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Terms of Use

Effective Date: June 25, 2026 Last Updated: June 25, 2026

These Terms of Use ("Terms") govern your access to and use of the websites youbenefit.us and youbenefit.solar (each a "Site," together the "Sites") and the informational and lead-connection services we offer through them (the "Services").

The Sites are operated by You Benefit Insurance Services (which operates youbenefit.us as a licensed insurance brokerage, National Producer Number 8694362) and You Benefit Solar LLC (which operates youbenefit.solar as an independent licensed California solar agency). The two brands are operated by the same team under common ownership and share these Terms.

Which entity you are contracting with. You contract only with the entity that operates the specific Site and Service you use: insurance-related Services on youbenefit.us are provided by You Benefit Insurance Services; solar-related Services on youbenefit.solar are provided by You Benefit Solar LLC. The two entities' obligations and liabilities under these Terms are several, not joint — neither entity is responsible for the other's Services. The non-operating entity, and our sister brand, are intended third-party beneficiaries of the disclaimers, limitation of liability, indemnification, and dispute-resolution provisions below, but only as those provisions relate to the Site and Service you actually used.

In these Terms, "You Benefit," "we," "us," and "our" refer to You Benefit Insurance Services and/or You Benefit Solar LLC, as applicable to the Site and Services you are using. "You" and "user" mean the person accessing or using the Sites; where you submit a request on behalf of an employer or other organization, "you" also includes that organization (see Section 2).

Quick summary (not a substitute for the full Terms). We run informational, lead-generation websites. We do not sell, bind, or close anything on the Sites, and no payments are taken on the Sites. When you submit a form, you are asking us to connect you with third parties — licensed insurance carriers and advisors (for insurance) or independent licensed solar installers (for solar) — who may then contact you and prepare quotes. We are a broker/agency, not the insurer and not the installer. We do not guarantee coverage, approval, savings, pricing, or any result. Any quote or figure you see is an estimate, not a binding offer. Your separate agreement with a carrier or installer governs that relationship. Section 17 contains a binding individual-arbitration agreement and a class-action waiver (with a 30-day opt-out). Your personal information is handled under our Privacy Policy.

1. Acceptance of These Terms

You accept these Terms by submitting any form on the Sites (for example, a quote or contact request). When you submit a form, you agree to these Terms and to our Privacy Policy, which is incorporated into these Terms by reference. We also make these Terms available through a link in the footer of each Site and adjacent to the forms you submit. If you do not agree to these Terms, do not submit a form or use the Services.

Because the Services are provided at no charge and acceptance occurs at the point you submit a request, the notice at each form will state that, by clicking the submit button, you agree to these Terms and the Privacy Policy. We record the version of these Terms in effect, along with the date and time of your submission, so the version you accepted can be identified later.

2. Eligibility and Age

The Sites and Services are intended only for United States residents who are at least 18 years old (the age of majority) and who are legally able to enter into a binding contract. By using the Sites, you represent that you meet these requirements.

If you submit a request on behalf of an employer, business, or other organization (for example, to obtain group health or benefits information), you represent that you are authorized to act for and bind that organization to these Terms, and "you" includes that organization.

Submitting a request from outside our service area does not obligate us to act on it or to connect you with any third party.

The Sites are not directed to children, and we do not knowingly collect personal information from children. See the Privacy Policy for details on children's privacy.

3. What We Do — We Connect, We Do Not Insure or Install

The Sites are informational and lead-generation only. When you submit a quote or contact request, you are asking us to connect you with third parties. No payments, purchases, applications, or binding transactions occur on the Sites.

Insurance (You Benefit Insurance Services). We are a licensed insurance brokerage (NPN 8694362) that helps connect consumers and employers with third-party licensed insurance carriers and advisors. Insurance policies are issued, underwritten, approved, bound, and serviced solely by those third-party carriers. We are not an insurance company, carrier, or underwriter. We do not underwrite, approve, bind, or guarantee coverage. Any policy is a contract between you and the carrier.

Solar (You Benefit Solar LLC). We are an independent licensed California solar agency that connects consumers with vetted, independent, third-party licensed solar installers/contractors who compete to quote and who contract directly with you to perform the work. We are not a solar installer, contractor, engineering/procurement/construction (EPC) firm, or equipment manufacturer. We do not design, sell, install, finance, or warrant any solar system or equipment. The installation contract is solely between you and your chosen licensed contractor.

Any policy, contract, financing arrangement, installation, or purchase is formed separately and directly between you and the third-party carrier, advisor, or installer — not with us.

Compensation. We may receive compensation (such as a referral fee or commission) from the third parties to whom we connect you. This is how the Services are provided to you at no charge.

4. Information You Provide

You agree to provide true, current, accurate, and complete information in any form or quote request, and to keep it accurate.

