LAST UPDATED: March 28, 2026

1. AGREEMENT TO TERMS

These Terms and Conditions constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you") and Employee Benefits Planner Group ("Company", "we", "us", or "our"), concerning your access to and use of the https://employeebenefitsplanner.com/ website. By accessing the site, you agree that you have read, understood, and agreed to be bound by all of these Terms and Conditions.

2. SERVICES AND INFORMATION PROVIDED

Our website provides information regarding various insurance products, including health, life, disability, supplemental, cancer, Medicare, and Medicaid insurance, as well as payroll, HR services, MEC Plans, Section 125 Plans, Workshield, and WIMPER 125 setups. The information provided on this site is for general informational and educational purposes only.

3. INSURANCE AND FINANCIAL DISCLAIMERS

Employee Benefits Planner Group is an insurance consulting and employee benefits planning service. We are not an insurance underwriting company. All insurance products, coverages, and premiums described on the site are subject to the underwriting approval of the respective insurance carriers. Nothing on this website constitutes a binding offer of insurance, a guarantee of coverage, or professional financial, legal, or medical advice.

4. MEDICARE AND MEDICAID DISCLAIMER

We provide guidance and assistance with Medicare and Medicaid options. However, we are not affiliated with or endorsed by the U.S. government or the federal Medicare program. Eligibility for Medicaid and specific Medicare plans depends on various factors determined by government agencies.

5. USER REPRESENTATIONS

By using the site, you represent and warrant that: (1) all registration or contact information you submit will be true, accurate, current, and complete; (2) you have the legal capacity and you agree to comply with these Terms and Conditions; (3) you are not a minor in the jurisdiction in which you reside; and (4) you will not access the site through automated or non-human means.

6. INTELLECTUAL PROPERTY RIGHTS

Unless otherwise indicated, the site is our proprietary property. All source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the site (collectively, the "Content") and the trademarks, service marks, and logos contained therein (the "Marks") are owned or controlled by us or licensed to us.

7. LIMITATION OF LIABILITY

In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the site or our services.

8. GOVERNING LAW

These Terms shall be governed by and defined following the laws of the State of New York. Employee Benefits Planner Group and yourself irrevocably consent that the state and federal courts located in New York shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these terms.

9. CONTACT US

In order to resolve a complaint regarding the site or to receive further information regarding use of the site, please contact us at:

Employee Benefits Planner Group
Phone: 516.360.0550 or 516.570.3939
Email: info@ebphr.com