Terms of Use

Last updated: [DATE]

These Terms of Use ("Terms") govern your use of benefitsandsavings.com (the "Site"), operated by [LEGAL ENTITY NAME] ("we," "us," or "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

Informational purpose only. The Site is an independent, private resource that provides general information about benefits, discounts, and savings programs. We are not a government agency, are not affiliated with or endorsed by any government program, do not administer benefits, and do not determine eligibility.

No guarantee of benefits or savings

Information on the Site is general and provided for educational purposes only. We do not guarantee that you will qualify for, receive, or save any particular amount through any program. Program availability, amounts, and requirements vary by state, income, and individual circumstances and may change at any time. Always confirm details with the official program.

Not professional advice

Nothing on the Site is legal, financial, tax, insurance, or benefits advice. Consult a qualified professional or the relevant official program before making decisions.

Eligibility and acceptable use

You must be at least 18 years old to use the Site. You agree not to misuse the Site, interfere with its operation, attempt unauthorized access, or use it for any unlawful purpose.

Intellectual property

The Site and its content are owned by us or our licensors and are protected by applicable laws. You may not copy, reproduce, or distribute content without permission.

Third-party links and partners

The Site may reference or connect you with third-party websites, advertisers, or marketing partners. We do not control and are not responsible for their content, products, services, or practices. Your dealings with them are solely between you and the third party.

Disclaimer of warranties

The Site is provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

Limitation of liability

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss arising from your use of the Site or reliance on its content.

Indemnification

You agree to indemnify and hold harmless [LEGAL ENTITY NAME] and its affiliates from any claims or expenses arising out of your use of the Site or your violation of these Terms.

Governing law

These Terms are governed by the laws of the State of [GOVERNING-LAW STATE], without regard to its conflict-of-laws rules.

Changes to these Terms

We may update these Terms from time to time. Continued use of the Site after changes take effect constitutes acceptance of the revised Terms.

Contact us

[LEGAL ENTITY NAME]
[MAILING ADDRESS]
Email: [CONTACT EMAIL]