Terms and Conditions

American Online Benefits Group believes it is important for you to know and understand how our website collects and uses your information, and the steps we take to protect your privacy. Please read this privacy policy carefully.

This website collects two (2) kinds of information: personally-identifiable information and non-personally-identifiable information.

Personally-identifiable information:

By using our website, you are authorizing the sharing of your inquiry and your personally-identifiable information with other businesses that provide services that match your inquiry or may provide other valuable services to you. The personally-identifiable information we collect may include, but is not limited to:

• Name

• Address

• Email address

• Phone number

• Demographic information

• Health information

• Other financial information that you may provide

Non-personally-identifiable information

While visiting this Website, Our hosting service will automatically track information that may include but is not limited to:

• IP addresses

• Referral information

• Browser details

• Number of page views

• Number of repeat visits

• Internet Service Provider

• Region or geographic location

When you provide your information, you consent to be contacted via automatic telephone dialing system, by artificial/pre-recorded message, by text message at the telephone number you provide, and/or by receiving mail and email at the mailing and email addresses you provide from or on behalf of American Online Benefits Group, insurance carriers or their agents, and partner companies. Your cellular carrier’s message and data rates may apply. American Online Benefits Group does not charge you for sending or receiving text messages. Please note that insurance institutions and other services who subscribe to our system may provide insurance products and other services. By submitting your information to us, you are also authorizing these businesses to contact you directly by mail, email, telephone, or text message with information about insurance products or other services they offer. If you prefer to utilize Our Services without providing information through this Site please call 1-888-875-1220. *You expressly consent to receive phone calls and email regardless of whether you are on any Federal or state DNC (“Do Not Call”) and/or DNE (“Do Not Email”) list or registry. If you provide your information and we contact you, or you contact us, we may keep a record, including but not limited to telephone recordings, email logs, and chat logs, of your interaction with us.*

You may also provide personal information about other people in your household, such as their name, date of birth, and gender. This information is only used for the sole purpose of completing your request.

Opting Out

You may revoke your consent for us to contact you at any time. If you no longer wish to receive communications from us or our affiliated marketing partners, you may opt-out of receiving them by following the instructions included in each newsletter or communication, or by emailing us at Members@aobgrp.com

If your personal information changes and you wish to correct, update, amend, or remove your personal information, please contact us. We may retain portions or all of your information as needed to provide you services, comply with our legal obligations, resolve disputes, and enforce our agreements.

Tracking Technologies

Technologies such as: cookies, beacons, tags, and scripts are used by americanonlinebenefits.com and our partners, affiliates, or analytics and service providers. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site, and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data.

We may combine this automatically-collected log information with other information we collect about you. We do this to improve and market goods and services we offer you, analytics, or site functionality.

How we protect and secure your information

The security of your personal information is important to us. When you enter sensitive information (such as a health and financial information) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL).

California residents privacy rights

Companies that collect personally-identifiable information from California residents and disclose such information to Third Parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties.

We have elected the second option, and you may request that your personally-identifiable information not be shared with third parties by sending your request, including your full name, email address, and postal address to:

American Online Benefits Group

16775 Addison Rd, Suite 600

Addison, TX 75001

In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.

CAN-SPAM Compliance

American Online Benefits Group is committed to be compliant with all Federal regulations, including the Federal CAN-SPAM Act of 2003.

We will only send email to those of our visitors who have “opted in” to receive these communications. Individuals “opt in” to our email communications by voluntarily providing us with their email address and submitting a form that acknowledges their agreement with our Terms of Use and Privacy Policy.

You may “opt-out” of any communication from at any time. Use the “unsubscribe” link at the bottom of any email you receive, and we will remove you from our mailing list. In addition, you may contact us at the address above and request to be removed from our mailing list. Occasionally, we may partner with a third party who may provide additional relevant email advertisements to our consumer’s requests.

You may be eligible for the Advanced Premium Tax Credit or cost-sharing reduction subsidies offered by the federal government, as part of this process, we will disclose any information to the federal government, including financial, tax and household information required to determine eligibility.

Unsubscribing from communications does not guarantee you will no longer receive communications from our third party partners; you must contact that third party directly. Be advised that we cannot control the policies of our third party partners, nor can we guarantee or represent their compliance with the CAN-SPAM Act or any other state or Federal law.

