1. Introduction and Acceptance of Terms
These Terms and Conditions (“Terms”) govern your access to and use of the GoBenefits website at www.gobenefits.com and any website features or services expressly covered by these Terms.
“GoBenefits,” “we,” “our,” or “us” refers to the GoBenefits legal entity identified in the applicable service agreement or other governing legal documentation.
By accessing or using this website, you agree to these Terms. If you do not agree, please discontinue use of the website.
Certain services, including insurance quoting, employee benefits enrollment, and benefits administration, may be governed by separate written agreements. Those agreements apply in accordance with their provisions and applicable law.
2. About GoBenefits and Our Services
GoBenefits helps employers evaluate group health insurance options and manage employee benefits. Depending on the applicable service arrangement, our services may include:
- Group health insurance quoting and plan comparisons.
- Medical, dental, vision, disability, and other employee benefit options.
- Online employee enrollment and benefits administration.
- Support with employee eligibility, benefit elections, and employer contributions.
- Payroll-related integrations and administrative support.
- Assistance with applicable Affordable Care Act (ACA) reporting and related administrative processes.
The services available to each customer depend on the applicable agreement, eligibility requirements, participating providers, and other relevant conditions.
Information on our website describes our services generally and does not guarantee that every service or benefit option will be available to every employer or employee.
3. Insurance Quotes, Plan Information, and Coverage
Information about insurance plans, quotes, premiums, provider networks, benefits, deductibles, copayments, coinsurance, and coverage requirements may change and may be subject to eligibility rules, carrier requirements, geographic availability, and other conditions.
Website content and general plan comparisons are provided for informational purposes and do not replace official insurance policies, certificates of coverage, plan documents, or applicable summary plan descriptions.
Final coverage, exclusions, premiums, eligibility, and other insurance terms are determined by the applicable insurer and governing policy or plan documents.
Submitting an inquiry or requesting an insurance quote does not guarantee coverage, approval, a particular premium, or acceptance by an insurance carrier.
4. No Guarantee of Savings or Specific Results
GoBenefits helps employers assess available benefits options and make informed decisions based on their circumstances.
Actual premiums, savings, employee participation, coverage, and administrative outcomes depend on factors such as workforce characteristics, plan selection, carrier requirements, eligibility, and employer decisions.
Any examples, estimates, or results presented on our website are illustrative unless expressly stated otherwise. They should not be interpreted as a guarantee of future results.
5. User Responsibilities
When accessing our website or using our services, you agree to:
- Provide accurate and complete information when submitting inquiries or using relevant features.
- Update information when necessary to maintain its accuracy.
- Use the website only for lawful purposes.
- Protect your account credentials and prevent unauthorized access where accounts are provided.
- Respect the intellectual property and legal rights of GoBenefits and others.
- Avoid interfering with website security, availability, or functionality.
- Refrain from uploading malicious software or attempting unauthorized access to systems or data.
- Ensure you have the necessary authority to submit personal information about employees or dependents.
You must not use our website to engage in fraud, impersonation, unlawful activity, or conduct that compromises the security or rights of others.
6. Employer and Employee Responsibilities
Employers using GoBenefits’ services are responsible for providing accurate information required for the services they request and for fulfilling their obligations under applicable agreements and law.
Depending on the arrangement, employer responsibilities may include reviewing employee eligibility, verifying enrollment information, communicating relevant benefits information, maintaining appropriate authorizations, and ensuring that information submitted on behalf of employees or dependents is handled lawfully.
Employees and other authorized users are responsible for reviewing information they submit, safeguarding their login credentials where applicable, and reporting suspected errors or unauthorized account activity through appropriate channels.
The responsibilities of GoBenefits, employers, insurers, plan administrators, and other service providers depend on applicable law and the relevant agreements. Nothing in these Terms transfers or removes a legal responsibility that a party must retain.
7. Accounts and Platform Access
Certain GoBenefits features and services may require an account or authorized access.
Where accounts are provided, you are responsible for maintaining the confidentiality of your login credentials and using your account appropriately. Please notify GoBenefits through an approved support channel if you suspect unauthorized access.
We may restrict, suspend, or discontinue access when reasonably necessary to protect our systems, investigate suspected misuse, perform maintenance, comply with legal obligations, or enforce applicable terms, subject to any governing agreement and applicable law.
Access to specific services may depend on account permissions, eligibility, and technical availability.
8. Fees and Payment Terms
Any fees, charges, billing arrangements, payment schedules, cancellation provisions, or other financial obligations relating to GoBenefits services are governed by the applicable proposal, order, subscription, or written service agreement.
Unless expressly stated in an applicable agreement, general website information does not establish a binding fee schedule or payment obligation.
Customers should review their service documentation for applicable charges and payment requirements.
9. Third-Party Services and Integrations
GoBenefits may work with insurance carriers, benefits providers, payroll systems, technology vendors, and other third-party services to support the services requested by customers.
Third-party services may be subject to separate terms, privacy notices, eligibility requirements, and service conditions. Where a third party collects or processes information independently, its own policies may apply.
GoBenefits does not control every aspect of third-party services. However, nothing in this section excludes responsibilities that GoBenefits retains under applicable law or an applicable agreement.
10. Social Media Disclaimer and User Conduct
GoBenefits may maintain social media pages or profiles to share company updates, provide general information about employee benefits, and communicate with employers, employees, and other interested individuals.
Acceptable Social Media Use
When interacting with GoBenefits on social media, you agree not to post or share content that:
- Is unlawful, threatening, harassing, discriminatory, defamatory, or abusive.
- Contains spam, fraudulent offers, unsolicited advertising, or intentionally misleading information.
