Terms of Use

Draft dated August 17, 2026

1. Agreement to these Terms

These Terms of Use (“Terms”) govern your access to and use of websites, portals, applications, content, and related services operated by Our Team Benefits LLC (“OurTeamBenefits,” “we,” “us,” or “our”), collectively the “Services.” By accessing or using the Services, you agree to these Terms and our Privacy Policy. If you use the Services for an employer or another organization, you represent that you are authorized to accept these Terms on its behalf. If you do not agree, do not use the Services.

2. Purpose of the Services

OurTeamBenefits organizes employer-approved benefits information, documents, enrollment resources, provider links, support contacts, and related materials in a centralized location. The Services are intended to help employees find and use benefits information and to support employers, HR teams, and benefits professionals.

The Services are informational only. They do not constitute medical, legal, tax, financial, insurance, employment, fiduciary, or benefits advice. They do not create an advisor-client, insurer-insured, broker-client, employment, fiduciary, or other professional relationship.

3. Official Documents and Benefit Decisions

Portal content may summarize information and may be incomplete, delayed, or subject to change. Official plan documents, carrier contracts, policies, certificates, summaries of benefits and coverage, enrollment materials, and written directions from the applicable employer or carrier control if there is any difference. Eligibility, enrollment, coverage, claims, provider participation, and benefit determinations are made by the responsible employer, plan, carrier, administrator, or other authorized party—not by OurTeamBenefits.

You are responsible for confirming important information with the appropriate employer, HR contact, benefits professional, carrier, provider, or qualified adviser before acting on it.

4. Eligibility and Authorized Access

You may use the Services only if you can legally enter into these Terms and are authorized for the company, role, and information you access. Company-specific and role-specific areas are confidential and may be used only for legitimate benefits-related purposes. You may not access or attempt to access another company’s portal, records, documents, or account without express authorization.

5. Accounts and Security

You must provide accurate information, protect your credentials, and promptly notify us of suspected unauthorized access or security incidents. You may not share credentials except where an authorized organization has expressly approved a managed access method. You are responsible for activity conducted through your account to the extent permitted by law. We may require password changes, additional verification, or other reasonable security measures.

6. Employer and Authorized-User Responsibilities

Employers, brokers, benefits professionals, and authorized administrators are responsible for confirming that information and materials they provide are current, accurate, lawful, approved for the intended audience, and permitted to be shared. They must promptly notify us of corrections, expired materials, access changes, or users who should no longer have access.

AI-assisted extraction, organization, or drafting features, if available, produce review-only drafts. They are not authoritative and must be reviewed and approved by an authorized person before publication or reliance.

7. Acceptable Use

You may not:

• Use the Services unlawfully, fraudulently, or outside your authorized role;
• Access, disclose, copy, or distribute another company’s or person’s nonpublic information without authorization;
• Bypass authentication, probe security, interfere with operation, or introduce malicious code;
• Scrape, harvest, reverse engineer, or systematically copy the Services except as expressly permitted by law;
• Impersonate another person or misrepresent your identity, employer, authority, or affiliation;
• Upload content that is unlawful, infringing, malicious, misleading, or not permitted for the intended audience;
• Use the Services to make unauthorized eligibility, coverage, employment, or claims decisions; or
• Help another person engage in prohibited activity.

8. Confidentiality

Nonpublic company, employee, account, system, pricing, security, and benefits information available through the Services is confidential. You must protect it using reasonable care, restrict it to authorized purposes, and comply with applicable privacy, security, employment, and benefits obligations. These duties continue after access ends.

9. Intellectual Property

The Services, including their software, designs, workflows, branding, text, graphics, organization, and original content, are owned by or licensed to OurTeamBenefits and are protected by intellectual-property laws. Subject to these Terms, we grant authorized users a limited, revocable, nonexclusive, nontransferable right to use the Services for their intended benefits-related purpose. No ownership rights are transferred.

Employers and other providers retain their rights in materials they submit. By providing materials, they authorize us to host, reproduce, organize, format, and display those materials as reasonably necessary to provide the Services to the authorized audience.

10. Privacy and Data

Our Privacy Policy explains how we handle personal information. You must not submit medical diagnoses, treatment records, or other sensitive information unless an authorized workflow expressly requests it and you are permitted to provide it. We may preserve information when reasonably necessary for security, legal compliance, dispute resolution, or service administration.

