Terms of Service

These Terms of Service (“Terms”) govern your access to and use of Vanguard Benefits Inc’s website, products, and services (collectively, the “Services”). By visiting or using our Services, you agree to be bound by these Terms. Please read them carefully.

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1. Acceptance of Terms

When you use our Services, you agree to these Terms. If you do not agree, please do not use our Services.

2. Description of Services

Vanguard Benefits Inc provides insurance-related information, quoting tools, enrollment assistance, and related customer support (together, the “Services”). We may update or change features at any time; any material changes will be communicated via our website or email.

3. Eligibility

You must be at least 18 years old and capable of forming a binding contract. If you are under 18, you must have a parent or guardian’s involvement to use our Services.

4. Account Registration & Security

1. Account Creation: Some parts of the Services require registration with accurate, up‑to‑date information.
2. Credentials: You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. Notify us immediately if you suspect unauthorized use.

5. Payment Terms (if applicable)

If you purchase paid features:

• Fees & Billing: Fees will be displayed at checkout. Payment is due as stated.
• Refunds & Cancellations: Subscriptions auto-renew monthly by default. You may cancel at any time; cancellation policies will comply with applicable law.

6. Permitted & Prohibited Uses

Permitted

• Accessing the Services for personal or business purposes.
• Communicating with us for support, feedback, or inquiry.

Prohibited

• Reverse-engineering, scraping, or otherwise interfering with our systems.
• Impersonating others or infringing on third-party rights.
• Sending spam, harassment, unlawful, or offensive content.
  We reserve the right to suspend or terminate accounts engaging in prohibited activities.

7. Intellectual Property

All content, trademarks, logos, and software are owned by Vanguard Benefits Inc or our licensors. You are granted a limited, non-exclusive license to access and use the content as intended and in compliance with these Terms. Unauthorized copying or redistribution is prohibited.

8. User Content

If you submit feedback, reviews, or other content:

• You grant us a worldwide, royalty-free license to use, reproduce, and display that content in connection with the Services.
• You represent that you own the rights to the content and that it does not infringe on third parties.

9. Third-Party Links & Services

Our Services may link to third-party websites or services. We do not control and are not responsible for their content, privacy practices, or terms. Your use of any linked services is at your own risk.

10. Privacy & Data Protection

Your privacy is important. We process your personal information as described in our Privacy Notice, incorporated here by reference. Review it at http://www.vanguardbenefit.com/privacy.

11. Disclaimers

The Services are provided “as is” and “as available”. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including fitness for a particular purpose.

12. Limitation of Liability

To the maximum extent permitted by law, Vanguard Benefits Inc and its affiliates will not be liable for any indirect, incidental, special, or consequential damages arising from your use or inability to use the Services.

13. Indemnification

You agree to defend, indemnify, and hold harmless Vanguard Benefits Inc and its representatives from any claims, liabilities, damages, losses, or expenses (including attorneys’ fees) arising from your violation of these Terms or your use of the Services.

14. Termination

We may suspend or terminate your access if you breach these Terms or if we discontinue the Services. Termination does not relieve you of accrued obligations, including payment of fees.

15. Governing Law & Dispute Resolution

These Terms and any disputes arising from them are governed by the laws of New Jersey, without regard to conflict-of-law rules. Disputes will be resolved exclusively in the state or federal courts located in Atlantic County, New Jersey.

16. Changes to These Terms

We may update these Terms periodically. When we do, we will revise the “Last updated” date and post the new Terms. Continued use after changes signifies your acceptance.

17. Contact Us

For questions or concerns, please email [email protected] or write to:

Vanguard Benefits Inc
1601 New Road, Suite 100
Northfield, NJ 08225
United States