This document outlines the rules, guidelines, and conditions that users must adhere to when accessing or using the company’s website, software, or services.

USBenefitplus welcomes you to its website. USBenefitplus’s Website enables you to access content, products and services available on or through the USBenefitplus’s Website (collectively, “Services”).

These Terms of Use form a binding legal agreement between you and USBenefitplus regarding your access to and use of the USBenefitplus Website and Services.  If you are helping another person use the USBenefitplus Website or Services, these Terms of Use constitute a binding legal agreement between both the helper and the person being helped and USBenefitplus.

BY ACCESSING, BROWSING OR OTHERWISE USING THE USBenefitplus WEBSITE OR ANY OF THE SERVICES, YOU ARE ACKNOWLEDGING THAT YOU HAVE READ AND UNDERSTAND, AND ARE ACCEPTING AND AGREEING TO BE BOUND BY, THESE TERMS OF USE, INCLUDING, WITHOUT LIMITATION, THE DISCLAIMERS AND LIMITATIONS OF LIABILITY CONTAINED IN THESE TERMS OF USE.

IF YOU DO NOT AGREE TO THESE TERMS OF USE, DO NOT ACCESS, BROWSE OR OTHERWISE USE THE USBenefitplus WEBSITE OR SERVICES.

We may change these Terms of Use at any time, without prior notice to you or any other person, by posting changes on the USBenefitplus Website.  We encourage you to check back and review these Terms of Use from time to time.  Your continued use of the USBenefitplus Website following our posting of changes will signify that you agree to and accept the revised Terms of Use.  If you do not agree to the revised Terms of Use, you are not authorized to access or use the USBenefitplus Website or Services and you must disconnect from and not use the USBenefitplus Website.

To use the USBenefitPlus Website and Services, you must register for an account on the USBenefitPlus Website and provide information about yourself as prompted by the site registration form.  As part of the registration for the USBenefitPlus Website, you will use your true legal name and true electronic mail address, and only provide true, accurate and complete information on the USBenefitPlus Website and notify USBenefitPlus immediately of any change in such information.

USBenefitPlus reserves the right to refuse or reject any request to create an account for any or no reason at USBenefitPlus sole discretion.  You are solely responsible for your account, your contact information and other information made available through your account or otherwise via the USBenefitPlus Website.  You will use reasonable care to protect the confidentiality of your log-in information for your account and will not share it with any other person.  You will be entirely responsible for the conduct of any person using the USBenefitPlus Website or accessing your account through use of your log-in information.

You agree that USBenefitPlus may, and may permit others to, use, copy, display, reproduce, distribute, modify, translate, remove, analyze, and prepare derivative works based upon, the information that you provide in connection with your use of the USBenefitPlus Website for purposes of providing to you the USBenefitPlus Website and Services and as otherwise described in these Terms of Use and the USBenefitPlus Privacy Policy.

Subject to your compliance with these Terms of Use, USBenefitPlus grants you a limited, non-exclusive, revocable, non-assignable, personal and non-transferable license to access and make personal use of the USBenefitPlus’s Website solely for the purpose of obtaining information regarding health insurance plans and applying for a plan.  The foregoing license does not include any resale or commercial use or derivative use of the USBenefitPlus’s Website or Services.  The USBenefitPlus’s Website and Services, and any portion thereof, may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purposes without USBenefitPlus’s express written consent, except that you may download one (1) copy of such materials to your individual computer solely for your personal, non-commercial use only, provided that all copyright and other proprietary notices appearing on such materials are strictly preserved without any alteration, modification, or obfuscation..

All rights, titles, and interests in and to the USBenefitPlus’s Website, and all elements thereof, are owned and reserved by USBenefitPlus and its licensors.  The USBenefitPlus’s Website is protected by United States copyright law and international treaty provisions, including, without limitation, the Berne Convention.  All trademarks, service marks, and trade names are proprietary to USBenefitPlus and its licensors.  None of the items mentioned herein may be used without the express written consent of USBenefitPlus.  All rights not expressly licensed hereunder are reserved by USBenefitPlus and its licensors.