5. Communications Consent (Phone, Email, and Text)

By submitting a request, you consent to be contacted by us and/or the matched third-party carriers, advisors, or installers by phone, email, and SMS/text at the contact information you provide, including via automated technology and for quote follow-up and related marketing. Consent to be contacted is not a condition of any purchase.

The detailed terms governing calls and text messages — including TCPA-related disclosures and the identity of (or a link to) the specific parties who may contact you — are presented to you at the form where you submit your request and are further described in Section 8 of the Privacy Policy, which controls and is incorporated here by reference. These Terms do not create a separate or conflicting text-messaging program.

If you are a California resident, you may exercise your right to opt out of the "sale" or "sharing" of your personal information as described in the Privacy Policy; the Privacy Policy controls how that right is honored (see Section 24).

6. Accounts

The Sites currently do not require account registration and have no on-site login or payment feature. If we later offer a login, portal, or saved-quote feature, you will be responsible for safeguarding your credentials, for all activity under your login, and for promptly notifying us of any unauthorized use. Any such feature will be offered under these Terms.

7. Intellectual Property and Limited License

All content on the Sites — including design, layout, text, graphics, logos, trademarks (including the You Benefit Insurance Services and You Benefit Solar marks), images, and software — is owned by or licensed to You Benefit and is protected by United States and international intellectual property laws.

We grant you a limited, revocable, non-exclusive, non-transferable license to access and view the Sites solely for your personal or internal business evaluation of our Services.

Except as permitted by applicable law (including fair use), you may not, without our prior written permission:

Nothing in this Section restricts standard search-engine indexing, good-faith security research, or the use of assistive or accessibility technologies, in each case as permitted by applicable law.

Third-party names and logos (such as those of carriers or installers) are the property of their respective owners and are used for identification only, not as an endorsement. All rights not expressly granted are reserved.

8. Acceptable Use

You agree not to:

We may investigate suspected violations, suspend or block access, and report conduct to the appropriate authorities.

9. Third-Party Carriers, Advisors, Installers, and Sites

The Sites connect you with, and may link to, independent third parties — including insurance carriers and advisors, solar installers and contractors, financing providers, affiliated or sister sites, and other external websites — over whom we have no control.

10. No Guarantees — Coverage, Approval, Savings, Pricing, or Results

We do not guarantee that you will qualify for, be approved for, or be offered any insurance coverage or solar installation. We do not guarantee any particular premium, rate, price, rebate, incentive, tax credit, savings, payback period, energy production, or any other result.

Eligibility and final terms are determined solely by the carrier or installer, based on factors outside our control — including underwriting, installer pricing, utility rates, site conditions, your eligibility, and government programs that can change or end. Any savings or figures are illustrative only.

11. Quotes and Figures Are Estimates, Not Offers

Any quote, estimate, rate, premium, savings projection, proposal, or illustration shown on the Sites or provided through the connection Service is preliminary and for informational purposes only. It is not an offer, a binding commitment, or a contract, and it may differ from final terms.

A binding offer exists only when a licensed carrier issues a policy or a licensed contractor signs a written agreement directly with you. We may correct errors in pricing or content at any time.

12. Not Professional Advice

All content on the Sites is general information only. It is not insurance, legal, tax, financial, engineering, or investment advice, and it creates no advisory or fiduciary relationship. Statements about solar incentives or tax credits, and about insurance coverage, are general and are not a determination of your situation.

You should consult your own licensed professional, and the actual carrier or installer, before making any decision.

13. Disclaimer of Warranties

THE SITES, THEIR CONTENT, AND THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, TO THE MAXIMUM EXTENT PERMITTED BY CALIFORNIA LAW. WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND UNINTERRUPTED OR ERROR-FREE OPERATION.

Without limiting the above, WE SPECIFICALLY DISCLAIM:

All content is general information only and is not insurance, legal, tax, or financial advice. Some jurisdictions do not allow certain warranty exclusions, so some of the above may not apply to you.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY CALIFORNIA LAW, YOU BENEFIT (MEANING YOU BENEFIT INSURANCE SERVICES AND YOU BENEFIT SOLAR LLC) AND THEIR OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST SAVINGS, LOST DATA, OR BUSINESS INTERRUPTION, arising out of or relating to your use of the Sites or Services, or to any third-party carrier, advisor, or installer — even if we have been advised of the possibility of such damages and even if a remedy fails of its essential purpose.

OUR TOTAL AGGREGATE LIABILITY for all claims relating to the Sites or Services will not exceed one hundred U.S. dollars (USD $100). (The Sites take no payment, so no amounts are paid to us through the Sites.)

We are expressly not liable for third-party conduct, denied or cancelled coverage, installation or workmanship defects, equipment performance, or any failure to realize estimated savings.

