Last Modified: January 10, 2022
Welcome to IndependenceBrokerageGroup.com We want you to be familiar with your rights and obligations relating to use of our website and services. Please, carefully review all the terms below.
Here are a few important points:
This website (“Site”) is owned and operated by Independence Brokerage Group, Inc. (collectively referred to as “IBG”, “we”, “us” or “our”), which owns this domain. Through this Site, IBG provides you with access to a variety of resources, including content (which may in some cases be downloadable), communication forums, personal web pages or profiles, service and product information, and other interactive features (including the Site, collectively, “Services”). By using or accessing the Services, or any of the Site’s Elements (as defined below), you acknowledge that you agree to and are subject to the following terms and conditions of service (the “Terms”). The Terms constitute a legally binding agreement between you and IBG as the owner and operator of the Services. You covenant, represent, and warrant that you have any and all authorizations as may be necessary to enter into this agreement and that your use of the Services, including provision or use of any Content (defined below), does not violate any applicable law. If you are using the Services on behalf of an employer or other entity, you represent and warrant that you have the authority to bind such entity to the Terms. Only residents of the United States (including its territorial possessions) who are at least eighteen (18) years of age are authorized to access and use the Services.
If you do not agree to these Terms, you are not authorized to access or use the Services. Stop using any resources we make available and exit the Site and do not engage with the Services.
We reserve the right, in our sole discretion, to change, modify, add, or remove any portion of these Terms, in whole or in part, at any time. We will post a revised version of these Terms on the Site and the revised Terms will be effective immediately thereafter. Your submission of an inquiry and/or other use of the Services following the posting of any such change, modification, or amendment to these Terms will constitute your acceptance of the amendments. When we post changes to these Terms, we will revise the “last updated” date for these Terms. You should periodically review the “last updated” date at the top of these Terms so that you can familiarize yourself with any changes. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you.
Notice Regarding Dispute Resolution: These Terms contain provisions that govern how disputes between you and IBG are resolved, including an agreement to arbitrate, which will, with limited exception, require you to submit claims you have against us to binding and final arbitration and limit you to claims against IBG on an individual basis.
As part of your use of the Services, you may be able to post content, including social media content, on this website or on our other online properties linked to this website. Any content of any kind that you post to the Services (“Content”) will be considered non-confidential and non-proprietary.
No compensation will be paid with respect to the use of your Content, as provided herein. When you post Content, you grant us and our designees ownership of all the Content including all patents, copyrights, trademarks, and other intellectual property in the content. You grant us the perpetual, worldwide, non-exclusive, transferrable, assignable, sublicensable, perpetual, irrevocable, royalty-free license to edit, adapt, modify, reproduce, promote, publish, create derivative works of, perform and otherwise use the Content in any way and in any media for trade, advertising, promotional, or any other purposes, and use, make, have made, sell, offer for sale, import and export products and services based on such Content, as we and our designees may determine or see fit, without having to seek permission from, and without consideration or notification to you or any third party. You also agree that we may replicate and re-post any of the Content on any of the Services or other online properties as determined by us in our sole discretion, for visitors to the website(s) to view. IBG may remove any Submission at any time in its sole discretion.
By posting Content, you represent and warrant that you own all right, title and interest and have obtained all appropriate permissions and releases to grant us ownership of the Content. You agree that your rights in the Content include and are not limited to all right, title and interest to any patent, trademark, trade secret, copyright or other proprietary rights, including, but not limited to, privacy and publicity rights in the Content and all rights for us to use the Content. We may disclose your identity to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.
Any content and/or opinions uploaded, expressed or submitted to the website, and all articles and responses to questions and other content, other than the content provided by IBG, are solely the opinions and the responsibility of the person or entity submitting them and do not necessarily reflect the opinion of IBG. We are not responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of the website.
PLEASE BE ADVISED THAT WE ARE NOT AN INSURANCE PLAN AND WE DO NOT PROVIDE MEDICAL CARE. This website is provided as a service to IBG’s customers, employees, and others interested in our company.
Importantly, this limited license does not include any right of collection, aggregation, copying, duplication, display, or modification of the Services nor any right of use of data mining, robots, spiders, or similar data gathering and extraction tools without our prior written permission; provided, however, that a limited exception from the foregoing exclusion is provided to general purpose internet search engines and non-commercial public archives that use tools to gather information for the sole purpose of displaying hyperlinks to the Services, provided that they each do so from a stable IP address or range of IP addresses using an easily identifiable agent and comply with our robots.txt file.
