Terms & Conditions

Terms of Use for Insurance Benefits Association. Effective Date: 2/8/2026

Welcome to the website of Insurance Benefits Association ("Insurance Benefits Association," "we," "us," or "our"). These Terms of Use govern your access to and use of our website, services, tools, content, and applications (collectively, the "Services"). By using our Services, you agree to abide by these Terms of Use. If you do not agree, please discontinue use of the Services immediately.

1. Eligibility

You must be at least 18 years old to use our Services. By using our website, you confirm that you are of legal age and possess the authority to enter into this agreement.

2. Use of the Services

You may use our Services for lawful purposes only. You agree not to:

Use the Services for any fraudulent, misleading, or unlawful activity. Copy, reproduce, modify, or distribute content without written permission. Access or attempt to access any systems or data not intended for your use. Introduce any viruses, malware, or harmful code to the site.

We reserve the right to terminate access to the Services for any user who violates these terms.

3. Intellectual Property

All content on the Services—including text, graphics, logos, images, and software—is owned or licensed by Insurance Benefits Association and protected under copyright, trademark, and other applicable laws. Unauthorized use is strictly prohibited.

4. Third-Party Links and Services

Our Services may contain links to third-party websites or resources. These are provided for your convenience and do not imply any endorsement. We are not responsible for the content, terms, or privacy policies of third-party sites.

5. Disclaimer of Warranties

Our Services are provided "as is" and "as available" without warranties of any kind, whether express or implied. We do not warrant that the Services will be error-free, uninterrupted, or secure. Use of our Services is at your own risk.

6. Limitation of Liability

To the maximum extent permitted by law, Insurance Benefits Association shall not be liable for any direct, indirect, incidental, or consequential damages resulting from:

Use or inability to use our Services. Unauthorized access to or use of our servers or personal information. Any bugs, viruses, or harmful code transmitted through our Services

7. Indemnification

You agree to defend, indemnify, and hold harmless Insurance Benefits Association, its affiliates, and service providers from any claims, losses, liabilities, or expenses (including legal fees) arising out of your use of the Services or violation of these Terms.

8. Changes to the Terms

We may update these Terms of Use from time to time. When changes are made, we will revise the “Effective Date” above. Continued use of the Services after such changes constitutes your acceptance of the updated Terms.

9. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any disputes will be resolved in the courts located in Grant County, Indiana.

10. Contact Information. For questions or concerns about these Terms, please contact us: Insurance Benefits Association

5551 Vanguard St, Orlando, Florida, United States 32819

Email: [email protected]