Terms of Use

1. Acceptance of Terms

By accessing or using the BenefitSmart website (benefitsmart.org), you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use our site.

These terms apply to all visitors, users, and anyone who accesses or uses our site. Use of this site constitutes acceptance of these terms.

2. About BenefitSmart

BenefitSmart is a 501(c)(3) nonprofit educational organization. Our mission is to provide free, plain-language education about employee benefits to working Americans.

BenefitSmart is not an insurance company, insurance broker, insurance agent, financial advisor, or attorney. We do not sell, underwrite, or administer insurance products of any kind. We do not receive commissions or compensation from insurance carriers or employers.

3. Educational Content & Disclaimer

Employee benefit rules, contribution limits, plan designs, and applicable law change frequently. Information on this site may not reflect the most current rules or may not apply to your specific plan, employer, state, or situation.

You should consult with:

• A licensed insurance broker or agent for advice about selecting insurance coverage
• A certified financial planner or advisor for retirement and savings decisions
• A qualified tax professional regarding tax implications of benefits elections
• Your employer's HR department for information specific to your benefit plan
• An attorney for legal questions related to employee benefits law

BenefitSmart makes no warranty, express or implied, that information on this site is accurate, complete, current, or suitable for any particular purpose.

4. Permitted Use

You may use this site and its content for the following purposes:

• Personal, non-commercial education about employee benefits
• Sharing links to our content with coworkers, friends, or family
• Employers and HR professionals using our content to support employee education (with attribution to BenefitSmart)
• Educators and nonprofits referencing our materials in an educational context (with attribution)

5. Prohibited Use

You may not use this site or its content to:

• Reproduce, republish, or distribute our original content for commercial purposes without written permission
• Misrepresent BenefitSmart's content as your own work or as advice from a licensed professional
• Use our name, logo, or brand to imply endorsement of any product, service, or organization
• Scrape, copy, or systematically download content for use in competing services
• Attempt to gain unauthorized access to any part of our systems
• Upload or transmit malware, viruses, or other harmful code
• Engage in any activity that violates applicable law

6. Intellectual Property

All original content on this site — including text, graphics, logos, video scripts, and design elements created by BenefitSmart — is the property of BenefitSmart and is protected by applicable copyright law.

The BenefitSmart name and logo are trademarks of BenefitSmart. You may not use them without prior written permission.

We support sharing educational content. You are welcome to share links to our pages, quote brief excerpts with attribution, and reference our materials in educational contexts. For other uses, contact us at [email protected].

7. Third-Party Links & Embeds

Our site may contain links to or embed content from third-party websites and services (including YouTube). These links are provided for convenience and informational purposes.

BenefitSmart does not control, endorse, or assume responsibility for the content, privacy practices, or accuracy of any third-party website. Linking to a third-party site does not constitute an endorsement of that site, its operators, or its content.

We are not responsible for the availability, content, or practices of any linked or embedded external resource.

8. Disclaimer of Warranties

THIS SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY.

BenefitSmart does not warrant that:

• The site will be uninterrupted, error-free, or free of viruses or other harmful components
• Any information on the site is accurate, complete, reliable, or current
• The site will meet your specific needs or expectations

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, BENEFITSMART, ITS DIRECTORS, OFFICERS, EMPLOYEES, VOLUNTEERS, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THIS SITE OR ITS CONTENT.

This includes, without limitation, damages arising from:

• Reliance on information provided on this site
• Errors or omissions in our content
• Decisions made regarding insurance plan selection or benefits enrollment
• Unauthorized access to or alteration of your data
• Any interruption or cessation of our services

In no event shall BenefitSmart's total liability to you for all claims exceed one hundred dollars ($100). Because BenefitSmart is a nonprofit providing free educational content, this limitation is reasonable and essential to our ability to operate.

10. Indemnification

You agree to defend, indemnify, and hold harmless BenefitSmart and its directors, officers, employees, volunteers, and agents from any claims, liabilities, damages, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of this site in violation of these Terms
• Your violation of any third-party rights
• Your violation of any applicable law

11. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law provisions.

Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Gwinnett County, Georgia.

12. Changes to These Terms

We may update these Terms of Use from time to time. When we do, we will update the "Last updated" date at the top of this page. Material changes will be noted prominently.

Continued use of our site after any update constitutes acceptance of the revised Terms. If you do not agree to updated Terms, you should discontinue use of the site.

13. Contact Us

Questions about these Terms of Use? Contact us:

• Email: [email protected]
• Mailing address: 516 Sosebee Farm Rd, PO Box 286, Grayson, GA 30017

You may also review our Privacy Policy.