Terms of Use

1. Acceptance

By accessing the Site, submitting a contact form, or otherwise interacting with us through the Site, you agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Site.

2. Use of the Site

You agree to use the Site only for lawful purposes and in a manner consistent with these Terms. You will not attempt to interfere with the Site’s operation, scrape or harvest data, impersonate any person or entity, submit information you are not authorized to submit, or use the Site to harass or defraud any person.

3. Insurance Information & Disclaimers

The Site is provided for informational and marketing purposes only and does not constitute an offer of insurance, a binding insurance quote, or a guarantee of coverage. All insurance products are subject to underwriting, eligibility, and the actual terms of the issued policy. Coverage details, benefits, limitations, and exclusions are determined by the individual policy issued by the carrier.

Information on the Site may be general in nature, may not apply to your specific situation, and is not a substitute for professional advice tailored to your circumstances.

4. Producer Relationship

BK Benefits Consultants is a Missouri-licensed insurance entity producer (License #3004163368 · NPN 21307422). We market insurance products and direct inquiries to licensed individual insurance producers; coverage decisions and policy placement are handled by those producers, who are appointed with carriers through their respective contracted agencies. Our principal producer is appointed through Compass Health Consultants. The producer who works your inquiry is bound by their own licensing, compensation, and compliance obligations.

5. Compensation Disclosure

Licensed insurance producers receive commission compensation from insurance carriers on policies they place. BK Benefits Consultants does not hold carrier appointments and does not directly receive carrier commissions on policies placed; BK Benefits Consultants may receive compensation through marketing and referral arrangements with producers and other partners.

6. Communications & Consent (TCPA)

When you submit a contact form, you provide consent for BK Benefits Consultants and any licensed insurance producer assigned to your inquiry to contact you by phone, text message, and email — including by automated means — about insurance products and quotes, on the terms described in the form’s consent disclosure and our Privacy Policy. Consent is not a condition of purchasing any insurance product. Message and data rates may apply. You can opt out of texts at any time by replying STOP, and out of marketing emails using the unsubscribe link in any marketing email. To stop phone contact, email brett@bkbenefits.co.

7. Cookies & Analytics

The Site uses cookies and similar technologies for analytics and advertising measurement (Google Analytics 4 and related Google services). When you first visit the Site we display a cookie notice; you can change your choices at any time using the “Your Privacy Choices” link in the footer. The notice you see and the default cookie state depend on your apparent location and any browser-level Global Privacy Control signal. Full detail — including the categories of cookies, how we choose which notice to show, and how we keep an audit record of your choice — is in Section 6 of our Privacy Policy. Cookie consent is independent of, and does not substitute for, the contact and TCPA consent described in Section 6 below.

8. No Guarantees

We make no guarantee that any particular product or premium will be available to you, that you will be approved by any carrier, or that any particular result — including any savings — will be realized. Carrier underwriting determines eligibility and pricing.

9. Disclaimers of Warranties

THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BK BENEFITS CONSULTANTS, ITS PARENT, OFFICERS, MEMBERS, EMPLOYEES, AGENTS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO YOUR USE OF THE SITE, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).

11. Indemnification

You agree to indemnify and hold harmless BK Benefits Consultants and its parent, officers, members, employees, agents, and affiliates from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from your misuse of the Site, your violation of these Terms, or your violation of any rights of a third party.

12. Intellectual Property

All content on the Site — including text, graphics, layout, logos, and marks — is owned by BK Benefits Consultants or its licensors and is protected by U.S. and international intellectual property laws. You may not copy, modify, distribute, or create derivative works from any of it without our prior written permission, except as expressly permitted by these Terms or applicable law.

13. Third-Party Links

The Site may contain links to third-party websites or resources. We do not endorse and are not responsible for the content, products, services, policies, or practices of any third-party site you visit through a link from the Site.

14. Modifications

We may update these Terms from time to time. When we do, we will revise the “Last updated” date above. Your continued use of the Site after the update constitutes acceptance of the revised Terms.

15. Governing Law and Disputes

These Terms are governed by the laws of the State of Missouri, without regard to its conflict-of-laws principles. The exclusive venue for any dispute that is not subject to arbitration under this Section is the state or federal courts located in St. Louis County or the Eastern District of Missouri, and you consent to the personal jurisdiction of those courts.

You and BK Benefits Consultants agree first to attempt to resolve any dispute arising from these Terms or your use of the Site informally by contacting us at brett@bkbenefits.co. If a dispute is not resolved within 30 days, either party may submit the dispute to binding arbitration administered by a recognized arbitration provider, conducted on an individual basis (no class, collective, or representative actions), and held in or near St. Louis, MO, or by remote means as the parties agree.

The foregoing arbitration agreement does not apply to claims for intellectual property infringement, claims for injunctive or equitable relief, or claims that may be brought in small-claims court so long as the claim remains in that forum.

16. Contact

BK Benefits Consultants
brett@bkbenefits.co
St. Louis, MO