📄 TERMS OF SERVICE

Effective Date: January 1, 2021

Last Updated: May 1, 2026


1. Acceptance of Terms

By accessing or using this website (healthbenefits360.com), you agree to be bound by these Terms of Service and our Privacy Policy, both governed by Health Benefits 360 LLC.

2. Services Provided

Health Benefits 360 LLC provides insurance education, application assistance, and enrollment support for ACA, Medicare, group, and student health plans. Our team consists of licensed agents and brokers.

3. No Legal or Tax Advice

The information provided on our website or by our agents is not legal or tax advice. You should consult a qualified professional for those services.

4. Accuracy of Information

We strive to provide accurate and up-to-date information but cannot guarantee that all content is error-free. Insurance rules, availability, and pricing may vary by location and change without notice.

5. User Responsibilities

You agree not to use our website:

  • To submit false or misleading information

  • To violate any applicable laws or regulations

  • To upload malware or attempt unauthorized access

6. SMS / Text Messaging Communications

By providing your mobile phone number to Health Benefits 360, you expressly consent to receive SMS text messages from us related to your insurance enrollment, account servicing, and inquiries.

  • Message frequency varies based on the nature of your account and ongoing inquiries.

  • Standard message and data rates may apply depending on your carrier.

  • Reply STOP to any message to unsubscribe at any time.

  • Reply HELP to any message for assistance, or contact us at 973-315-7897.

  • Mobile carriers are not liable for delayed or undelivered messages.

  • Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. SMS opt-in data and consent will not be shared with any third parties.

For complete details on how we handle SMS data, please see our Privacy Policy.

7. Intellectual Property

All content, branding, and images on this site are owned or licensed by Health Benefits 360 LLC. Reproduction or redistribution without written consent is prohibited.

8. Limitation of Liability

Health Benefits 360 LLC is not liable for indirect or consequential damages arising from use of our services or website.

9. Changes to Terms

We may update these Terms of Service at any time. Continued use of the website after changes are posted constitutes your acceptance.

10. Contact

For questions about these terms, contact us at: 📧 info@healthbenefits360.com 📞 (973) 315-7897