Nothing on this website constitutes, or is meant to constitute, advice of any kind. [If you require advice in relation to any [legal, financial or medical] matter you should consult an appropriate professional.]

Limitations of liability

Website owner will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website: • [to the extent that the website is provided free-of-charge, for any direct loss;] • for any indirect, special or consequential loss; or • for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data. These limitations of liability apply even if the website owner has been expressly advised of the potential loss.

Please Note: Because of unforeseeable events and situations, website owner cannot guarantee the website(s) or its services will always be available and cannot be held liable for damages, be it direct or indirect, as a result of the website or any of its services being non operable.

Under no circumstances will we be liable or responsible for any direct, indirect, incidental, consequential (including damages from loss of business, friendships, relationships, alliances, lost profits, litigation, or the like), special, exemplary, punitive, or other damages, under any legal theory, arising out of or in any way relating to our website, your website use, or the content, even if advised of the possibility of such damages.

Reasonableness

By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable. If you do not think they are reasonable, you must not use this website or services.

Other parties

[You accept that the website owner has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against website owner’s officers or employees in respect of any losses you suffer in connection with the website.] [Without prejudice to the foregoing paragraph,] you agree that the limitations of warranties and liability set out in this website disclaimer will protect website owner’s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as the website owner.

Third Party Sites/Services 

Our Website(s), including but not limited to owneronlybenefits.com, gatelemed.net, and gainsurancesolutions.com,  may include links to other websites or services (including insurance quoting engines, online accessibility, operational efficiency, payment providers, or affiliates) solely as a convenience to you or to highlight our partners (“Linked Sites”). The inclusion of any Linked Site does not imply endorsement by the website owner of any third party, third party websites, or any association with the operators of such Linked Sites unless stated as such.  For GAInuranceSolutions.com, we agreed to embed an Insurance Quoting Engine as a courtesy to our clients as well as a link to our TeleMedicine partner (which is also linked via our gatelemed.net domain).  Although shown on our website, the inputs, quoting operations, and results are calculated and hosted by 3rd Parties.  We are not liable nor responsible for their website or quoting engine.  Please note:  For life insurance quotes, Coverage may not be guaranteed and the actual rates could be different then quoted based on your health, the quoting company, and other factors.

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You are responsible for viewing and abiding by the privacy statements and terms of service/use posted at any third party or Linked Sites. The information, products, materials and services on Linked Sites may not be under the control of the website owner and the website owner does not provide or necessarily endorse any such Linked Sites or the information, products, materials or services contained on or available or accessible on or through any Linked Sites unless as stated on our pages. Website owner is not responsible if any Linked Site is not functioning properly. Website owner makes no express or implied warranties with regard to the information, products, materials or services that are contained on or accessible through any Linked Sites. Access and use of any Linked Sites, including the information, products, materials and services on any Linked Sites or available through any Linked Sites, is solely at your own risk, and you acknowledge and agree that the website owner is not responsible or liable, directly or indirectly, for any loss or damage caused or alleged to be caused by your use of any or dealings with any Linked Site or as the result of the presence of any advertisers on the Websites or available through any Third Party Platforms. 

Unless stated otherwise, your correspondence or business dealings with, or participation in promotions of any advertisers found on or through the Websites, including in or through the Services, are solely between you and such advertiser or 

service provider. Any dealings with third parties, such as advertisers, included within the Websites or available on or through any Third Party Platform or participation in Promotions involving the delivery of and payment for goods and services, or any other terms, conditions, warranties, or representations associated with such third parties, are solely between you and that third party. 

Website owner is neither responsible nor liable for any part of such dealings with any third parties, including any Promotions.

Unenforceable provisions

If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforce-ability of the other provisions of this website disclaimer.

Privacy & Anti-Spam Policies 

Our Privacy and Anti-Spam Policies are part of, and subject to, these terms and conditions of use. You can view our privacy policy on our website or by clicking here.

We may terminate these terms and conditions of use for any reason and at any time without notice to you. If you are concerned about these terms and conditions of use, you should read them each time before you use our website. Any questions or concerns should be brought to our attention by sending an e-mail, and providing us with information relating to your concern.

You agree not to copy, use, or forward content from our website without our permission. Any requests to use our content should be submitted to us by e-mail.

If you believe that your intellectual property rights have been infringed upon by our website content, please notify us via e-mail. Please describe in detail the alleged infringement, including the factual and legal basis for your claim of ownership.

Compliance, Governing Law, & Dispute Resolution 

You agree to obey all applicable laws while using our website.

You agree that the laws of Georgia govern these terms and conditions of use without regard to conflicts of laws provisions.

You also agree that any dispute between you and us, excluding any intellectual property right infringement claims we pursue against you, shall be settled solely by confidential binding arbitration per the American Arbitration Association rules. All claims must arbitrated on an individual basis, and cannot be consolidated in any arbitration with any claim or controversy of anyone else. All arbitration must occur in Atlanta MSA, Georgia, USA. Each party shall bear one half of the arbitration fees and costs incurred.

Severability of These Terms & Conditions 

If any part of these terms and conditions of use are determined by a court of competent jurisdiction to be invalid or unenforceable, that part shall be limited or eliminated to the minimum extent necessary so that the remainder of these terms and conditions are fully enforceable and legally binding.

Any questions or concerns about these terms and conditions of use should be brought to our attention by clicking on the contact link on this page, and providing us with information relating to your concern.

Entire Agreement 

These terms and conditions, including the policies incorporated herein by express reference, constitutes your entire agreement with us with respect to your use of our website(s) and services.

These terms and conditions were last updated on March 7, 2024.

Website owner reserves the right to change these terms and conditions with or without notice.

You can contact us at:

support@owneronlybenefits.com

Accessibility 

We understand some of our visitors have challenges reading, viewing, and comprehending websites and have undertaken efforts to make our website more accessible.  However, we recognize that despite our ongoing efforts 

some visitors will have difficulty accessing our website(s) as this is an ongoing effort.  If you have any problems accessing our website please contact us at accessibility@owneronlybenefits.com.