Terms and Conditions

Benefit Strategy Partners LLC Effective Date: February 2026

Welcome to the website of Benefit Strategy Partners LLC ("BSP," "we," "our," or "us"). By accessing or using our website at benefitstrategypartners.com (the "Site"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, please do not use the Site.

1. Acceptance of Terms

By accessing, browsing, or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated herein by reference. These Terms constitute a legally binding agreement between you and BSP. We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

2. Description of Services

BSP is an independent employee benefits consulting and brokerage firm. Our Site provides general information about our services, which include employee benefits plan design and consulting, benefits enrollment and administration support, compliance and regulatory guidance, cost containment strategies, travel and international medical insurance, and Medicare advisory services. The information on this Site is intended for general informational purposes only and does not constitute professional advice. For advice specific to your organization's needs, please contact us directly.

3. Use of the Site

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit the use and enjoyment of the Site by any third party. You may not:

Use the Site in any way that violates any applicable federal, state, local, or international law or regulation
Attempt to gain unauthorized access to any part of the Site, its servers, or any systems or networks connected to the Site
Use any automated system, including bots, crawlers, or scrapers, to access the Site for any purpose without our express written permission
Introduce any viruses, trojan horses, worms, or other malicious or technologically harmful material
Interfere with the proper working of the Site or impose an unreasonable load on our infrastructure
Collect or harvest any personal information from the Site
Use the Site to transmit unsolicited advertising, promotional materials, or spam

4. Intellectual Property

All content, materials, and features available on the Site — including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software — are the property of BSP or its content suppliers and are protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site without our prior written consent, except that you may print or download one copy of a reasonable number of pages of the Site for your own personal, non-commercial use, provided you do not modify the content and you retain all copyright and other proprietary notices.

5. No Professional Advice

The information provided on this Site is for general informational purposes only. Nothing on this Site constitutes, or is intended to constitute, professional insurance, legal, tax, financial, or medical advice. You should not rely on any information on this Site as a substitute for professional advice tailored to your specific situation.

BSP makes no representations or warranties about the suitability of any insurance product, benefits plan, or coverage option referenced on this Site for any particular individual or organization. All benefits decisions should be made in consultation with qualified professionals.

6. Disclaimer of Warranties

THE SITE AND ALL CONTENT, MATERIALS, INFORMATION, AND SERVICES PROVIDED ON THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BSP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.

BSP does not warrant that the Site will be uninterrupted, secure, or free of errors, viruses, or other harmful components. BSP does not guarantee the accuracy, completeness, or reliability of any content on the Site.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BSP, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO, USE OF, OR INABILITY TO USE THE SITE OR ANY CONTENT OR SERVICES PROVIDED THROUGH THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF BSP HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

In no event shall BSP's total liability to you for all claims arising out of or related to the Site or these Terms exceed one hundred dollars ($100.00).

8. Indemnification

You agree to indemnify, defend, and hold harmless BSP, its officers, directors, employees, agents, affiliates, and service providers from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

9. Third-Party Links

This Site may contain links to third-party websites or services that are not owned or controlled by BSP. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. The inclusion of a link does not imply endorsement by BSP. You acknowledge and agree that BSP shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any content, goods, or services available on or through any third-party website.

10. User Communications

Any information, feedback, or materials you submit through the Site or via email are considered non-confidential and non-proprietary unless otherwise agreed in writing. BSP is free to use any ideas, concepts, know-how, or techniques contained in such communications for any purpose, including developing and marketing services. Please do not send sensitive personal information (such as Social Security numbers or health data) via the Site's general contact forms or unsecured email.

11. Privacy

Your use of the Site is also governed by our Privacy Policy, available at benefitstrategypartners.com. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or related to these Terms or your use of the Site shall be brought exclusively in the state or federal courts located in Essex County, Massachusetts, and you consent to the personal jurisdiction and venue of such courts.

13. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such finding shall not affect the validity of the remaining provisions, which shall continue in full force and effect.

14. Waiver

The failure of BSP to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by BSP.

15. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and BSP regarding your use of the Site, and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Site.

16. Contact Information

If you have any questions about these Terms & Conditions, please contact us:

Benefit Strategy Partners LLC 100 Cummings Center, Suite 441-P Beverly, MA 01915 (781) 832-5086