This website (“Website”) is operated by BeneVibe. PLEASE READ THIS TERMS OF USE AGREEMENT (“Terms” or “Agreement”) CAREFULLY BEFORE USING THIS WEBSITE. THESE TERMS OF USE DESCRIBE YOUR LEGAL RIGHTS AND RESPONSIBILITIES, AND BY ACCESSING OR USING THE WEBSITE, YOU ACCEPT AND AGREE TO BE BOUND AND ABIDE BY THESE TERMS OF USE. THESE TERMS OF USE FORM A LEGAL AGREEMENT BETWEEN YOU AND US REGARDING YOUR USE OF THE WEBSITE, ALONG WITH THE RELATED SERVICES, FEATURES, CONTENT AND OFFERS PROVIDED ON THE WEBSITE. THESE TERMS OF USE ALSO INCLUDE A MANDATORY ARBITRATION CLAUSE AND CLASS ACTION WAIVER.

IF YOU ARE NOT WILLING TO BE BOUND BY THESE TERMS OF USE, INCLUDING THE DISCLAIMERS, YOU MAY NOT ACCESS OR USE THIS WEBSITE.

Your use of this Website constitutes your agreement to these Terms of Use.

BeneVibe reserves the right, in its sole discretion, to make changes to our Website, these Terms, the policies and conditions that govern the use of our Website, and an individual’s access to this Website at any time, or to terminate this Website without notice. It is recommended that you periodically read these Terms for any updates or changes. Your continued access or use of our Website shall be deemed your acceptance of these changes.

License Grant

This Website is provided by BeneVibe, and these Terms provide to you (“you” or “user”) a personal, revocable, limited, non-exclusive, royalty-free, non-transferable license to use this Website, conditioned on your continued compliance with these Terms.

License Restrictions

The foregoing license is limited. You therefore may not (1) use, copy, store, reproduce, transmit, distribute, display, rent, lease, sell, modify, alter, license, sublicense, or commercially exploit the Website (or any part thereof) in any manner not expressly permitted by these Terms, (2) reverse engineer, decompile, disassemble, translate, or create any derivative work of the Website (or any part thereof); (3) access, link to, or use any source code from the Website (or any part thereof); or (4) erase or remove any proprietary or intellectual property notice contained in or on the Website (or any part thereof). In addition, you acknowledge and agree that exceeding the scope of the license herein shall be a material breach of this Agreement and subject to the termination provisions set forth herein.

Restrictions on Use of Materials

These Terms provide only a limited license to access and use the Website. Accordingly, you expressly acknowledge and agree that BeneVibe transfers no ownership or intellectual propertyinterest or title in or to this Website to you or anyone else. All materials contained in this Website are the copyrighted property of BeneVibe, or its affiliated companies and/or third-party licensors. Unauthorized use of the materials on this Website will violate intellectual property rights. No material from this Website may be modified, translated, decompiled, disassembled, broadcast, licensed, sublicensed, transferred, sold, mirrored, framed, exploited, rented, leased, copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. Moreover, you may not (i) use any “deep link,”“page scrape,” “robot,” “spider,” or other automatic device to access, acquire, copy, or monitor any portion of this Website; (ii) attempt to gain unauthorized access to any portion or feature of this Website by hacking, password“mining,” or any other illegitimate means; (iii) probe, scan, or test the vulnerability of this Website or any network connected to the Website; or (iv) take any action that imposes an unreasonable or disproportionately large load on the infrastructure of this Website or BeneVibe’s systems or networks.

Purchase of Products and Benefits Services

You may be provided with the opportunity to use services through the BeneVibe Website, which serves as an All-in-One Employee Benefits Platform. This system enables access to enrollment data, coverage summaries, identification cards, and benefits-related support services. Products and services purchased through or provided by third-party websites are subject to the terms and conditions of such third parties, and BeneVibe shall have no liability or responsibility for such purchases.

Health-Related Information and HIPAA

The information system subject to this agreement is a web-based benefits administration system providing individualized health plan information.

● e-PHI: Because the system processes individually identifiable health information related to health plan enrollment and coverage, it qualifies as electronic Protected Health Information (e-PHI) under 45 CFR §164.302.

● Educational Purpose: The information provided via the Services relates to your physical or mental health, healthcare provision, or payment for healthcare. It is designed for administrative and educational purposes regarding your group health plan and is not a substitute for informed medical advice.

● User Rights: Under HIPAA, you have the right to inspect and copy your health records, request amendments, and receive an accounting of disclosures.

SMS Messaging Terms & ConditionsProgram Description

BeneVibe operates an SMS messaging program to deliver service-related communications to enrolled users. All messages are transactional in nature. BeneVibe does not send promotional or marketing messages via SMS. Account notifications and alerts

● Benefits updates and open enrollment reminders

● Security alerts and account verification

● Customer support communications

Opt-In Consent

By providing your mobile phone number and affirmatively opting in, for example, by checking a consent box or submitting a form, you expressly consent to receive SMS messages from BeneVibe.

