Terms of Use
Last updated 14 August 2026
1. What this is
These terms cover your use of benyfix.com and any guide, template, email course, or review service you get from Benyfix, LLC, an Illinois limited liability company — referred to as “Benyfix”, “I” and “me” throughout. Using the site means you accept these terms. If you don't, don't use the site.
2. What Benyfix is — and isn't
Benyfix, LLC is not an insurance broker, agent, or producer. I do not sell insurance and I do not receive commissions on your insurance. Nothing here is an offer to sell you a policy.
I am not your lawyer, your accountant, or your fiduciary. Employee benefits sit on top of federal and state law, and the rules turn on facts specific to your company. What I give you is experienced, practical guidance from thirty years of administering benefit plans. It is education and information, not legal, tax, accounting, or investment advice, and it does not create an attorney-client or fiduciary relationship.
Referrals. I may sometimes introduce you to a broker or another provider. If I receive any compensation for that introduction, I will tell you before you act on it. I never receive commission on your insurance policy itself, and no introduction is ever a condition of working with me.
Verify before you act. Before you make a decision with legal or financial consequences, run it past your broker, your benefits attorney, or your accountant. That's not me covering myself — it's the same advice I'd give a friend.
3. Accuracy
I work hard to keep everything current and correct. Benefits rules change, penalty amounts get adjusted, and filing requirements move. I don't guarantee that everything on this site or in a guide is complete, current, or applicable to your situation, and I'm not liable for decisions you make based on it.
4. The free guides and emails
Free resources are for you and your company to use internally. Print them, mark them up, hand them to your benefits administrator, bring them to your broker. Please don't resell them, publish them, or strip my name off them and present them as your own.
5. Paid services
What you get
Every engagement starts with a free 15-minute call to see whether I can actually help. Nothing is owed for that call.
The Renewal Review is the standard service and costs $500. You send me your plan documents, I review them before we meet, and we spend 45 minutes going through what I found. One fee, no retainer, nothing recurring.
Other work — benefits administration, compliance, plan design — is quoted individually. Any such engagement is agreed in writing, with its own scope and fee, before any work starts and before you pay anything. The terms on this page apply to it in the same way.
What you provide
The review is only as good as what you send me. You're responsible for providing accurate, complete documents. If key documents are missing, my findings will be incomplete, and I can't be responsible for what I never saw.
Payment
Payment is due when you book. Payments are processed by a third-party processor and are subject to their terms.
Refunds
If you cancel before I've begun reviewing your documents, you get a full refund. Once the review is underway the fee is earned, because the work is the review itself. If you're genuinely unhappy with what you got, email me and we'll sort it out — I'd rather fix it than keep money from someone who feels short-changed.
Rescheduling
Give me 24 hours' notice and we'll find another time, no charge. No-shows without notice may forfeit the session.
6. Confidentiality
Documents you send me are confidential. I use them only to perform your review, I don't share them, and I don't discuss your company with anyone. If I ever want to describe a situation publicly as a teaching example, it will be stripped of anything that could identify you.
7. No guaranteed outcome
I can't promise you'll save a specific amount, that your premiums will go down, or that you'll pass an audit. Examples and figures on this site describe what's possible, not what you'll get. Your results depend on your plan, your carrier, your market, and what you actually do with the information.
8. Limitation of liability
To the fullest extent the law allows, Benyfix, LLC is not liable for indirect, incidental, or consequential damages arising from the site, the free resources, or the paid services. Total liability for any claim is limited to the amount you paid me in the twelve months before the claim.
9. Intellectual property
Everything on this site — text, guides, templates, design, the Benyfix name and logo — belongs to Benyfix, LLC. Buying a guide gives you a licence to use it inside your own company, not ownership of it.
10. Third-party links
I sometimes link to other people's sites and tools. I don't control them and I'm not responsible for what they do.
11. Changes
I may update these terms. The date at the top tells you when. Continuing to use the site after a change means you accept it.
12. Governing law
These terms are governed by the laws of the State of Illinois, without regard to its conflict of law rules.