ScoreMyBenefits Terms of Service

Welcome to ScoreMyBenefits. These Terms of Service ("Terms") govern your access to and use of the ScoreMyBenefits platform, including its analysis tools, document-processing features, and advisor workspaces (together, the "Service"). Please read them carefully.

By creating an account, accepting an invitation, or using the Service, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.

1. The Service

ScoreMyBenefits is a decision-support platform for licensed employee-benefits professionals ("Advisors"). The Service analyzes employer-sponsored, plan-level benefits information — entered directly or extracted from uploaded documents — and produces scores, benchmarking, cost analysis, opportunity recommendations, and related reports.

The Service provides analytical decision support only. It does not:

• provide an insurance quote, bind coverage, or make any coverage decision;
• provide legal, actuarial, medical, or tax advice; or
• replace your professional judgment.

You remain solely responsible for the advice and recommendations you give your clients. Analyses, projections, and estimated savings produced by the Service are illustrative models based on the information provided and on industry benchmarks; they are not guarantees, actuarial certifications, or promises of results.

2. Accounts, Organizations, and Access

Invitation-only access. Access to the Service is currently by invitation. Public self-registration is not available.

Accounts. You must provide accurate registration information and keep your credentials confidential. You are responsible for activity under your account.

Organizations. The Service is organized around organizations ("Organizations"). The person who creates an Organization is its owner and may invite, manage, deactivate, and reactivate team members, subject to seat limits. Each Organization's data is separated from other Organizations' data.

Your customer relationship. The Advisor or advisory firm that creates the Organization is the customer and contracting party under these Terms. Your employer clients are not parties to these Terms, do not need accounts, and, in the standard workflow, do not interact with the Service directly.

3. Your Representations

By using the Service, and each time you upload a document, you represent that:

1. you are authorized to submit the information and documents you provide in connection with your advisory services, and you hold the rights necessary to use them for this purpose;
2. you will submit only supported content as described in Section 4, and you will not upload member-level claims data, individual claimant or diagnosis detail, medical records, identifiable census files, or any individually identifiable health information;
3. you understand the Service provides analytical decision support only and does not replace your professional judgment; and
4. you acknowledge that ScoreMyBenefits relies on these representations in determining how the content you submit is processed.

4. Supported Data and Acceptable Use

The rule is content-based. The Service is designed to analyze aggregate, plan-level, and employer-level benefits information — for example, Form 5500 filings, Summaries of Benefits and Coverage, renewal packages, aggregate claims summaries, stewardship and performance reports, and benefit summaries. "Aggregate" means information that does not identify, and does not reasonably permit the identification of, an individual plan participant, and that is presented only at the employer or plan level (totals, averages, rates, or counts).

Not supported — do not upload: member-level claims reports; individual claimant reports or detail; medical records or explanations of benefits; individual diagnoses, procedure or diagnosis codes, or dates of service; census files containing identifiable employee information (such as names, dates of birth, Social Security numbers, or member IDs); or any other individually identifiable health information. A supported document type may still contain unsupported content (for example, a claimant appendix inside a renewal package); the restriction applies to the content.

If unsupported content is submitted. The Service is not designed to receive individually identifiable health information, and you are instructed not to submit it. We make no absolute claim that such information can never reach the Service; instead, if unsupported content is identified, it is handled under our documented data-handling and exception procedures, which include stopping work with the document, technical screening that is designed to prevent such content from being transmitted to third-party AI services, deletion of stored copies, and notice to you.

Acceptable use. You will not: misuse or interfere with the Service; attempt unauthorized access; use the Service to build or benchmark a competing product; use automated means (including agents, robots, scripts, or spiders) to access, monitor, data-mine, scrape, or extract data beyond normal use; or share credentials. You may not access or use the Service if you are a direct competitor, except with our prior written consent, and you may not access or use the Service for purposes of monitoring its availability, performance, or functionality, or for any other benchmarking or competitive purpose. Repeated submission of unsupported or prohibited content may result in suspension or termination of access.

5. Documents, Processing, and Storage

Processing. Uploaded documents are parsed and analyzed to extract plan-level values. Processing uses automated extraction, which may include AI-assisted extraction as described in Section 6. Extracted values feed the Service's scoring and analysis features.

Storage. What is retained depends on the feature you use. Some analysis features process documents transiently and retain nothing; others retain the document and/or its extracted values as part of your Organization's records. Certain data you enter in the calculator is stored locally in your browser until you save an analysis. Details are described in the Privacy Policy.

Optional research retention. Where you (or an operator assisting you) expressly consent, a submitted document and its extracted data may be retained separately for product development and validation. This retention occurs only with that consent.

Deletion. You may request deletion of your Organization's data as described in the Privacy Policy.

6. AI-Assisted Processing

Certain features use third-party artificial-intelligence services to read uploaded documents — locating and extracting printed plan-level values from varied document layouts. When these features run, the text of the submitted document is transmitted to our AI service provider for that purpose.

Safeguards we apply to this processing:

• All AI transmissions pass through a single control point that runs an automated screen for member-level identifiers (such as Social Security number patterns, date-of-birth labels, member-identifier fields, and diagnosis-code markers) and is designed to block transmission when such markers are detected. This screening is an automated safety measure, not a guarantee; it is one layer alongside the content restrictions in Section 4.
• The AI service is instructed to locate and read values printed in the document, not to generate content or perform calculations; the Service's computations are performed by our own deterministic systems.

