Terms of Service

Last Updated: January 1, 2025

These Terms of Service govern your use of the US Benefits Trust website located at usbenefittrust.com. By accessing our website, you agree to these terms.

1. Acceptance of Terms

By using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.

2. Description of Service

US Benefits Trust provides educational information about benefits and insurance programs. We are not an insurance company, government agency, or licensed insurance broker. Our services include:

3. No Insurance Sales or Professional Advice

We do not sell insurance products or provide professional financial, legal, or medical advice. All information on our website is for educational purposes only. You should:

4. Accuracy of Information

While we strive to provide accurate and up-to-date information, we cannot guarantee that all information is current, complete, or error-free. Benefits programs and insurance products change frequently. You should verify all information with official sources before making decisions.

5. User Responsibilities

You agree to:

6. Prohibited Uses

You may not use our website to:

7. Intellectual Property

All content on this website is owned by US Benefits Trust or our licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without permission.

8. Third-Party Links and Services

Our website may contain links to third-party websites and services. We are not responsible for the content, privacy policies, or practices of these external sites.

9. Disclaimer of Warranties

The website and all information are provided "as is" without warranties of any kind. We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

To the maximum extent permitted by law, US Benefits Trust shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the website.

11. Indemnification

You agree to indemnify and hold harmless US Benefits Trust from any claims, damages, or expenses arising from your use of the website or violation of these terms.

12. Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.

13. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting. Your continued use of the website constitutes acceptance of modified terms.

14. Termination

We may terminate or suspend your access to the website at any time, without prior notice, for conduct that violates these terms or is harmful to other users or us.

15. Governing Law

These Terms of Service are governed by the laws of the District of Columbia, without regard to conflict of law principles.

16. Dispute Resolution

Any disputes arising from these terms or your use of the website shall be resolved through binding arbitration in Washington, DC.

17. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

18. Contact Information

If you have questions about these Terms of Service, please contact us at:

By using our website, you acknowledge that you have read and understood these Terms of Service and agree to be bound by them.