The Services are protected by copyright as a collective work and/or compilation, pursuant to U.S. copyright laws, international conventions, and other copyright laws. The text, files, images, photos, maps, and other materials, including Content, on and/or available through the Services (collectively, the “Elements”) are only for each user’s personal use in accordance with the limited license grant contained herein or also pursuant to any separate written agreement. All Elements of the Services, and the Services themselves, are protected by copyright and database rights, and you will abide by any and all additional copyright (or other proprietary) notices, information, or restrictions contained in or relating to any Elements of the Services. Copying or storing of any Elements other than for your personal, noncommercial use is expressly prohibited without the prior written permission from us or the applicable copyright holder. All trade and service marks and logos used on or available through the Services (including, without limitation, a website or service’s domain name) are the exclusive property of IBG or its licensors (as applicable), you may not copy or use them in any manner and all goodwill arising from the usage thereof shall inure to our (or our licensors’, as applicable) sole benefit.
Unless otherwise provided within these Terms, or unless otherwise applicable law requires us to allow you to do so, you may not do any of the following without our prior written consent:
If we believe that you are engaging in any activity through or in connection with the Services that appears to be in violation of the above, or in violation of any other provision of these Terms, or a violation of applicable law or regulations, we may, without limiting our other rights and remedies, immediately terminate any further use of the Services by you without notice.
We may change, remove, suspend, or discontinue any aspect of the Services at any time, including the availability of any Site features, related interactive features, Elements, or database without notice. We may also impose limits on certain features or services or restrict your access to parts or all of the Services without notice to you or liability to us.
Each user acknowledges and agrees that, regardless of such user’s physical location, we may store and process any data transmitted to the Services from such user at locations within the United States.
If you create an IBG user account, we verify your identity. We encourage you to use appropriate caution with anyone with whom you may be doing business via the Services or the Internet, generally. EACH USER ACKNOWLEDGES AND AGREES THAT: (i) NEITHER IBG NOR ANY OF ITS AFFILIATES WILL HAVE ANY LIABILITY TO ANY USER FOR ANY UNAUTHORIZED TRANSACTION MADE USING ANY USER’S ONLINE ID AND PASSWORD THAT OCCURS BEFORE SUCH USER HAS NOTIFIED US OF POSSIBLE UNAUTHORIZED USE OF SUCH ONLINE ID AND PASSWORD AND WE HAVE HAD A REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE; AND (ii) THE UNAUTHORIZED USE OF YOUR ONLINE ID AND PASSWORD COULD CAUSE YOU TO INCUR LIABILITY TO BOTH IBG AND OTHER USERS. Further, we may suspend or cancel your account or your access to the Services at any time with or without notice if we suspect that your account and/or password is being used in an unauthorized or fraudulent manner.
IN NO EVENT WILL IBG, OUR AFFILIATES, OFFICERS, MEMBERS, MANAGERS, DIRECTORS, AGENTS AND/OR EMPLOYEES (COLLECTIVELY, THE “IBG GROUP”) BE LIABLE FOR ANY LOST PROFITS OR DATA OR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES ARISING OUT OF, BASED ON, OR RESULTING FROM OUR SITES OR SERVICE, THESE TERMS, YOUR USE OF THE SERVICES, OR THE SERVICE AND/OR ANY TRANSACTION BETWEEN YOU AND OUR SERVICE PROVIDERS(S) BETWEEN SITE USERS, GENERALLY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE LIMITATIONS AND EXCLUSIONS APPLY WITHOUT REGARD TO WHETHER THE DAMAGES ARISE FROM (i) BREACH OF CONTRACT, (ii) BREACH OF WARRANTY, (iii) STRICT LIABILITY, (iv) TORT, (v) NEGLIGENCE, OR (vi) ANY OTHER CAUSE OF ACTION, TO THE MAXIMUM EXTENT SUCH EXCLUSION AND LIMITATIONS ARE NOT PROHIBITED BY APPLICABLE LAW. IF YOU ARE DISSATISFIED WITH THE SERVICES, IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS, OR IF YOU HAVE ANY OTHER DISPUTE OR CLAIM WITH OR AGAINST THE IBG GROUP, ANOTHER USER OR THE SERVICES WITH RESPECT TO THESE TERMS, OR THE SERVICES FOR ANOTHER REASON, THEN YOUR SOLE AND EXCLUSIVE REMEDY AGAINST US IS TO DISCONTINUE USING THE SITE OR THE OTHER SERVICES. IN ALL EVENTS, OUR LIABILITY, AND THE LIABILITY OF ANY MEMBER OF IBG TO YOU OR TO ANY THIRD PARTY IN ANY CIRCUMSTANCE ARISING OUT OF OR IN CONNECTION WITH SERVICES, IN THE AGGREGATE FOR ANY AND ALL CLAIMS, IS LIMITED TO $100.00.
