Terms of Service

Clienttech Benefits LLC dba Smart Spend Health

Effective Date: August 1, 2025

1) Acceptance of Terms

By accessing smartspendhealth.com (the “Site”), you agree to these Terms of Service (“Terms”). If you disagree, do not use the Site.

2) What We Do

We provide informational content and collect business leads related to benefits/health-spend optimization solutions (the “Service”) and may refer or introduce you to third-party providers.

3) No Medical, Legal, Tax, Investment, or Insurance Advice

All content and communications are for informational purposes only and do not constitute medical, legal, tax, investment, ERISA, or insurance advice. Consult qualified professionals. No fiduciary relationship is created by accessing the Site or submitting information.

4) Not a Provider or Plan Sponsor

We are not a health-care provider, insurer, plan sponsor, or administrator, and we do not deliver medical services or arrange care.

5) Eligibility & Your Responsibilities

The Site is intended for U.S. businesses. You represent you have authority to submit your company’s information and that submissions are accurate and lawful.

6) Fees

There is no fee to use the Site or submit a form. If you later engage a third-party provider, your commercial terms will be with that provider.

7) Intellectual Property

All Site content (text, graphics, logos) is owned by Clienttech Benefits LLC or its licensors and may be used only for internal business evaluation.

8) Prohibited Uses

You will not: (a) misrepresent your identity; (b) use the Site to send unlawful or unsolicited bulk messages; (c) attempt to interfere with, scrape, or reverse-engineer the Site; or (d) use the Site in violation of law.

9) Third-Party Services & Links

The Site may link to or integrate with third parties (e.g., Jotform, GHL, analytics/ads platforms). We are not responsible for those sites’ content, security, or terms. Your use of third-party services is governed by their policies.

10) Disclaimers & Limitation of Liability

The Site and Service are provided “as is” without warranties. To the fullest extent permitted by law, we disclaim all warranties and will not be liable for indirect, incidental, consequential, special, or punitive damages, even if advised of the possibility.

11) Indemnification

You agree to indemnify and hold harmless Clienttech Benefits LLC and its affiliates from claims, damages, and costs arising from your submissions, use of the Site, or violation of these Terms.

12) Governing Law & Venue

These Terms are governed by Michigan law. Exclusive venue lies in the state or federal courts located in Ingham County, Michigan.

13) Changes to Terms

We may modify these Terms at any time by posting the updated version with a new Effective Date. Continued use after changes means you accept the updated Terms.

14) Contact

Support and legal notices: [email protected] or mail the address above.