Last Updated: December 23, 2025
1.1 Welcome to the website of benefits-watch.com ("benefits-watch.com," "we," "us," or "our"). These terms ("Terms of Use") govern your access to and use of benefits-watch.com, including any content, functionality, and services offered on or through benefits-watch.com (the "Website"), whether as a guest or registered user.
1.2 Please read the Terms of Use carefully before using the Website. By using the Website, you accept and agree to be bound by these Terms of Use and our Privacy Policy, which is incorporated in these Terms of Use by reference. All purchases and transactions for the sale of goods formed through the Website are governed by our Terms of Sale, which follow these Terms of Use. If you do not agree to these Terms of Use, you should not use the Website.
1.3 This Website is offered and available to users who are 18 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with benefits-watch.com and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not use the Website.
2.1 We may update these Terms of Use from time to time. All changes are effective immediately when we post them, and apply to all access to and use of the Website thereafter. However, any changes to the dispute resolution provisions set forth in Governing Law and Jurisdiction will not apply to any disputes for which the parties have actual notice on or prior to the date the change is posted on the Website.
2.2 Your continued use of the Website following the posting of revised Terms of Use means that you have read and agree to the changes. You should check this page from time to time so you are aware of any changes, as they are binding on you.
2.3 We may withdraw or update the content on this Website in our sole discretion without notice or liability to you. The content on the Website is not necessarily complete or up-to-date.
3.1 You will ensure that all information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with this Website, including through the use of any interactive features on the Website, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.
3.2 You will treat your user name, password, and any other information you provide as part of your registration process as confidential. You acknowledge that your account is personal to you and therefore will not provide any other person with access to this Website or portions of it using your user name, password, or other security information. You will notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security.
3.3 We have the right to disable your account or any portion of it at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.
4.1 As between you and benefits-watch.com, all right, title and interest in and to the Website and its contents, features and functionality (including products, information, software, text, displays, images, video and audio, and the design, selection and arrangement of those items), and all intellectual property rights in the Website, are retained by benefits-watch.com.
4.2 You may use the Website for your personal, non-commercial use only. No right, title, or interest in or to the Website is transferred to you, and all rights not expressly granted are reserved by benefits-watch.com. You will not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as follows:
4.3 You will not:
4.4 If you wish to make any use of material on the Website other than that set out in this Section 4, please address your request to support@benefits-watch.com.
4.5 If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Website in breach of the Terms of Use, your right to use the Website will cease immediately, and you must, at our option, return or destroy any copies of the materials you have made.
4.6 The benefits-watch.com name, benefits-watch.com logo, and all related names, logos, product and service names, designs, and slogans are trademarks of benefits-watch.com or our licensors. You must not use such marks without the prior written permission of benefits-watch.com. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.
5.1 You agree not to use the Website:
5.2 Additionally, you agree not to:
6.1 The Website may contain message boards, chat rooms, personal web pages or profiles, forums, and other interactive features (collectively, "Interactive Services") that allow users to post, submit, publish, display, or transmit to other users or other persons (hereinafter, "post") content or materials (collectively, "User Contributions") on or through the Website.
6.2 All User Contributions must comply with the Content Standards set out below in Section 7.
6.3 Any User Contribution you post to the site will be considered non-confidential and non-proprietary. By providing any User Contribution on the Website, you hereby grant and agree to grant to us and our service providers, and each of their and our respective licensees, successors, and assigns, the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose.
6.4 You represent and warrant that:
6.5 You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and you, not benefits-watch.com, have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness. We are not responsible, or liable to any third party, for the content or accuracy of any User Contributions posted by you or any other user of the Website.
7.1 These content standards apply to any User Contributions and use of Interactive Services. User Contributions must, in their entirety, comply with all applicable federal, state, local, and international laws and regulations. Without limiting the foregoing, you must ensure that User Contributions do not:
8.1 We have the right to:
8.2 Notwithstanding the above, we do not undertake to review all material before it is posted on the Website, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or omission regarding transmissions, communications, or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this Section 8.
