE AND/OR
BenefitsHelpline.com's SERVICES OR WITH THE DELAY OR INABILITY TO
USE THE WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND
SERVICES OBTAINED THROUGH THE WEBSITE (INCLUDING BUT NOT LIMITED TO
RELIANCE BY YOU ON ANY INFORMATION OBTAINED AT THE WEBSITE), OR THAT
RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, ERRORS, DEFECTS,
VIRUSES, WORMS, TROJAN HORSES, OR OTHER HARMFUL CODE OR COMPUTER
PROGRAMMING ROUTINES, WHETHER RESULTING IN WHOLE OR IN PART, FROM
BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY
OR OTHERWISE, EVEN IF BenefitsHelpline.com AND/OR ITS INSURERS HAVE
BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO
NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES AND CERTAIN
LIMITATIONS OF LIABILITY, SO THE ABOVE EXCLUSION MAY NOT APPLY TO
YOU.
6. INDEMNITY
As a condition of use of the Website and/or BenefitsHelpline.com's
services, you agree to indemnify BenefitsHelpline.com and its
affiliates, suppliers and Insurers, and its and their respective
members, managers, directors, officers and employees, from and
against any and all liabilities, expenses (including reasonable
attorneys' fees), claims and damages arising out of your use of the
Website, including without limitation any claims alleging facts that
if true would constitute a breach by you of the Agreement.
7. LINKS TO THIRD-PARTY WEBSITES
The Website may contain links to websites maintained by third
parties. Such links are provided for your convenience and reference
only. BenefitsHelpline.com does not operate or control in any
respect any information, software, products or services available on
such websites. BenefitsHelpline.com's inclusion of a link to a
website does not imply any endorsement of the services or the
website, its contents, or its sponsoring organization.
BenefitsHelpline.com is not responsible for the accuracy or content
of the information provided by any third-party website, nor is it
liable for any direct or indirect technical or system issues arising
out of your access to or use of technologies or programs available
through that website.
8. DISPUTE RESOLUTION
The Agreement shall be treated as though it were executed and
performed in the State of Delaware and shall be governed by and
construed in accordance with the laws of the United States of
America and State of Delaware (without regard to conflict of law
principles). Should a dispute arise concerning the terms and
conditions of the Agreement, the breach of same by any party hereto,
THE WEBSITE or any products or services provided by
BenefitsHelpline.com, the parties agree to submit their dispute for
resolution by arbitration before the American Arbitration
Association, in accordance with the then current Commercial
Arbitration Rules of the American Arbitration Association. Any award
rendered shall be final and conclusive to the parties and a judgment
thereon may be entered in any court of competent jurisdiction.
Nothing herein shall be construed to preclude any party from seeking
injunctive relief in order to protect its rights pending arbitration
or to protect ITS INTELLECTUAL PROPERTY. To the extent permitted by
law, you agree that you will not bring, join or participate in any
class action lawsuit as to any claim, dispute or controversy that
you may have against BenefitsHelpline.com, its affiliates and/or
their respective employees, officers, directors, members, managers,
shareholders, representatives and assigns. You agree to the entry of
injunctive relief to stop such a lawsuit or to remove you as a
participant in the suit. You agree to pay the attorneys' fees and
court costs that BenefitsHelpline.com incurs in seeking such relief.
This provision preventing you from bringing, joining or
participating in class action lawsuits is an independent agreement
and does not constitute a waiver of any of your rights and remedies
to pursue a claim individually and not as a class action in binding
arbitration as provided above. If any provision contained in the
Agreement is determined to be invalid, illegal or unenforceable in
any respect under any applicable law, then such provision will be
severed and replaced with a new provision that most closely reflects
the original meaning of the severed provision while conforming to
applicable law, and the remaining provisions of the Agreement will
remain in full force and effect. Should a dispute arise between the
parties and should the arbitration provisions herein become
inapplicable or unenforceable, or in any instance of any lawsuit
between you and BenefitsHelpline.com, the parties agree that
jurisdiction over and venue of any suit shall be exclusively in the
state of Delaware. If either party employs attorneys to enforce any
right in connection with a dispute or lawsuit, the prevailing party
shall be entitled to recover reasonable attorneys' fees. This
arbitration agreement includes claims related to our clients,
vendors, and Marketing Partners, which are third party beneficiaries
of this arbitration agreement.
