Terms & Conditions

A legal disclaimer

Effective Date: January 01, 2026

Welcome to www.baebenefits.com (the “Site”), owned and operated by BAE Benefits, LLC (“BAE Benefits,” “we,” “us,” or “our”).

By accessing or using this Site, you agree to be bound by these Terms & Conditions (“Terms”). If you do not agree, please do not use the Site.

1. Use of the Site

You may use this Site for lawful purposes only. By using the Site, you agree that you will not:

Violate any applicable laws or regulations
Attempt to gain unauthorized access to the Site or its systems
Interfere with the Site’s operation or security
Use the Site for fraudulent or misleading purposes

We reserve the right to restrict or terminate access to the Site at our discretion.

2. Nature of Services

BAE Benefits provides independent benefits consulting and advisory services only.

We are not:

An insurance broker or insurance agent
A third-party administrator
An insurance carrier
A law firm or accounting firm

We do not sell insurance products, place coverage, or receive commissions. Any services are provided pursuant to a separate written consulting agreement. Use of this Site does not create a client, fiduciary, or advisory relationship.

3. No Professional Advice

All content on this Site is provided for general informational purposes only and should not be relied upon as legal, tax, insurance, or financial advice. You should consult qualified professionals before making decisions based on information obtained from this Site.

4. Scheduling, Forms, and Communications

By submitting information through contact forms, scheduling tools, or email links on the Site, you:

Represent that the information provided is accurate
Consent to be contacted by BAE Benefits regarding your inquiry
Understand that submission of information does not create a client relationship

5. Intellectual Property

All content on this Site, including text, graphics, logos, branding, and design elements, is the property of BAE Benefits, LLC and is protected by intellectual property laws. You may not copy, reproduce, modify, distribute, or use any content without prior written consent.

6. Third-Party Links

The Site may contain links to third-party websites for convenience. BAE Benefits does not control and is not responsible for the content, policies, or practices of third-party sites. Accessing third-party sites is at your own risk.

7. Disclaimer of Warranties

This Site is provided “as is” and “as available,” without warranties of any kind, express or implied. We make no guarantees regarding the accuracy, completeness, or availability of the Site or its content.

8. Limitation of Liability

To the fullest extent permitted by law, BAE Benefits shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or related to:

Use or inability to use the Site
Reliance on any information provided on the Site
Errors, omissions, interruptions, or delays

Use of the Site is at your own risk.

9. Indemnification

You agree to indemnify and hold harmless BAE Benefits, LLC from any claims, losses, damages, liabilities, or expenses arising out of your use of the Site or violation of these Terms.

10. Privacy

Your use of the Site is also governed by our Privacy Policy. Please review the Privacy Policy for information on how we collect and use personal information.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state in which BAE Benefits, LLC is organized, without regard to conflict-of-law principles.

12. Changes to These Terms

We may update these Terms at any time. Changes will be effective upon posting to this page. Continued use of the Site constitutes acceptance of the revised Terms.

13. Contact Information

If you have questions regarding these Terms & Conditions, please contact:

BAE Benefits, LLC
Email: rsagar@baebenefits.com
Website: www.baebenefits.com