Last Modified 10/29/2025
Welcome to BenefitsAccessCenter.com website (“Website”), owned and operated by Benefits Access Center LLC ("BAC"). Please review these Terms and Conditions (“Terms”) closely and maintain a copy for your records, as they govern your access to and use of the Website, including your ability to access benefit listings on the Website (“Website Services”).
By accessing and using the Website, including your participation in any promotion on the Website, whether offered by BAC or one of our third-party partners (“Website Promotions”), you agree to accept these Terms, as well as the Website's Privacy Policy and any additional terms on the Website. If you do not agree to and accept these Terms or the Website’s Privacy Policy, please do not use or visit the Website, or participate in any of the Website Programs. We reserve the right to modify these Terms at any time in our sole discretion. Any material changes to these Terms will be posted on the Website and shall be binding from the date of posting. No provision of these Terms or modifications thereof shall create any rights in or benefits to any third party.
These Terms contain a mandatory arbitration provision, as detailed below, that requires you to arbitrate, individually, all disputes or claims that you may have with us, related parties, advertisers, including telemarketing partners, and persons with whom we share your personal information where you have given us your consent to do so (“Marketing Partners”), all of whom are third-party beneficiaries of the mandatory arbitration provision. Thus, for example, if you provide prior express written consent to be contacted via telemarketing or SMS/text messaging, any claims that you may have regarding any telemarketing or SMS/text messages that you receive from us or our Marketing Partners are subject to the mandatory arbitration provision. The mandatory arbitration provision also waives your right to participate in a class action or multi-party arbitration. There are two narrow exceptions to the mandatory arbitration provision: (1) you may opt-out by providing written notice of your decision to do so within thirty (30) days of the date that you first register on a Website; and (2) you may opt-out by filing a claim in Small Claims Court provided the requirements described below are met.
For the avoidance of doubt and without limiting the foregoing, you agree to arbitrate any dispute related to any emails, text messages or telephone calls you may receive from us or our Marketing Partners in conjunction with your interactions with us, our Website, or any Website Promotions.
The Website provides Website Services in the form of customized information on potential benefits and resources available to you including, but not limited to, government grants and programs, consumer products, legal advocates, insurance providers, education, loans, and household services (“Resources”). These Resources are provided by third-parties entities (“Resource Providers”). Resource Providers are not affiliated with BAC.
BAC does not sell products, does not provide Resources, and does not offer opinions on your eligibility for Resources. Instead, the Website exists to provide a single, easy-to find starting point for persons looking for information on Resources. BAC and the Website are not affiliated with any local, state, or federal government agency.
BAC is not a credit reporting agency and does not make credit-based decisions. The availability of certain Resources may be based on your creditworthiness, but BAC and the Website play no role in accessing your credit report or making credit-based decisions. Whether you qualify for a Resource is solely dependent on the Resource Provider.
BAC and the Website’s promotion of Resources should not be interpreted as legal or financial advice. The Content on the Website is provided for informational purposes only. If you have a serious legal or financial issue, we encourage you to consult with a licensed professional before focusing your efforts on any related Resources.
While on the Website, you may be presented with survey questions and optional marketing offers from our Marketing Partners. Completion of survey questions or optional offers are not required to obtain Website Services.
Survey Questions. The Website includes numerous survey questions to ascertain your interest in third party products and services, as well as providing you customized Website Services. If you do not wish to respond to survey questions, please select the “skip” button (or any similar button on the question). To the extent that you elect to respond to survey questions and, where applicable, consent to telemarketing or email marketing, information concerning your response to the survey questions may be shared with the Marketing Partners named in the consent.
Optional Offers. The Website may contain Optional Offers from our Marketing Partners. These offers are typically marked as “Optional”, “Sponsored,” or something similar.
