DECLANCO BENEFITS
Website Terms of Use
Effective Date: March 1, 2026 Last Updated: September 25, 2026
Welcome to DeclanCo Benefits. By accessing or using our website, you agree to be bound by these Terms of Use. If you do not agree with these Terms, please discontinue use of the website.
1. Website Purpose
This website is provided for informational and educational purposes regarding insurance products, employee benefits, Medicare, Health Insurance Marketplace coverage, and related services offered by DeclanCo Benefits.
Information provided on this website is intended as general guidance only and should not be considered legal, tax, financial, or professional advice. Coverage, rates, eligibility requirements, and benefits vary by carrier, plan, state, and individual circumstances.
2. No Insurance Contract
Use of this website does not create an insurance policy, insurance contract, broker-client relationship, or guarantee of coverage.
Insurance coverage becomes effective only upon approval by the applicable insurance carrier and subject to the terms, conditions, limitations, and exclusions contained in the issued policy or plan documents.
3. Accuracy of Information
DeclanCo Benefits strives to provide accurate and current information; however, we do not guarantee the completeness, accuracy, reliability, suitability, or availability of any information on this website.
Insurance products, plan availability, provider networks, premiums, and regulations may change without notice.
4. Intellectual Property
All website content, including text, graphics, logos, branding, images, design elements, downloadable materials, and other content, is the property of DeclanCo Benefits or its licensors unless otherwise noted and is protected by applicable intellectual property laws.
You may view, download, and print materials from this website solely for personal, informational, and non-commercial purposes. No content may be copied, modified, distributed, reproduced, republished, sold, or exploited for commercial purposes without prior written permission from DeclanCo Benefits.
5. Acceptable Use
You agree not to:
- Use the website for any unlawful purpose.
- Attempt to gain unauthorized access to website systems or data.
- Introduce malware, viruses, malicious code, or other harmful technologies.
- Interfere with the operation or security of the website.
- Use automated methods to collect information from the website without authorization.
DeclanCo Benefits reserves the right to restrict or terminate access to any user who violates these Terms.
6. Third-Party Links
This website may contain links to third-party websites operated by insurance carriers, government agencies, service providers, or other organizations.
These links are provided for convenience only. DeclanCo Benefits does not control, endorse, or assume responsibility for the content, privacy practices, security, availability, or accuracy of information contained on third-party websites.
7. Electronic Communications
Information submitted through website forms, email communications, or other electronic methods may not be secure during transmission.
Submission of information through this website does not guarantee acceptance, enrollment, coverage approval, or receipt of communications. Users are responsible for confirming time-sensitive matters directly with DeclanCo Benefits.
8. Disclaimer of Warranties
This website and all content contained herein are provided on an "as-is" and "as-available" basis.
To the fullest extent permitted by law, DeclanCo Benefits disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, availability, accuracy, and uninterrupted operation.
We do not warrant that the website will be error-free, secure, free of harmful code, or continuously available.
9. Limitation of Liability
To the fullest extent permitted by law, DeclanCo Benefits, its owners, employees, contractors, affiliates, representatives, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or relating to:
- Use of or inability to use the website.
- Reliance upon website information.
- Unauthorized access to or alteration of data.
- Website interruptions, errors, or technical failures.
- Third-party websites or services.
Your sole remedy for dissatisfaction with the website is to discontinue use of the website.
10. Regulatory Compliance
DeclanCo Benefits provides insurance-related services in accordance with applicable federal and state laws and regulations.
Certain products, services, and coverage options may not be available in all states or jurisdictions. Product descriptions are general summaries only. Official policy documents and carrier materials govern coverage, exclusions, limitations, and benefits.
11. Changes to These Terms
DeclanCo Benefits may modify these Terms of Use at any time. Updated versions will be posted on this website with a revised "Last Updated" date.
Continued use of the website after revised Terms become effective constitutes acceptance of those changes.
12. Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to conflict-of-law principles.
Any dispute arising from or relating to these Terms or use of the website shall be brought exclusively in a court of competent jurisdiction located within Arizona.
13. Contact Information
DeclanCo Benefits
Attn: Compliance & Privacy Administration
Email: info@declanco.com
Phone: 602-600-6573
Questions regarding these Terms of Use may be directed to the contact information above.