11. Third-Party Services

The Services may link to carriers, providers, enrollment systems, payment providers, or other third parties. We do not control or guarantee their content, security, privacy practices, availability, networks, decisions, products, or services. A link does not constitute an endorsement. Third-party terms and policies may apply.

12. Payments and Billing

If paid services are offered, payments may be processed by Stripe or another payment processor identified at checkout. We may receive transaction details such as payment status, amount, billing contact information, and limited payment-method information, but we do not intend to store full payment-card numbers. Stripe’s terms and privacy policy apply to payment processing. You authorize charges only as clearly shown at checkout or in a separate written service agreement. Any recurring charge, renewal, cancellation deadline, refund policy, or applicable taxes will be disclosed before or when you purchase. Questions about a payment should be directed to [email protected] and, when appropriate, Stripe.

13. Availability, Changes, and Corrections

We may maintain, update, correct, restrict, suspend, or discontinue any part of the Services to improve operation, protect security, comply with law, or address business needs. We do not promise uninterrupted, error-free, or permanently available service. We may correct errors or remove content without prior notice.

14. Suspension and Termination

We may suspend or terminate access when an organization’s service ends, a user is no longer authorized, these Terms are violated, security is at risk, or suspension is reasonably necessary to comply with law or protect users, organizations, or the Services. Upon termination, you must stop using protected portions of the Services. Provisions that should reasonably survive—including confidentiality, intellectual property, disclaimers, liability limits, dispute terms, and miscellaneous provisions—will survive.

15. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” OURTEAMBENEFITS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, SECURITY, AND AVAILABILITY. WE DO NOT GUARANTEE ELIGIBILITY, ENROLLMENT, COVERAGE, RATES, CLAIMS OUTCOMES, PROVIDER PARTICIPATION, TAX TREATMENT, OR EMPLOYMENT RESULTS.

Some jurisdictions do not allow certain warranty exclusions, so some exclusions may not apply to you.

16. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, OURTEAMBENEFITS AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, DATA, BENEFITS, OR OPPORTUNITIES; OR DAMAGES ARISING FROM RELIANCE ON SUMMARIZED INFORMATION, THIRD-PARTY SERVICES, UNAUTHORIZED ACCESS, OR SERVICE INTERRUPTION.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited. Any monetary cap should be selected with Ohio counsel before this draft is published.

17. Indemnification

To the fullest extent permitted by law, an organization or professional using the Services in a business capacity agrees to defend, indemnify, and hold harmless OurTeamBenefits and its owners, officers, employees, and contractors from third-party claims, losses, liabilities, costs, and reasonable attorneys’ fees arising from that party’s unlawful use, unauthorized content, breach of these Terms, violation of another person’s rights, or failure to maintain required authorization. This section does not apply to an individual employee acting solely as an end user to the extent prohibited by law.

18. Urgent Protective Relief

Unauthorized access, disclosure of confidential information, misuse of intellectual property, or interference with the Services may cause harm that cannot be adequately remedied by money alone. Either party may seek temporary, preliminary, or other injunctive relief from a court with jurisdiction without waiving other remedies.

19. Informal Dispute Resolution

Before filing a lawsuit, a party must send written notice describing the dispute and requested resolution. The parties will attempt in good faith to resolve the dispute informally for 30 days after receipt. This requirement does not prevent a party from seeking urgent injunctive relief, preserving a claim before a legal deadline, or pursuing a matter that cannot legally be subject to informal resolution.

20. Governing Law and Courts

These Terms are governed by the laws of the State of Ohio, without regard to conflict-of-law principles. Any judicial proceeding arising from these Terms or the Services must be brought in a state or federal court with jurisdiction in Ohio, and each party consents to that court’s jurisdiction and venue. These Terms do not require mandatory arbitration.

21. Changes to these Terms

We may update these Terms by posting a revised version and changing the effective date. When required, we may provide additional notice. Continued use after revised Terms take effect constitutes acceptance to the extent permitted by law.

22. Miscellaneous

These Terms and the policies expressly incorporated into them are the entire agreement about use of the Services unless a separate written agreement applies. If a provision is unenforceable, it will be modified only as much as necessary, and the remaining provisions will continue. A failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent; we may assign them in connection with a reorganization, merger, sale, or transfer of the Services. Headings are for convenience only. Electronic communications and signatures may satisfy legal writing requirements where permitted.

23. Contact

Questions or dispute notices may be sent to [email protected].