THE SERVICES, INCLUDING ALL CONTENT, SOFTWARE, FUNCTIONS, SERVICES, MATERIALS AND INFORMATION MADE AVAILABLE ON OR ACCESSED THROUGH THE SERVICES, ARE PROVIDED “AS IS.” WE EXPRESSLY DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, COMPLETENESS AND ACCURACY. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT AVAILABLE THROUGH THE SERVICES, MATERIALS, INFORMATION, AND FUNCTIONS MADE ACCESSIBLE BY THE SOFTWARE USED ON OR ACCESSED THROUGH THE SERVICES, FOR ANY PRODUCTS OR SERVICES OR HYPERTEXT LINKS TO THIRD PARTIES, OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SERVICES. WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN ANY OF THE SERVICES, MATERIALS OR CONTENT CONTAINED THEREIN WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICES OR THE SERVERS THAT MAKES THEM AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
In the event that you have a dispute with one or more other users of the Services (including, without limitation, any dispute regarding any transaction), you hereby agree to release, remise, and forever discharge the Services and each member of IBG, each of their respective agents, directors, officers, members, managers, employees, successors, and all other related persons or entities from any and all manner of rights, claims, complaints, suits, demands, causes of action, proceedings, liabilities, obligations, legal fees, costs, and disbursements of any nature whatsoever, whether known or unknown, which now or hereafter arise from, relate to, or are connected with such dispute and/or your use of the Services. If you are a California resident, you waive California civil code section 1542, which says: “a general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which, if known by him or her must have materially affected his or her settlement with the debtor” (or any equivalent statutory provision with a similar import or intent). If you are a resident of a state other than California, you explicitly waive the terms and protections of any statute of your own state that has a similar import or intent.
You hereby agree to indemnify, defend and hold IBG, its affiliates, and each of its and their directors, managers, officers, and employees (collectively, the “indemnified parties”) harmless from and against any and all liability and costs (including, without limitation, attorneys’ fees and costs) incurred by the indemnified parties in connection with any claim arising out of your use of the Services (including, without limitation, any dispute regarding any transaction), any act (or failure to act) by you or other users of your account or any breach by you of these terms or the representations, warranties, and covenants made by you herein. You shall cooperate as fully as reasonably required in the defense of any claim. IBG reserves the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not, in any event, settle any matter without our prior written consent.
