Legal · Terms of Use
Terms of Use
Effective Date: June 2026 | Last Updated: June 2026
These Terms of Use (“Terms”) govern your access to and use of the JS Benefits Group, Inc. website located at jsbenefitsgroup.com (“Site”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
JS Benefits Group, Inc. (“JS Benefits Group,” “we,” “our,” or “us”) is an employee benefits and HR consulting firm headquartered in Newtown, Pennsylvania. We reserve the right to update these Terms at any time. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
1. Acceptance of Terms
By using this Site, you represent that you are at least 18 years of age and have the legal authority to agree to these Terms on behalf of yourself or the organization you represent. If you are accessing the Site on behalf of an employer or other entity, you represent that you have authority to bind that entity to these Terms.
2. Professional Disclaimer — Not Legal, Tax, or Benefits Advice
The content on this Site, including articles, blog posts, compliance calendars, calculators, guides, FAQs, and other materials, is provided for general informational and educational purposes only. It does not constitute and should not be relied upon as legal advice, tax advice, benefits advice, actuarial advice, or any other professional advisory service.
Benefits, HR, and compliance matters are complex and fact-specific. Applicable law, IRS guidance, DOL regulations, and carrier requirements change frequently. Information on this Site may not reflect the most current legal or regulatory developments and may not apply to your specific situation.
Before taking any action based on information found on this Site — including plan design decisions, compliance filings, penalty avoidance strategies, or HR policy changes — you should consult with a qualified employee benefits consultant, ERISA attorney, tax advisor, or other appropriate professional.
3. No Broker-Client Relationship
Accessing this Site, submitting a contact form, requesting a consultation, or downloading materials does not create a broker-client relationship, advisory relationship, or any other professional engagement between you and JS Benefits Group.
A formal broker-client or consulting relationship is established only upon execution of a written engagement agreement or broker-of-record letter signed by authorized representatives of both parties. Until such an agreement is in place, JS Benefits Group has no obligation to provide advice, maintain confidentiality of submitted information beyond what is described in our Privacy Policy, or act in any fiduciary capacity.
4. Accuracy of Information
We make reasonable efforts to ensure the accuracy of the information on this Site, including regulatory thresholds, penalty amounts, contribution limits, and compliance deadlines. However, we do not warrant that all content is current, complete, or error-free.
Specific figures on this Site — such as ACA affordability percentages, 401(k) contribution limits, IRS penalty amounts, and state-specific requirements — are updated periodically but may not reflect the most recent IRS, DOL, or agency guidance at the time you access them. Always verify regulatory figures against official government sources before relying on them.
5. Intellectual Property
All content on this Site, including text, graphics, logos, icons, images, calculators, compliance calendars, and software, is the property of JS Benefits Group, Inc. or its content suppliers and is protected by applicable U.S. and international intellectual property laws. You may access and use Site content for your own personal, non-commercial informational purposes only. You may not reproduce, distribute, modify, or transmit any materials from this Site without our prior written consent.
The JS Benefits Group name, logo, and all related marks are trademarks of JS Benefits Group, Inc. You may not use these marks without our prior written permission.
6. Use of Calculators and Tools
This Site includes interactive tools such as the ACA Penalty Calculator, Employee Benefits Benchmark Calculator, and similar resources. These tools are provided as general educational aids only. Results are estimates based on the inputs you provide and built-in assumptions, and should not be relied upon as a determination of your legal obligations, plan compliance, or financial exposure. You should work with a qualified benefits professional to assess your specific situation.
7. User Conduct
By using this Site, you agree that you will not use the Site for any unlawful purpose; scrape or use automated means to collect data from the Site; submit false or fraudulent information through any Site form; attempt to gain unauthorized access to any portion of the Site or its systems; transmit viruses or other harmful code; or use the Site to solicit services competitive with JS Benefits Group.
8. Third-Party Links
This Site contains links to third-party websites including government agencies (IRS.gov, DOL.gov, Medicare.gov), insurance carriers, HR technology platforms, and professional associations. These links are provided for convenience only. JS Benefits Group does not endorse, control, or assume responsibility for the content, privacy practices, or accuracy of any third-party site. Your use of third-party sites is at your own risk and subject to their terms and conditions.
9. Disclaimer of Warranties
THIS SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. JS BENEFITS GROUP EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components, or that any content is accurate, complete, or current.
10. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, JS BENEFITS GROUP, INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THIS SITE OR ITS CONTENT. In no event shall JS Benefits Group’s total liability to you for all claims arising out of or related to your use of the Site exceed one hundred dollars ($100.00).
11. Indemnification
You agree to indemnify, defend, and hold harmless JS Benefits Group, Inc. and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your violation of any rights of another.
12. Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Bucks County, Pennsylvania, and you consent to the personal jurisdiction of such courts.
13. Changes to These Terms
We reserve the right to modify these Terms at any time. When we make material changes, we will update the effective date at the top of this page. Your continued use of the Site after the posting of revised Terms constitutes your acceptance of the changes. We encourage you to review these Terms periodically.
14. Contact Us
If you have questions about these Terms, please contact us:
JS Benefits Group, Inc.
54 Friends Lane, Suite 121
Newtown, PA 18940
Phone: (877) 355-6070
Email: info@jsbenefitstemp.webwerxdrafts.com
Website: jsbenefitsgroup.com