Fraud and abuse relating to access to and use of the Website is strictly prohibited. In accessing the Website or participating in any Website Promotion or Website Service, you represent and warrant that: (a) all information you supply is complete and accurate, (b) you are not acting in violation of any applicable laws, rule or regulations, or contrary to these Terms, and (c) you will not circumvent any provision in these Terms or a security feature on the Website or engage in any activity that interrupts or attempts to interrupt the operation of the Website. Engaging in fraudulent or abusive conduct shall subject you to immediate sanctions as determined in our sole and absolute discretion. ANY ATTEMPT BY A PARTICIPANT TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE WEBSITE, WEBSITE PROGRAMS, AND WEBSITE SERVICES IS A VIOLATION OF CRIMINAL AND CIVIL LAW. SHOULD SUCH AN ATTEMPT BE MADE, THE PROGRAM PARTIES RESERVE THE RIGHT TO SEEK DAMAGES FROM ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED.
In accordance with our Privacy Policy, we reserve the right to view, monitor and record activity on this Website without notice to or permission from you. Any information obtained through such monitoring, reviewing or recording is subject to review by law enforcement organizations in connection with investigation or prosecution of possible criminal activity on this Website. We will comply with all court orders involving requests for such information.
The Website and its content ("Content") are owned, trademarked, and copyrighted by us with all rights reserved, except for third party trademarks, logos or service marks which may appear on the Website. Your use of any Content without written permission from us is prohibited. As a user of the Website, we grant you a non-exclusive, non-transferable, revocable, and limited license to access and use the Content for your own personal, non-commercial use in accordance with these Terms. By submitting any content to us, you grant us a perpetual, unlimited, irrevocable, royalty-free, non-exclusive, assignable and worldwide license to make, copy, perform, publish, display, distribute, transmit, translate, modify, prepare derivative works from and use such content in any form, media or technology now known or hereafter developed.
See our Privacy Policy which is incorporated herein by reference, for more information concerning our collection and use of your personal information, the security of your personal information, and how to exercise your privacy rights.
Any communication or material you transmit to us by electronic mail or otherwise, including but not limited to questions, comments, suggestions, or inquiries, will be treated as non-confidential and non-proprietary.
By using our Site, you agree to defend and hold harmless us, our parents, subsidiaries, and related parties, and each of their respective members, officers, directors, employees, agents, and other partners, harmless against any demands, claims or actions arising out of or as a result of (1) your access to or use of the Website, Website Promotions or Website Services, (2) your breach or violation of these Terms, (3) your violation of any rights including, but not limited to, intellectual property rights, or (4) any deceptive, threatening, libelous, obscene, harassing, or offensive material contained in any of your email communications or other submissions to the Website.
The Website, Website Promotions and Website Services are subject to change and are provided to you “as is” without any warranty of any kind, either expressed or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose or noninfringement. We make no warranty that the activity and content relating to the Website, Website Promotions, or Website Services will (1) meet your requirements, (2) be uninterrupted, timely, secure, or error-free, or (3) be accurate or reliable. We assume no responsibility for any damage to your computer system or loss of data that may have resulted from material downloaded or otherwise obtained through activity relating to the Website, Website Promotions or Website Services.
To the maximum extent allowed by applicable law, we will not be liable for any indirect, incidental, special, or consequential damages arising out of or relating to the Terms, the Website, Website Promotions, or Website Services, no matter how caused. In no event will our total cumulative liability to any user exceed $1,000.
You agree that these Terms constitute the agreement between you and us, and that New York law controls, without regard to conflicts of law provisions. Any dispute that is not resolved by arbitration and proceeds in a state or federal court will be adjudicated in a court in the state of New York. You expressly waive any defense or objection to venue or personal jurisdiction.
BY AGREEING TO THIS ARBITRATION AGREEMENT, YOU ARE GIVING UP YOUR RIGHT TO GO TO COURT, INCLUDING YOUR RIGHT TO A JURY TRIAL. Should a dispute arise concerning the Website, Website Promotions, Website Services, Content, the terms and conditions of the Agreement or the breach of same by any party hereto, including our Marketing Partners: (a) the parties agree to submit their dispute for resolution by arbitration before a reputable arbitration organization as mutually agreed upon by the parties in New York, New York, in accordance with the then-current Commercial Arbitration rules of the American Arbitration Association; and (b) you agree to first commence a formal dispute proceeding by completing and submitting an Initial Dispute Notice to us by contacting us at Info@BenefitsAccessCenter.com. We may choose to provide you with a final written settlement offer after receiving your Initial Dispute Notice (“Final Settlement Offer”). If we provide you with a Final Settlement Offer and you do not accept it, or we cannot otherwise satisfactorily resolve your dispute, you can submit your dispute for resolution by arbitration before a reputable arbitration organization as mutually agreed upon by the parties, in your county of residence, by filing a separate Demand for Arbitration by contacting us at Info@BenefitsAccessCenter.com.
