Terms of Service

1. Acceptance of Terms

By accessing or using the website located at https://ybginsurance.com (the "Site"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree to these Terms, please do not use the Site. These Terms apply to all visitors, users, and others who access or use the Site.

2. Description of Services

Your Benefits Group Agency, LLC is a licensed insurance agency. Our Site provides:

• General information about health, dental, vision, life, final expense, and employee benefits insurance.
• A form to request contact from a licensed insurance agent.
• Links to third-party self-enrollment portals for Medicare, ACA Marketplace, Term Life, and Short-Term Medical plans.
• A career application form for licensed and unlicensed insurance professionals.

We do not sell insurance directly through this website. All insurance products are offered through licensed agents and subject to carrier underwriting and approval.

3. No Insurance or Legal Advice

The content on this Site is for general informational purposes only and does not constitute insurance advice, legal advice, or a binding insurance quote. Coverage availability, pricing, and eligibility vary by carrier, state, and individual circumstances. Always consult a licensed insurance professional before making coverage decisions.

4. Third-Party Links & Enrollment Portals

Our Site contains links to third-party websites and enrollment portals (e.g., Medicare.gov, HealthCare.gov, carrier portals). These links are provided for your convenience. We have no control over the content, privacy practices, or accessibility of third-party sites and are not responsible for any loss or damage arising from your use of them. We encourage you to review the privacy policies of any third-party sites you visit.

5. User Conduct

You agree not to:

• Submit false, misleading, or fraudulent information through any form on the Site.
• Use the Site for any unlawful purpose or in violation of any applicable law or regulation.
• Attempt to gain unauthorized access to any portion of the Site or its related systems.
• Interfere with or disrupt the integrity or performance of the Site.
• Harvest or collect personal information of other users.

6. Intellectual Property

All content on this Site — including text, graphics, logos, and images — is the property of Your Benefits Group Agency, LLC or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.

7. Disclaimer of Warranties

THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOUR BENEFITS GROUP AGENCY, LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THESE TERMS SHALL NOT EXCEED $100.

9. Indemnification

You agree to indemnify, defend, and hold harmless Your Benefits Group Agency, LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your violation of any rights of another.

10. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be resolved exclusively in the state or federal courts located in Broward County, Florida. You consent to personal jurisdiction in those courts.

11. Accessibility

We are committed to making our Site accessible to all users, including those with disabilities, in accordance with the Americans with Disabilities Act (ADA) and WCAG 2.1 Level AA guidelines. If you experience any accessibility barriers, please contact us at [email protected] and we will make reasonable accommodations.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. We will update the "Effective Date" at the top of this page when changes are made. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.