Terms of Service
Effective Date: July 28, 2023
These Terms of Service (“Terms”) govern your use of fusionbenefitsgroup.com, operated by Fusion Benefits Group (“Fusion Benefits Group,” “FBG,” “we,” “us,” or “our”). By accessing or using this website, you agree to these Terms. If you do not agree, please do not use the website.
Website Information
The information provided on this website is for general educational and informational purposes. It is not intended to constitute legal, tax, accounting, medical, or financial advice. You should consult an appropriately qualified professional regarding your specific circumstances.
Insurance Products and Services
Insurance products and services are subject to applicable laws, carrier requirements, underwriting, eligibility rules, policy terms, exclusions, limitations, and availability. Products and services may not be available in every state or to every individual or business.
Descriptions appearing on this website are general summaries and are not complete statements of coverage. The terms of an issued insurance policy, certificate, plan document, or carrier contract will control if there is any difference between those documents and information presented on this website.
No Insurance Coverage Is Created
Using this website, submitting a form, scheduling an appointment, requesting information, or communicating with Fusion Benefits Group does not create, bind, modify, or guarantee insurance coverage.
Coverage is not effective unless and until all required applications, documentation, underwriting, enrollment, carrier approval, and premium requirements have been completed and the coverage has been confirmed by the applicable insurance carrier or authorized party.
Quotes and Estimates
Any rates, quotes, contribution examples, benefit illustrations, or cost estimates are preliminary unless otherwise stated. Final rates and coverage are determined by the applicable carrier or provider and may change based on eligibility, underwriting, enrollment information, effective date, plan selection, or other relevant factors.
Appointments and Communications
Scheduling an appointment does not guarantee eligibility, coverage, a particular rate, or the availability of any specific insurance product. You are responsible for providing accurate and complete information and for meeting applicable enrollment and submission deadlines.
Website Accuracy
We make reasonable efforts to keep website information accurate and current, but insurance products, laws, regulations, carrier offerings, and benefit requirements may change. We do not guarantee that all website content will always be complete, current, or error-free.
Third-Party Services and Links
This website may include links to insurance carriers, scheduling systems, benefit platforms, government resources, or other third-party websites and services. Fusion Benefits Group does not control and is not responsible for the content, availability, security, or privacy practices of those third parties. Accessing third-party services is at your discretion and may be subject to separate terms and policies.
Permitted Use
You may use this website only for lawful purposes. You may not attempt to interfere with the website’s operation, gain unauthorized access to its systems, transmit malicious code, misuse forms, impersonate another person, or use website content in a misleading or unlawful manner.
Intellectual Property
Unless otherwise stated, the website’s branding, logo, design, written content, downloadable materials, and other original content are owned by or licensed to Fusion Benefits Group. You may use downloadable resources for personal or internal business reference. You may not reproduce, sell, modify, or distribute website content for commercial purposes without prior written permission.
Disclaimer of Warranties
This website and its content are provided on an “as available” basis. To the extent permitted by law, Fusion Benefits Group disclaims warranties regarding the website’s uninterrupted availability, accuracy, completeness, security, or suitability for a particular purpose.
Limitation of Liability
To the extent permitted by law, Fusion Benefits Group will not be liable for indirect, incidental, special, or consequential damages arising from the use of, inability to use, or reliance upon this website or its content. Nothing in these Terms limits liability that cannot lawfully be limited or excluded.
Privacy
Your use of this website is also subject to our Privacy Policy, which explains how information submitted through the website may be collected and used.
Governing Law
These Terms are governed by the laws of the State of Missouri, without regard to conflict-of-law principles. Any dispute relating to these Terms or this website will be subject to the jurisdiction of the appropriate courts located in Missouri, unless applicable law requires otherwise.
Changes to These Terms
We may update these Terms periodically. Updated Terms will be posted on this page with a revised effective date. Continued use of the website after changes are posted constitutes acceptance of the updated Terms.
Contact Us:
Questions about these Terms may be directed to:
Fusion Benefits Group
2409 W Ash St
Columbia, MO 65203
573-255-1950
outreach@fusionbenefitsgroup.com