PAKG Benefits Website Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the PAKG Benefits website.

By accessing or using the website, you acknowledge these Terms. If you do not agree with them, do not use the website.

Website Purpose

The website provides general information about PAKG Benefits, employee benefits, insurance strategies, benefits administration, employee experience, and related topics.

Website content is provided for general informational and educational purposes only.

No Insurance Coverage Is Bound Through the Website

Nothing on this website:

• binds, amends, extends, replaces, or cancels insurance coverage;
• constitutes an insurance binder;
• guarantees eligibility for any insurance product;
• guarantees issuance or renewal of any policy;
• guarantees a particular premium, rate, benefit, claim outcome, reimbursement, cost reduction, or savings;
• modifies the terms of an insurance policy, certificate, contract, plan document, summary plan description, or carrier agreement; or
• creates coverage where coverage does not otherwise exist.

Coverage is governed exclusively by the applicable policy, certificate, plan document, carrier contract, and applicable law.

If website content conflicts with an insurance policy, plan document, carrier document, or other controlling contract, the controlling document governs.

No Brokerage Relationship Created by Website Use

Visiting this website, completing an assessment, submitting a contact form, sending an email, or speaking with PAKG about a preliminary inquiry does not by itself create a broker-client, consultant-client, fiduciary, advisory, or other professional relationship.

A professional relationship arises only when PAKG and the appropriate client enter into the applicable engagement, appointment, broker-of-record arrangement, or other agreement required for the services involved.

No Legal, Tax, Accounting, Medical, or Investment Advice

Website content does not constitute legal, tax, accounting, financial, investment, or medical advice.

Employers and individuals should consult qualified professionals concerning issues within those professionals' areas of expertise.

References to laws, regulations, tax treatment, insurance practices, market conditions, carrier practices, or benefit-plan requirements are general in nature and may change.

Insurance Availability

Insurance products, plan designs, carrier availability, funding arrangements, eligibility requirements, pricing, and services vary by jurisdiction and circumstance.

Nothing on the website constitutes an offer to sell, solicitation, recommendation, or representation concerning an insurance product in a jurisdiction in which the relevant activity would not be legally permitted.

Services may be provided only where PAKG and the relevant individuals or entities possess any licenses, appointments, registrations, or authority required by applicable law.

No Guarantee of Results

PAKG may discuss strategies intended to manage costs, improve employee understanding, address administrative problems, or improve the benefits experience.

Actual results depend on circumstances outside PAKG's control, including:

• employee demographics;
• claims;
• utilization;
• carrier underwriting;
• provider charges;
• prescription costs;
• plan design;
• market conditions;
• regulatory developments;
• employer decisions; and
• carrier or vendor performance.

Past outcomes, examples, illustrations, case discussions, or general strategies do not guarantee future results.

Benefits Assessment

The online Benefits Assessment is a general educational tool.

It is based solely on the responses supplied by the user and is not a comprehensive evaluation of an employer's benefits program.

The assessment does not:

• price insurance;
• evaluate individual health risks;
• provide actuarial analysis;
• constitute underwriting;
• replace review of actual plan, census, claims, renewal, financial, or utilization data; or
• constitute professional advice.

Website Content

We attempt to provide useful and accurate information, but insurance markets, laws, carrier practices, healthcare costs, regulations, and other information change frequently.

PAKG does not represent that every item of website content is complete, current, or error-free.

We may modify, remove, update, or discontinue website content at any time.

Insights and Articles

Articles and Insights reflect general commentary and information available when they are published.

They may include opinions, estimates, interpretations, third-party research, market observations, or discussion of changing laws and industry practices.

They should not be relied upon as a substitute for analysis of an employer's specific circumstances.

Third-Party Information and Links

The website may discuss or link to insurers, benefit platforms, vendors, government agencies, reports, research, or other third parties.

A reference or link does not necessarily constitute endorsement.

PAKG does not control third-party websites and is not responsible for their availability, accuracy, privacy practices, security, products, services, or content.

Use of third-party services is subject to the third party's own terms.

Intellectual Property

Unless otherwise stated, the website and its content, including text, design, graphics, logos, photographs, icons, software, page layouts, and other materials, are owned by or licensed to PAKG and are protected by applicable intellectual property laws.

You may view and print reasonable portions of the website for your own lawful internal business or informational use.

You may not, without prior written permission:

• reproduce substantial portions of the website;
• republish or commercially distribute its content;
• modify or create derivative works from protected content;
• remove copyright, trademark, or proprietary notices;
• use automated means to scrape or systematically extract website content;
• frame or mirror the website;
• impersonate PAKG;
• use PAKG's marks in a manner likely to create confusion; or
• use website content for unlawful or misleading purposes.

Acceptable Use

You may not use the website to:

• violate law;
• transmit malware or malicious code;
• interfere with website operation or security;
• attempt unauthorized access to systems or data;
• harvest information about other users;
• submit false, fraudulent, defamatory, unlawful, or abusive material;
• impersonate another person or organization;
• test vulnerabilities without authorization; or
• use automated systems in a manner that places unreasonable load on the website.

Information You Submit

You represent that information you submit through the website is information you are authorized to provide.

Do not send confidential employee files, Social Security numbers, medical records, claims documentation, diagnoses, account passwords, or other highly sensitive information through the website's general forms.

When you submit an inquiry, you authorize PAKG and its service providers to process that information as reasonably necessary to respond to you and operate the website, subject to our Privacy Policy.

Privacy

Our collection and use of personal information through the website is described in our Privacy Policy.

Website Availability

We may modify, suspend, limit, or discontinue all or part of the website without notice.

We do not guarantee uninterrupted availability or that the website will be free from errors, vulnerabilities, viruses, or other harmful components.

DISCLAIMER OF WARRANTIES

TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

PAKG DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND SECURITY.

Some jurisdictions do not permit exclusion of certain warranties, so portions of this provision may not apply to you.

LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW, PAKG AND ITS OWNERS, OFFICERS, EMPLOYEES, REPRESENTATIVES, AGENTS, AFFILIATES, CONTRACTORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES, LOSS OF PROFITS, LOSS OF DATA, LOSS OF BUSINESS, LOSS OF GOODWILL, OR OTHER SIMILAR LOSSES ARISING FROM OR RELATED TO USE OF OR INABILITY TO USE THE WEBSITE.

TO THE FULLEST EXTENT PERMITTED BY LAW, PAKG'S AGGREGATE LIABILITY ARISING FROM OR RELATING SOLELY TO YOUR USE OF THIS PUBLIC WEBSITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).

These limitations do not apply to liability that cannot lawfully be limited or excluded.

Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless PAKG and its owners, officers, employees, representatives, agents, and affiliates from claims, losses, liabilities, damages, costs, and expenses arising from your unlawful use of the website, your violation of these Terms, or your infringement of another person's rights.

Governing Law

These Terms are governed by the laws of the State of Arizona, without regard to conflict-of-laws principles, except to the extent federal law or another law is mandatorily applicable.

Subject to applicable law, any dispute arising solely from use of this website will be brought in the appropriate state or federal courts located in Maricopa County, Arizona, and you consent to their jurisdiction.

Severability

If any provision of these Terms is determined to be unenforceable, that provision will be enforced to the maximum extent permitted and the remaining provisions will continue in effect.

No Waiver

Failure to enforce a provision of these Terms does not waive our right to enforce it later.

Changes

We may revise these Terms from time to time.

Continued use of the website after revised Terms are posted constitutes use of the website subject to the then-current Terms, to the extent permitted by law.

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