Links to other websites

This website may feature links to other websites owned and operated by third parties. Be advised that American Online Benefits Group is not responsible for the content or services of these third party sites. Privacy Policies and Terms of Use, if any, of these third party sites may differ from this Privacy Policy and Terms of Use. We encourage you to read the Privacy Policies and Terms of Use of any website you visit.

Information from minors

We do not knowingly solicit or collect information from anyone under the age of 13.

Complaints

To file a complaint with American Online Benefits Group, please call 1-888-875-1220.

To file a complaint with the Centers for Medicare and Medicaid please visit https://www.cms.gov/Regulations-and-Guidance/Administrative-Simplification/Enforcements/FileaComplaint.html

Changes to this policy

American Online Benefits Group reserves the right to modify this privacy policy at any time, so please review it frequently. An updated copy of this Privacy Policy will be clearly posted and accessible on this website at all times.

Acceptance of Terms

IMPORTANT! PLEASE READ CAREFULLY. THIS IS A CONTRACT. BY USING THIS WEB SITE AND THE SERVICES OFFERED ON THIS WEBSITE, YOU ACCEPT ALL TERMS AND CONDITIONS OF THIS AGREEMENT. YOUR ACCESS AND USE OF THE WEB SITE CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW. If you disagree with any of the terms that follow, or do not agree to be bound by all such terms, do not use this website or any of its related services.

About This Site

This Website (hereinafter “the Site” or “this Site”) is an online service provider, specializing in providing insurance quotes and connecting insurance shoppers with professionals who can assist them.

We do not endorse any particular insurance plan, provider, or agent. Any information provided about any particular insurance plan, provider, or agent shall not be construed as an endorsement by us.

Personal and Noncommercial Use Limitation

In order to use the Services, you must be at least 18 years of age. In consideration of your use of the Services, you agree to provide true, accurate and current information about yourself as prompted by the required registration forms. This Site is for your personal, noncommercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or service found on or obtained from the Site; provided that you may download, reproduce, and retransmit information solely for non-commercial purposes within your organization. With the exception of the foregoing limited authorization, no license or right in any copyright or any other party is granted or conferred to you.

The Site is provided on an “as is” basis without warranties of any kind, either express or implied, including but not limited to warranties of title or implied warranties of merchantability, fitness for a particular purpose, or non-infringement, other than those warranties which are imposed by and incapable of exclusion, restriction or modification under the laws applicable to this agreement. YOUR USE OF THIS SITE IS AT YOUR OWN RISK. IN NO EVENT SHALL WE OR ITS AGENTS, REPRESENTATIVES OR LICENSORS be liable for any LOSS OR INJURY OR ANY damages, either direct, indirect, punitive, special, incidental, consequential or otherwise, resulting from, or in any way connected to, the use of this Site OR ANY INFORMATION, in each case regardless of whether such damages are based on contract, tort, strict liability, or those other theories of liability. Some jurisdictions do not allow the exclusion of implied warranties or consequential or incidental damages, so portions of the above-referenced exclusions may not directly apply to you. YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST US, OUR AGENTS, REPRESENTATIVES AND LICENSORS ARISING OUT OF YOUR USE OF THE SITE OR ANY OTHER INFORMATION CONTAINED HEREIN.

Copyright

The Site may contain technical inaccuracies or typographical errors or omissions. We reserve the right to make changes, corrections and/or improvements to the Site, and to the products and programs described in such information, at any time without notice.

Services

The purpose of the Site is to provide consumers with ability to receive comparative insurance quotations from a network of insurance agents, brokers and other licensed insurance providers (hereinafter “Providers”), based on the information you provide. These Providers may have one or numerous companies with from which they will provide quotes. Once you have provided us with the information needed, we will refer that information to these Providers, who may then contact you directly. These Providers may ask for additional information to obtain an accurate quote.

We do not guarantee that any of the Providers to whom we may forward your information will contact you or agree to provide you coverage. We are not responsible in any way, for the conduct of the Providers to whom we forward your insurance quotation requests. If you need personal advice, explanation of coverage, assessment of needs or specific policy recommendations, consult with a licensed insurance agent, broker, or other qualified professional. We reserve all the rights to our Site contents and may at our discretion change the contents of the Site, or restrict access to certain sections of the Site, or to discontinue any aspect of the Site, including, but not limited to content, features, hours of availability, without notice or penalty.

