Terms of Service

Acceptance of Terms

By accessing and using benefitsgenius.co, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Educational Purpose Only

All content on Benefits Genius is provided for educational and informational purposes only.

⚠️ This content does NOT constitute insurance advice, tax advice, legal advice, or financial advice.

Tax laws, insurance regulations, and benefits products change frequently. The information we provide is accurate to the best of our knowledge as of the publication date, but you must verify all information independently before making decisions. Consult with qualified tax professionals, attorneys, insurance brokers, and financial advisors regarding your specific situation.

No Professional Relationship

Using Benefits Genius does not create an advisor-client relationship, engagement relationship, or any professional relationship between you and Benefits Genius. You are receiving educational information only, not personalized professional advice.

Accuracy of Information

We strive to provide accurate, current information on our site. However, we make no representations or warranties of any kind about the accuracy, completeness, or timeliness of the information provided.

• Tax rates, thresholds, and regulations change frequently
• Insurance products and availability vary by state and employer
• Benefits program details and compliance requirements evolve

You are responsible for verifying all information independently and consulting with qualified professionals before making any decisions.

Calculator Disclaimers

Any calculators, tools, or estimators on Benefits Genius provide estimates only based on general assumptions. They are not binding calculations and actual results will vary based on:

• Your organization's size and payroll structure
• Employee participation rates
• Specific plan design and coverage levels
• State and federal tax laws applicable to your jurisdiction
• Other individual circumstances specific to your situation

Consult with your accountant, tax advisor, or benefits consultant for accurate projections specific to your organization.

Intellectual Property

All content on Benefits Genius, including text, graphics, logos, images, and software, is the property of Benefits Genius or our content suppliers and is protected by United States and international copyright laws.

You may view and print content from this site for your personal, non-commercial use only. You may not reproduce, distribute, transmit, publish, display, or sell any content without explicit written permission from Benefits Genius.

User Conduct

In using Benefits Genius, you agree not to:

• Misuse, disrupt, or disable our site
• Scrape, crawl, or extract data from our site without permission
• Submit false, misleading, or incomplete information through our forms
• Engage in any illegal activity or violate any applicable laws
• Harass, threaten, or defame any person or organization

Third-Party Links

Benefits Genius may link to third-party websites for educational purposes. We are not responsible for the content, accuracy, availability, or practices of these external sites. Your use of third-party websites is governed by their own terms and policies, which we encourage you to review.

Limitation of Liability

To the fullest extent permitted by law, Benefits Genius is provided on an "as is" and "as available" basis without warranties of any kind.

Benefits Genius shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to:

• Use or inability to use our site or content
• Decisions made based on our educational content
• Tax liabilities, penalties, or interest you may owe
• Business losses or lost profits
• Any other matter related to Benefits Genius

This applies even if Benefits Genius has been advised of the possibility of such damages.

Indemnification

You agree to indemnify, defend, and hold harmless Benefits Genius, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from or relating to your use of this site or violation of these terms.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles. You agree to submit to the exclusive jurisdiction of the state and federal courts located in Delaware.

Changes to Terms

Benefits Genius reserves the right to modify these Terms of Service at any time. We will update the "Last updated" date at the top of this page. Your continued use of the site following changes constitutes your acceptance of the updated terms.