Our AI service provider is identified in the Privacy Policy. AI-assisted extraction assists, and does not replace, your review: extracted values are presented for your confirmation where the workflow calls for it.

7. Design-Partner Pilot

The Service is currently offered as a limited, invitation-only design-partner pilot. During the pilot: features may change, be added, or be removed; availability is not guaranteed; and we may suspend or end the pilot or your participation at any time. You agree that we may contact you for feedback and that we may use feedback you provide to improve the Service without obligation or compensation. At the end of your participation, you may request deletion of your Organization's data as described in the Privacy Policy.

8. Intellectual Property

8.1 Proprietary Technology. The Service — including its scoring algorithms, methodology, benchmarking system, extraction and recommendation engines, and software (the "Proprietary Technology") — is the exclusive property of ScoreMyBenefits and is protected by copyright, trade-secret, and other intellectual-property laws.

8.2 Restrictions. You will not, and will not permit any third party to: reverse engineer, decompile, or otherwise attempt to derive the source code or underlying methodologies of the Proprietary Technology; modify or create derivative works of it; copy, rent, lease, distribute, pledge, assign, or otherwise transfer or encumber rights to it; use it for timesharing or service-bureau purposes or for any purpose other than your own internal business use; remove proprietary notices; use it to build a competitive product or for competitive analysis; publish benchmarks or performance analyses of it; or circumvent usage limits or restrictions.

8.3 Your data and the outputs. As between you and ScoreMyBenefits, you own the data and documents you submit. The format, structure, and presentation of reports and analyses generated by the Service remain the property of ScoreMyBenefits; you are granted a limited license to use those outputs for your internal business purposes and in your advisory work with the employer client to which they relate.

8.4 White-Label and Partner Restrictions. If you access or use the Service under a white-label or partner agreement, you are expressly prohibited from: creating a competing product based on the ScoreMyBenefits methodology during the term of your agreement and for a period of two (2) years thereafter; using data collected through the Service to develop similar algorithms or methodologies; sharing access credentials or providing unauthorized access to the Service's administrative functions; and representing the Service as your own proprietary technology.

9. Confidentiality

"Confidential Information" includes the Proprietary Technology, non-public business information, scoring methodologies, algorithms, and benchmarking data, and any information that is designated confidential or that reasonably should be understood to be confidential. You agree to protect Confidential Information with at least reasonable care, not to disclose it except as permitted by these Terms, and to use it only to use the Service as permitted. Breach of these obligations may cause irreparable harm for which ScoreMyBenefits is entitled to injunctive relief in addition to other remedies.

10. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. ScoreMyBenefits does not warrant that the Service will be uninterrupted or error-free, that defects will be corrected, or that the Service is free of viruses or other harmful components. Analyses and recommendations depend on the accuracy and completeness of the information provided and on third-party benchmark data whose accuracy we cannot guarantee. Outputs are for informational purposes only and are not financial, legal, actuarial, medical, or tax advice.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SCOREMYBENEFITS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, USE, OR GOODWILL, RESULTING FROM: your access to, use of, or inability to use the Service; any conduct or content of any third party; any decision made or action taken by you or any third party in reliance on the Service's outputs; or unauthorized access to or alteration of your content.

12. Indemnification and Legal Remedies

12.1 Indemnification. You agree to defend, indemnify, and hold harmless ScoreMyBenefits, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against claims, liabilities, damages, judgments, awards, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your violation of these Terms, including the representations in Section 3; (b) your submission of content you were not authorized to submit; (c) your use of the Service for unauthorized purposes; (d) your infringement of any intellectual-property right; or (e) your disclosure of Confidential Information.

12.2 Liquidated Damages. You acknowledge that unauthorized use or disclosure of the Proprietary Technology would cause irreparable harm to ScoreMyBenefits. In the event of unauthorized use or disclosure, in addition to any other remedies available at law or in equity, you agree to pay liquidated damages of $50,000 per violation, which you agree represents a reasonable estimate of the damages ScoreMyBenefits would suffer.

12.3 Injunctive Relief. You acknowledge that the Proprietary Technology contains valuable trade secrets and proprietary information of ScoreMyBenefits, and that any actual or threatened breach of Section 8 (Intellectual Property) or Section 9 (Confidentiality) will constitute immediate, irreparable harm for which monetary damages would be an inadequate remedy. In such case, ScoreMyBenefits will be entitled to immediate injunctive relief without the requirement of posting bond, in addition to any other remedies it may have at law or in equity.

13. Suspension and Termination

We may suspend or terminate your access (or your Organization's access) for material breach of these Terms, including repeated submission of unsupported content, misuse of the Service, or nonpayment where fees apply. You may stop using the Service at any time and may request deletion of your Organization's data. Sections that by their nature should survive termination (including Sections 8–12) survive.

14. Changes to the Service and to These Terms

We reserve the right to modify or discontinue, temporarily or permanently, the Service (or any part of it), with or without notice, and we will not be liable to you or to any third party for any modification, suspension, or discontinuance of the Service. We may also revise these Terms. The current version of these Terms, with its version identifier and effective date, is always available on our website. Material changes will be reflected in a new version identifier. Continued use of the Service after a revision becomes effective constitutes acceptance of the revised Terms.

15. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law provisions.

16. Severability

If any provision of these Terms is held invalid or unenforceable, that provision will be struck and the remaining provisions will remain in effect.

17. Contact

Questions about these Terms: contact us through the Contact page linked in the footer of this site. Privacy inquiries: see the Privacy Policy.