Terms of Service

1. Acceptance of these terms

These Terms of Service ("Terms") govern your access to and use of the website at benefitra.com, our calculators and tools, and our related services (collectively, the "Services"), provided by Benefitra ("we," "us," or "our"). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, please do not use the Services.

2. Who we are

Benefitra is an independent benefits brokerage, SaaS platform, and marketing arm operating in the United States. We provide educational content, cost-estimation calculators, and benefits-related services for employers and brokers. Our principal contact for matters relating to these Terms is [email protected].

3. Use of the Services

You may use the Services only in compliance with these Terms and all applicable laws. The Services are intended for business users — primarily employers, brokers, and their advisors. You are responsible for any activity that occurs through your use of the Services and for the accuracy of information you provide.

4. Calculators, tools & estimates

Our calculators (including the EMR Roofing Calculator, Premium Renewal Stress Test, Benefits ROI Calculator, Health Funding Projector, Business Valuation Tool, and similar tools) produce estimates based on the inputs you provide and general industry assumptions. Outputs are illustrative ranges, not quotes, guarantees, or binding offers. Actual costs, premiums, savings, and outcomes depend on many factors and will vary. You should not rely on any calculator output as the sole basis for a financial, insurance, or employment decision.

5. No professional advice

The Services and all content provided through them are for general informational and educational purposes only. They do not constitute legal, tax, accounting, actuarial, insurance, or financial advice, and do not create a broker-client, fiduciary, or advisory relationship unless and until you enter into a separate written agreement with us. Always consult qualified professionals before making decisions about benefits, insurance, or compliance.

6. Accounts and registration

Some features may require you to provide contact or business information or to create an account. You agree to provide accurate, current, and complete information and to keep it updated. You are responsible for safeguarding any credentials and for all activity under your account. Notify us promptly of any unauthorized use.

7. Acceptable use

When using the Services, you agree not to:

• Violate any applicable law or regulation, or infringe the rights of others.
• Attempt to gain unauthorized access to the Services, related systems, or other users' data.
• Interfere with, disrupt, or place undue load on the Services or supporting infrastructure.
• Scrape, harvest, or collect data from the Services except as permitted by us in writing.
• Reverse engineer, copy, or create derivative works of the Services or their underlying code except as permitted by law.
• Use the Services to transmit malware, spam, or fraudulent or misleading content.

8. Intellectual property

The Services, including all content, software, calculators, designs, text, graphics, logos, and trademarks, are owned by Benefitra or our licensors and are protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your internal business purposes. No other rights are granted. The "Benefitra" name and logo may not be used without our prior written permission.

9. Third-party links and services

The Services may contain links to, or integrate with, third-party websites and services (such as insurance carriers, analytics providers, and social platforms). We do not control and are not responsible for the content, policies, or practices of any third party. Your use of third-party services is governed by their own terms and policies.

10. Disclaimers

The Services are provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, secure, or that any estimate or content will be accurate or complete.

11. Limitation of liability

To the fullest extent permitted by law, Benefitra and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or relating to your use of (or inability to use) the Services, even if advised of the possibility of such damages. Our total aggregate liability for any claim relating to the Services will not exceed one hundred U.S. dollars (US$100) or the amount you paid us, if any, for the Services giving rise to the claim, whichever is greater.

12. Indemnification

You agree to indemnify and hold harmless Benefitra and its officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your use of the Services, your violation of these Terms, or your violation of any rights of a third party.

13. Changes to these terms

We may update these Terms from time to time. We will post the updated version on this page with a new "Last updated" date. Material changes will be communicated through the website or by email where appropriate. Your continued use of the Services after a change constitutes acceptance of the updated Terms.

14. Governing law

These Terms are governed by the laws of the United States and the state in which Benefitra is principally located, without regard to conflict-of-laws principles. Any dispute arising from these Terms or the Services will be subject to the exclusive jurisdiction of the courts located there, unless otherwise required by applicable law.

15. Contact us