- Infringes another person’s intellectual property, privacy, or other legal rights.
- Contains malicious links, harmful software, or material intended to compromise systems.
- Discloses another person’s confidential or personal information without appropriate authorization.
- Impersonates GoBenefits, its representatives, or another person or organization.
Moderation and Removal of Content
Where permitted by applicable law and the relevant platform’s rules, GoBenefits may hide or remove content that violates these guidelines, restrict interactions, or report suspected abuse to the platform.
We may respond to public comments or direct users to an appropriate support channel. However, we are not obligated to monitor every comment or submission, and we cannot guarantee that all inappropriate content will be identified or removed.
Protecting Personal and Benefits Information
Do not post Social Security numbers, insurance identification numbers, account credentials, financial details, medical records, health information, or other sensitive personal information in public comments or posts.
Social media is not an approved channel for submitting confidential employee benefits or health information unless GoBenefits expressly identifies a specific secure process for that purpose.
For assistance with an account, enrollment, insurance quote, or benefits-related matter, use an appropriate GoBenefits support channel.
General Information and No Individual Advice
Information shared on GoBenefits’ social media pages is for general informational purposes and does not constitute individual insurance, medical, legal, or tax advice.
Social media posts do not determine insurance eligibility, guarantee coverage, or replace official policy and plan documents. For personal medical questions, consult a qualified healthcare professional.
Comments and opinions posted by other users are their own and do not necessarily represent the views of GoBenefits. The appearance of third-party content on a GoBenefits social media page does not necessarily indicate endorsement.
Third-Party Social Media Platforms
GoBenefits does not control the policies, security practices, content, or advertising decisions of third-party social media platforms.
Your use of those platforms is subject to their own terms, privacy policies, and settings. Information you provide directly to a third-party platform may be collected and used according to that platform’s practices.
For information about how GoBenefits handles personal information, please review our Privacy Policy.
11. Intellectual Property
Unless otherwise stated, website text, graphics, branding, logos, design, and other materials are owned by or licensed to GoBenefits and may be protected by intellectual property laws.
You may access and use website content for personal information and legitimate internal business purposes. Reproducing, distributing, modifying, publishing, or commercially exploiting protected materials without appropriate permission is prohibited except where permitted by law.
Nothing in these Terms transfers ownership of GoBenefits’ intellectual property to you.
12. Privacy and Information Security
Your use of our website and services is also subject to the GoBenefits Privacy Policy.
You are responsible for ensuring that information you submit is appropriate for the relevant channel and that you have the necessary authority to provide it.
Certain benefits administration services may involve additional privacy requirements or contractual arrangements. Where applicable, separate privacy notices, data-processing agreements, or business associate agreements may govern the handling of particular information.
13. Website Availability and Accuracy
We aim to provide useful and accurate information, but we do not guarantee that all website content will always be complete, current, uninterrupted, or error-free.
We may update, correct, suspend, or remove website content and features as our services and circumstances change, subject to applicable law and contractual obligations.
We are not responsible for disruptions caused by circumstances beyond our reasonable control, except where liability cannot lawfully be excluded.
14. Disclaimers
To the extent permitted by applicable law, the website and its general informational content are provided on an “as available” basis.
Nothing in these Terms guarantees uninterrupted access, error-free operation, eligibility for insurance, acceptance by a carrier, a particular level of savings, or a specific administrative or compliance outcome.
These terms do not replace official insurance policy documents, governing plan documents, or separate service agreements. Nothing in this section excludes or limits a right or liability that cannot lawfully be excluded or limited.
15. Limitation of Liability
To the maximum extent permitted by applicable law, GoBenefits will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from the use of the website or inability to access it, where such exclusions are legally enforceable.
Liability relating to contracted services, benefits administration, or other business arrangements may be governed by the applicable written agreement and mandatory legal requirements.
Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law.
16. Indemnification
To the extent permitted by applicable law, you may be responsible for losses, claims, or reasonable expenses arising from your unlawful use of the website, material breach of these Terms, or infringement of another party’s rights.
This provision does not impose liability where prohibited by law or override the allocation of responsibilities established in an applicable written agreement.
17. Suspension and Termination
We may restrict or suspend website access when reasonably necessary for security, maintenance, suspected misuse, legal compliance, or enforcement of these Terms.
Termination of a separate GoBenefits service, including the handling of information following termination, is governed by the applicable service agreement and relevant legal requirements.
18. Governing Law and Disputes
These Terms will be governed by the laws of [Insert Confirmed State and Applicable Jurisdiction], except where applicable law requires otherwise.
Any provisions concerning court jurisdiction, venue, arbitration, or dispute resolution must be confirmed before publication and interpreted consistently with applicable law and any governing service agreement.
19. Changes to These Terms
We may update these terms to reflect changes in our website, services, business practices, or legal requirements.
The revised terms will be published on this page with an updated “Last Updated” date. Where required by law or an applicable agreement, we will provide additional notice or obtain consent before applying changes.
Continued use of the website after the revised terms become effective constitutes acceptance only to the extent recognized by applicable law.
20. Severability and Separate Agreements
If any provision of these Terms is found unenforceable, the remaining provisions will continue to apply to the extent permitted by law.
These terms govern website use and do not replace a separate written agreement governing specific GoBenefits services. Additional terms in an applicable agreement will apply according to that agreement and applicable law.
21. Contact Us
For questions about these Terms and Conditions, please contact:
GoBenefits
6125 Luther Lane, Suite 240
Dallas, TX 75225, USA
Phone: 214-799-1604
Email: support@gobenefits.com
Website: www.gobenefits.com