Terms of Use & Service.
This site is published and maintained by Hiswill Benefits, LLC, doing business as Employee Benefits NJ, and Joseph Country (“the Company,” or “Employee Benefits NJ,” or. “the Broker.”)
THIS SITE IS NOT FOR OFFICIAL INSURANCE INFORMATION OR ADVICE, IT IS PURELY EDUTAINMENT AND IS MEANT TO PROVIDE GENERALIZED INFORMATION THAT ALLOWS VISITORS TO CONTACT A LICENSED BROKER FOR MORE INFORMATION.
Each time you access and/or use the Services, you agree to be bound by these Terms and any additional terms that will apply to you.
No Solicitation or Offer: Information on the Site is not intended to constitute an offer to sell or a solicitation of any particular product or service.
No Reliance Upon Information: Nothing on this website is to be considered insurance advice, insurance consulting, or insurance policy. Nothing on this site should be relied upon as insurance quotes, compliance guidance, or insurance advice. Nothing on this site should be relied upon as financial advice, accounting advice, tax advice, or legal advice.
Every state is different. The laws and insurance regulations of your state may differ from any information on this website. Do not rely on this page for valid state or compliance information.
By using this website, or by contacting Employee benefits NJ, or by utilizing the services of Employee Benefits NJ, or by requesting a quote from Employee Benefits NJ, you are automatically agreeing to the following terms and conditions:
This is a general audience site for adults. Any user accessing or using the services provided through this website will be referred to as the "User".
By accessing or using the Company’s website, the User agrees to be bound by the terms and conditions set forth in this Agreement. If the User does not agree to these terms, they should refrain from using the website.
1. Services Provided
The Company offers employee benefits consulting services, including but not limited to group health insurance, dental insurance, vision insurance, and other employee benefit products.
The Site is designed to provide general information. Information on the Site is not intended to constitute an offer to sell or a solicitation of any particular product or service. Any insurance product described on the Site may have exclusions, limitations, reductions in benefits and terms under which it may be continued in force or discontinued. Some products and/or services may not be available in all states or countries.
2. No Client Rights Beyond Legal Requirements
Prospective and current clients acknowledge that they do not acquire any proprietary rights or ownership interest in the Broker's services or information beyond what is required by applicable law. The Broker retains all intellectual property rights, including but not limited to trademarks, copyrights, and trade secrets.
3. Disclaimer of Warranty or Liability
The Company provides information and services on an "as-is" basis. The Company makes no representations or warranties, express or implied, regarding the accuracy, completeness, or suitability of the information provided. The Company shall not be liable for any damages, including but not limited to direct, indirect, incidental, consequential, or punitive damages arising out of the use or inability to use the services.
4. Insurance Sales and Service
a. License and Compliance: The Broker is duly licensed to sell and service insurance products in accordance with applicable New Jersey state laws and regulations.
b. NOT ALL CONTRIBUTORS, AUTHORS, OR CREATORS OF THIS WEBSITE MAY BE LICENSED TO SELL INSURANCE. NOT ALL CONTRIBUTORS, AUTHORS, OR CREATORS OF THIS WEBSITE MAY BE INSURANCE BROKERS.
DO NOT RELY UPON THIS WEBISTE FOR ADVICE REGARDING INSURANCE LAWS, COMPLIANCE, SALES, REGULATIONS, INSTRUCTIONS, PROCEDURES, OR ANY OTHER OFFICIAL USE. THIS SITE ID FOR EDUTAINMENT ONLY.
c. THOSE LICENSED ARE ONLY LICENSED FOR DISABILITY, LIFE, AND HEALTH INSURANCE.
d. No Guarantee of Coverage: The Broker makes no guarantee of coverage or acceptance by insurance carriers. All coverage is subject to underwriting approval by the respective insurance carrier.
e. Client Responsibilities: Clients are responsible for providing accurate and complete information for insurance applications. The Broker is not liable for any consequences arising from the provision of false or incomplete information.
Non-payment or invoices whether ours or a third-party;s is grounds for refusal or cancellation of service.
5. Confidentiality
All information provided by the User, including personal and business information, will be treated with the utmost confidentiality. The Broker will not disclose such information to third parties without the User's explicit consent, except as required by law. Do not disclose private, sensitive, confidential, or protected information via this website or any of its forms.
6. Limitation of Liability
The Company’s liability for any claims arising out of or related to this Agreement or the services provided shall be limited to the fees paid by the User for the specific services giving rise to the claim.
a. Limited Liability.