Consent is never a condition of purchase or use of BeneVibe services. Opt-In Confirmation Message (sent automatically upon first opt-in): “Welcome to BeneVibe alerts. Message frequency varies. Message & data rates may apply. Reply HELP for help (hello@BeneVibe.co). Reply STOP to opt out. ”

Signup Form example: By checking this box, you agree to receive SMS messages from BeneVibe related to your benefits, account notifications, and support. Message frequency varies (typically 2–4 per month). Message & data rates may apply. Reply STOP to opt out or HELP for help. Consent is not a condition of use. View our SMS Terms and Privacy Policy. Example message: “BeneVibe: You have a new benefits update available. Log in to your account to review your information. ”

Message Frequency

Message frequency varies depending on your activity, your employer’s benefits cycle, and your interactions with BeneVibe services. You may receive messages during key events such as:

● Open enrollment periods

● Benefits plan updates

● Account or security notifications

Message and Data Rates

BeneVibe does not charge for SMS messages. Standard message and data rates from your mobile carrier may apply. You are responsible for any fees charged by your carrier. Contact your carrier for details about your messaging plan. Carrier charges may vary. BeneVibe is not responsible for delays or undelivered messages.Example Message: “BeneVibe: You have a new benefits update available. Log in to your account to review. Reply STOP to opt out, HELP for help. “

Opt-Out Instructions

You may opt out of receiving SMS messages from BeneVibe at any time using any of the following methods:

How to Opt Out

• Reply STOP to any BeneVibe SMS message

• You will receive a single confirmation message confirming your opt-out

• No further messages will be sent following confirmation

• You may re-subscribe at any time by opting in again through your account settings

Help and Support

If you need assistance with the BeneVibe SMS program, you have two options:

Getting Help

• Reply HELP to any BeneVibe message to receive immediate assistance instructions

• Email us directly at hello@BeneVibe.co for personalized support

Supported Carriers

SMS delivery is supported on major U.S. mobile carriers. Delivery is subject to carrier availability

and network conditions, and is not guaranteed in all areas. BeneVibe is not responsible for

delays or failures caused by carrier network issues.

Privacy

BeneVibe takes the privacy of your information seriously.

Your mobile phone number and SMS opt-in data will never be shared with third parties or

affiliates for marketing or promotional purposes.

Information collected is used solely to provide and improve SMS messaging services.

For complete details on how we handle your personal information, please review our Privacy

Policy.

User Responsibilities

By participating in the BeneVibe SMS program, you agree to the following:

● Provide accurate and current contact information at all times.

● Confirm that you are the authorized user of the mobile number provided.

● Promptly notify BeneVibe if your mobile number changes.

BeneVibe is not responsible for messages sent to reassigned, incorrect, or deactivated phone numbers.Changes to These Terms BeneVibe reserves the right to update or modify these Terms & Conditions at any time. Any changes will be reflected on our website with a revised effective date. Continued participation in the SMS program after changes are posted constitutes acceptance of the updated terms.

Modification

BeneVibe reserves the right to modify or discontinue, temporarily or permanently, the Website as a whole and any or all of the Website features, products, services, or information available through the Website, with or without notice to you. You agree that BeneVibe shall not be liable to you or any third party for any modification or discontinuance.

Submission of Information and/or Material

You agree that you will, at all times, provide true, accurate, current, and complete information when submitting information on this Website. By submitting success stories, testimonials, or feedback, you automatically grant BeneVibe a royalty-free, perpetual, irrevocable, worldwide nonexclusive license to use and distribute such Submissions. This does not apply to your

Protected Health Information (PHI), which is handled strictly under the terms of our HIPAA Notice.

Privacy

Certain registration data and other information about you is subject to our Privacy Notice. Please review the full BeneVibe Privacy Policy and HIPAA Notice.

Indemnity

You agree to indemnify and hold harmless BeneVibe, our related companies, directors, officers, and employees from any claim, loss, or damage arising from your unauthorized use of the Website or breach of these Terms.

Governing Law

This Agreement and its performance shall be governed by applicable federal law (HIPAA) and

the laws of the jurisdiction in which BeneVibe operates, without regard to conflict of laws provisions. Any claim must be brought within the timeframes permitted by law, typically aligned with HIPAA’s retention and record requirements.

Arbitration and Class Action Waiver

Any controversy or claim arising out of or related to the use of the Website that cannot be resolved through informal negotiation shall be settled by binding arbitration. BY AGREEING TOTHIS ARBITRATION AGREEMENT, YOU ARE GIVING UP YOUR RIGHT TO GO TO COURT, INCLUDING YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION.

Limitation of Liability and Disclaimer

You expressly agree that use of our Website is at your sole risk and the Website is provided on an “as is” and “as available” basis. BeneVibe utilizes technical safeguards, including encryption and secure audit logs, but cannot guarantee absolute security. UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE TO YOU FOR ANY DIRECT, PUNITIVE, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OF THE WEBSITE OR SERVICES.

Termination of Agreement or Account

These Terms take effect when you begin accessing or using the Website. BeneVibe reserves the right at any time and for any reason to deny you access to this Website, particularly in the event of conduct we consider unacceptable or a breach of these Terms. Upon termination, your Protected Health Information will be retained and eventually disposed of in accordance with our secure disposal methods and HIPAA retention requirements.

Contact Us

Should you have other questions or concerns about these legal notices or the practices of this Website, please contact us at hello@BeneVibe.co

Last Updated: April 10, 2026