9. WEBSITE PROVIDED FROM THE UNITED STATES
If you are using the Website from outside the United States, please
be aware that your information will be transferred to, stored and
processed in the United States where our servers are located and our
central database is operated. The data protection and other laws of
the United States and other countries might not be as comprehensive
as those in your country. By using the Website, which is provided
exclusively from the United States, you hereby consent to the
transfer of your information to the United States and its
collection, storage, sharing and use as described in our Privacy
Policy. You further agree that all transactions relating to the
Website shall be deemed to have occurred in the United States. Those
who access or use the Website from other jurisdictions do so at
their own volition and are responsible for compliance with all local
laws, statutes, rules, regulations, and codes.
10. OTHER TERMS
This Agreement (which hereby incorporates by reference any other
provisions applicable to use of the Website, including, but not
limited to, any supplemental terms governing the use of certain
specific material contained in the Websites) constitutes the entire
agreement between you and BenefitsHelpline.com with respect to the
Website and it supersedes all prior or contemporaneous
communications, promises and proposals, whether oral, written or
electronic, between you and BenefitsHelpline.com with respect to the
Website and information, software, products and services associated
with it. A printed version of this Agreement and of any notice given
in electronic form shall be admissible in judicial or administrative
proceedings based upon or relating to this Agreement to the same
extent and subject to the same conditions as other business
documents and records originally generated and maintained in printed
form. All terms of the Agreement shall survive any termination
hereof, except for those terms (like licenses) that are revocable
or, by their context, are not intended to survive termination.
We shall not be responsible for any errors, failure to perform or
delay in performance of any obligation hereunder due to labor
disturbances, accidents, fires, floods, telecommunications or
Internet failures, strikes, wars, riots, rebellions, blockades, acts
of government, governmental requirements and regulations or
restrictions imposed by law, acts or failures of third-party service
providers or other third parties, or any other similar conditions
beyond our reasonable control. You agree that no joint venture,
partnership, employment or agency relationship exists between you
and BenefitsHelpline.com or any of our affiliates as a result of
this Agreement or your use of the Website. Neither the course of
conduct between the parties nor trade practice shall act to modify
any provision of this Agreement.
This Agreement is not assignable by you, except by operation of law;
BenefitsHelpline.com may assign its rights under this Agreement
without condition. This Agreement will be binding upon and will
inure to the benefit of the parties, their successors and permitted
assigns.
11. COPYRIGHT AND OTHER INTELLECTUAL PROPERTY INFRINGEMENT
As BenefitsHelpline.com asks others to respect its intellectual
property rights, it respects the intellectual property rights of
others and requires its users to do so. If you are a copyright owner
or an agent thereof and believe that any third-party content on the
Website infringes upon your copyrights, you may submit a
notification pursuant to the Digital Millennium Copyright Act
("DMCA") by providing our Copyright Agent with the following
information in writing (see 17 U.S.C § 512(c)(3) for further
detail):
A physical or electronic signature of a person authorized to act on
behalf of the owner of an exclusive right that is allegedly
infringed;
Identification of the copyrighted work claimed to have been
infringed, or, if multiple copyrighted works on or available through
our Website are covered by a single notification, a representative
list of such works at those locations;
Identification of the material that is claimed to be infringing or
to be the subject of infringing activity and that is to be removed
or access to which is to be disabled and information reasonably
sufficient to permit BenefitsHelpline.com to locate the material;
Information reasonably sufficient to permit us to contact you, such
as an address, telephone number, and, if available, an electronic
mail address; A statement that you have a good faith belief that use
of the material in the manner complained of is not authorized by the
copyright owner, its agent, or the law; and
A statement that the information in the notification is accurate,
and under penalty of perjury, that you are authorized to act on
behalf of the owner of an exclusive right that is allegedly
infringed.
For clarity, only DMCA notices should go to the Copyright Agent; any
other feedback, comments, requests for technical support, and other
communications should be directed to BenefitsHelpline.com customer
service. You acknowledge that if you fail to comply with all of the
requirements of this Section, your DMCA notice may not be valid.
In the event that you believe BenefitsHelpline.com removed any of
your content in response to a false notice of copyright
infringement, you should notify BenefitsHelpline.com promptly in
writing pursuant to the DMCA, at the mailing address provided above.
Such notification should include:
Your physical or electronic signature;
Identification of the content that has been removed or to which
access has been disabled and the location at which the content
appeared before it was removed or disabled;
A statement that you have a good faith belief that the content was
removed or disabled as a result of mistake or a misidentification of
the content; and
Your name, address, telephone number, and e-mail address, a
statement that you consent to the jurisdiction of the state of
Delaware, and a statement that you will accept service of process
from the person who provided notification of the alleged
infringement.