SHOULD A DISPUTE ARISE BETWEEN YOU AND IBG (OR, WITH RESPECT TO DISPUTES INVOLVING YOUR DATA SUBMITTED THROUGH ANY SITE OR THE SERVICE, BETWEEN YOU AND ANY PERSON WHO PURCHASES SUCH DATA) CONCERNING THE TERMS AND CONDITIONS OF THESE TERMS, THE BREACH OF SAME BY ANY PARTY HERETO, ANY DATA SUBMITTED BY YOU, THE SERVICES OR ANY OTHER PRODUCTS OR SERVICES PROVIDED BY IBG, YOU AGREE TO SUBMIT THE DISPUTE FOR RESOLUTION BY ARBITRATION BEFORE THE AMERICAN ARBITRATION ASSOCIATION IN ACCORDANCE WITH ITS THEN-CURRENT CONSUMER ARBITRATION RULES, AS MODIFIED BY THESE TERMS. SUCH ARBITRATION SHALL BE ADMINISTERED BY A SINGLE ARBITRATOR. THE ARBITRATOR IS BOUND BY THESE TERMS AND MUST ISSUE A WRITTEN DECISION SUFFICIENT TO EXPLAIN THE ESSENTIAL FINDINGS AND CONCLUSIONS ON WHICH AN AWARD IS BASED. ALL ISSUES ARE FOR THE ARBITRATOR TO DECIDE, EXCEPT THAT ISSUES RELATING TO THE SCOPE AND ENFORCEABILITY OF THE ARBITRATION PROVISIONS IN THIS SECTION ARE FOR A COURT TO DECIDE. ANY AWARD RENDERED SHALL BE FINAL AND CONCLUSIVE TO THE PARTIES, AND A JUDGMENT THEREON MAY BE ENTERED IN ANY COURT OF COMPETENT JURISDICTION. IN THE EVENT THAT ONE OF THE PARTIES TO THE DISPUTE IS A PERSON WHO PURCHASES YOUR DATA SUBMITTED THROUGH THE SERVICES, THEN SUCH ARBITRATION SHALL BE CONDUCTED IN A LOCATION CONVENIENT TO YOU; OTHERWISE, THE ARBITRATION SHALL BE CONDUCTED IN NEW CASTLE COUNTY, DELAWARE. YOU MAY OPT-OUT OF THIS ARBITRATION REQUIREMENT BY NOTIFYING IBG IN WRITING AT IHC SPECIALTY BENFITS, INC., ATTN: LEGAL DEPT., 5353 WAYZATA BLVD UNIT 300, SAINT LOUIS PARK, MN 55416. THIRTY (30) DAYS AFTER SUBMITTING YOUR DATA THAT IS INVOLVED IN THE DISPUTE. NOTHING HEREIN SHALL BE CONSTRUED TO PRECLUDE ANY PARTY FROM SEEKING INJUNCTIVE RELIEF IN ANY COURT OF COMPETENT JURISDICTION IN ORDER TO PROTECT ITS INTELLECTUAL PROPERTY OR CONFIDENTIAL INFORMATION.
TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT YOU WILL NOT BRING, JOIN OR PARTICIPATE IN ANY CLASS ACTION LAWSUIT, CLASS-WIDE ARBITRATION, CLAIMS BROUGHT IN A REPRESENTATIVE CAPACITY OR CONSOLIDATED CLAIMS AS TO ANY CLAIM, DISPUTE, OR CONTROVERSY THAT YOU MAY HAVE AGAINST IBG OR ITS AFFILIATES (OR, WITH RESPECT TO CAUSES OF ACTION INVOLVING YOUR DATA SUBMITTED THROUGH THE SERVICES, AGAINST ANY PERSON WHO PURCHASES SUCH DATA), AND/OR THEIR RESPECTIVE EMPLOYEES, OFFICERS, DIRECTORS, MEMBERS, MANAGERS, SHAREHOLDERS, REPRESENTATIVES, AND ASSIGNS. YOU AGREE TO THE ENTRY OF INJUNCTIVE RELIEF TO STOP SUCH A LAWSUIT OR TO REMOVE YOU AS A PARTICIPANT IN THE SUIT. YOU AGREE TO PAY THE ATTORNEYS’ FEES AND COURT COSTS THAT IBG OR ANY PERSON PURCHASING YOUR DATA INCURS IN SEEKING SUCH RELIEF. THIS PROVISION PREVENTING YOU FROM BRINGING, JOINING, OR PARTICIPATING IN CLASS ACTION LAWSUITS AND OTHER CONSOLIDATED CLAIMS IS AN INDEPENDENT AGREEMENT AND DOES NOT CONSTITUTE A WAIVER OF ANY OF YOUR RIGHTS AND REMEDIES TO PURSUE A CLAIM INDIVIDUALLY AND NOT AS A CLASS ACTION IN BINDING ARBITRATION AS PROVIDED ABOVE. ANY PERSON WHO PURCHASES DATA SUBMITTED BY YOU THROUGH THE SERVICES SHALL BE DEEMED A THIRD-PARTY BENEFICIARY OF THE FOREGOING PROVISIONS IN THIS SECTION AND SHALL BE ABLE TO ENFORCE SUCH PROVISIONS DIRECTLY AGAINST YOU. FURTHER, UNLESS BOTH YOU AND IBG AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING. IF THIS SPECIFIC PROVISION IS FOUND TO BE UNENFORCEABLE, THEN THE ENTIRETY OF THIS ARBITRATION PROVISION SHALL BE NULL AND VOID.