9.1 The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
9.2 This Website may include content provided by third parties, including materials provided by other users. All statements and opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by benefits-watch.com, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of benefits-watch.com. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.
10.1 You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part without our express written consent.
10.2 This Website may provide certain social media features that enable you to:
10.3 You may use these features solely as they are provided by us and solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:
10.4 The website from which you are linking, or on which you make certain content accessible, must comply in all respects with the Content Standards set out in these Terms of Use.
10.5 You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice.
10.6 We may disable all or any social media features and any links at any time without notice in our discretion.
If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.
The owner of the Website is based in the state of Florida in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal for certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
If you have any additional questions regarding this Agreement, please feel free to contact us anytime at contact@benefits-watch.com or call us at (302) 527-7684.
benefits-watch.com offers an SMS messaging service.
benefits-watch.com provides text message-based services that may be for marketing or promotional purposes, such as product announcements, specials, and other promotions. We send updates and notifications to users who have registered on our site and opted in to receive such information. You acknowledge and agree that the Services are for your personal use only. You may not use the Services to sell a product or service, or to increase traffic to your business for commercial reasons, such as advertising sales. If you want to make commercial use of the Services, you must enter into an agreement with benefits-watch.com to do so in advance. Please contact us for more information.
benefits-watch.com occasionally provides links or access to websites, services, or properties owned by third parties (collectively, "Third Party Links"). benefits-watch.com does not own or operate such Third Party Links and is not responsible for the content or performance of any Third Party Links. benefits-watch.com does not share, rent, or sell any Personally Identifiable Information with any third party.
You may choose to opt in to our SMS messaging service at your own discretion, and you may opt out at any time. By opting in, you provide prior express written consent to receive SMS messages, including for marketing or promotional purposes, from benefits-watch.com at the mobile number you provided, using automated technology related to housing and other assistance updates. Consent to receive SMS messages is not a condition of purchase or use of our services.
Participating carriers include: AT&T, Boost Mobile, T-Mobile, Metro PCS, Verizon Wireless, Sprint, U.S. Cellular, Nextel & Virgin Mobile. Carriers are not liable for delayed or undelivered messages.
As always, message and data rates may apply. If you have any questions about your text plan or data plan, please contact your wireless provider.
You must have a wireless device of your own capable of 2-way messaging, be using a participating wireless carrier, and be a wireless service subscriber with text messaging service. Not all cellular phone providers carry the necessary service to participate. Check your phone capabilities for specific text messaging instructions.
You can cancel the SMS service at any time:
When we receive a "HELP" message, we will provide instructions on how to use this service and how to unsubscribe.
By You. You may terminate any of the Services or subscriptions at any time by replying STOP to any text message you receive from us.
By benefits-watch.com. You agree that benefits-watch.com, at its sole discretion, may at any time terminate your use of all or any portion of the Services and/or change its content offering made available through the Services, if benefits-watch.com believes that you have violated or acted inconsistently with this Agreement. You agree that benefits-watch.com shall not be liable to you or any third party for any termination of your access to the Services.
benefits-watch.com messages are delivered via text messaging to your mobile phone. Message frequency varies, but will not exceed 2 msgs/day.
Message and data rates may apply for each message you send or receive, in accordance with the terms of your cellular subscription plan. You are responsible for all applicable taxes. Consult your wireless service provider regarding their pricing plans. This service is offered on an "as-is" basis and may not be available in all areas at all times, and may not continue to work in the event of product, software, coverage, or other changes made by your wireless carrier.
By participating, you agree to release and hold harmless the Company and participating wireless carriers ("Released Parties") and their respective representatives, agents, successors, assigns, employees, members, officers, and directors from any and all liability, for loss, harm, damage, injury, cost or expense whatsoever including, without limitation, property damage, personal injury and/or death which may occur in connection with this service, and for any claims based on violation of law or infringement or violation of any rights of any person or entity, including, without limitation, violation of publicity rights, defamation, invasion of privacy. Released Parties are not responsible for any printing, typographical, mechanical, or other errors in associated promotional materials in connection with this service. Participating wireless carriers and/or each of their respective subsidiaries, affiliates, shareholders, officers, directors, agents, representatives, and employees are not responsible for this service, and none of them will have any liability or responsibility for any claim arising in connection with participation in this service. The Released Parties make no warranties, and hereby disclaim any and all warranties, express or implied, concerning any offer furnished by third parties in connection with this service. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, ALL SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, AND THE RELEASED PARTIES HEREBY DISCLAIM ALL SUCH WARRANTIES INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND/OR NON-INFRINGEMENT.