Furthermore, you should include a clear statement of your acceptance
of process pertaining to the notifying party or the agent of the
party as defined in DMCA § 512(c)(1)(C). If a counter-notice is
received by the Copyright Agent, BenefitsHelpline.com may send a
copy of the counter-notice to the original complaining party
informing that person that it may replace the removed content or
cease disabling it in ten (10) business days. Unless the copyright
owner files an action seeking a court order against the content
provider or user, the removed content may be replaced, or access to
it restored, in ten (10) to fourteen (14) business days or more
after receipt of the counter-notice, at our sole and absolute
discretion.
BenefitsHelpline.com has a policy of terminating the account of or
denying access or use of the Website to, in its sole and absolute
discretion, any user who repeatedly infringes the copyrights or
other intellectual property rights of others.
If you believe that any of your intellectual property rights other
than copyrights have been infringed (for example, if you believe
that any product listed on the Site is infringing your trademarks),
please e-mail BenefitsHelpline.com at info@BenefitsHelpline.com.
BenefitsHelpline.com reserves the right, in its sole and absolute
discretion, to suspend or terminate the account of any user who
infringes the intellectual property rights of BenefitsHelpline.com
or others, and/or to remove, delete, edit or disable access to such
person's User Content. BenefitsHelpline.com shall have no liability
for any action taken pursuant to this Section.
12. VOICE RECORDING AND MONITORING CONSENT
You agree and consent that BenefitsHelpline.com may record or
monitor oral or voice communications, utterances, and conversations
or commands made by you during any call you make to
BenefitsHelpline.com as permitted by 18 U.S.C. §§ 2511 et seq., Cal.
Penal Code § 632 et seq., and other state laws that regulate call
monitoring and recording. By calling BenefitsHelpline.com, you
expressly consent and grant it the right to record or monitor and
use this information in connection with RSI and for the purposes set
out in the Privacy Policy. BenefitsHelpline.com is under no
obligation to monitor or record its services for accuracy,
completeness, or quality.
13. HEALTH INFORMATION
The health information on this website is provided by
BenefitsHelpline.com solely for informational purposes. It is not
meant to provide medical advice tailored to you in any way. It does
not constitute medical advice and is not intended to be a substitute
for proper medical care provided by a physician.
BenefitsHelpline.com assumes no responsibility for any circumstances
arising out of the use, misuse, interpretation or application of any
information supplied on this website. Always consult with your
doctor for appropriate examinations, treatment, testing, and care
recommendations. Do not rely on the information on this site as a
tool for self-diagnosis.
14. POLICY REGARDING USER CONTENT
BenefitsHelpline.com provides this website as a benefit to its users
and strives to make this online forum safe for all users.
BenefitsHelpline.com has developed the following policies regarding
the removal of user content from this website. As a user of this
website, you agree to follow and to be bound by these policies.
BenefitsHelpline.com may remove content it deems, in its sole
discretion, to be inappropriate, harmful, or violates the rights of
others from this website including, but not limited to:
content that threatens or promotes injury to others or self
content that threatens or promotes violence to any person or
property
content that threatens or promotes criminal conduct or unlawful
activity
content used to harass, bully, blackmail, or disparage another
content containing hate speech
content containing nudity or graphic depictions of sex or violence
content that is harmful to this website, to this online forum, to
BenefitsHelpline.com, or to the goodwill associated with any of
BenefitsHelpline.com's trademarks
content that violates the rights of another, including, without
limitation, contractual rights, intellectual property rights and
rights of publicity and privacy
BenefitsHelpline.com encourages users to notify it of content that
may be inappropriate or harmful. In fact, a user may notify
BenefitsHelpline.com of potentially inappropriate or harmful content
by sending a message to the following individual:
BenefitsHelpline.com
15. PRODUCTS AND SERVICES PROVIDED BY THIRD PARTIES
BenefitsHelpline.com connects individuals with insurance providers
and is not an insurance or operating company. Therefore, products
and services are provided exclusively by or through insurance
providers and not BenefitsHelpline.com.
16. PRODUCTS AND SERVICES DESCRIPTIONS NOT AVAILABLE IN ALL STATES
The products and services descriptions provided by
BenefitsHelpline.com are for informational purposes only and are
subject to change. Some products and services may not be available
in all jurisdictions. Anyone interested in a particular product or
service should call 1-866-948-8235 to determine eligibility and to
request a copy of the applicable policy or other plan documents for
a complete description of the product.
17. TRADEMARKS
There are references throughout the website to various trademarks or
service marks and these, whether registered or not, are the property
of their respective owners. The registered marks and other
BenefitsHelpline.com marks are owned by BenefitsHelpline.com.