These Terms of Use (“Terms”) govern your access to and use of the website at selfemployedhealthbenefits.com (SelfEmployedHealthBenefits.com — the “Site”), which is owned and operated by BK Benefits Consultants LLC (“BK Benefits Consultants,” “we,” “us,” or “our”).
1. Acceptance
By accessing the Site, submitting the request 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. The Site does not offer user accounts or logins; these Terms apply to every visitor.
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 provides general information about insurance and is provided for informational and marketing purposes only. It is an invitation to inquire, not an offer to contract, and it does not constitute an offer of insurance, a binding insurance quote, or a guarantee of coverage. No specific insurer or insurance policy is advertised on the Site. Insurance products contain exclusions, limitations, reductions of benefits, and terms under which a policy may be continued in force or discontinued. 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. Coverage is placed by licensed individual insurance producers, not by the Site or by BK Benefits Consultants as an entity.
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 · Ohio business entity agent, License #1770288 · NPN 21307422. We market insurance and direct requests to licensed insurance agents named on our Agent List. The agent who works your request does so under their own license and their own agency and insurance-company relationships, and is bound by their own licensing, compensation, and compliance obligations. BK Benefits Consultants does not set up coverage and holds no insurance-company appointments.
5. Compensation Disclosure
BK Benefits Consultants is not paid a commission by any insurance company. It is paid through marketing and referral arrangements, including a fee from the licensed insurance agent who receives your request, payable whether or not you buy anything. The agent who sets up your policy is paid by the insurance company.
BK Benefits Consultants may also be paid by an advertiser to include sponsored content in marketing emails we send. We send the message and control what it says; the advertiser never receives our contact list or anything identifying you individually. Sponsored content is labeled as advertising.
5A. Sharing of Your Request
Connecting you with a licensed insurance agent is the service, so every request submitted on the Site goes to one. When you submit the form you authorize us to share your request, including your name, email address, phone number, ZIP code, and the coverage you entered, with one licensed insurance agent from our Agent List, and you acknowledge that agent may pay us a fee for it. That agent may contact you directly about health, dental, vision, life, and related insurance. They may not sell your request, pass it on, or disclose your information to anyone else except as needed to set up coverage you ask for, and they must keep their own do-not-call list and honor a request to stop within ten (10) business days.
If that agent does not reach out promptly, we may share your request with a different agent on the Agent List instead, and the first agent may no longer contact you. No more than one agent holds your request at a time.
You may withdraw this authorization at any time through Your Privacy Choices, by emailing optout@selfemployedhealthbenefits.com, or by any other reasonable means. A withdrawal covers information we already hold and anything you submit later, and we check for it before every transfer. Withdrawing stops the sharing; it does not end our own relationship with you, and BK Benefits Consultants may continue to contact you about insurance until you tell us to stop.
6. Communications & Consent (TCPA)
The request form on the Site has one checkbox, which is not pre-checked. Checking it is your electronic signature and does three things: it accepts these Terms and our Privacy Policy, it gives your express written consent to be contacted, and it authorizes us to share your request with a licensed insurance agent on our Agent List as described in Section 5A. It is required to submit the form, because sharing your request with an agent is the service you are asking for. It is not a condition of buying anything, and it is never irrevocable.
The consent reads in full:
Message frequency varies and message and data rates may apply. Reply STOP to any text to opt out and HELP for help. Use the unsubscribe link in any marketing email. To stop calls, tell us on the call or email optout@selfemployedhealthbenefits.com. You may revoke consent at any time by any reasonable means, and we honor revocations within ten (10) business days. Outbound marketing calls and texts are placed only between 8 a.m. and 9 p.m. in your local time.
We keep a record of each consent, including the timestamp, IP address, browser, page, Agent List version, and the exact version of the consent text, for at least five (5) years (Privacy Policy Section 7).
7. Cookies & Analytics
The Site uses cookies and similar technologies for analytics and advertising measurement — Google Analytics 4 and Google Ads conversion measurement via the Google tag (with ads personalization disabled for this Site), plus Ahrefs cookieless analytics. 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, and we honor the Global Privacy Control browser signal as an opt-out. Full detail — including the categories of cookies, how consent is requested, 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 above: accepting cookies does not consent you to being contacted, and declining cookies does not revoke a contact consent you have given.
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 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. Charles 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 team@selfemployedhealthbenefits.com. 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. Charles, 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.
Agents named on our Agent List are intended third-party beneficiaries of this Section and of Section 10, and may enforce them, with respect to any claim arising from a request we shared with them under Section 5A.
Time limit. To the fullest extent permitted by law, any claim arising from or relating to these Terms or your use of the Site must be brought within one (1) year after the claim arose, or it is permanently barred.
Severability and non-waiver. If any part of this Section is held unenforceable, the rest remains in force. Nothing in these Terms waives any right or remedy that applicable law says may not be waived, and no provision here is intended to limit any such right — several states' telemarketing and consumer-protection statutes expressly forbid waiver, and those statutes control over anything inconsistent here.
16. Contact
BK Benefits Consultants LLC
3324 Rue Royale St. #1406
St. Charles, MO 63301
team@selfemployedhealthbenefits.com
(636) 265-6509
See also our Privacy Policy.