Last Modified: May 6, 2026
Welcome to BenefitsAccessCenter.com (the “Website”), owned and operated by Benefits Access Center LLC ("BAC," "we," "us," or "our"). Please review these Terms and Conditions (the “Terms”) carefully and retain a copy for your records, as they govern your access to and use of the Website, including your ability to access benefit listings and related functionality made available through the Website (collectively, the “Website Services”).
By accessing or using the Website, including by participating in any promotion offered on the Website, whether sponsored by BAC or by one of our third-party partners (“Website Promotions”), you acknowledge that you have read, understood, and agree to be bound by these Terms, the Website’s Privacy Policy, and any additional terms, rules, or guidelines that may be posted on the Website from time to time, all of which are incorporated herein by reference. If you do not agree to and accept these Terms or the Website’s Privacy Policy in their entirety, you must not access, visit, or use the Website, the Website Services, or participate in any Website Promotion.
We reserve the right, in our sole and absolute discretion, to modify, amend, supplement, or otherwise revise these Terms at any time. Any material changes to these Terms will be posted on the Website and shall become binding and effective thirty (30) days after the date of posting. Your continued access to or use of the Website following the effective date of any such modification constitutes your acceptance of the modified Terms. No provision of these Terms, or any modification thereof, shall be construed to create any rights in or benefits to any third party, except as expressly provided herein with respect to our Marketing Partners and other identified third-party beneficiaries.
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:
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-party 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 accessing the Website, you may be presented with survey questions and optional marketing offers from our Marketing Partners. Your completion of, or response to, any survey questions or Optional Offers is entirely voluntary and is not required to access or obtain the Website Services.
Survey Questions. The Website includes numerous survey questions intended to ascertain your interest in third-party products and services and to provide you with customized Website Services. If you do not wish to respond to any survey question, you may decline to do so by selecting the “skip” or “not interested” button (or any similar button or option presented in connection with the question). To the extent that you elect to respond to one or more survey questions and, where applicable, provide your consent to telemarketing or email marketing, information concerning your responses to such survey questions, together with the personal information you have submitted on the Website, may be shared with the Marketing Partners identified in the applicable consent disclosure. By providing such consent, you acknowledge and agree that the named Marketing Partners may contact you in accordance with the terms of that consent and these Terms.
Optional Offers. The Website may also contain optional marketing offers from our Marketing Partners (“Optional Offers”). Optional Offers are typically designated by a label such as “Optional,” “Sponsored,” or a similar identifier. You are under no obligation to engage with, accept, or respond to any Optional Offer, and your decision not to do so will not affect your access to or use of the Website Services. If you choose to engage with an Optional Offer, you understand and agree that such engagement may be subject to additional terms, conditions, and privacy practices established by the applicable Marketing Partner, and that BAC is not responsible for the products, services, content, or practices of any Marketing Partner offering an Optional Offer.
For additional information regarding how your personal information and survey responses are collected, used, and shared with Marketing Partners, please refer to the Website’s Privacy Policy, which is incorporated herein by reference.
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, rules 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 sanctions as determined in our sole and absolute discretion, which may be imposed without prior notice, including without limitation:
We will use commercially reasonable efforts to notify you of any such determination, but failure to provide notice shall not affect our right to impose any of the foregoing sanctions. ANY ATTEMPT BY A PARTICIPANT TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE WEBSITE, WEBSITE PROMOTIONS, AND WEBSITE SERVICES IS A VIOLATION OF CRIMINAL AND CIVIL LAW. SHOULD SUCH AN ATTEMPT BE MADE, WE RESERVE THE RIGHT TO SEEK DAMAGES FROM ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED.
We may view, monitor, and record activity on this Website for purposes of fraud prevention, security, and enforcement of these Terms, as described in our Privacy Policy. 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.
This Website is part of a family of websites operated by our parent company (the “Family of Sites”). As described in our Privacy Policy, we use cookies and internal identifiers to recognize you across the Family of Sites, which means that information you provide on this Website may be linked to your activity on other websites in the Family of Sites. Your use of this Website constitutes your acknowledgment of these cross-site data practices as described in the Privacy Policy. To the extent required by applicable state or federal privacy laws, you may opt out of cross-site tracking, targeted advertising, or the sale or sharing of your personal information by following the instructions in our Privacy Policy.
Any communication or material that you transmit to BAC by electronic mail or otherwise, including but not limited to questions, comments, suggestions, feedback, ideas, or inquiries (collectively, “Submissions”), will be treated as non-confidential and non-proprietary. By making any Submission, you acknowledge and agree that BAC shall have no obligation of confidentiality, express or implied, with respect to such Submission, and that BAC and its affiliates shall be free to use, reproduce, disclose, publish, distribute, and otherwise exploit any such Submission for any purpose whatsoever, commercial or otherwise, without compensation, attribution, or further obligation to you. You further represent and warrant that you have all rights necessary to make such Submission and that the Submission does not infringe or violate the rights of any third party.
