Terms of Service

Last updated: April 29, 2026

These Terms of Service ("Terms") govern your use of the AO Benefits Group website and services. By accessing the site or working with us, you agree to these Terms.

About AO Benefits Group

AO Benefits Group is an independent health insurance brokerage. We help individuals and families compare plans and enroll in coverage from licensed insurance carriers. We are not an insurance carrier and do not underwrite policies.

Use of the Website

The information on this website is provided for general informational purposes only and is not a substitute for personalized advice from a licensed insurance professional. Coverage availability, plan details, premiums, and benefits vary by state, carrier, and applicant. Specific quotes and plan details will be confirmed during your consultation.

No Insurance Contract

Nothing on this website constitutes an offer of insurance or an insurance contract. Coverage is bound only after a complete application is submitted to and approved by the issuing carrier.

Communications

By submitting your contact information, you authorize AO Benefits Group to contact you by phone, email, or SMS to discuss your insurance needs. SMS communications are governed by our SMS Terms. Email and phone communications can be discontinued at any time by request.

Intellectual Property

All content on this website, including text, graphics, logos, and design, is owned by AO Benefits Group or its licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or use any content from this site without prior written permission.

Disclaimer of Warranties

The website and our services are provided "as is" without warranties of any kind, express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components.

Limitation of Liability

To the fullest extent permitted by law, AO Benefits Group will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the website or our services.

Governing Law

These Terms are governed by the laws of the State of Arizona, without regard to its conflict of law provisions.

Changes to These Terms

We may update these Terms from time to time. Material changes will be reflected on this page with an updated effective date. Continued use of the website after changes are posted constitutes acceptance of the updated Terms.

Contact

Questions about these Terms can be sent to anthony@aobenefitsgroup.com.