If you choose to provide us with any feedback, suggestions, or similar communications, all such messages (collectively, “Feedback Messages”) will be considered non-personal, non-confidential (except for personal information as described in our Privacy Policy) and nonproprietary. You hereby grant USBenefitPlus a perpetual, sublicensable, assignable, unrestricted, worldwide, royalty-free, irrevocable license to use, reproduce, display, perform, practice, modify, create derivative or collective works from, transmit and distribute your Feedback Messages, in whole or in part, and including all intellectual property rights therein.

You agree to access and use the USBenefitPlus Website only for lawful reasons.  You are solely responsible for knowing and complying with any and all laws, statutes, rules and regulations pertaining to your use of the USBenefitPlus  Website.  You are prohibited from using the USBenefitPlus Website in a way that:

• is unlawful, threatening, violent, abusive, hateful, defamatory, slanderous, libelous, deceptive, fraudulent, tortious, indecent, vulgar, profane, obscene, or that USBenefitPlus deems in its sole discretion to be inappropriate;
• violates any law, statute, rule, regulation, or court order;
• accesses, collects or stores personal information about others;
• violates or infringes the rights of anyone else, including, for example, another person’s right to privacy;
• impersonates any person, business, entity, or IP address (e.g., IP spoofing);
• involves uploading, posting, emailing, transmitting or otherwise making available any materials that you do not have a right to make available under any law;
• is commercial in nature, including, for example, usage for advertising, promotional or marketing materials, or spam, phishing or other unsolicited messages;
• gains or tries to gain unauthorized access to the USBenefitPlus Website, or any computers, networks or data used to operate or stored on or with the USBenefitPlus Website, or that otherwise modifies or interferes with the use or operation of the USBenefitPlus Website;
• imposes an unreasonable or disproportionately large load on USBenefitPlus or USBenefitPlus business partners’ infrastructure, including but not limited to transmitting spam or using other unsolicited mass emailing techniques;
• alters, damages, or deletes any content posted on the USBenefitPlus Website;
• frames, mirrors, scrapes or data-mines the content of the USBenefitPlus Website;
• contains computer viruses or other disruptive, disabling, damaging or harmful files or programs; or
• otherwise violates these Terms of Use or any other guidelines or policies posted on the USBenefitPlus Website, including the Privacy Policy, which are incorporated by this reference into these Terms of Use.

In addition, you represent and warrant that:

• the information and any other content that you may provide using the USBenefitPlus Website does not infringe, violate, misappropriate or otherwise conflict with the rights of any third party; complies with all applicable local, state, provincial, national and other laws, rules and regulations; and does not violate these Terms of Use;
• you have the right to provide to USBenefitPlus the information and any other content that you may provide using the USBenefitPlus Website;
• you will use your true legal name and true electronic mail address, and only provide true, accurate and complete information on the USBenefitPlus Website;
• you will not impersonate another person or entity or misrepresent your affiliation with another person or entity, such as by using another person’s or entity’s username, password or other account information or another person’s or entity’s name, likeness, image or photograph;
• you are at least 18 years of age, or the legal age of majority where you reside;
• you have all requisite rights and authority to use the USBenefitPlus Website and to enter into these Terms of Use; and
• the performance of your obligations under these Terms of Use will not violate, conflict with, or result in a default under any other agreement, including, without limitation, confidentiality agreements between you and third parties.

USBenefitPlus reserves the right to cooperate fully with any law enforcement officials and/or agencies if requested or required in the investigation of any users, including without limitation, any user who violates, or is suspected of violating, these Terms of Use.  USBenefitPlus may disclose your information to such law enforcement officials and/or agencies if requested to do so or if required by law.

The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that content or material on this website infringes a copyright owned by you, you (or your agent) may send us a notice requesting that the material be removed, or access to it blocked. This request should be sent by using our contact form.

The notice must include the following information: (a) a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; (b) identification of the copyrighted work claimed to have been infringed; (c) identification of the material that is claimed to be infringing or the subject of infringing activity; (d) the name, address, telephone number, and email address of the complaining party; (e) a statement that the complaining party has 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 (f) a statement that the information in the notification is accurate and, under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send us a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA. Notices and counter-notices with respect to the website should be sent to the address above.