Nothing in these Terms limits or excludes liability that cannot be limited or excluded under California law, including liability for fraud, willful injury, or violation of law (see California Civil Code § 1668), gross negligence, a party's own negligence or willful misconduct where non-waivable, or non-waivable statutory consumer or privacy rights (including under the California Consumer Privacy Act/CPRA). Some states do not allow certain limitations, so some of the above may not apply to you.

15. Indemnification

You agree to indemnify and hold harmless You Benefit (meaning You Benefit Insurance Services and You Benefit Solar LLC) and their officers, employees, and agents from and against any third-party claims, damages, losses, liabilities, costs, and reasonable attorneys' fees arising out of or relating to:

You have no obligation to indemnify us for losses caused by our own negligence or willful misconduct, or for the acts or omissions of any third-party carrier, advisor, or installer to whom we connected you. We may, at our option, participate in the defense of any matter subject to indemnification, and you agree to cooperate reasonably with that defense.

16. Governing Law and Venue

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Subject to the dispute-resolution section below, the exclusive jurisdiction and venue for any dispute not subject to arbitration lies in the state and federal courts located in Sonoma County, California (Petaluma), and you consent to personal jurisdiction there. Mandatory consumer-protection statutes of your home state may still apply where they cannot be waived.

17. Dispute Resolution — Informal Resolution, Arbitration, and Class-Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES MOST DISPUTES TO BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION, WAIVES YOUR RIGHT TO A JURY TRIAL, AND WAIVES YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION. YOU MAY OPT OUT WITHIN 30 DAYS (SEE SUBSECTION (e)).

a) Informal resolution first. Before starting any arbitration or lawsuit, you agree to first send a written notice of dispute to us at info@youbenefitca.com (or the mailing address in Section 26) describing the dispute and the relief sought, and to allow at least 30 days for the parties to attempt to resolve it informally.

b) Binding individual arbitration. Except as carved out below, any dispute arising out of or relating to these Terms or the Sites that is not resolved informally will be resolved by binding individual arbitration under the Federal Arbitration Act, administered by the American Arbitration Association (AAA) or JAMS under their applicable consumer arbitration rules in effect when the demand is filed, with a seat in or near Sonoma County, California, or as otherwise determined under the administrator's rules (including procedures for telephonic or video participation based on your locale). We will pay arbitration filing and administrative fees to the extent required by the administrator's consumer rules and beyond what you would pay to file in court.

Delegation. The arbitrator — and not any court — has exclusive authority to resolve threshold questions about the existence, scope, interpretation, applicability, or enforceability of this arbitration agreement, except that a court (not the arbitrator) decides whether the class-action and class-arbitration waiver in subsection (c) is enforceable.

Coordinated and mass filings. If 25 or more similar demands for arbitration are filed by or with the assistance of the same or coordinated counsel, the parties agree that the administrator's Mass Arbitration Supplementary Rules and any applicable batching, bellwether, or staged-filing-fee procedures will apply to manage and sequence those claims efficiently, and that the outcomes of the bellwether arbitrations may be used to inform a global mediation of the remaining claims before further filing fees are incurred.

c) Class-action and jury-trial waiver. To the maximum extent permitted by law, disputes will be arbitrated only on an individual basis. You and we waive any right to a jury trial and waive any right to bring or participate in a class action, collective action, or class arbitration.

d) Carve-outs. Either party may (i) bring an individual claim in small-claims court, and (ii) seek injunctive or other equitable relief to protect intellectual property or address misuse of the Sites. Nothing here waives a claim for public injunctive relief that cannot be waived under California law (the McGill v. Citibank rule), or any other non-waivable statutory right.

e) Opt-out. You may opt out of this arbitration and class-waiver section by sending written notice to info@youbenefitca.com (or the mailing address in Section 26) within 30 days of the date you first accepted these Terms (the date and time of your first form submission, which we record). Opting out will not affect any other part of these Terms. We will treat a timely opt-out as effective and will confirm receipt where you provide a return address.

f) Reverse severability ("blow-up"). If the class-action/class-arbitration waiver in subsection (c) is found unenforceable as to any claim, then the agreement to arbitrate is void as to that claim only, which will instead proceed in the courts identified in Section 16. The general severability rule in Section 19 does not apply to subsection (c).

18. Changes to These Terms

We may modify these Terms. Non-material changes are effective when posted with an updated "Last Updated" / "Effective Date." For material changes — including any change to the dispute-resolution, arbitration, class-waiver, or limitation-of-liability provisions — we will provide reasonable notice (for example, a notice on the Sites and, where we have your contact information, by email), and we will re-present the acceptance notice at the next form you submit so you can review and accept the updated Terms. Material changes will not apply retroactively to a dispute that has already arisen. We archive and timestamp each version of these Terms and record which version you accepted. Your continued use of the Sites after non-material changes take effect constitutes acceptance of those changes.

