These Terms of Service ("Terms") govern your use of the Restore Benefits LLC website. By using this site, you agree to them. If you do not agree, please do not use the site.

1. Who we are

Restore Benefits LLC ("Restore Benefits," "we," "us," or "our") is an independent insurance agency licensed in NC, SC, GA, FL and surrounding states. We help individuals and families with Medicare, health and supplemental coverage, life insurance and living benefits, final expense and legacy planning, and retirement and annuities.

2. What this website is — and what it is not

Nothing on this site is legal, tax, medical, or investment advice. We are insurance professionals, not attorneys, accountants, or physicians. Talk to the right licensed professional before making a decision that turns on any of those.

3. Accuracy of the information here

We work to keep this site accurate and current. Even so, insurance products, premiums, benefits, carrier availability, and government program rules change — sometimes several times a year, and sometimes without notice. Plan details described here may be out of date by the time you read them. Always confirm current terms with us or directly with the carrier before you rely on anything. We make no warranty that the site is error-free or complete.

4. Carriers and independence

We are an independent agency. We are not owned by, employed by, or endorsed by any insurance carrier, and we are not connected with or endorsed by the United States government, the federal Medicare program, or any state agency. We do not offer every plan available in your area. Any carrier names or logos that appear on this site belong to those carriers.

For information on all of your options, contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Assistance Program (SHIP).

5. Contacting us through this site

When you submit the contact form, you are asking us to get in touch with you. Submitting the form does not create an agent-client relationship, does not bind coverage, and does not obligate either of us to anything.

By submitting the form you agree to receive automated marketing and informational text messages and phone calls from Restore Benefits LLC at the phone number you provided. Consent is not a condition of any purchase. Message and data rates may apply. Reply STOP at any time to opt out. Full detail is in our Privacy Policy.

You agree that the information you give us is truthful, that it is your own or that you are authorized to provide it, and that you will not use our forms to send unlawful, abusive, or misleading content.

6. Acceptable use

You agree not to:

• Use the site for any unlawful purpose or in violation of these Terms
• Attempt to gain unauthorized access to the site, its servers, or any connected system
• Interfere with the site's operation, including through automated scraping, bulk form submissions, or denial-of-service activity
• Impersonate another person or misrepresent your affiliation with anyone
• Copy, reproduce, or redistribute our content for commercial use without our written permission

7. Intellectual property

The content on this site — text, images, graphics, the Restore Benefits name and logo, and the arrangement of it all — is owned by Restore Benefits LLC or used with permission, and is protected by copyright and trademark law. You may view and print pages for your own personal, non-commercial use. Everything else requires our written permission.

8. Third-party links

This site links to carrier websites, Medicare.gov, and other outside resources, and embeds video hosted by YouTube. We do not control those sites and are not responsible for their content, accuracy, or privacy practices. A link is not an endorsement.

9. Disclaimer of warranties

The site is provided "as is" and "as available," without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the site will be uninterrupted, timely, secure, or free of errors.

10. Limitation of liability

To the fullest extent permitted by law, Restore Benefits LLC and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising out of your use of — or inability to use — this website, even if we have been advised that such damages are possible. Nothing in these Terms limits any liability that cannot lawfully be limited.

This limitation concerns the website. It does not alter the duties we owe you as a licensed insurance agency, or the terms of any policy issued to you by a carrier.

11. Indemnification

You agree to indemnify and hold harmless Restore Benefits LLC from any claim, loss, or expense (including reasonable attorneys' fees) arising from your misuse of this website or your violation of these Terms.

12. Privacy

Your use of the site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

13. Changes to these Terms

We may update these Terms at any time. When we do, we will change the effective date at the top of this page. Continuing to use the site after an update means you accept the revised Terms.

14. Governing law

These Terms are governed by the laws of the State of [PLACEHOLDER — governing state to be confirmed; North Carolina assumed], without regard to its conflict-of-law rules. Any dispute arising out of these Terms or your use of this site will be brought in the state or federal courts located in that state, and you consent to that jurisdiction.

15. Severability and entire agreement

If any part of these Terms is found unenforceable, the rest stays in force. These Terms, together with our Privacy Policy, are the entire agreement between you and Restore Benefits LLC regarding this website. Our failure to enforce any provision is not a waiver of it.

16. How to contact us

We are licensed in NC, SC, GA, FL and surrounding states.