Terms of Service

Beneloyal Terms of Service

Last modified: July 18, 2023

Acceptance of Terms and Conditions

Welcome to Beneloyalhealth.com (hereinafter referred to as “Beneloyal” “Company”, “we” or “us”). The following terms and conditions, together with any documents they expressly incorporate by reference (collectively) govern your use of Beneloyalhealth.com, and affiliated websites, and the features found therein (the “Website” or “Service”).

Please read the Terms of Service carefully before you start to use These Services as they set forth your legal rights and obligations.

THIS AGREEMENT CONTAINS A MANDATORY ARBITRATION OF DISPUTES PROVISION THAT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS, AND ALSO LIMITS THE REMEDIES AVAILABLE TO YOU IN THE EVENT OF A DISPUTE.

By using These Services or Services, you accept and agree to be bound and abide by these Terms of Service.

You acknowledge that certain features and functionalities of Beneloyal may require you to accept additional terms that shall be presented to you.

Some of the services that you use within the BeneLoyal service offering your registration of a user account, by registering an account you acknowledge that you are the age of majority in the jurisdiction in which you reside and that you are capable of entering into a contract. To the extent that you may register an account on behalf of an entity, that you have the authority to enter a contract on behalf of the named organization.

By using this Website and Services, and by clicking to accept or agree to the Terms of Service when this option is made available to you, you accept and agree to be bound and abide by these Terms of Service.

Changes to the Terms of Service

We may revise and update these Terms of Service from time to time in our sole discretion. Such changes will become effective immediately when we post them and apply to all access to and use of These Services thereafter. However, any changes to the dispute resolution provisions set forth in Governing Law and Jurisdiction will not apply to any disputes for which the parties have actual notice on or prior to the date the change is posted on These Services.

Your continued use of these Services following the posting of revised Terms of Services means that you accept and agree to the changes. You are expected to check this page each time you access this Website so you are aware of any changes, as they are binding on you.

Beneloyal Services

Beneloyal provides services which allow users to access tools, information, and support services related to health insurance. This includes access to information regarding your health, medical and other benefits offered through your employer, insurer, or other covered entity. Other features are now available, and as they may be made available in the future, offer covered entities administrative support in the delivery of their services.

All Services are provided by Beneloyal, or affiliated companies we partner with to bring you additional features. In some instances, some of our suite of features, including software tools, or administrative support services, or direct consumer guidance may require agreement to additional terms. In all instances, affiliated services will comply with our Privacy and HIPAA obligations.

To the extent any of these added features are provided via mobile applications, your acceptance of the applicable End User License Agreement shall be required.

Medical Advice Disclaimer: To the extent this Service and features therein provide information related to healthcare or medical data. Information provided through the Service is not intended or implied to be a substitute for professional medical advice, diagnosis, or treatment. All content and materials made available through the Service are for general information purposes only. Beneloyal makes no representation regarding the accuracy of information contained on or available through the Service. You are encouraged to confirm any information obtained from or through the Service with a medical professional.

NEVER DISREGARD PROFESSIONAL MEDICAL ADVICE OR DELAY SEEKING MEDICAL TREATMENT BECAUSE OF SOMETHING YOU HAVE READ ON OR ACCESSED THROUGH THE SERVICE.

Beneloyal does not provide medical services or advice, nor do we recommend any course of treatment. If you are experiencing a medical emergency please consult a physician, as these Service are not intended to replace the medical advice of a licensed physician.

User Account Registration

Use of some of these Services, and features and functionalities shall require your creation of a User account. At the time of registration, you will be required to acknowledge the acceptance of these Terms of Service, as well as any terms that may apply to the features which you may select.

At the time of registration, you will be prompted to select a user name, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity.

Your account information is personal to you, you may not share it except to the extent that your use of these Services and features are on behalf of an organization or business entity, or to the extent that the nature of the Services may require or authorize you to input information on behalf of your dependents. Beneloyal may delay your registration or take other actions as needed to validate or authenticate your account and eligibility.