USBenefitPlus DOES NOT PROVIDE MEDICAL ADVICE; ALL CONTENT INCLUDING TEXT AND IMAGES IS FOR INFORMATIONAL PURPOSES ONLY. CONTENT ON THE USBenefitPlus’S WEBSITE IS NOT INTENDED AS A SUBSTITUTE FOR PROFESSIONAL MEDICAL ADVICE.

USBenefitPlus is not an insurer or an insurance broker or agent. All quotes are provided through licensed brokers, agents, discount plan representatives, or insurance carrier representatives who may or may not be able to obtain quotes from any particular insurance company mentioned on this site.

USBenefitPlus is committed to providing you with the necessary information you need to decide on an insurance plan. Ultimately, you are responsible for finding the insurance policy that best suits your needs. Similarly, if you already have insurance or related coverage, the information provided on our site may not be up-to-date or match information from your provider. You will need to contact your insurance provider directly for coverage-related questions concerning your in-force policy.

USBenefitPlus makes no representation, express or implied, that a user will be able to obtain an insurance quote from any particular insurance company mentioned on this site. Never cancel existing insurance policies until written confirmation is received from your new provider that your new policy is in effect.

USBenefitPlus makes no warranties or representations as to the accuracy, completeness or timeliness of the content provided as part of the USBenefitPlus’s Website or any of the Services.  USBenefitPlus assumes no liability or responsibility for any errors or omissions in the USBenefitPlus’s Website. No warranty, expressed or implied, is made regarding accuracy, adequacy, currency, completeness, legality, reliability or usefulness of any materials or content. USBenefitPlus may make changes to the materials contained on the USBenefitPlus’s Website at any time without notice. USBenefitPlus does not, however, make any commitment to update the materials.

USBenefitPlus is committed to maintaining the security of the data you provide us and will take reasonable precautions to protect your personal information.  However, there is always some risk in transmitting information over the Internet.  Because the USBenefitPlus’s Website is provided through the Internet, you agree that when you use the USBenefitPlus’s Website, your communications may be intercepted by others.  For this reason, USBenefitPlus cannot guarantee the security and privacy of transmissions via the Internet, and you agree that we will not be liable for any lack of security relating to the use of the USBenefitPlus’s Website by you.  You agree that you will not hold USBenefitPlus liable for any damages resulting from any loss of privacy or security occurring in connection with any communications over such networks.

USBenefitPlus Website includes, among other things, content provided by third parties and may also contain links to third party sites (collectively, “Third Party Content”).  USBenefitPlus does not take responsibility for any Third Party Content.  You understand that USBenefitPlus has no obligation to, and generally does not, approve or monitor materials provided by third parties, including, without limitation, through USBenefitPlus Website.

You acknowledge and agree that third party sites may have different privacy policies and terms and conditions than USBenefitPlus. USBenefitPlus does not verify, make any representations or take responsibility for such third party sites, including, without limitation, the truthfulness, accuracy, quality or completeness of the content, services, links displayed or any other activities conducted on or through such third party sites.  You should carefully review the privacy policy and terms and conditions of each website you visit. USBenefitPlus is not responsible for the content or privacy practices of such third party sites.

UNDER NO CIRCUMSTANCES WILL USBenefitPlus BE LIABLE IN ANY WAY FOR ANY THIRD PARTY CONTENT OR ANY THIRD PARTY SITES, INCLUDING, WITHOUT LIMITATION, LIABILITY FOR ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED OR OTHERWISE TRANSMITTED VIA USBenefitPlus WEBSITE.

