Terms of Use

1. Introduction

These Terms of Use (“TOU”) govern your access to and use of Compare Your Benefit website https://compareyourbenefit.com (the “Website”) and platform and related services (the “Services”). Compare Your Benefit is operated by The Healthcare Portfolio LLC, an Ohio limited liability company (“Company,” “we,” “us”).

Please read these TOU carefully before accessing the Website, using the Services, or creating an account. By accessing the Website, using any Services, and/or creating an account with us, you enter into a binding contract with Company and agree that you have read, understood, and agree to be bound by these TOU. These TOU are supplemented by our Privacy Policy, which is incorporated by reference herein, and which can be found at https://compareyourbenefit.com/privacy-policy. IF YOU DO NOT AGREE WITH ALL OF THE TERMS HEREIN, THEN YOU ARE EXPRESSLY PROHIBITED FROM ACCESSING THE WEBSITE, USING THE SERVICES, OR CREATING AN ACCOUNT AND YOU MUST DISCONTINUE USE IMMEDIATELY.

The Website and Services are intended for users who are at least 18 years of age. Minors are not authorized to use and access the Website and Services or create an account. If we discover that any account was created by a minor, such account will be immediately terminated.

2. Changes and Updates

Company may modify these TOU at any time and for any reason. By continuing to use the Website and the Services, you agree to and will be subject to any such modified or updated TOU. If you do not so agree, you must immediately discontinue your use of the Website and Services. Please check these TOU regularly for updates. You can access these TOU at https://compareyourbenefit.com/terms-of-use. These TOU were last updated on October 16, 2026.

3. User Representations.

By using the Website and Services, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) you have the legal capacity and you agree to comply with these TOU; (4) you are not under the age of 18; (5) you will not access the Website and Services through automated or non-human means, whether through a bot, script or otherwise; (6) you will not use the Website and Services for any illegal or unauthorized purpose; and (7) your use of the Website and Services will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Website and Services (or any portion thereof).

4. User Registration and Accounts

You may be required to register an account to use the Website and Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

5. Fees and Payment; Refund Policy.

You may be required to purchase or pay a fee to access some of the Services. For such paid services, access will be provided for six calendar months from the date of payment. This access will not automatically renew, and a separate purchase is required to continue access after the expiration of the current term.

You agree to promptly update account and contact information so that we can complete your transactions and contact you as needed. Sales tax may be added to the price of purchases as required by law. We may change prices at any time. All payments shall be in U.S. dollars. You agree to pay all charges or fees at the prices then in effect for your purchases.

We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment. We also reserve the right to refuse any order placed through the Website or Services.

Refund Policy: You may request a refund within 48 hours of your purchase for any reason by submitting a request through our customer-support platform. If the request is valid and submitted timely, your entire purchase price will be refunded. For requests submitted outside the 48-hour refund window, refunds will only be provided upon our sole discretion and under appropriate circumstances, including but not limited to duplicate charges, payment/access failures, or material technical failures that prevent use of the purchased services. Upon approval of your refund request, we will terminate your access to any paid service associated with the purchase for which you were refunded. Nothing in this policy limits any refund or other right you are entitled to under applicable law.

6. User-submitted information; License.

By posting or inputting any information or content to any part of the Website or Services, you automatically grant, and you represent and warrant that you have the right to grant, to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and use, copy, reproduce, analyze, archive, store, cache, reformat, translate, and process such information or content for purposes of providing the Services.

We do not assert any ownership over information and content you have provided. You retain full ownership of all of your information and content and any intellectual property rights or other proprietary rights associated with your information and content. We are not liable for any statements or representations in your information and content provided by you to us. You are solely responsible for your information and content and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your information and content.

7. Disclaimers

Educational resource only. This website is a purely educational resource and does not sell, solicit, or negotiate insurance. We are not a licensed insurance agency, broker, or producer, and we do not represent or endorse any specific insurance company, plan, or provider. No transactions, applications, or enrollments can be executed on this platform.

Not professional advice. All plan data, cost estimates, definitions, and comparison frameworks provided by this tool are for general informational and educational purposes only. They do not constitute financial, legal, tax, or professional insurance advice. Insurance policy availability, premiums, and coverage criteria vary heavily by state, individual eligibility, and underwriting requirements.

Non-Affiliation. This tool is independently operated and is not affiliated with, endorsed by, or connected to any state health insurance exchange, the federal health insurance marketplace (HealthCare.gov), or any state or federal government agency.

