Risks placed with any company in The Benefit Companies, Inc. group must be placed in accordance with state and federal law, including applicable surplus lines laws.

This website contains information for products that may not be available in all states. The information made available in the non-password protected sections of this website are for general information purposes only and does not constitute an offer to sell or a solicitation to buy any product. Products may only be obtained through an appointed Account Executive licensed in the state where the policy is issued. All inquires should be directed to a The Benefit Companies, Inc. licensed professional.

Securities

Securities and Investment Advisory Services are offered through registered representatives and investment advisor representatives, respectively of SII Investments, Inc.®, a securities broker/dealer (member FINRA/SIPC) and a Registered Investment Adviser. BeneVest and Benefits, Inc. are not affiliated with SII Investments, Inc.®

This Website

This website may be accessed via a number of URLs, including but not limited to “www.benefitsinc.com” “www.thebenefitcompanies.com” and “www.thebenefitcompanies.biz.” It is also possible to access the site through various hyperlinks from other websites, search engines, email messages, etc. All references to “benefitsinc.com” in the following legal policies shall apply to this website, regardless of the address and manner at which it is accessed.

Copyright Notice

Copyright © 2015 The Benefit Companies, Inc. (“The Benefit Companies, Inc.”), 250 N Patrick Blvd, Suite 100, Brookfield, WI 53045. The content, format and imagery of the benefitsinc.com website are copyrighted under United States law by The Benefit Companies, Inc. and are protected by worldwide copyright laws and treaty provisions. Unauthorized duplication is a violation of law. The content, format and imagery of the benefitsinc.com website may not be copied, published, broadcast, distributed, reproduced or transmitted in any way without the prior written consent of The Benefit Companies, Inc. The Benefit Companies, Inc. reserves complete title and full intellectual property rights for materials downloaded from the benefitsinc.com website.

Your Use of This Website is Governed by These Terms and Conditions

Your use of and access to the benefitsinc.com website constitutes your agreement to follow these Terms and Conditions and to be bound by them. If you do not agree with all of these Terms and Conditions, do not use the benefitsinc.com website.

These Terms and Conditions May Change

The Benefit Companies, Inc. reserves the right to update or modify these Terms and Conditions at any time without prior notice. Your use of the benefitsinc.com website following any such modification constitutes your agreement to follow and be bound by the Terms and Conditions as modified. For this reason, we encourage you to review these Terms and Conditions whenever you use this website.

Trademarks, Service Marks and Trade Names

“The Benefit Companies,” “Affordable Care Act Compliance and Services Inc.”, “Benefits, Inc.,” “Beneco, Inc.,” “BeneTrak, Inc.,” “BeneVest, Inc.,” “BenHR, Inc.”, “Select On Time”, and “BenePac, Inc.” are registered trademarks of The Benefit Companies, Inc. Other names, logos, designs, titles, words, recordings or phrases on the benefitsinc.com website may also constitute trademarks, service marks, trade names or other protected intellectual property of The Benefit Companies, Inc. or other entity.

Disclaimers

THE USE OF THE BENEFITSINC.COM WEBSITE SHALL BE LIMITED TO THE BOUNDARIES OF THE UNITED STATES OF AMERICA. THE BENEFIT COMPANIES, INC. BUSINESSES MAKE NO REPRESENTATION OR WARRANTY THAT CONTENT PROVIDED IN BENEFITSINC.COM IS APPLICABLE OR APPROPRIATE FOR USE IN LOCATIONS OUTSIDE THE UNITED STATES OF AMERICA.

THE BENEFITSINC.COM WEBSITE IS OPERATED AND PROVIDED BY THE BENEFIT COMPANIES, INC. ON AN “AS-IS,” “AS AVAILABLE” BASIS, WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND. THE BENEFIT COMPANIES, INC. AND ITS CONSTITUENT COMPANIES DISCLAIM ANY AND ALL REPRESENTATIONS AND WARRANTIES WITH RESPECT TO THIS SITE, AND ITS CONTENTS, WHETHER EXPRESSED, IMPLIED OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

WITHOUT LIMITING THE FOREGOING, THE BENEFIT COMPANIES, INC. DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION ON THE BENEFITSINC.COM WEBSITE IS ACCURATE, COMPLETE OR CURRENT OR THAT THE BENEFITSINC.COM WEBSITE WILL OPERATE WITHOUT INTERRUPTION, WITHOUT ERROR OR WITHOUT DEFECTS, BUGS, VIRUSES OR OTHER HARMFUL COMPONENTS.

