📜 MASTER TERMS OF SERVICE

Benefits Connect Network
Effective Date: 02/24/2026

1. Acceptance of Terms

By accessing any Benefits Connect Network website or subdomain, you agree to these Terms.

2. Nature of Services

Benefits Connect Network is a marketing and lead generation platform.

We:

• Connect consumers with licensed insurance agents
• Provide marketing support to insurance agents
• Do not sell insurance policies
• Do not act as an insurance carrier
• Do not guarantee approval, pricing, or policy issuance

All insurance decisions are made by licensed professionals and carriers.

3. Consumer Terms (B2C)

By submitting a request:

• You represent that your information is accurate
• You understand that licensed agents may contact you
• You acknowledge that submission does not guarantee coverage
• You understand that Benefits Connect Network does not provide financial or insurance advice

4. Agent Terms (B2B)

Agents using Benefits Connect Network services agree that:

• They are properly licensed
• They are responsible for regulatory compliance
• They will not misrepresent Benefits Connect Network
• They are independent contractors
• They are responsible for their own communications and sales practices

Benefits Connect Network is not liable for agent conduct.

5. Consent to Contact

By submitting information:

• You consent to calls, texts, and emails (including automated technology).
• Message frequency varies.
• Msg & data rates may apply.
• Reply STOP to unsubscribe.

Consent is not a condition of purchase.

6. No Guarantee of Results

Benefits Connect Network does not guarantee:

• Policy approval
• Policy pricing
• Lead volume
• Agent revenue
• Conversion rates

7. Limitation of Liability

To the fullest extent permitted by law, Benefits Connect Network shall not be liable for:

• Insurance decisions
• Agent conduct
• Carrier underwriting decisions
• Lost profits
• Indirect or consequential damages

Your sole remedy is to discontinue use.

8. Intellectual Property

All website content, branding, logos, and materials are the property of Benefits Connect Network and may not be reproduced without permission.

9. Indemnification

You agree to indemnify and hold Benefits Connect Network harmless from claims arising from:

• False information submitted
• Misuse of services
• Agent misconduct
• Violation of these Terms

10. Governing Law

These Terms are governed by the laws of the State of New York.

11. Modifications

We may update these Terms at any time.
Continued use constitutes acceptance.

12. Contact Information

Benefits Connect Network
New York, USA
Email: [email protected]