Last Updated: March 29, 2024
Welcome to FlexBenefit.co, operated by FlexBenefit.co LLC. These Terms and Conditions (“Terms”) govern your access to and use of the website www.flexbenefit.co (“the Website”) and the services provided by FlexBenefit.co LLC (“the Company”). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use the Website.
You must be at least 18 years old to use the Website. By using the Website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.
Some features of the Website may require you to create an account. When you create an account, you agree to provide accurate and complete information and to keep your account information up to date. You are responsible for maintaining the confidentiality of your account credentials and for any activities that occur under your account.
The Website and its contents, including but not limited to text, graphics, logos, images, and software, are owned by FlexBenefit.co LLC or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not modify, reproduce, distribute, or create derivative works based on the Website or its contents without the prior written consent of FlexBenefit.co LLC.
You agree not to engage in any of the following prohibited activities:
THE WEBSITE AND ITS CONTENTS ARE PROVIDED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND. FLEXBENEFIT.CO LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THE COMPANY DOES NOT WARRANT THAT THE WEBSITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR SECURE.
IN NO EVENT SHALL FLEXBENEFIT.CO LLC BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE WEBSITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE TOTAL LIABILITY OF FLEXBENEFIT.CO LLC FOR ANY CLAIM ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE WEBSITE SHALL NOT EXCEED THE AMOUNT PAID BY YOU, IF ANY, TO FLEXBENEFIT.CO LLC DURING THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM.
You agree to indemnify and hold harmless FlexBenefit.co LLC, its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys’ fees, arising out of or in connection with your use of the Website or any violation of these Terms.
These Terms shall be governed by and construed in accordance with the laws of Minnesota, without regard to its conflict of laws principles. Any dispute arising out of or in connection with these Terms or the Website shall be resolved exclusively in the courts of Minnesota.
FlexBenefit.co LLC reserves the right to update or modify these Terms at any time without prior notice. We will post the revised Terms on this page with a new “Last Updated” date. Your continued use of the Website following the posting of changes constitutes your acceptance of such changes.
If you have any questions, concerns, or requests regarding these Terms or our services, please contact us at contact@flexbenefit.co.
Thank you for reading and agreeing to these Terms and Conditions.
Why FlexBenefits?
By Brian Dow, President When asked why we created FlexBenefits, the answer is clear: to address the growing burden of out-of-pocket expenses faced by many individuals in various health plans. This issue is not limited to the individual ACA market but extends to the Medicare Advantage market and the small group markets. Deductibles continue to […]
15 Aug, 2024
FlexBenefits on BenefitsPRO: Protect Workers From Medical Debt
In a new article for BenefitsPRO, FlexBenefits founder Jeff Smedsrud draws attention to the crushing out-of-pocket costs faced by many people and discusses the need to protect people from medical debt. Smedsrud, a longtime benefits player, makes the case for supplemental insurance as a needed solution to help consumers safeguard their health and family finances. […]
25 Jul, 2024
The Financial Burden of a Critical Illness Diagnosis
Critical illnesses like cancer, heart attack or stroke are a huge burden not just emotionally and physically but also financially. The cost of initial care, prescription drugs, and follow-up treatment can run in the hundreds of thousands of dollars. No matter your health insurance coverage, this burdens patients and caregivers. What’s in this article How […]
24 Apr, 2024