Not independently verified. Plan details can change frequently. Users must verify all premiums, deductibles, doctor networks, and benefit rules directly with their official plan documents, their employer or plan administrator or benefits administrator, Summary Plan Description, Summary of Benefits and Coverage, their insurance carrier or an official government health exchange, as applicable, prior to making any purchasing decisions. The ultimate terms of any insurance policy are dictated solely by the applicable official plan documents and governing plan terms.

8. Warranty Disclaimer; As-Is

THE WEBSITE AND SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE WEBSITE AND SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE WEBSITE AND SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE WEBSITE OR THE SERVICES OR THE CONTENT OF ANY WEBSITES LINKED TO THE WEBSITE OR THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE WEBSITE OR SERVICES, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE WEBSITE AND SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE WEBSITE AND SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE WEBSITE AND SERVICES.

WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE WEBSITE OR THE SERVICES, INCLUDING ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

9. Third Party Websites and Content.

The Website and/or Services may contain (or you may be sent via the Website and/or Services) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Website and/or Services or any Third-Party Content posted on, available through, or installed from the Website and/or Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Website and/or Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these TOU do not govern those interactions. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Website and/or Services or relating to any applications you use or install from the Website and/or Services. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us harmless from any harm caused by your purchase of such products or services. Additionally, you shall hold us harmless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.

10. Modifications and Interruptions

We reserve the right to change, modify, or remove the contents of the Website and/or Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Website and/or Services. We also reserve the right to modify or discontinue all or part of the Website and/or Services without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Website and/or Services.

We cannot guarantee the Website and/or Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Website and/or Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Website and/or Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Website and/or Services during any downtime or discontinuance of the Website and/or Services. Nothing in these TOU will be construed to obligate us to maintain and support the Website and/or Services or to supply any corrections, updates, or releases in connection therewith.

11. 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 OR INABILITY TO USE THE WEBSITE OR THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE TWELVE (12) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

12. Intellectual Property.

Unless otherwise indicated, the Website and Services are Company’s proprietary property and all source code, databases, functionality, software, designs, audio, video, text, photographs, and graphics on the Website and Services (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United States, international laws, and international conventions. The Content and the Marks are provided on the Website and Services “AS IS” for your information and personal use only as set forth in these TOU. Except as expressly provided in these TOU, no part of the Website or Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

13. Prohibited Uses.

You are prohibited from engaging in the following activities, each of which shall be considered a material breach of these TOU for which your account and access to the Website and Services may be suspended or terminated at Company’s sole discretion:

except as permitted by applicable law, decompiling, reverse engineering, disassembling, attempting to derive the source code of, or decrypting the Website and/or Services;
making any modification, adaptation, improvement, enhancement, translation, or derivative work from the Website and/or Services;
violating any applicable laws, rules, or regulations in connection with your access or use of the Website and/or Services;
removing, altering, or obscuring any proprietary notice (including any notice of copyright or trademark) posted by us or the licensors of the Website and/or Services;
using the Website and/or Services for any revenue generating endeavor, commercial enterprise, or other purpose for which it is not designed or intended;
making the Website and/or Services available over a network or other environment permitting access or use by multiple devices or users at the same time;
using the Website and/or Services for creating a product, service, or software that is, directly or indirectly, competitive with or in any way a substitute for the Website and/or Services;
tricking, defrauding, or misleading us and/or other users, especially in any attempt to obtain the personal information of others;
engaging in any automated use of the Website or Services, such as using scripts to fill in information or using any data mining, scraping, robots, or similar data gathering and extracting tools;
circumventing, bypassing, disabling, or otherwise interfering with any security-related features of the Website or Services;
uploading or transmitting any viruses, Trojan horses, or other malware to the Website or Services or otherwise using any malware in any way that interferes with any party’s uninterrupted use and enjoyment of the Website or Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services;
using the Website and/or Services to send automated queries to any website or to send any unsolicited commercial e-mail; or
using any proprietary information or any of our interfaces or our other intellectual property in the design, development, manufacture, licensing, or distribution of any applications, accessories, or devices for use with the Website and/or Services.

14. Termination

These TOU shall remain in full force and effect while you use the Website and/or Services and, except for those provisions which expressly or by their nature are intended to survive termination or expiration, shall terminate upon termination or deletion of your account.