19. Severability

If any provision of these Terms is held invalid, illegal, or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or severed if it cannot be, and the remaining provisions will remain in full force and effect. This severability rule does not apply to the class-action/class-arbitration waiver in Section 17(c), which is governed by the reverse-severability provision in Section 17(f).

20. Termination and Suspension

We may suspend, restrict, or terminate your access to the Sites at any time, with or without notice or cause, including for any breach of these Terms or suspected fraud or abuse. Termination does not affect rights or obligations that accrued before termination. The following sections survive termination: 4 (Information You Provide), 5 (Communications Consent), 7 (Intellectual Property and Limited License), 9 (Third-Party Carriers, Advisors, Installers, and Sites), 10 (No Guarantees), 11 (Quotes and Figures Are Estimates), 12 (Not Professional Advice), 13 (Disclaimer of Warranties), 14 (Limitation of Liability), 15 (Indemnification), 16 (Governing Law and Venue), 17 (Dispute Resolution), 19 (Severability), 21 (Entire Agreement), 22 (Assignment), 23 (Force Majeure), and 24 (Privacy Policy).

21. Entire Agreement and Order of Precedence

These Terms, together with the incorporated Privacy Policy and any other policies or notices referenced here, constitute the entire agreement between you and the You Benefit entity you contracted with regarding the Sites, and supersede any prior understandings. No failure to enforce any provision waives it.

These Terms govern the Sites only. They do not govern your separate contract with any carrier or installer — that third-party contract controls that transaction. If anything in these Terms conflicts with the Privacy Policy regarding data practices, the Privacy Policy controls.

22. Assignment

You may not assign or transfer these Terms or any rights or obligations under them without our prior written consent, and any attempt to do so is void. We may assign these Terms, including to an affiliate under common ownership or in connection with a merger, acquisition, reorganization, or sale of assets, without your consent. These Terms bind permitted successors and assigns.

23. Force Majeure

We are not liable for any failure or delay in performance or in Site availability caused by events beyond our reasonable control, including acts of God, natural disasters (such as wildfire or earthquake), power, internet, or hosting outages, cyberattacks, labor disputes, government action, pandemics, and supply-chain disruption. This does not relieve you of any obligation that has already accrued.

24. Privacy Policy

Our separate Privacy Policy is incorporated into these Terms by reference and governs how we collect, use, and share personal information — including the consumer-directed sharing of your lead with carriers, advisors, and installers, which the Privacy Policy treats as a "sale" or "share" under the California Consumer Privacy Act (CCPA/CPRA), and the privacy rights available to California residents (including the right to opt out of the sale or sharing of personal information). By using the Sites, you agree to the Privacy Policy. Nothing in these Terms waives any privacy right that cannot be waived under California law (see California Civil Code § 1798.192). If anything in these Terms appears to conflict with the Privacy Policy regarding data practices, the Privacy Policy controls.

25. Licensing and Regulatory Disclosures

Insurance. You Benefit Insurance Services operates under National Producer Number 8694362 and offers insurance Services only in states where it and the relevant carrier are licensed and appointed — currently California, Colorado, Texas, Georgia, South Carolina, Tennessee, and Kansas. Availability varies by state. We do not issue, underwrite, or bind insurance; carriers do.

Solar. You Benefit Solar LLC is an independent licensed California solar agency. It does not itself perform construction, electrical, engineering, or contracting work. All installation work is performed by separately licensed California contractors (CSLB-licensed) who contract directly with you and who are responsible for licensing, permits, code compliance, and workmanship. Your installer is required to provide any legally required consumer disclosures (such as the CSLB Solar Energy System Disclosure Document) in your direct contract with that installer; the binding version of any such disclosure is in the installer's contract, not on the Sites.

We do not provide the regulated insurance or solar product ourselves.

26. Contact Us

For questions about these Terms, or to send legal notices (including a notice of dispute or an arbitration opt-out under Section 17), contact us:

For insurance matters, the responsible entity is You Benefit Insurance Services; for solar matters, it is You Benefit Solar LLC. Please send notices to the address above (or to info@youbenefitca.com) and indicate which brand your matter concerns.

DISCLAIMER: This document is provided for general informational purposes only and is not legal advice. It was prepared as a draft and has not been reviewed by a licensed attorney. It does not create an attorney-client relationship. Before publishing or relying on these Terms, have them reviewed by qualified legal counsel — in particular, the acceptance/assent mechanism (Section 1), the arbitration and class-action waiver (Section 17), and the limitation of liability (Section 14), all of which raise California-specific enforceability and consumer opt-out considerations that counsel must confirm. Verify all entity names and legal forms (including whether "You Benefit Insurance Services" is itself an LLC/Inc. or a DBA), the NPN (8694362), the list of served states, the CSLB-licensed-contractor framing, and the applycoverage.com relationship before going live.

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