Terms of Service

Effective Date: September 22, 2024

Welcome to Benefit Spotter, a website operated to assist seniors with burial insurance information and services. By using our website (https://www.benefitspotter.com) and the services offered, you agree to comply with and be bound by the following Terms of Service ("Terms"). Please read these Terms carefully.

If you do not agree to these Terms, you may not access or use our website or services.

1. Acceptance of Terms

By accessing or using Benefit Spotter, you agree to these Terms and our Privacy Policy. These Terms apply to all visitors, users, and others who access the website.

2. Services Provided

Benefit Spotter provides resources, information, and access to burial insurance plans to assist seniors in planning for their future needs. We do not directly sell insurance products. All services are informational in nature.

3. Eligibility

You must be at least 18 years of age to use this website. By agreeing to these Terms, you represent and warrant that you are legally capable of entering into a binding agreement.

4. Modifications to Terms

Benefit Spotter reserves the right to update or modify these Terms at any time without prior notice. Any changes will be effective immediately upon posting. Your continued use of the site after changes are posted constitutes acceptance of the modified Terms.

5. User Responsibilities

You agree to use the website only for lawful purposes and in accordance with these Terms.

You agree not to:

Use our website for fraudulent or misleading purposes.

Interfere with the operation or security of the website.

Attempt to gain unauthorized access to the website or its systems.

You are responsible for any activity that occurs under your access to the website.

6. Content and Intellectual Property

All content on Benefit Spotter, including but not limited to text, graphics, logos, and images, is the property of Benefit Spotter or its licensors and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or use any content from the site without express written permission.

7. Third-Party Services and Links

Benefit Spotter may contain links to third-party websites, services, or insurance providers. These links are provided for your convenience. Benefit Spotter does not endorse or control third-party content and is not responsible for any issues that arise when accessing third-party sites.

8. Disclaimer of Warranties

Benefit Spotter provides the website “AS IS” and “AS AVAILABLE” without warranties of any kind, express or implied. While we strive for accuracy, we make no representations or warranties regarding:

The accuracy, reliability, or completeness of information on the website.

Continuous or error-free access to the site.

Suitability of services for your needs.

You use the website at your own risk.

9. Limitation of Liability

To the fullest extent permitted under Florida law, Benefit Spotter and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of the website or services.

In no event shall our total liability exceed $100.00 USD.

10. Indemnification

You agree to indemnify and hold harmless Benefit Spotter, its affiliates, and employees from any claims, damages, or losses arising from:

Your use of the website or services;

Your violation of these Terms;

Your infringement of third-party rights.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of laws principles. You agree that any legal action or proceeding shall be brought exclusively in the state or federal courts located in Florida.

12. Termination

Benefit Spotter reserves the right to suspend or terminate your access to the website at any time without notice for violations of these Terms or other reasons we deem appropriate.

13. Contact Information

For any questions or concerns regarding these Terms of Service, you may contact us at:

Benefit SpotterEmail: support@benefitspotter.com

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