15.1 YOUR USE OF THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE IS PROVIDED ON AN "AS IS" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE. TO THE EXTENT PERMITTED BY LAW, BENEFITS-WATCH.COM DISCLAIMS ALL WARRANTIES, GUARANTEES, AND REPRESENTATIONS WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY, MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR PARTICULAR PURPOSE IN RESPECT OF THE WEBSITE.
15.2 EXCEPT TO THE EXTENT OUR LIABILITY CANNOT BE EXCLUDED OR LIMITED UNDER LAW, IN NO EVENT WILL BENEFITS-WATCH.COM OR ITS LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.
15.3 ALL CANVAS ORDERS ARE SOLD ON A "FINAL SALE" BASIS ONLY, AND NO CANCELLATIONS, RETURNS, REFUNDS, OR CREDITS ARE ALLOWED. WE HAVE NO OBLIGATION TO REPLACE OR REFUND ANY CANVAS ORDERS. MISSPELLINGS, COLOR DISCREPANCIES, OR ANY OTHER ISSUES ARE NOT COVERED. IF THE PRODUCT IS DEFECTIVE, WE WILL REPLACE OR REPAIR THE PRODUCT. CANVAS ORDERS MAY TAKE MORE THAN 2 BUSINESS DAYS TO PRODUCE AND SHIP; THIS TIMEFRAME IS NOT GUARANTEED.
16.1 All matters relating to the Website and these Terms of Use and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), will be governed by and construed in accordance with the internal laws of the State of Florida without giving effect to any choice or conflict of law provision or rule.
16.2 Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Website will be instituted exclusively in the federal courts of the United States or the courts of the State of Florida, in each case in the county of Miami, Florida. However, we retain the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your state or country of residence or any other relevant state or country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
17.1 No waiver by benefits-watch.com of any term in these Terms of Use will be deemed a further or continuing waiver of such term or condition or a waiver of any other term, and any failure of benefits-watch.com to assert a right or provision under these Terms of Use will not constitute a waiver of such right or provision.
17.2 If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision will be limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.
The Terms of Use, our Privacy Policy, and Terms of Sale constitute the sole and entire agreement between you and benefits-watch.com with respect to the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to the Website.
This website is operated by benefits-watch.com, a DBA of Lady Boss Media LLC. All other feedback, comments, requests for technical support, and other communications relating to the Website should be directed to contact@benefits-watch.com or (302) 527-7684.
1.1 The Products will be delivered within a reasonable time after the receipt of your request, subject to these Terms.
1.2 benefits-watch.com is not responsible for any non-delivery of Products unless you give written notice to benefits-watch.com of the non-delivery within two weeks of the date when the Products would in the ordinary course of events have been received.
Title and risk of loss passes to you upon delivery of the Products at the Delivery Address. This means you will be responsible for any subsequent damage, loss, or destruction to the Products delivered to you.
3.1 benefits-watch.com tries to make sure all descriptions of the Products are accurate and correct. However, mistakes do happen and benefits-watch.com will try to resolve any errors in information as soon as reasonably possible and if benefits-watch.com thinks that such an error has affected your request, benefits-watch.com will make all reasonable efforts to notify you via the contact information provided by you and give you the option of reconfirming your request.
EXCEPT AS OTHERWISE EXPRESSLY SET FORTH IN THESE TERMS, BENEFITS-WATCH.COM MAKES NO WARRANTY WHATSOEVER WITH RESPECT TO THE PRODUCTS, INCLUDING ANY (A) WARRANTY OF MERCHANTABILITY; (B) WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE; (C) WARRANTY OF TITLE; OR (D) WARRANTY AGAINST INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS OF A THIRD PARTY, WHETHER EXPRESS OR IMPLIED BY LAW, COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OF TRADE, OR OTHERWISE.
