📄 TERMS OF SERVICE
Effective Date: January 1, 2021
Last Updated: May 1, 2025
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. 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.
7. Limitation of Liability
Health Benefits 360 LLC is not liable for indirect or consequential damages arising from use of our services or website.
8. 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.
9. Contact
For questions about these terms, contact us at:
📧 info@healthbenefits360.com
📞 (973) 315-7897