Terms of use

Acceptance of terms

By accessing or using tmrwbenefits.com, you agree to these terms. If you don't agree, please don't use the site.

About TMRW Benefits

TMRW Benefits is a licensed insurance brokerage based in the New York metro area. The site provides general information about insurance products, services, and partnerships. The site is not an offer to sell insurance, and information here does not constitute insurance advice.

Not legal, tax, or medical advice

Content on tmrwbenefits.com is for general informational purposes. It is not legal, tax, medical, or professional advice. For advice specific to your situation, consult a licensed attorney, CPA, or healthcare provider.

Accuracy of information

We work to keep information accurate and current — particularly for regulatory rates (ICHRA affordability thresholds, ESR penalties, Form 5500 deadlines) — and review content annually for the current plan year. However, regulations and rates change. Always verify current-year specifics with the relevant regulator (IRS, DOL, CMS, your state DOI) before acting.

Use of the site

You agree to:

• Use the site for lawful purposes only
• Not attempt to access non-public areas of the site or our systems
• Not transmit malware, scrape content for commercial use without permission, or automate use of the site beyond reasonable browsing

Intellectual property

Content on the site (text, graphics, logos, designs) is owned by or licensed to TMRW Benefits. You may view and share content for personal, non-commercial use with attribution, but you may not republish or redistribute it without permission.

Third-party links

The site links to third-party sites (carrier sites, regulatory sites, the broker portal at brokerexchanges.com). TMRW Benefits is not responsible for the content, privacy practices, or actions of those sites.

Disclaimers

The site is provided "as is." TMRW Benefits makes no warranties, express or implied, about the accuracy, reliability, or availability of the site or its content. To the fullest extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of liability

To the fullest extent permitted by law, TMRW Benefits is not liable for any indirect, incidental, consequential, special, or punitive damages arising out of your use of (or inability to use) the site, even if we've been advised of the possibility of such damages. This does not affect your rights with respect to insurance coverage purchased through us, which are governed by the underlying insurance policy and applicable law.

Governing law

These terms are governed by the laws of the State of New York, without regard to conflict-of-laws principles. Any dispute arising from these terms or your use of the site is subject to the exclusive jurisdiction of the state and federal courts located in New York.

Changes to these terms

We may update these terms from time to time. The "last updated" date at the top reflects the most recent revision. Continued use of the site after changes means you accept the revised terms.

Contact

Questions about these terms: jesse@tmrwbenefits.com or 646-634-0799.