Terms of Use

Acceptance of these Terms

These Terms of Use apply to Business Health Insurance Guide, a website operated by Nofo Times LLC. By using the site, you agree to these Terms. If you do not agree, do not use the site.

What the site provides

The site provides educational guides, checklists, examples, and calculators for small employers researching health insurance and related benefits topics. The site does not provide insurance, legal, tax, accounting, financial, fiduciary, plan-administration, payroll, or compliance services.

No professional relationship

Using this site, reading an article, using a calculator, clicking a link, or emailing us does not create a broker-client, agent-client, attorney-client, tax-adviser, fiduciary, benefits-administrator, or professional advisory relationship with Nofo Times LLC.

Calculator and content limitations

Calculator results are estimates based on the assumptions you enter. They are not quotes, applications, enrollment tools, eligibility determinations, contribution-rule determinations, tax-credit calculations, or legal compliance determinations.

User responsibilities

• Do not submit sensitive medical, employee, payroll, tax, census, claim, or enrollment information to this site.
• Do not rely on the site as the only source for a benefits, coverage, tax, or compliance decision.
• Do not use the site for unlawful, misleading, automated, abusive, or security-interfering activity.
• Verify time-sensitive or rule-sensitive information before using it.

Permitted personal use

You may print a page, save a calculator result, or share a link with a colleague, broker, accountant, attorney, or adviser for ordinary business research. That permission does not include copying the site at scale, republishing pages, scraping content, reselling calculator logic, or using the site to create a competing database or automated service.

Third-party websites

The site links to government agencies, marketplaces, carriers, brokers, administrators, payroll platforms, PEOs, publications, and other third-party resources. Nofo Times LLC does not control those websites, their availability, their privacy practices, their pricing, or their advice.

Intellectual property

The text, design, calculators, page structure, and other site materials are owned by Nofo Times LLC or used with permission, except for third-party names, trademarks, and linked source materials. You may use the site for ordinary business research but may not copy or reuse substantial portions without permission.

No warranties and limitation of liability

The site is provided “as is” and “as available.” Nofo Times LLC does not warrant that the site will be uninterrupted, error-free, complete, current, secure, or suitable for a specific employer situation. To the fullest extent permitted by law, Nofo Times LLC will not be liable for indirect, incidental, consequential, special, punitive, or similar damages arising from use of the site.

Contact

Questions about these Terms can be sent to info@businesshealthinsuranceguide.com.