Terms & Conditions

The following is the Membership Agreement between the sponsoring organization ("We and Us") and the person who has enrolled in the United Benefit Advantage program ("You"). All persons subscribing, "Members," agree to be bound by these terms of Membership and are urged to read them carefully. If you have any questions regarding your Membership, You may contact our customer service center 24 hours a day (excluding holidays) at the toll free number listed on your Membership Card.

Membership benefits
As a Member, You have access to the information provided from the customer service center and other services offered by independent vendors, "Benefits," as specified in this Membership Guide. This is a Membership Program only, and may be discontinued or modified at any time.

Membership terms
Your Membership is effective immediately upon enrollment by You and shall continue until terminated by You at any time by calling Us at the toll free number listed on your Membership Card or by writing Us at the address provided by a United Benefit Advantage customer satisfaction specialist.

Payment of membership fee
The payment of your Membership Fee is made automatically by a charge to the specified billing vehicle authorized by you. If we are unable to bill the Membership Fee to your specified billing vehicle at any time, we reserve the right to terminate your Membership without notification. You may cancel your Membership within 30 calendar days of joining and may be entitled to a complete refund of all Membership Fees excluding any one time enrollment fee.

Renewal of membership
This Membership automatically renews either monthly or annually (depending on the option selected) indefinitely without action by You, and the Membership fee is charged to You at the time of renewal. A Member whose membership fee has been paid is entitled to all privileges included in the United Benefit Advantage program until the Membership has been cancelled by you or US. If canceled You shall lose access to the Benefits as well as the areas of the web site designated for Members only. You may cancel at any time by calling Us at the toll free number listed on your Membership Card or by writing Us at the address provided by a United Benefit Advantages customer satisfaction specialist However, please note that neither full nor pro-rated refunds will be given for the current month/year.

Use of membership
Your Membership is non-assignable and non-transferable. You agree that only you may use the Benefits included in the United Benefit Advantage program.

Disclaimer of liability
United Benefit Advantage and/or the sponsor, do not guarantee, nor are responsible for, the quality of products or services provided by any independent vendors. United Benefit Advantage and the sponsor are making no representations with respect to those matters. In the event any benefit is deemed unsatisfactory to the Member, the Member will look solely to the provider of the product or service for rectification. Accordingly, United Benefit Advantage and the sponsor make no warranty, expressed or implied, including but not limited to the warranty of merchantability or fitness for a particular purpose with respect to any of Services obtained by you. Our liability shall not exceed your current Membership Fee and under no circumstances shall we be liable for incidental, consequential or exemplary damages. We may revoke, repossess, modify or cancel the services at any time. You represent that you have read this Agreement and understand the terms, and conditions and you agree to be legally bound by them. Use of the Membership is governed by the terms, and conditions set forth herein when issued and retained, and any use of the Membership constitutes acceptance thereof.

Entire agreement
This Agreement contains all of the terms and conditions of Membership and no representations, inducements, promises or agreements concerning the Membership not included in this agreement shall be effective or enforceable. If any of the terms of this Agreement shall become invalid or unenforceable, the remaining terms shall not be effected.

Reservation of rights
We reserve the right to eliminate, add, change, and substitute Benefits and participating vendors without notice to you. We further reserve the right to change the terms and conditions of this agreement and any Membership policies at any time without notice.

Governing law
This Agreement and the terms of the Membership shall be interpreted, construed, and enforced exclusively according to the laws of the state of Illinois. For any disputes regarding this agreement you irrevocably consent to exclusive jurisdiction and venue before any federal or state court residing only in Chicago, Illinois to whose personal jurisdiction you agree to submit. However, nothing in this agreement is intended or shall be construed to negate or otherwise affect the consumer protection laws of the state in which you reside.