TotalCare Benefit Group
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Terms of Service

Last updated: June 23, 2026

Welcome to the TotalCare Benefit Group website. By accessing or using this website, you agree to these Terms of Service. If you do not agree, please do not use our website.

About Our Services

TotalCare Benefit Group is an independent insurance agency. We provide information about insurance products and help connect individuals and businesses with licensed insurance professionals and carriers. We are not an insurance company. Policies are issued, underwritten, and serviced by third-party insurance carriers subject to their terms and conditions.

No payment processing: This website does not process insurance premium payments. Any premiums or policy payments are made directly to the applicable insurance carrier or through authorized channels they provide.

Eligibility and Accurate Information

You agree to provide accurate, current, and complete information when submitting forms, booking appointments, or communicating with us. You must be at least 18 years old to use our services, or have permission from a parent or legal guardian where applicable.

Website Use

You agree not to:

  • Use the website for unlawful, fraudulent, or abusive purposes
  • Submit false, misleading, or spam inquiries
  • Attempt to gain unauthorized access to our systems or data
  • Scrape, copy, or misuse website content without permission
  • Interfere with the proper functioning of the website

Lead Forms and Communications

By submitting a contact form, lead form, or appointment request, you consent to being contacted by TotalCare Benefit Group by phone, email, or text at the contact information you provide, regarding your insurance inquiry. Message and data rates may apply for text messages. You may opt out of marketing communications at any time.

Submitting a form does not guarantee coverage, bind insurance, or create an agency-client relationship until confirmed by a licensed agent and applicable carrier requirements are met.

Appointments

Appointment availability is subject to change. We reserve the right to reschedule or cancel appointments due to conflicts, emergencies, or other business needs. You are responsible for providing accurate contact details so we can confirm or update your appointment.

No Professional or Legal Advice

Content on this website is for general informational purposes only. It does not constitute legal, tax, or financial advice. Insurance needs vary by individual. You should consult with a licensed insurance professional and review official policy documents before making coverage decisions.

Intellectual Property

The website and its content, including text, graphics, logos, and design, are owned by or licensed to TotalCare Benefit Group and protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

Third-Party Services and Links

Our website may link to third-party websites or integrate third-party services (such as calendar or email providers). We are not responsible for the content, policies, or practices of third parties.

Disclaimer of Warranties

This website is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components.

Limitation of Liability

To the fullest extent permitted by law, TotalCare Benefit Group and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the website or reliance on its content, even if advised of the possibility of such damages.

Indemnification

You agree to indemnify and hold harmless TotalCare Benefit Groupfrom claims, damages, losses, and expenses (including reasonable attorneys' fees) arising from your misuse of the website or violation of these Terms.

Governing Law

These Terms are governed by the laws of the State of , without regard to conflict-of-law principles. Any disputes shall be brought in the courts located in that state, unless otherwise required by applicable law.

Changes to These Terms

We may update these Terms of Service at any time. Changes are effective when posted on this page with an updated "Last updated" date. Your continued use of the website constitutes acceptance of the revised Terms.

Contact Us

Questions about these Terms of Service? Contact us:

See also our Privacy Policy.

Questions? Contact us.