Terms of Service

Effective Date: September 26, 2026

Welcome to Benefit Bridge. These Terms of Service (“Terms”) govern your use of the Benefit Bridge website, including https://benefit-bridge.org, our online forms, scheduling services, Life Insurance Strategy Session, and related communications (collectively, the “Services”).

By accessing or using our Services, you agree to these Terms. If you do not agree with these Terms, please do not use the Services.

1. About Benefit Bridge

Benefit Bridge provides insurance-related education, guidance, and consultation services. Our Life Insurance Strategy Session is designed to help individuals understand potential life insurance needs, coverage options, and considerations based on their individual circumstances.

Information provided during a strategy session is for informational and educational purposes and should not be considered a guarantee that any particular insurance policy, coverage amount, premium, or application will be approved.

Any insurance policy is subject to the terms, conditions, underwriting requirements, exclusions, and approval of the applicable insurance carrier.

2. Life Insurance Strategy Session

The Life Insurance Strategy Session is a one-time service currently offered for a fee of $39, as described on the applicable booking or payment page.

The session may include discussion of:

Your financial goals and circumstances

Income and household needs

Existing insurance coverage

Potential coverage gaps

Types of life insurance

Potential coverage amounts

Budget considerations

Available insurance options

Completion of a strategy session does not require you to purchase an insurance policy.

If you choose to apply for insurance following the session, the application and approval process will be handled according to the requirements of the applicable insurance carrier.

3. No Guarantee of Insurance Coverage

Benefit Bridge does not guarantee:

That you will qualify for insurance;

That an insurance carrier will approve an application;

That you will receive a particular premium;

That a particular coverage amount will be available;

That a particular insurance product will remain available; or

That an insurance application will be approved within a particular period of time.

Insurance eligibility, pricing, underwriting, and approval are determined by the applicable insurance carrier.

4. User Information

When using our Services, you agree to provide information that is accurate, current, and complete.

You are responsible for ensuring that information you provide through our website, forms, scheduling systems, or communications is accurate to the best of your knowledge.

We may rely on information you provide when assisting you with your insurance-related questions or needs.

5. SMS/Text Messaging Terms

If you separately opt in to receive text messages from Benefit Bridge, you consent to receive text messages at the mobile telephone number you provide.

Depending on the type of communication for which you have provided consent, messages may include service-related communications, appointment or scheduling information, insurance-related updates, plan or policy information, follow-up communications, and other communications related to your relationship with Benefit Bridge.

Message frequency may vary. Message and data rates may apply.

You are not required to consent to receive SMS messages as a condition of purchasing services.

You may opt out of SMS communications at any time by replying STOP to a message from Benefit Bridge. After opting out, you may receive a confirmation message. You may also contact Benefit Bridge directly to request assistance with your messaging preferences.

For help, reply HELP to any Benefit Bridge text message.

Consent to receive text messages is not a condition of purchasing any goods or services.

6. Communication Consent

Providing your contact information does not necessarily constitute consent to receive every type of communication from Benefit Bridge.

Where required, Benefit Bridge will obtain separate consent for particular categories of communications, including applicable SMS communications.

You may withdraw consent to particular communications at any time, subject to applicable legal and regulatory requirements.

7. Third-Party Services

Our website and Services may use third-party service providers for functions such as:

Website hosting

Scheduling

Payment processing

Customer relationship management

Email and text messaging

Analytics

Insurance-related technology

Your use of certain third-party services may also be subject to those providers’ separate terms and privacy policies.

Benefit Bridge is not responsible for the policies, practices, availability, or performance of third-party services.

8. Payments and Refunds

Any applicable fees, including the $39 Life Insurance Strategy Session fee, will be disclosed before payment is submitted.

Unless otherwise stated at the time of purchase, fees for completed services are non-refundable.

If you believe you were incorrectly charged or need assistance with a payment, please contact Benefit Bridge using the contact information provided on our website.

9. Intellectual Property

The content appearing on the Benefit Bridge website, including text, graphics, logos, images, branding, and other materials, is owned by or licensed to Benefit Bridge unless otherwise indicated.

You may use the website for your personal, non-commercial purposes.

You may not reproduce, distribute, modify, sell, publish, or commercially exploit website content without prior written permission from Benefit Bridge.

10. Prohibited Use

You agree not to:

Use the website for unlawful purposes;

Submit false or misleading information;

Attempt to interfere with the operation or security of the website;

Access areas or systems that you are not authorized to access;

Use automated systems to improperly collect information from the website; or

Attempt to harm, disrupt, or compromise the website or its related systems.

11. Disclaimer

The information provided through the Benefit Bridge website and Services is intended to provide general insurance-related information and guidance.

Insurance decisions should be made based on your individual circumstances and the terms of the applicable insurance products.