WITHOUT LIMITING ANY OTHER PROVISION OF THESE TOU, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE WEBSITE AND/OR SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TOU OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE WEBSITE AND/OR SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

15. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) information and content you have provided to us; (2) use of the Website and/or Services; (3) breach of these TOU; (4) any breach of your representations and warranties set forth in these TOU; or (5) your violation of the rights of a third party, including but not limited to intellectual property rights. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

16. Governing Law

These TOU and your use of the Website and Services are governed by and construed in accordance with the laws of the State of Ohio applicable to agreements made and to be entirely performed within the State of Ohio, without regard to its conflict of law principles.

17. Dispute Resolution; Class Action Waiver.

NOTWITHSTANDING ANYTHING IN THESE TOU TO THE CONTRARY AND TO THE EXTENT PERMISSIBLE UNDER APPLICABLE LAW, YOU AND COMPANY AGREE TO GIVE UP ANY RIGHTS TO LITIGATE CLAIMS IN A COURT OR BEFORE A JURY OR TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO A CLAIM. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT, SUCH AS ACCESS TO DISCOVERY, ALSO MAY BE UNAVAILABLE OR LIMITED IN ARBITRATION.

Any dispute between you and Company (and its agents, employees, members, officers, directors, principals, successors, assigns, and/or Affiliates) arising from or relating to these TOU and their interpretation or the breach, termination or validity thereof, the relationships which result from these TOU, including disputes about the validity, scope or enforceability of this arbitration provision will be settled by binding arbitration in Columbus, Ohio administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect. Prior to initiating any arbitration, the initiating party will give the other party at least sixty (60) days’ advanced written notice of its intent to file for arbitration. Company will provide such notice by email to your email address on file with Company. You must provide your notice via email to legal@compareyourbenefit.com with “Legal Dispute” appearing in the subject line. During such 60-day notice period, you and Company will endeavor to settle amicably by mutual discussions any disputes.

Payment of all filing, administration and arbitrator fees will be governed by the AAA’s rules. If the arbitrator determines the claim(s) you assert in the arbitration are frivolous, you agree to reimburse Company for all fees and expenses associated with the arbitration that Company has paid.

The arbitrator will have the power to grant whatever relief would be available in court under law or in equity and any award of the arbitrator will be final and binding on each of the parties and may be entered as a judgment in any court of competent jurisdiction. The arbitrator will not, however, have the power to award punitive or exemplary damages, the right to which you and Company hereby waive, and the arbitrator will apply applicable law and the provisions of these Terms. Company and you agree that any dispute will be submitted to arbitration on an individual basis only. NEITHER COMPANY NOR YOU ARE ENTITLED TO ARBITRATE ANY DISPUTE AS A CLASS, REPRESENTATIVE, OR PRIVATE ATTORNEY ACTION AND THE ARBITRATOR WILL HAVE NO AUTHORITY TO PROCEED ON A CLASS, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL BASIS. If any provision of these arbitration provisions is found to be unenforceable, the unenforceable provision(s) will be severed and the remaining arbitration terms will be enforced. Regardless of any statute or law to the contrary, notice on any claim arising from or related to these Terms must be made within one (1) year after such claim arose or be forever barred. For purposes of this section, these Terms and related transactions will be subject to and governed by the Federal Arbitration Act, 9 U.S.C.§§ 1-16.

Notwithstanding the above, if your claims qualify for small claims court, you may elect to bring an individual action in any small claims court of competent jurisdiction instead of engaging in arbitration as set forth in this Section 17. This election may be made at any time before an arbitrator is appointed. In any small claims action or litigation, the local rules of court shall apply in lieu of the remaining provisions of this Section 17. If the dispute is removed, appealed, or escalated from small claims court to a court of general jurisdiction, the dispute must then be resolved exclusively through binding arbitration in accordance with the terms of this Section 17.

18. Miscellaneous

These TOU and any policies or operating rules posted by us on the Website and/or Services or in respect to the Website and/or Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these TOU shall not operate as a waiver of such right or provision. These TOU operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. You may not assign any of your rights or obligations to any other party without our prior written consent. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these TOU is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these TOU and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these TOU or use of the Website and/or Services. You agree that these TOU will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these TOU and the lack of signing by the parties hereto to execute these TOU.

19. Contact

Legal Notices: legal@compareyourbenefit.com.

Registered agent: Northwest Registered Agent Service, Inc. 6545 Market Ave N, Ste 100 Canton, OH 44721