By accessing or using the Website, Website Promotions, or Website Services, you agree to defend, indemnify, and hold harmless BAC, its parents, subsidiaries, affiliates, and related parties, and each of their respective members, managers, officers, directors, employees, agents, representatives, successors, assigns, and other partners (collectively, the “Indemnified Parties”), from and against any and all demands, claims, actions, causes of action, suits, proceedings, losses, liabilities, damages, judgments, awards, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of, resulting from, or in any way connected with:
BAC reserves the right, at its own expense and in its sole discretion, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you agree to cooperate fully with BAC in asserting any available defenses and in the conduct of such defense. You shall not settle or compromise any claim subject to indemnification hereunder without the prior written consent of BAC. This indemnification obligation shall survive the termination or expiration of these Terms and your use of the Website, Website Promotions, and Website Services.
The Website, Website Promotions, and Website Services are subject to change and are provided to you “AS IS” and “AS AVAILABLE” without any warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Without limiting the generality of the foregoing, BAC makes no representation, warranty, or guarantee regarding the accuracy, completeness, reliability, timeliness, suitability, or availability of the Website, Website Promotions, Website Services, Content, or any Resources or information offered or made available by Resource Providers or Marketing Partners.
BAC makes no warranty that the activity and content relating to the Website, Website Promotions, or Website Services will: (1) meet your requirements or expectations; (2) be uninterrupted, timely, secure, or error-free; (3) be free of viruses, worms, or other harmful components; or (4) be accurate, current, or reliable. Any material downloaded or otherwise obtained through the use of the Website, Website Promotions, or Website Services is accessed at your own discretion and risk, and you are solely responsible for any damage to your computer system, mobile device, or other equipment, or loss of data, that results from such activity.
You acknowledge and agree that BAC is not responsible for, and disclaims any and all liability arising out of or relating to, the acts, omissions, products, services, communications, or eligibility determinations of any Resource Provider, Marketing Partner, or other third party. Your reliance on any Content, Resource, or information made available through the Website is at your sole risk.
No advice or information, whether oral or written, obtained by you from BAC or through the Website shall create any warranty not expressly stated in these Terms. Some jurisdictions do not allow the exclusion of certain warranties; accordingly, some of the foregoing exclusions may not apply to you but shall apply to the maximum extent permitted by applicable law.
To the maximum extent permitted by applicable law, in no event shall BAC, its parents, subsidiaries, affiliates, related parties, Marketing Partners, Resource Providers, or any of their respective members, officers, directors, employees, agents, licensors, or representatives be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including, without limitation, damages for loss of profits, loss of goodwill, loss of use, loss of data, business interruption, or any other intangible losses, arising out of or relating to these Terms, the Website, the Content, the Website Promotions, or the Website Services, regardless of the form of action or theory of liability, whether in contract, tort (including negligence), strict liability, or otherwise, and whether or not BAC has been advised of the possibility of such damages.
Notwithstanding any provision of these Terms to the contrary, in no event shall the total cumulative liability of BAC and its parents, subsidiaries, affiliates, related parties, Marketing Partners, and each of their respective members, officers, directors, employees, agents, licensors, and representatives to any user, arising out of or relating to these Terms, the Website, the Content, the Website Promotions, or the Website Services, exceed One Thousand United States Dollars (US $1,000.00) in the aggregate.
You acknowledge and agree that the limitations of liability set forth in this Section 10 are an essential element of the bargain between you and BAC, that BAC would not provide the Website, the Website Promotions, or the Website Services without such limitations, and that such limitations shall apply notwithstanding the failure of essential purpose of any limited remedy. Some jurisdictions do not allow the exclusion or limitation of certain damages, so the foregoing exclusions and limitations shall apply to the fullest extent permitted by applicable law.
You agree that these Terms constitute the agreement between you and us, and that the laws of the State of New York shall govern the construction, interpretation, and enforcement of these Terms, as well as any dispute, claim, or controversy arising out of or relating to these Terms, the Website, the Website Promotions, the Website Services, or the Content, without regard to its conflict-of-laws principles or rules that would cause the application of the laws of any other jurisdiction.
Subject to the Binding Arbitration Agreement and Class Action Waiver set forth in Section 12, any dispute, claim, or controversy that is not resolved by arbitration and proceeds in a state or federal court shall be brought and adjudicated exclusively in a state or federal court of competent jurisdiction located in the State of New York. You expressly consent and submit to the exclusive personal jurisdiction of such courts and irrevocably waive, to the fullest extent permitted by applicable law, any and all defenses or objections that you may have based on lack of personal jurisdiction, improper venue, or forum non conveniens with respect to any such proceeding.
