Terms of Service

Last Updated: May 1, 2024

These Terms of Service ("Terms") govern your access to and use of the website located at www.denalibenefits.com ("Website") provided by Denali Benefits, Inc. ("Denali," "we," "us," "our"). Please read these Terms carefully, as using the Website indicates your agreement to be bound by them.

1. Scope of Services

Denali Benefits is an insurance brokerage firm specializing in employee benefits, Medicare plans, and health insurance. The Website provides information about our services, educational resources, and tools for obtaining quotes or exploring insurance options. We are not an insurance carrier. We act as an intermediary to help you find and secure insurance coverage.

2. Use of the Website

You must be at least 18 years old and legally able to enter into contracts. You agree to provide accurate information when using the Website, including during quote requests or interactions with our representatives. The Website is for personal, non-commercial use. You may not use it for unauthorized purposes, including distributing harmful code (viruses, malware, etc.), impersonating others, violating intellectual property rights, spamming, or similar unsolicited communications.

3. Intellectual Property

The content of the Website (text, images, logos, design, etc.) is owned by Denali Benefits or its licensors and is protected by copyright, trademark, and other laws. You may not reproduce, modify, or distribute Website content without our express written permission.

4. Quotes and Insurance Policies

Quotes provided through the Website are estimates. Final premiums and coverage availability are determined by the insurance carrier. You are responsible for carefully reviewing and understanding the terms of any insurance policy you obtain, including coverage, limitations, and exclusions.

5. User Submissions

You are responsible for any content you submit to the Website (e.g., reviews, comments). You grant Denali Benefits a non-exclusive, worldwide, royalty-free license to use, reproduce, and distribute your submissions to improve our services. You agree not to submit illegal, harmful, defamatory, discriminatory, or otherwise objectionable content.

6. Privacy Policy

Please see our Privacy Policy, which explains how we collect, use, and protect your personal information.

7. Disclaimer of Warranties

THE WEBSITE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO GUARANTEE THAT THE WEBSITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

8. Limitation of Liability

IN NO EVENT SHALL DENALI BENEFITS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF YOUR USE OF THE WEBSITE. OUR MAXIMUM LIABILITY IS LIMITED TO THE AMOUNT OF ANY FEES YOU PAY TO US FOR SERVICES.

9. Indemnification

You agree to indemnify and hold Denali Benefits harmless from any claims, losses, or expenses arising from your breach of these Terms or your misuse of the Website.

10. Changes to the Terms of Service

We reserve the right to modify these Terms at any time, effective upon posting on the Website. Your continued use constitutes acceptance of the updated Terms.

11. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the State of Washington.

12. Dispute Resolution

Any disputes arising from these Terms shall first be attempted to be resolved through good faith negotiation. If unsuccessful, any further action shall be brought in the courts located in Tacoma, Washington.

13. Contact Information

If you have questions about these Terms, please contact us at service@denalibenefits.com.