THE USBenefitPlus  WEBSITE AND SERVICES ARE PROVIDED “AS IS,” AND MFP AGENCY: (I) MAKES NO REPRESENTATION OR WARRANTY OF ANY KIND WHETHER EXPRESS, IMPLIED (EITHER IN FACT OR BY OPERATION OF LAW), OR STATUTORY, AS TO ANY MATTER WHATSOEVER; (II) EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUALITY, ACCURACY, INFRINGEMENT AND TITLE; AND (III) DOES NOT REPRESENT OR WARRANT THAT THE USBenefitPlus  WEBSITE OR SERVICES WILL BE ACCURATE OR ERROR-FREE, WILL BE AVAILABLE OR THAT ACCESS WILL BE UNINTERRUPTED, WILL MEET YOUR REQUIREMENTS, OR WILL BE TIMELY OR SECURE.  YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE RESULTING FROM THE USE OF, OR INABILITY TO USE, THE USBenefitPlus  WEBSITE OR SERVICES.   USE OF THE USBenefitPlus  WEBSITE AND SERVICES IS AT YOUR SOLE RISK.  USBenefitPlus MAKES NO GUARANTY OF CONFIDENTIALITY OR PRIVACY OF ANY COMMUNICATION OR INFORMATION TRANSMITTED USING THE USBenefitPlus  WEBSITE OR SERVICES. SOME STATES AND JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.  THE FOREGOING SHALL BE ENFORCEABLE TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

The Service Providers We use may have access to Your Personal Data. These third-party vendors collect, store, use, process and transfer information about Your activity on Our Service in accordance with their Privacy Policies.

We may use third-party Service providers to monitor and analyze the use of our Service.

• Google AnalyticsGoogle Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy

We may use Your Personal Data to contact You with newsletters, marketing or promotional materials and other information that may be of interest to You. You may opt-out of receiving any, or all, of these communications from Us by following the unsubscribe link or instructions provided in any email We send or by contacting Us.

We may use Email Marketing Service Providers to manage and send emails to You.

• MailchimpMailchimp is an email marketing sending service provided by The Rocket Science Group LLC.For more information on the privacy practices of Mailchimp, please visit their Privacy policy: https://mailchimp.com/legal/privacy/

The Company uses remarketing services to advertise to You after You accessed or visited our Service. We and Our third-party vendors use cookies and non-cookie technologies to help Us recognize Your Device and understand how You use our Service so that We can improve our Service to reflect Your interests and serve You advertisements that are likely to be of more interest to You.

These third-party vendors collect, store, use, process and transfer information about Your activity on Our Service in accordance with their Privacy Policies and to enable Us to:

• Measure and analyze traffic and browsing activity on Our Service
• Show advertisements for our products and/or services to You on third-party websites or apps
• Measure and analyze the performance of Our advertising campaigns

Some of these third-party vendors may use non-cookie technologies that may not be impacted by browser settings that block cookies. Your browser may not permit You to block such technologies. You can use the following third-party tools to decline the collection and use of information for the purpose of serving You interest-based advertising:

• The NAI’s opt-out platform: http://www.networkadvertising.org/choices/
• The EDAA’s opt-out platform http://www.youronlinechoices.com/
• The DAA’s opt-out platform: http://optout.aboutads.info/?c=2&lang=EN

You may opt-out of all personalized advertising by enabling privacy features on Your mobile device such as Limit Ad Tracking (iOS) and Opt Out of Ads Personalization (Android). See Your mobile device Help system for more information.

We may share information, such as hashed email addresses (if available) or other online identifiers collected on Our Service with these third-party vendors. This allows Our third-party vendors to recognize and deliver You ads across devices and browsers. To read more about the technologies used by these third-party vendors and their cross-device capabilities please refer to the Privacy Policy of each vendor listed below.

The third-party vendors We use are:

• Google Ads (AdWords) – Google Ads (AdWords) remarketing service is provided by Google Inc.You can opt-out of Google Analytics for Display Advertising and customise the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/adsGoogle also recommends installing the Google Analytics Opt-out Browser Add-on – https://tools.google.com/dlpage/gaoptout – for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy
• Facebook – Facebook remarketing service is provided by Facebook Inc.You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/516147308587266To opt-out from Facebook’s interest-based ads, follow these instructions from Facebook: https://www.facebook.com/help/568137493302217Facebook adheres to the Self-Regulatory Principles for Online Behavioural Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/, the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/ or the European Interactive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu/, or opt-out using your mobile device settings.For more information on the privacy practices of Facebook, please visit Facebook’s Data Policy: https://www.facebook.com/privacy/explanation

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent’s consent before We collect and use that information.

Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party’s site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the “Last updated” date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

If you have any questions about this Privacy Policy, You can contact us by clicking here.