Account Information

You acknowledge that the information you provide during registration is accurate and complete. You further acknowledge that the information you provide in the use of certain features may affect your insurance policies and associated benefits, Beneloyal nor any contracting party shall be responsible for the accuracy of the information you provide.

You may update or amend information provided to us or request a copy of your information by contacting us at [email protected]. We may require proof of identity before updating stored or displayed information.

You may request deletion of stored or displayed information by contacting us at [email protected]. If you request deletion, please be aware that you shall no longer have access to such information, and Beneloyal shall bear no responsibility for lost data. You shall still be liable for all fees for services provided prior to deletion.

Modifications to Service: Beneloyal reserves the right to modify or discontinue, temporarily or permanently, the Service, or any associated feature, with or without notice. You agree that Beneloyal will not be liable to you or to any third party for any modification, suspension, or discontinuance of the Service.

General Practices Regarding Use and Storage: You acknowledge that Beneloyal may establish general practices and limits concerning use of the Service, including the maximum period of time that data or other content will be retained by the Service and the maximum storage space your user account may be allotted. You agree that Beneloyal has no responsibility or liability for the deletion or failure to store any data or other content maintained or uploaded by the Service. Please consult our Privacy Policy at [LINK] for further information. You acknowledge that Beneloyal is storing or processing information or data that is defined under the Health Insurance Portability and

Accountability Act (“HIPAA”) as “Protected Health Information” (“PHI”), and accordingly will comply with the applicable privacy and security requirements set forth under HIPAA.

Intellectual Property Rights

This website and Services, including the entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection, and arrangement thereof), are owned by the Beneloyal, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

These Terms of Service permit you to use These Services for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Website, except as follows:

Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those
You may store files that are automatically cached by your Web browser for display enhancement
You may print [or download] one copy of a reasonable number of pages of These Services for your own personal, non-commercial use and not for further reproduction, publication, or
If we provide desktop, mobile or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such

You must not:

Modify copies of any materials from this
Use any illustrations, photographs, video or audio sequences or any graphics separately from the accompanying
Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this site.
You must not access or use for any commercial purposes any part of These Services or any services or materials available through These
If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of These Services in breach of the Terms of Use, your right to use These Services will cease immediately and you must, at our option, return or destroy any copies of the materials you have No right, title, or interest in or to These Services or any content on These Services is transferred to you, and all rights not expressly granted are reserved by Beneloyal. Any use of These Services not expressly permitted by these Terms of Service is a breach of these Terms of Service and may violate copyright, trademark, and other laws.

Electronic Communications

By using these Services, you consent to receive emails and other electronic communications through your user account. You agree that all such communications, notices, or agreements that we provide to you electronically satisfy any legal requirement that such communications be in writing, as may be required by law.

You further acknowledge that you may opt out of receiving such communications bey updating your notification preferences in your account.

By using the Service and opting to receive emails or other electronic communications, you acknowledge and agree that Beneloyal will be transmitting certain protected health information (“PHI”) as that term is defined under HIPAA, electronically, as further discussed in our Privacy Policy [LINK].

Insurance Related Content: As part of the Service, Beneloyal may provide you with information about the insurance plans offered by your employer, and your enrollment status in these plans. The information displayed on Beneloyal is summarized and is not intended to replace the insurance

policy documents or other related materials. Beneloyal is not an insurer and does not issue insurance policies, or process or facilitate any insurance claims or payments.

Voluntary Insurance Disclaimer: As part of this Service, Beneloyal may provide you with summary information about insurance plans, products, or other services available to you individually via third- party insurers. The information displayed on Beneloyal is summarized and is not intended to replace the insurance policy documents issued by each insurer, nor the enrollment records maintained by each insurer. Beneloyal is not a party to any agreement with third party insurers.

You understand and agree that Beneloyal does not directly control, endorse any third party insurance plans or services, and has no control over the acts or omissions of any such insurers and makes no representations about the suitability of such services provided by any such insurer.