Your Use of The Service

You must be at least 18 years of age to use the Service. You warrant and agree that, while using the Service, you will not do any of the following:

• impersonate any other person or entity

• submit any information pertaining to a third party without that party’s understanding and express consent

• submit false or misleading information

• exploit this Service for any commercial reason

• engage in any activity prohibited under the CAN-SPAM Act

• engage in any criminal or otherwise unlawful behavior

• commit any action which could give rise to civil liability

• restrict others from making use of this Service

• upload or attempt to upload any computer virus, malicious computer code, file program, or any other digital property

• commit any action that interferes with, blocks, or otherwise harms the Service

Governing Law

Disputes arising out of or related to the Site shall be governed by and in accordance with, the laws of the State of Texas.

Disclaimer

The Service is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we make no representations of warranties of any kind, express or implied, regarding the use of the Service. We disclaim all warranties regarding the accuracy or reliability of the information provided, including the implied warranties of merchantability and fitness for a particular purpose, and non-infringement. WE DO NOT WARRANT THAT THE SERVICE WILL BE SECURE, UNINTERRUPTED, OR ERROR-FREE, WE MAKE WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS. NO ADVICE, RESULTS, OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

WE MAKE NO WARRANTIES REGARDING THE AFFILIATION OF ANY PROVIDER WHO MAY CONTACT YOU. WE EXPRESSLY DISCLAIM ALL RESPONSIBILITY FOR THE ACTIONS OF ANY PROVIDER WHO MAY CONTACT YOU THROUGH THE SERVICE. IF YOU ARE DISSATISFIED WITH THE SERVICE, YOUR SOLE REMEDY IS TO DISCONTINUE ITS USE. WE ATTEMPT TO PROVIDE ACCURATE INFORMATION REGARDING INSURANCE PRODUCTS AND SERVICES; HOWEVER, WE CAN MAKE NO REPRESENTATION OR WARRANTY AS TO THE ACCURACY OR RELIABILITY OF THIS INFORMATION. AVAILABILITY OF PRODUCTS OR SERVICES MAY VARY BY STATE AND MAY NOT BE AVAILABLE TO YOU. WE MAKE NO REPRESENTATION, EITHER EXPRESS OR IMPLIED, OF ANY SPONSORSHIP BY ANY COMPANY MENTIONED ON THIS SITE, OR OF ANY OTHER RELATIONSHIP WITH ANY SUCH COMPANY. WE MAKE NO GUARANTEE, EXPRESSED OR IMPLIED, THAT A USER WILL BE ABLE TO OBTAIN A QUOTE FROM ANY PARTICULAR COMPANY OR PROVIDER MENTIONED ON THIS SITE.

Limitation of Liability

WE SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, AND IN PARTICULAR, WE SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR ANY DAMAGES FOR LOST PROFITS, LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR RELATED TO THE SERVICE OR THE INFORMATION CONTAINED IN IT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnification

You agree to indemnify and hold harmless the Service (and its parents, directors, officers, employees, subsidiaries, agents, and affiliates) from any and all claims, liabilities, costs, and expenses, including reasonable attorneys’ fees and costs, due to or arising in any way from the use or misuse by you of the Service, your violation of these Terms and Conditions, your violation of any law, or infringement by you of any right of any person or entity.

Third party logos, brands, and service marks are the property of their respective owners.

Other

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the other provisions shall remain in full force and effect. Further, you agree that for any provision that may be found to be invalid and unenforceable, you shall ask the court to endeavor to give effect to the intent of the provision. These Terms and Conditions constitute the full understanding between you and us. You agree that any claim arising from or related to the Service must be filed within twelve (12) months of your use of the Service, regardless of any statute or law to the contrary.

Changes and Updates

We reserve the right to make changes and updates to these Terms and Conditions at any time, at our sole discretion. An updated copy of these Terms and Conditions will be kept clearly posted and accessible on this Site at all times.

Contacting Us

If you have any questions about American Online Benefits Group, this website, our service, this Privacy Policy, Disclaimer or Terms and Conditions, you may contact us at:

American Online Benefits Group

16775 Addison Rd, Suite #600,

Addison, TX 75001

Revocation

You may revoke Your consent for Us to contact You at any time. If You no longer wish to receive communications from American Online Benefits Group, You may revoke consent by following the instructions included in each newsletter or communication You receive, or by emailing Us at Members@aobgrp.com or calling Us at 888-918-2386, or by sending a certified letter to:

American Online Benefits Group

16775 Addison Rd, Suite  #600,

Addison, TX 75001

If your personally-identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate it by emailing our Customer Support at members@aobgrp.com or by contacting us by telephone or postal mail at the contact information listed above. We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.