Benefit Bridge does not provide legal, tax, accounting, investment, or medical advice through these Services.

You should consult an appropriately qualified professional regarding legal, tax, accounting, investment, or medical questions.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Benefit Bridge and its owners, employees, agents, contractors, and service providers will not be liable for indirect, incidental, consequential, special, or punitive damages arising from or related to your use of the website or Services.

To the extent permitted by law, Benefit Bridge's total liability arising from your use of the Services will not exceed the amount you paid to Benefit Bridge for the specific service giving rise to the claim.

Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.

13. Indemnification

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Benefit Bridge and its owners, employees, agents, contractors, and service providers from claims, liabilities, damages, losses, and expenses arising from your misuse of the Services, violation of these Terms, or violation of applicable law.

14. Privacy

Your use of the Services is also subject to our Privacy Policy, which explains how we collect, use, and protect information.

Please review the Benefit Bridge Privacy Policy before submitting personal information through our website.

15. Changes to These Terms

Benefit Bridge may update these Terms from time to time.

When changes are made, the updated Terms will be posted on this page with a revised Effective Date.

Your continued use of the Services after changes are posted constitutes acceptance of the updated Terms to the extent permitted by applicable law.

16. Governing Law

These Terms will be governed by and interpreted in accordance with the laws of the State of Florida, without regard to conflict-of-law principles, except where applicable law requires otherwise.

17. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

18. Contact Us

If you have questions about these Terms or the Benefit Bridge Services, please contact us through the contact information provided on the Benefit Bridge website.

Benefit Bridge
Website: https://benefit-bridge.org

Last Updated: September 26, 2026

Privacy Policy

Privacy Policy

Effective Date: September 26, 2026

Benefit Bridge (“Benefit Bridge,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide through our website and services.

This Privacy Policy explains how we collect, use, disclose, and protect information when you visit or use our website, including https://benefit-bridge.org, submit information through our online forms, schedule a service, purchase a Life Insurance Strategy Session, or communicate with us.

By using our website or Services, you acknowledge that you have read and understood this Privacy Policy.

1. Information We Collect

Depending on how you interact with Benefit Bridge, we may collect the following types of information:

Information You Provide Directly

When you submit a form, schedule an appointment, purchase a service, or contact us, we may collect:

Name

Email address

Telephone or mobile phone number

Mailing address

Date of birth, when relevant to an insurance service

Information about your insurance needs

Information you provide during an insurance consultation

Appointment and scheduling information

Payment and transaction information

Any other information you voluntarily provide to us

Please do not submit sensitive personal information through a website form unless specifically requested and necessary for the service being provided.

Information Collected Automatically

When you visit our website, certain information may be collected automatically, including:

IP address

Browser type

Device type

Operating system

Pages visited

Date and time of visits

Referring website or webpage

General website usage information

Other technical information made available by your browser or device

2. How We Use Your Information

We may use information we collect to:

Provide and administer our Services;

Schedule and manage appointments;

Provide Life Insurance Strategy Sessions;

Respond to questions and requests;

Communicate with you about services you have requested;

Send appointment reminders and service-related communications;

Send insurance-related follow-up communications;

Process payments;

Maintain records of our business relationships;

Improve our website and Services;

Understand website usage and performance;

Detect, prevent, and address fraud, security issues, or misuse;

Comply with applicable laws and regulations; and

Carry out other purposes disclosed to you at the time information is collected.

3. Text Messaging and SMS Communications

If you provide your mobile telephone number and separately opt in to receive SMS communications, Benefit Bridge may use your number to send text messages related to the communications for which you provided consent.

These messages may include appointment information, reminders, follow-up communications, insurance-related information, and other service-related communications.

Message frequency may vary. Message and data rates may apply.

You may opt out of SMS messages at any time by replying STOP to a message from Benefit Bridge.

For assistance, reply HELP to a Benefit Bridge text message.

You may also contact Benefit Bridge directly to request assistance with your messaging preferences.

Consent to receive text messages is not a condition of purchasing goods or services.

We do not sell your mobile telephone number to third parties for their own independent marketing purposes.

4. How We Share Information

We may share personal information when reasonably necessary to operate our business and provide requested Services.

This may include sharing information with:

Service Providers

We may use third-party companies and service providers that help us operate our business, such as providers of:

Website hosting

Appointment scheduling

Customer relationship management

Email communications

SMS/text messaging

Payment processing

Analytics

Information technology

Data storage

These providers may access personal information only as reasonably necessary to perform services on our behalf and subject to applicable contractual or legal requirements.

Insurance Companies and Related Parties

If you request assistance with an insurance product or application, we may share information with an insurance carrier, general agency, brokerage, enrollment platform, or other party involved in providing or processing the requested insurance service.