EMPLOYEE BENEFITS NJ DISCLAIMS ALL LIABILITY, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, AND DOES NOT ACCEPT ANY LIABILITY FOR ANY LOSS OR DAMAGE (DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, INCIDENTAL, SPECIAL, EXEMPLARY, OR OTHERWISE) (“DAMAGES”) RESULTING FROM ANY USE OF, OR INABILITY TO USE, THE SERVICES OR ANY OTHER WEBSITE, OR THE MATERIAL, INFORMATION, SOFTWARE, FACILITIES, SERVICES, OR OTHER CONTENT OF THE SERVICES OR ANY OTHER WEBSITE, REGARDLESS OF THE BASIS UPON WHICH LIABILITY IS CLAIMED AND EVEN IF EMPLOYEE BENEFITS NJ HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGES. WITHOUT LIMITATION, YOU (AND NOT EMPLOYEE BENEFITS NJ) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION IN THE EVENT OF ANY SUCH LOSS OR DAMAGES ARISING THEREIN. SOME JURISDICTIONS DO NOT ALLOW ALL OR ANY PART OF THE ABOVE LIMITATION OR EXCLUSION OF LIABILITY; AS A RESULT, THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU, AND THE FOREGOING PARAGRAPH SHALL NOT APPLY TO A RESIDENT OF NEW JERSEY TO THE EXTENT DAMAGES TO SUCH NEW JERSEY RESIDENT ARE THE RESULT OF EMPLOYEE BENEFITS NJ’S NEGLIGENT, FRAUDULENT OR RECKLESS ACT(S) OR INTENTIONAL MISCONDUCT.
b. Binding Arbitration of All Disputes; No Class Relief.
To the fullest extent permissible by law, with the exception of disputes pertaining to Employee Benefits NJ’s intellectual property rights and certain statutory claims that, pursuant to law, are not arbitrable, any dispute of any kind between you and Employee Benefits NJ arising under these Terms shall be resolved through binding arbitration pursuant to the JAMS Streamlined Arbitration Rules and Procedures on an individual basis with no class relief. The arbitrator shall be a retired judge or justice of any New Jersey state or federal court with substantial experience in the insurance industry and shall follow New Jersey substantive law in adjudicating the dispute, except that this Section shall be construed as a “written agreement to arbitrate” pursuant to the Federal Arbitration Act (“FAA”). You and we agree that we intend that this Section 9(a) satisfies the “writing” requirement of the FAA. The hearing shall be conducted in the county that encompasses the billing address you have provided to Employee Benefits NJ. AGREEMENT TO THESE TERMS CONSTITUTES AN AGREEMENT TO PURSUE YOUR CLAIM ON AN INDIVIDUAL BASIS AND A WAIVER OF THE ABILITY TO PURSUE YOUR CLAIM IN A CLASS ACTION.
c. Indemnity.
You agree to defend, indemnify and hold harmless Employee Benefits NJ, its affiliates and subsidiaries, and its officers, directors, employees, principals, agents, distributors, representatives, proprietors, partners, shareholders, principals, predecessors, successors and assigns from and against any and all claims, demands, liabilities, costs or expenses, including reasonable attorney's fees, resulting from your breach of these Terms, including any of the foregoing provisions, representations or warranties, from your placement or transmission of any content onto Aflac's servers and/or from any and all use of the Services or your account.
7. Use & Client Status
Use of this website does not create a client-broker relationship of any kind. Use and access of this website does not guarantee broker will take on your case or provide you a quote.
Employee Benefits NJ shall have the right to refuse or cancel any client or service.
Non-payment or invoices whether ours or a third-party;s is grounds for refusal or cancellation of service.
8. Governing Law
This Agreement shall be governed by and construed in accordance with the laws of the state of New Jersey, U.S.A, without regard to its conflict of law principles.
9. No Binding Requests or Directions
Nothing communicated through this website including all mediums and forms of communication will constitute official requests or directions for any binding directive in reference to insurance enrollments, changes, or cancellations.
10. Product Specifications; Pricing; Typographical Errors
We do not warrant that any product specifications, pricing, or other content are error-free. In the event of any errors, The Company reserves the right to correct data upon discovery or request.
11. Risk: The risk of loss shifts to you once we deliver any items you purchase to the carrier.
12. Third-Party Sites: We are not responsible for third-parties or their content, advertisements, apps, or sites.
13. Severability: If any portion of this agreement is deemed unenforceable, the remaining provisions will survive.
14. Trademarks and Copyrights.
The Services, software and materials incorporated by Employee Benefits NJ for the Services (“Material”) are protected by copyrights, patents, trade secrets, license agreements or other proprietary rights (“Copyrights”). Some of the characters, logos, or other images incorporated by Employee Benefits NJ for the Services are also protected as registered or unregistered trademarks, trade names, and/or service marks owned by Employee Benefits NJ or others (“Trademarks”). Employee Benefits NJ respects the intellectual property rights of others and asks users of the Services to do the same.
15. Changes to Terms
The Company reserves the right to modify these terms at any time. Users are responsible for regularly reviewing these terms. Continued use of the website after any such changes shall constitute acceptance of the modified terms.