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, these Terms 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 the American Arbitration Association in New York, New York, in accordance with the then-current Commercial Arbitration Rules of the American Arbitration Association, unless the parties mutually agree upon an alternative arbitration organization; 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 the American Arbitration Association, in your county of residence, unless the parties mutually agree upon an alternative arbitration organization, by filing a separate Demand for Arbitration by contacting us at Info@BenefitsAccessCenter.com. If the arbitrator awards you relief that is greater than our Final Settlement Offer, then we will pay all filing, administration and arbitrator fees associated with the arbitration and, if you retained an attorney to represent you in connection with the arbitration, we will reimburse any reasonable attorneys’ fees that you incurred for investigating, preparing and pursuing the claim in arbitration.
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 BAC 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. Each party shall bear its own attorney’s fees. You agree to pay the reasonable attorney’s fees and court costs that BAC and Marketing Partners incur in connection with any dispute over the enforceability of this class action waiver, except as otherwise ordered by a court of competent jurisdiction. 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 register on the Website, sent to Benefits Access Center LLC at 68 White St, #7-291, Red Bank, NJ 07701 or Info@BenefitsAccessCenter.com.
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 or other third parties. These links are provided solely for your convenience and reference. BAC does not control, and is not responsible for, the content, accuracy, availability, privacy practices, data collection or use practices, or security of any such third-party websites, and BAC expressly disclaims any and all responsibility and liability arising from or relating to your access to, use of, or reliance upon such third-party websites. The inclusion of any link on the Website does not constitute or imply any endorsement, sponsorship, recommendation, approval, investigation, verification, or monitoring by BAC of the third-party website or of any content, products, services, advertising, or other materials made available on or through such third-party website.
Your access to and use of any third-party website is undertaken at your own risk and is subject to the terms of use, terms and conditions, and privacy policies of the applicable third party. BAC strongly encourages you to review the terms of use and privacy policy of any third-party website before providing any personal information to, or otherwise interacting with, such third-party website. Any dealings, correspondence, transactions, or other interactions between you and any third party accessed through the Website, including the payment for and delivery of any related goods or services, are solely between you and such third party, and BAC shall have no responsibility or liability for any loss, damage, claim, or dispute of any kind incurred as a result of any such dealings or as a result of the presence of links to such third-party websites on the Website.
These Terms constitute the entire agreement between you and us in connection with your use of the Website, Website Promotions, and Website Services and supersede all prior agreements between the parties regarding the subject matter contained herein. If any provision of these Terms is found invalid or unenforceable, that provision shall be enforced to the maximum extent possible, and the other provisions contained herein shall remain in full force and effect. No failure of either party to exercise or enforce any of its rights under these Terms shall act as a waiver of such rights.
If you violate these Terms, or otherwise create legal exposure or risk for us, we will stop providing all or part of the Website, Website Promotions, and Website Services to you. 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. If you delete your account, all access to the Website, Website Promotions, and Website Services will be terminated.
The following sections shall survive any termination or expiration of these Terms or your use of the Website: Mandatory Arbitration & Waiver of Right to Class Action; Fraudulent Activity & Security; Intellectual Property Rights; Privacy; Indemnification; Disclaimer of Warranties; Limitation of Liability; Governing Law; Binding Arbitration Agreement and Class Action Waiver; and General Provisions.
YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THESE TERMS AND OUR PRIVACY POLICY AND EXPRESSLY AGREE TO AND CONSENT TO BE BOUND BY ALL OF THE TERMS CONTAINED HEREIN AND THEREIN. THESE TERMS 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 AND FOLLOWING THE EFFECTIVE DATE OF SUCH AMENDMENTS SHALL CONSTITUTE YOUR ACCEPTANCE OF THE MOST CURRENT VERSION OF THESE TERMS AND CONDITIONS AND THE AMENDMENT OF THESE TERMS TO INCORPORATE SUCH AMENDED TERMS AND CONDITIONS.
The Website is owned and operated by Benefits Access Center LLC. All notices, inquiries, requests, or other communications relating to these Terms, the Website, the Website Promotions, or the Website Services, including without limitation any opt-out notice, Initial Dispute Notice, or other communication required or permitted hereunder, shall be directed to BAC at the addresses set forth below:
Benefits Access Center LLC
68 White St, #7-291, Red Bank, NJ 07701
Info@BenefitsAccessCenter.com
Notices submitted by electronic mail shall be deemed delivered on the date transmitted, provided that the sender does not receive a delivery failure notification. Notices sent by postal mail shall be deemed delivered upon actual receipt by BAC at the address listed above. BAC may update the contact information set forth in this Section from time to time by posting revised contact information on the Website, and any such update shall be effective immediately upon posting.