ANY LINKS PROVIDED ON THIS SITE MAY ALLOW YOU TO LEAVE THE BENEFITSINC.COM WEBSITE AND CONNECT TO SITES THAT ARE NOT UNDER THE CONTROL OF THE BENEFIT COMPANIES, INC. BUSINESSES. ACCORDINGLY, THE BENEFIT COMPANIES, INC. BUSINESSES DO NOT MAKE ANY REPRESENTATION OR WARRANTY CONCERNING THE SITES, THEIR CONTENT OR SUITABILITY OF THESE SITES, NOR CAN THE FACT THAT THE BENEFIT COMPANIES, INC. HAS PROVIDED THESE LINKS SERVE AS AN ENDORSEMENT OR APPROVAL BY THE BENEFIT COMPANIES, INC. BUSINESSES OF ANY OF THESE SITES.

Limitation of Liability

IF YOU DISAGREE WITH THE TERMS AND CONDITIONS OF THE BENEFITSINC.COM WEBSITE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE BENEFITSINC.COM WEBSITE. YOU AGREE, BY YOUR USE OF THE BENEFITSINC.COM WEBSITE THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK.

UNDER NO CIRCUMSTANCES, SHALL THE BENEFIT COMPANIES, INC. BUSINESSES OR ANY OF THEIR EMPLOYEES, DIRECTORS, OFFICERS, AGENTS BE LIABLE FOR ANY DIRECT OR INDIRECT LOSSES OR DAMAGES ARISING OUT OF OR IN CONNECTION WITH, IN ANY WAY, THE USE OF OR INABILITY TO USE THE BENEFITSINC.COM WEBSITE. YOU SHALL DEFEND, INDEMNIFY AND HOLD THE BENEFIT COMPANIES, INC. BUSINESSES HARMLESS AGAINST ANY SUCH DAMAGES OR LOSSES.

THIS LIMITATION OF LIABILITY APPLIES TO ALL LOSSES AND DAMAGES OF ANY KIND OR NATURE (WHETHER GENERAL, SPECIAL, CONSEQUENTIAL, INCIDENTAL, EXEMPLARY OR OTHERWISE, INCLUDING WITHOUT LIMITATION LOSS OF DATA, INCOME OR PROFITS), WHETHER IN CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, EVEN IF AN AUTHORIZED REPRESENTATIVE OF ANY THE BENEFIT COMPANIES, INC. BUSINESS HAS BEEN ADVISED OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES. YOU SHALL DEFEND, INDEMNIFY AND HOLD THE BENEFIT COMPANIES, INC. BUSINESSES HARMLESS AGAINST ANY SUCH DAMAGES OR LOSSES.

APPLICABLE LAW MAY NOT PERMIT THE LIMITATION OR LIABILITY SET FORTH ABOVE. AS A RESULT, THIS LIMITATION OF LIABILITY MAY NOT APPLY TO YOU. IF ANY PART OF THIS LIMITATION OF LIABILITY IS DETERMINED TO BE UNENFORCEABLE OR INVALID FOR ANY REASON, THEN THE AGGREGATE LIABILITY OF THE BENEFIT COMPANIES, INC. UNDER SUCH CIRCUMSTANCES FOR LIABILITIES THAT OTHERWISE WOULD HAVE BEEN LIMITED SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).

Correction of Errors and Inaccuracies

The content of the benefitsinc.com website, including but not limited to text, pricing, availability and descriptions may contain errors or inaccuracies, and may not be complete or current. The Benefit Companies, Inc. reserves the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice (including after you submit your order and confirmation is received). We apologize for any inconvenience this may cause you.

Submissions

Any submissions by you, including but not limited to remarks, suggestions, ideas, graphics, comments, creative materials or other submissions communicated to The Benefit Companies, Inc. through the benefitsinc.com website shall be and remain the exclusive property of The Benefit Companies, Inc. The Benefit Companies, Inc. shall be entitled to use, reproduce, disclose, publish and distribute any submission for any purpose whatsoever, without restriction or compensation to you in any way.