We will only share information reasonably necessary for the applicable service or transaction, subject to applicable law.

Legal and Regulatory Requirements

We may disclose information when we believe disclosure is reasonably necessary to:

Comply with applicable law, regulation, subpoena, court order, or legal process;

Protect the rights, property, or safety of Benefit Bridge, our customers, or others;

Detect or investigate fraud or security issues; or

Enforce our agreements and policies.

Business Transfers

If Benefit Bridge is involved in a merger, acquisition, financing, sale of assets, restructuring, or similar business transaction, personal information may be transferred as part of that transaction, subject to applicable law.

5. We Do Not Sell Personal Information

Benefit Bridge does not sell your personal information for monetary consideration.

We also do not sell your mobile telephone number to third parties for their own marketing purposes.

6. Cookies and Tracking Technologies

Our website and third-party service providers may use cookies, pixels, tags, analytics tools, or similar technologies to:

Operate the website;

Remember certain preferences;

Understand how visitors use the website;

Measure website performance;

Improve our Services; and

Understand the effectiveness of our advertising or marketing efforts.

You may be able to control cookies through your browser settings.

Disabling certain cookies may affect the functionality of portions of the website.

7. Third-Party Websites and Services

Our website may contain links to or integrate with third-party websites, applications, platforms, or services.

Examples may include scheduling platforms, payment processors, insurance platforms, social-media platforms, analytics services, or other technology providers.

Benefit Bridge does not control the privacy practices of third parties.

Your use of a third-party service may be subject to that third party's own privacy policy and terms of service.

We encourage you to review the privacy policies of third-party services before providing information to them.

8. Payment Information

If you purchase a service from Benefit Bridge, payment information may be collected and processed by a third-party payment processor.

Benefit Bridge may receive information about your transaction, such as the amount paid, transaction date, and payment status.

We generally do not need to store your complete payment-card number ourselves.

Payment information may be subject to the privacy policy and security practices of the applicable payment processor.

9. Data Security

We use reasonable administrative, technical, and organizational measures designed to protect personal information against unauthorized access, disclosure, alteration, or destruction.

However, no website, electronic transmission, or method of storing information can be guaranteed to be completely secure.

Accordingly, we cannot guarantee absolute security of your information.

10. Data Retention

We retain personal information for as long as reasonably necessary to:

Provide our Services;

Maintain business and transaction records;

Comply with legal, regulatory, accounting, or reporting obligations;

Resolve disputes;

Enforce agreements; and

Protect our legal rights.

The length of time information is retained may vary depending on the type of information and the purpose for which it was collected.

11. Your Privacy Choices

Depending on applicable law, you may have certain rights regarding your personal information.

These may include the ability to:

Request access to certain personal information we maintain about you;

Request correction of inaccurate information;

Request deletion of certain information;

Withdraw consent for certain communications;

Opt out of SMS communications;

Request information about how your personal information is used or disclosed.

Some information may need to be retained because of legal, regulatory, contractual, or legitimate business requirements.

To make a privacy-related request, please contact Benefit Bridge using the contact information provided below.

12. Marketing Communications

If you voluntarily provide your contact information and consent to receive marketing communications, Benefit Bridge may contact you through the communication method for which you provided consent.

You may unsubscribe from marketing emails by using the unsubscribe mechanism contained in the applicable email.

You may opt out of SMS communications by replying STOP.

Opting out of marketing communications does not necessarily prevent us from sending important service-related communications, transactional communications, or other communications that are necessary to provide a service you have requested.

13. Children's Privacy

Our website and Services are not directed toward children under the age of 13.

We do not knowingly collect personal information from children under 13 through our website.

If you believe that a child under 13 has provided personal information to us, please contact us so that we can take appropriate action.

14. Do Not Track Signals

Some web browsers offer a “Do Not Track” feature.

Because there is currently no universally accepted standard for responding to Do Not Track signals, our website may not respond to such signals unless required by applicable law.

15. Florida Residents

Benefit Bridge is based in or operates in Florida and may be subject to Florida privacy and consumer-protection laws.

Nothing in this Privacy Policy is intended to limit any privacy rights you may have under applicable Florida law or other applicable law.

Where applicable law provides additional rights or protections, Benefit Bridge will comply with those requirements.

16. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes to our Services, technology, legal requirements, or business practices.

When we update this Privacy Policy, we will post the revised version on this page and update the Effective Date.

Your continued use of our website after an updated Privacy Policy becomes effective constitutes acknowledgment of the updated policy to the extent permitted by law.

17. Contact Us

If you have questions about this Privacy Policy, want to exercise an applicable privacy right, or have concerns about how your information is handled, please contact Benefit Bridge through the contact information provided on our website.

Benefit Bridge

Website: https://benefit-bridge.org

Last Updated: September 26, 2026