Provider Disclaimer: As part of the Service, Beneloyal may provide you with third party information about Providers network participation with your health plan. You understand and agree that Beneloyal does not direct or control such Providers and is not responsible or liable in any manner for the performance or conduct of any Providers and makes no representation regarding the quality of their services.

Prohibited Uses

User Code of Conduct

In using Beneloyal and related Services the following acceptable use policy shall apply. As a user of these services, you warrant you shall not:

Deliver any unsolicited advertisement, promotional materials, junk email, bulk email (also known as “spam”), chain letters, surveys, or
Deliver any unlawful (according to local, state, federal, or international law or regulation) postings to or through this Beneloyal, or any postings which advocate illegal
Deliver, or provide links to, any postings containing material that could be considered harmful, obscene, pornographic, indecent, lewd, violent, abusive, profane, insulting, threatening, harassing, hateful or otherwise
Deliver, or provide links to, any postings containing material that harasses, victimizes, degrades, or intimidates an individual or group of individuals based on religion, race, ethnicity, sexual orientation, gender, age, or
Deliver, or provide links to, any postings containing defamatory, false, or libelous
Deliver any posting that infringes or violates any intellectual property or other rights, including copyrights, patents, trademarks, laws governing trade secrets, rights to privacy, or
Deliver any posting or enter into an agreement that you do not have a right to make under law, regulation or contractual or fiduciary
Impersonate another person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity or adopt a false identity if the purpose of doing so is to mislead, deceive, or defraud
Manipulate identifiers, including by forging headers, in order to disguise the origin of any posting that you
Deliver any posting containing personal information, such as phone numbers, social security numbers, account numbers, addresses or employer
Use this service in any manner which could damage, disable, overburden, or impair or otherwise interfere with the use of this Website or other users’ Devices, or cause damage, disruption or limit the functioning of any software, hardware, or telecommunications
Obtain or attempt to obtain any materials or information through any means not intentionally made available through this Website, including harvesting, or otherwise collecting information about others such as email addresses.

Geographic Restrictions

Software available in connection with These Services and attendant Services and the transmission of applicable data, if any, is subject to United States export controls. No Software may be downloaded from the Service or otherwise exported or re-exported in violation of U.S. export laws. Beneloyal is based in the state of Texas in the United States. We provide this

Website and attendant Services for use only by persons located in the United States. We make no claims that These Services or any of its content is accessible or appropriate outside of the United States. Access to These Services may not be legal by certain persons or in certain countries. If you access These Services or Services from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

Commercial Use: Unless otherwise expressly authorized herein or in a separate Service Agreement, you agree not to display, distribute, license, perform, publish, reproduce, duplicate, copy, create derivative works from, modify, sell, resell, exploit, transfer or upload for any commercial purposes, any portion of the Service, use of the Service, or access to the Service. The Service is for your personal use.

Third Party Material: Under no circumstances will Beneloyal be liable in any way for any content or materials of any third parties, including, but not limited to, for any errors or omissions in any content, or for any loss or damage of any kind incurred as a result of the use of any such content. You agree that Beneloyal cannot undertake screening of all content but may remove content at their sole discretion. We do not guarantee the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to These Services, or by anyone who may be informed of any of its contents.

User Contributions

To the extent Beneloyal features may allow Users to transmit content through these Services, including chat functions, User profiles and other interactive features (collectively,” Interactive Services”) that allow users to, submit, publish, or display content to or other persons (hereinafter, ”post”) content or materials (collectively, ”User Contributions”) on or through the Services.

All User Contributions must comply with the Content Standards set out in these Terms of Service.

Any User Contribution you post to these Services shall be considered non-confidential and non- proprietary. By providing any User Contribution on these Services, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors and assigns the right to use, reproduce, modify, perform, display, distribute and otherwise disclose to third parties any such material for any purpose/according to your account settings.

You represent and warrant that:

You own or control all rights in and to the User Contributions and have the right to grant the license granted above to us and our affiliates and service providers, and each of their and our respective licensees, successors, and
All your User Contributions do and will comply with these Terms of

You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and you, not Beneloyal, have full responsibility for such content, including its legality, reliability, accuracy and appropriateness.