The relationship between IBG and each user is that of independent contractors, and no agency, partnership, joint venture, employee-employer, or franchisor-franchisee relations is intended or created by these Terms or your use of the Services.
Except as explicitly stated otherwise, written notices, including all legal notices, to us must be given by certified postal mail, return receipt requested, to:
Independence Brokerage Group, Inc.
c/o IHC Specialty Benefits, Inc.
Attn: Legal Department
5353 Wayzata Blvd., Unit 300
St. Louis Park, MN 55416
IBG may communicate electronically or by postal mail with you about these Terms or the Service. We may send you notice at any email address you may provide to the Services during a registration process or when submitting an inquiry. Notice shall be deemed given upon receipt or twenty-four (24) hours after email is sent, unless the sending party is notified that the email address is invalid. Alternatively, we may give you notice by U.S. Postal Certified Mail or by national courier service, to any mailing address provided to us during a registration process or when submitting an inquiry (as applicable).
As IBG asks others to respect its intellectual property rights, it respects the intellectual property rights of others, and requires its users to do so. If you are a copyright owner or an agent thereof and believe in good faith that any third-party Content on the Services infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act (“DMCA”) by providing our Copyright Agent with the following information in writing (see 17 U.S.C.A. 512(c)(3) for further detail): (i) a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; (ii) identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works on or available through our Sites are covered by a single notification, a representative list of such works at those locations; (iii) identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit IBG to locate the material; (iv) information reasonably sufficient to permit us to contact you, such as an address, telephone number, and, if available, an electronic mail address; (v) a statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (vi) a statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
You acknowledge that if you fail to comply with all of the requirements of this Section, your DMCA notice may not be valid. In the event that you believe IBG removed any of your Content in response to a false notice of copyright infringement, you should notify IBG promptly in writing pursuant to the DMCA, at the mailing address provided above. Such notification should include: (i) your physical or electronic signature; (ii) identification of the Content that has been removed or to which access has been disabled and the location at which the Content appeared before it was removed or disabled; (iii) a statement that you have a good faith belief that the Content was removed or disabled as a result of mistake or a misidentification of the Content; and (iv) your name, address, telephone number, and email address, a statement that you consent to the jurisdiction of the U.S. District Court for the District of Delaware, and a statement that you will accept service of process from the person who provided notification of the alleged infringement. Furthermore, you should include a clear statement of your acceptance of the process pertaining to the notifying party or the agent of the party as defined in DMCA § 512(c)(1)(C). If a counter-notice is received by the Copyright Agent, IBG may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed Content or cease disabling it in ten (10) business days. Unless the copyright owner files an action seeking a court order against the Content provider or user, the removed Content may be replaced, or access to it restored, in ten (10) to fourteen (14) business days or more after receipt of the counter-notice, at our sole and absolute discretion. IBG has a policy of terminating the account of, or denying access or use of the Services to, in its sole and absolute discretion, any user who repeatedly infringes the copyrights or other intellectual property rights of others.
IBG’s designated Copyright Agent to receive notifications of claimed infringement:
Independence Brokerage Group, Inc.
c/o IHC Specialty Benefits, Inc.
Attn: Legal Department
5353 Wayzata Blvd., Unit 300
St. Louis Park, MN 554166
For clarity, only DMCA notices should go to the Copyright Agent; any other feedback, comments, requests for technical support, and other communications should be directed to IBG customer service at firstname.lastname@example.org.
These Terms shall be treated as though they were executed and performed in the State of Delaware and shall be governed by and construed in accordance with the laws of the United States of America and State of Delaware without regard to conflict of law principles.
We do not separately file the Terms entered into by each user of the Services. Please make a copy of these Terms for your records by printing and/or saving a downloaded copy of the Terms on your personal computer.
We welcome your comments, feedback, suggestions, and other communications regarding this Site and the other Services. Please contact us with feedback at email@example.com. Please note our separate address for legal correspondence, above.
Your feedback is site Content as defined in these Terms and will be treated in accordance with the provisions of these Terms. For this reason, we ask that you not send IBG any feedback that you do not wish to license to us as set forth above.
Our mailing address is
Independence Brokerage Group, Inc.
c/o IHC Specialty Benefits, Inc.
5353 Wayzata Blvd., Unit 300
St. Louis Park, MN 55416