5.1 IN NO EVENT WILL BENEFITS-WATCH.COM BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, LOST PROFITS OR REVENUES OR DIMINUTION IN VALUE, ARISING OUT OF OR IN CONNECTION WITH ANY BREACH OF THESE TERMS OR ANY ACT OR OMISSION BY BENEFITS-WATCH.COM OR ITS PERSONNEL, WHETHER OR NOT THE POSSIBILITY OF SUCH DAMAGES HAS BEEN DISCLOSED IN ADVANCE OR COULD HAVE BEEN REASONABLY FORESEEN, REGARDLESS OF THE LEGAL OR EQUITABLE THEORY (CONTRACT, TORT, OR OTHERWISE) UPON WHICH THE CLAIM IS BASED, AND NOTWITHSTANDING THE FAILURE OF ANY AGREED OR OTHER REMEDY OF ITS ESSENTIAL PURPOSE.
5.2 YOUR EXPRESS RIGHT TO RECEIVE A REFUND OR REPLACEMENT PRODUCT UNDER SECTION 3 ABOVE CONSTITUTES YOUR SOLE AND EXCLUSIVE REMEDY IN RELATION TO ANY DEFECTIVE OR WRONG PRODUCTS SENT TO YOU OR ANY PRODUCTS THAT HAVE BEEN INACCURATELY DESCRIBED OR PRICED ON BENEFITS-WATCH.COM'S WEBSITE.
5.3 IN NO EVENT WILL BENEFITS-WATCH.COM'S AGGREGATE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THESE TERMS, WHETHER ARISING OUT OF OR RELATED TO BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, EXCEED THE TOTAL OF ANY AMOUNTS PAID TO BENEFITS-WATCH.COM BY YOU FOR THE RELEVANT PRODUCTS SOLD UNDER THESE TERMS.
5.4 The limitation of liability set forth above will not apply to death or bodily injury directly resulting from benefits-watch.com's acts or omissions.
Delay in benefits-watch.com's exercising or failure to exercise any right or remedy under these Terms will not constitute a waiver of benefits-watch.com's rights and remedies under these Terms.
benefits-watch.com will not be liable or responsible to you, nor be deemed to have defaulted or breached these Terms, for any failure or delay in fulfilling or performing any term of these Terms, when and to the extent such failure or delay is caused by or results from acts or circumstances beyond the reasonable control of benefits-watch.com including acts of God, flood, fire, earthquake, explosion, governmental actions, war, invasion or hostilities (whether war is declared or not), terrorist threats or acts, riot, or other civil unrest, national emergency, revolution, insurrection, epidemic, lockouts, strikes or other labor disputes (whether or not relating to either party's workforce), or restraints or delays affecting carriers or inability or delay in obtaining supplies of adequate or suitable materials, materials, or telecommunication breakdown or power outage.
All matters arising out of or relating to these Terms is governed by and construed in accordance with the internal laws of the State of Florida without giving effect to any choice or conflict of law provision or rule (whether of the State of Florida or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than those of the State of Florida.
Any legal suit, action, or proceeding arising out of or relating to these Terms will be instituted in the federal courts of the United States of America or the courts of the State of Florida, in each case located in Dade County, in the State of Florida, and each party irrevocably submits to the exclusive jurisdiction of such courts in any such suit, action, or proceeding.
benefits-watch.com may revise and update these Terms from time to time in its sole discretion. All changes are effective immediately when benefits-watch.com posts them, and apply to all purchases of Products thereafter. You should check these Terms every time you make a purchase of Products so you are aware of any changes. No other changes to these Terms will be binding or enforceable unless agreed in writing between each party's authorized representative.
If any term or provision of these Terms is held to be invalid, illegal, or unenforceable in any jurisdiction, the invalidity, illegality, or unenforceability will not affect any other term or invalidate or render unenforceable such term in any other jurisdiction.
Personal information, such as your contact details, that you provide during the order process will be kept and used by us in accordance with our Privacy Policy.
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