We are not responsible, or liable to any third party, for the content or accuracy of any User Contributions posted by you or any other user of the Services.

Beneloyal Obligations

To provide and process the Service to you, Beneloyal shares your personally identifiable information with our affiliates, or authorized service providers that perform certain services or functions on our behalf. Beneloyal may be required by Law to disclose information you have provided in using the Service pursuant to our Privacy Policy.

Dispute Resolution By Binding Arbitration: PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS.

Agreement to Arbitrate

This Dispute Resolution by Binding Arbitration section is referred to in this Terms of Service as the “Arbitration Agreement.” You agree that any and all disputes or claims that have arisen or may arise between you and Beneloyal, whether arising out of or relating to this Terms of Service (including any alleged breach thereof), the Service, any advertising, any aspect of the relationship or transactions between us, shall be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Agreement. You agree that, by entering into these Terms of Service, you and Beneloyal are each waiving the right to a trial by jury or to participate in a class action. Your rights will be determined by a neutral arbitrator, not a judge or jury. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement.

b. Prohibition of Class and Representative Actions and Non-Individualized Relief

YOU AND BENELOYAL AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND BENELOYAL AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIM(S), EXCEPT THAT YOU MAY PURSUE A CLAIM FOR AND THE ARBITRATOR MAY AWARD PUBLIC INJUNCTIVE RELIEF UNDER APPLICABLE LAW TO THE EXTENT REQUIRED FOR THE ENFORCEABILITY OF THIS PROVISION.

c. Pre-Arbitration Dispute Resolution

Beneloyal is always interested in resolving disputes amicably and efficiently, and most customer concerns can be resolved quickly and to the customer’s satisfaction by emailing customer support at [email protected]. If such efforts prove unsuccessful, a party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to Beneloyal should be sent to 16300 Katy Fwy, STE 140 Houston, TX 77094 (“Notice Address”). The Notice must (i) describe the nature and basis of the claim or dispute and

(ii) set forth the specific relief sought. If Beneloyal and you do not resolve the claim within sixty

(60) calendar days after the Notice is received, you or Beneloyal may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by Beneloyal or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or Beneloyal is entitled.

d. Arbitration Procedures

Arbitration will be conducted by a neutral arbitrator in accordance with the American Arbitration Association’s (“AAA”) rules and procedures, including the AAA’s Consumer Arbitration Rules (collectively, the “AAA Rules”), as modified by this Arbitration Agreement. For information on the AAA, please visit its website, http://www.adr.org. Information about the AAA Rules and fees for consumer disputes can be found at the AAA’s consumer arbitration

page, http://www.adr.org/consumer_arbitration. If there is any inconsistency between any term of the AAA Rules and any term of this Arbitration Agreement, the applicable terms of this Arbitration Agreement will control unless the arbitrator determines that the application of the inconsistent Arbitration Agreement terms would not result in a fundamentally fair arbitration. The arbitrator must also follow the provisions of these Terms of Service as a court would. All issues are for the arbitrator to decide, including, but not limited to, issues relating to the scope, enforceability, and arbitrability of this Arbitration Agreement. Although arbitration proceedings are usually simpler and more streamlined than trials and other judicial proceedings, the arbitrator can award the same damages and relief on an individual basis that a court can award to an individual under the Terms of Service and applicable Law. Decisions by the arbitrator are enforceable in court and may be overturned by a court only for very limited reasons.

