Welcome to My Benefits Guardian. By accessing or using our website and services, you agree to comply with and be bound by the following Terms of Use. Please read these terms carefully. If you do not agree to these terms, you must not use our website or services.
1. Acceptance of Terms
By accessing or using our website, services, or any related content, you agree to be bound by these Terms of Use and any other applicable policies or guidelines. We reserve the right to modify these terms at any time, and any changes will be effective immediately upon posting on this website. Your continued use of the site constitutes acceptance of the revised terms.
2. Services Provided
My Benefits Guardian offers a healthcare savings membership program that provides access to various healthcare services and benefits. The specifics of the services, including pricing, are described on our website and are subject to change.
3. Eligibility
To use our services, you must be at least 18 years old and legally capable of entering into binding agreements. If you are using our services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms of Use.
4. User Responsibilities
4.1 Account Information
You are responsible for maintaining the confidentiality of your account information, including your username and password. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.
4.2 Use of Services
You agree to use our services only for lawful purposes and in accordance with these Terms of Use. You shall not:Violate any applicable laws or regulationsEngage in any conduct that could harm our website or servicesAttempt to gain unauthorized access to our systems or accounts
5. Intellectual Property
5.1 Ownership
All content, trademarks, and other intellectual property on our website are owned by or licensed to My Benefits Guardian. You may not use, reproduce, or distribute any content without our prior written consent.
5.2 Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our website and services for personal, non-commercial purposes. This license does not include the right to modify, copy, or distribute our content.
6. Disclaimer of Warranties
Our website and services are provided on an "as-is" and "as-available" basis. We make no representations or warranties of any kind, express or implied, regarding the operation of our website or the availability, accuracy, or reliability of our services.
7. Limitation of Liability
To the fullest extent permitted by law, My Benefits Guardian shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our website or services, even if we have been advised of the possibility of such damages.
8. Indemnification
You agree to indemnify, defend, and hold harmless My Benefits Guardian and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses arising from your use of our website or services, or any violation of these Terms of Use.
9. Termination
We reserve the right to suspend or terminate your access to our website or services at any time, with or without cause, and with or without notice, if we believe you have violated these Terms of Use or engaged in any unlawful or inappropriate conduct.
10. Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to its conflict of law principles. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts in Massachusetts.
11. Dispute Resolution
Any disputes or claims arising out of or relating to these Terms of Use or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in Massachusetts.
12. Severability
If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision will be replaced with a valid, enforceable provision that reflects the original intent as closely as possible.
13. Entire Agreement
These Terms of Use constitute the entire agreement between you and My Benefits Guardian regarding your use of our website and services and supersede any prior agreements or understandings, whether written or oral, related to such use.
14. Contact Information
If you have any questions or concerns about these Terms of Use, please contact us here.
By using our website and services, you acknowledge that you have read, understood, and agree to these Terms of Use.
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