The parties agree that the arbitrator shall not consolidate more than one person’s claims and shall not otherwise preside over any form of a representative or class proceeding. For claims of Ten Thousand Dollars ($10,000.00) or less, you can choose whether the arbitration proceeds in person, by telephone or based only on submissions. Any award rendered shall be final and conclusive to the parties and a judgment thereon may be entered in any court of competent jurisdiction. Nothing contained herein shall be construed to preclude any party from: (a) seeking injunctive relief to protect its rights pending an outcome in arbitration; and/or (b) pursuing the matter in small claims court rather than arbitration. Although we may have a right to an award of attorneys’ fees and expenses if we prevail in arbitration, we will not seek such an award from you unless the arbitrator determines that your claim was frivolous.
To the extent permitted by law, you agree that you will not bring, join or participate in any class action lawsuit as to any claim, dispute or controversy that you may have against Company and/or its employees, officers, directors, members, representatives and/or assigns, and its Marketing Partners as it relates to the Website, Website Promotions or Website Services. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney’s fees and court costs that Company and Marketing Partners incur in seeking such relief. This provision preventing you from bringing, joining or participating in class action lawsuits: (i) does not constitute a waiver of any of your rights or remedies to pursue a claim individually and not as a class action in binding arbitration as provided above; and (ii) is an independent agreement. You may opt-out of these dispute resolution provisions by providing written notice of your decision within thirty (30) days of the date that you first access the Website.
YOU UNDERSTAND THAT BY AGREEING TO THIS ARBITRATION AGREEMENT, WHICH CONTAINS THIS CLASS ACTION WAIVER, YOU MAY ONLY BRING CLAIMS AGAINST US AND OUR MARKETING PARTNERS IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION OR REPRESENTATIVE PROCEEDING.
The Website, Website Promotions, Website Services, Content, emails or other transmissions may contain links to websites owned or operated by third-party Marketing Partners. These links are provided for your convenience only. We do not control, and are not responsible for, the content or privacy policies on, or the security of, such third-party websites and disclaim any responsibility relating to such third-party websites. Neither do we endorse the content, or any products or services available, on such third-party websites.
These Terms constitute the entire agreement between you and us in connection with your use of the Website, Website Promotions, and Website Services and supersedes all prior agreements between the parties regarding the subject matter contained herein.
If any provision of these Terms of Use is found invalid or unenforceable, that provision shall be enforced to the maximum extent possible, and the other provisions contained herein will remain in full force and effect. No failure of either party to exercise or enforce any of its rights under these Terms of Use will act as a waiver of such rights. You may be notified by email or at the next time you attempt to access your account, or your access may be stopped without notice.
YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS AGREEMENT AND OUR PRIVACY POLICY AND EXPRESSLY AGREE TO AND CONSENT TO BE BOUND BY ALL OF THE TERMS CONTAINED HEREIN AND THEREIN. THIS AGREEMENT SHALL HAVE THE SAME LEGAL FORCE AND EFFECT AS A WRITTEN DOCUMENT SIGNED BY YOU. ANY USE OF THIS WEBSITE BY YOU AFTER ANY AMENDMENTS OR MODIFICATIONS TO THESE TERMS AND CONDITIONS SHALL CONSTITUTE YOUR ACCEPTANCE OF THE MOST CURRENT VERSION OF THESE TERMS AND CONDITIONS AND THE AMENDMENT OF THE AGREEMENT BETWEEN US TO INCORPORATE SUCH AMENDED TERMS AND CONDITIONS.
The Website is owned and operated by:
Benefits Access Center LLC
68 White St, #7-291, Red Bank, NJ 07701
Info@BenefitsAccessCenter.com