Unless Beneloyal and you agree otherwise, any arbitration hearings will take place in a reasonably convenient location for both parties with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, the determination shall be made by AAA. If your claim is for $10,000 or less, Beneloyal agrees that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based.

e. Costs of Arbitration

Payment of all filing, administration, and arbitrator fees (collectively, the “Arbitration Fees”) will be governed by the AAA Rules, unless otherwise provided in this Arbitration Agreement. If the value of the relief sought is $75,000 or less, at your request, Beneloyal will pay all Arbitration Fees. If the value of relief sought is more than $75,000 and you can demonstrate to the arbitrator that you are economically unable to pay your portion of the Arbitration Fees or if the arbitrator otherwise determines for any reason that you should not be required to pay your portion of the Arbitration Fees, Beneloyal will pay your portion of such fees. In addition, if you demonstrate to the arbitrator that the costs of arbitration will be prohibitive as compared to the costs of litigation, Beneloyal will pay as much of the Arbitration Fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. Any payment of attorneys’ fees will be governed by the AAA Rules.

f. Confidentiality

All aspects of the arbitration proceeding, and any ruling, decision, or award by the arbitrator, will be strictly confidential for the benefit of all parties.

g. Severability

If a court or the arbitrator decides that any term or provision of this Arbitration Agreement (other than the subsection (b) titled “Prohibition of Class and Representative Actions and Non- Individualized Relief” above) is invalid or unenforceable, the parties agree to replace such term or provision with a term or provision that is valid and enforceable and that comes closest to expressing the intention of the invalid or unenforceable term or provision, and this Arbitration Agreement shall be enforceable as so modified. If a court or the arbitrator decides that any of the provisions of subsection (b) above titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” are invalid or unenforceable, then the entirety of this Arbitration Agreement shall be null and void, unless such provisions are deemed to be invalid or unenforceable solely with respect to claims for public injunctive relief. The remainder of the Terms of Service will continue to apply.

h. Future Changes to Arbitration Agreement

Notwithstanding any provision in this Terms of Service to the contrary, Beneloyal agrees that if it makes any future change to this Arbitration Agreement (other than a change to the Notice Address) while you are a user of the Service, you may reject any such change by sending

Beneloyal written notice within thirty (30) calendar days of the change to the Notice Address provided above. By rejecting any future change, you are agreeing that you will arbitrate any dispute between us in accordance with the language of this Arbitration Agreement as of the date you first accepted these Terms of Service (or accepted any subsequent changes to these Terms of Service).

Disclaimer of Warranties

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or These Services will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THESE SERVICES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THESE SERVICES OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

YOUR USE OF THESE SERVICES, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THESE SERVICES IS AT YOUR OWN RISK. THESE SERVICES, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THESE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER BENELOYAL NOR ANY PERSON ASSOCIATED WITH BENELOYAL MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THESE SERVICES. WITHOUT LIMITING THE FOREGOING, NEITHER BENELOYAL NOR ANYONE ASSOCIATED WITH BENELOYAL REPRESENTS OR WARRANTS THAT THESE SERVICES, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THESE SERVICES WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THESE SERVICES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THESE SERVICES WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

BENELOYAL HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation on Liability

IN NO EVENT WILL BENELOYAL, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THESE SERVICES, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THESE SERVICES OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THESE SERVICES OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Indemnification

You agree to defend, indemnify and hold harmless Beneloyal, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Service or your use of These Services, including, but not limited to, your User Contributions, any use of These Services content, services and products other than as expressly authorized in these Terms of Service or your use of any information obtained from These Services.

Termination

You agree that Beneloyal, in its sole discretion, may suspend or terminate your account (or any part thereof) or use of the Service and remove and discard any content within the Service, for any reason, including, without limitation, for lack of use or if Beneloyal believes that you have violated or acted inconsistently with these Terms of Service. Any suspected fraudulent, abusive, or illegal activity that may be grounds for termination of your use of Service. Beneloyal may also in its sole discretion and at any time discontinue providing the Service, or any part thereof, with or without notice. You agree that any termination of your access to the Service under any provision of this Terms of Service may be affected without prior notice and acknowledge and agree that Beneloyal may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or the Service. Further, you agree that Beneloyal will not be liable to you or any third party for any termination of your access to the Service.

Entire Agreement

The Terms of Service, our Privacy Policy and all attendant agreements constitute the sole and entire agreement between you and Beneloyal with respect to the Website and Services and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Services.

Questions or Concerns

Please contact us at contact@beneloyalhealth.com to report any violations of these Terms of Service or to pose any questions regarding this Terms of Service or the Service.