Terms of service
Thank you for using America’s Choice!
Agreement to Our Legal Terms
We are America’s Choice, LLC (“Company,” “we,” “us,” “our”). Our business registration number is [insert number].
We operate the website https://www.xgroupbenefits.com (the “Site”), as well as any related products and services that reference or link to these Legal Terms (collectively, the “Services”).
You can contact us by email at legal@xgroupbenefits.com or by mail at [insert mailing address].
These Legal Terms constitute a legally binding agreement between you, whether personally or on behalf of an entity (“you”), and America’s Choice, concerning your access to and use of the Services. By accessing the Services, you acknowledge that you have read, understood, and agree to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, YOU ARE PROHIBITED FROM USING THE SERVICES AND MUST DISCONTINUE USE IMMEDIATELY.
Supplemental terms and conditions or documents posted on the Services from time to time are incorporated herein by reference. We may modify these Legal Terms at any time in our sole discretion. Updates will be indicated by a change to the “Last updated” date. It is your responsibility to review these Legal Terms periodically. Your continued use of the Services constitutes acceptance of any revisions.
The Services are intended for users 18 years and older. Persons under 18 are not permitted to use or register for the Services.
We recommend printing a copy of these Legal Terms for your records.
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1. Our Services
The Services provide information and administrative support for group health benefit plans, including self-funded plans with Stop-Loss protection, plan selection guidance, and TPA services.
The Services are intended for businesses and employers in the United States seeking guidance on group health insurance. You may not use the Services in jurisdictions where it would be unlawful or require registration under local laws.
Important: The Services are not a substitute for legal, tax, or regulatory advice. If your business must comply with laws such as HIPAA, GLBA, or other industry-specific regulations, consult appropriate professionals before using the Services.
2. Intellectual Property Rights
Our intellectual property
We own or license all intellectual property in the Services, including software, designs, content, graphics, trademarks, and logos (collectively, “Content” and “Marks”).
The Content and Marks are protected by U.S. and international copyright, trademark, and other laws.
Your use of our Services
Subject to these Legal Terms, we grant you a non-exclusive, non-transferable, revocable license to:
- Access the Services;
- Download or print portions of the Content for internal business use.
No other use of Content or Marks is allowed without written permission. Requests should be sent to legal@xgroupbenefits.com.
3. User Representations
By using the Services, you represent and warrant that:
- You have legal capacity and agree to comply with these Legal Terms;
- You are not a minor;
- You will not use automated tools (bots, scripts) to access the Services;
- You will not use the Services for illegal or unauthorized purposes;
- Your use complies with all applicable laws.
Providing inaccurate information may result in suspension or termination of your access.
4. Prohibited Activities
You may not:
- Use the Services to mislead, harass, or harm others;
- Upload viruses, malware, or harmful scripts;
- Collect user information without consent;
- Attempt to reverse engineer the software or content;
- Use the Services for unauthorized commercial purposes or resale;
- Violate laws or regulations.
5. Disclaimers
The Services are provided “as-is”. We disclaim all warranties, express or implied, including:
- Accuracy or completeness of content;
- Fitness for a particular purpose;
- Non-infringement of third-party rights.
We are not responsible for losses or damages arising from your use of the Services, including any reliance on the Content or connection to third-party providers.
6. Limitation of Liability
To the fullest extent permitted by law, America’s Choice, its affiliates, employees, or agents will not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use or inability to use the Services.
7. Indemnification
You agree to defend, indemnify, and hold us harmless from any claims, losses, or damages arising from:
- Your use of the Services;
- Violation of these Legal Terms;
- Violation of third-party rights;
- Misrepresentation or misuse of the Services.
8. Contact Us
For questions regarding these Legal Terms, please contact:
America’s Choice, LLC
Email: legal@americaschoice.com
Address: [Insert Mailing Address]