Terms of Service

1. The service

Benefits Studio lets brokers and HR teams (“you,” the “customer”) upload employee benefits documents, review information extracted from them, and publish public benefits websites that include an AI assistant (“Benny”) answering questions from those documents. By creating an account or using the service you agree to these terms.

2. Information, not advice — the important part

• Benefits Studio does not provide medical, legal, insurance, or financial advice.Portals and Benny surface information found in the plan documents you upload — nothing more. Employees’ official plan documents and their carrier are always the authoritative source, and coverage questions about a specific situation should go to the carrier.
• AI output requires your review. Extracted plan facts are drafts until a human on your team confirms them. You are responsible for the accuracy of everything you publish, and nothing publishes without your confirmation.
• Benny can make mistakes.Answers cite their source pages so readers can verify. Every portal carries the notice: “Confirm details with your carrier for current plan information.”
• No personal health information.The service is designed for plan-level documents (SBCs, plan summaries, formularies). Do not upload documents containing individual employees’ personal or health information. Benefits Studio is not a HIPAA business associate.

3. Accounts

You’re responsible for your credentials and for activity under your account. Provide accurate information and keep it current. You must be authorized to act for the organization you sign up on behalf of, and you must have the right to upload and publish the documents and materials you provide.

4. Subscriptions, trials & billing

• Each portal requires its own subscription, billed monthly or annually through Stripe at the prices shown on our pricing page.
• New accounts may receive a 30-day free trial on their first portal. When a trial ends without a subscription, the portal goes offline (its data is retained for 90 days).
• Subscriptions renew automatically until canceled. Cancel anytime from the billing portal; you keep access through the end of the paid period. Fees already paid are non-refundable except where required by law.
• If a payment fails and isn’t resolved after our retries, the portal may be taken offline until payment is restored.
• We may change prices with at least 30 days’ notice; changes apply at your next renewal.

5. Your content

You own the documents and content you upload. You grant us a limited license to host, process, display, and transmit that content solely to operate the service — including processing documents with AI providers to extract plan information and answer questions. We do not use your content to train AI models. You’re responsible for having the rights to everything you upload (including carrier logos and branding used on your portals).

6. Acceptable use

Don’t misuse the service: no unlawful content, no attempting to breach security or access other customers’ data, no scraping or overloading the AI assistant, no reselling the service without our agreement, and no uploading malware. We apply fair-use limits to AI features (with generous soft ceilings) and may suspend accounts engaged in abuse.

7. Our property

The Benefits Studio software, design, branding, and the Benny character are ours and protected by intellectual-property laws. We’re granting you a subscription to use the service, not a transfer of any ownership.

8. Termination

You can stop using the service and cancel at any time. We may suspend or terminate accounts that violate these terms, with notice where practical. After termination, portal data is retained for 90 days (so you can export or reactivate) and then deleted.

9. Disclaimers & limitation of liability

The service is provided “as is” without warranties of any kind, express or implied, including fitness for a particular purpose and non-infringement. To the fullest extent allowed by law: we are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, or data; and our total liability for any claim is limited to the amounts you paid us in the 12 months before the claim arose. Some jurisdictions don’t allow certain limitations, so parts of this section may not apply to you.

10. Indemnification

You’ll defend and hold us harmless from claims arising out of the content you upload or publish, your use of the service in violation of these terms, or your violation of applicable law.

11. General

These terms are governed by the laws of the State of Florida, USA, excluding its conflict-of-laws rules, and disputes will be resolved in the state or federal courts located in Florida. If we make material changes to these terms, we’ll notify account holders by email at least 14 days before they take effect. If any provision is found unenforceable, the rest remain in effect. Questions: legal@benefitsstudio.com.