Terms and Conditions for www.e2bp.com

Effective Date: January 1, 2025

Welcome to www.e2bp.com (the "Website"), owned and operated by Senior Minds Advisory, LLC ("we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of our Website and the information and services provided herein, including details about the E2BP Benefit Program (the "Program").

By accessing or using our Website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Website.

1. Description of Service

The Website provides information about the E2BP Benefit Program. This Program is designed to save employers money and increase employee paychecks by utilizing mechanisms such as IRS Section 125 Cafeteria Plans and FICA tax savings. The Program also offers a range of health and wellness benefits, which may include features like no copay, no deductibles, and no coinsurance for certain services.

2. Program Information

The E2BP Benefit Program aims to provide:

• Actual savings for employers. For example, illustrative savings could be $47.80 per employee per month, which for a company with 30,000 employees, could realize annual savings of $17,208,000.
• Increased net paychecks for employees. For example, an illustrative increase could be $111.28 per employee per month, which for a company with 30,000 employees, could realize $40,060,800 in increased net cash paid to employees annually.
• Complementary or primary health benefits, potentially featuring comprehensive coverage with no copay, no deductibles, and no coinsurance for specific services. Benefits may include unlimited primary care and urgent care visits, 100% preventive care, specific prescription copay structures (e.g., $0.00 - $1.00 copays), direct primary care, mental and behavioral health services, and virtual veterinary consultations.

The Program is structured within the framework of the IRS Section 125 Cafeteria Plan, which has been in operation since 1978. It seeks to reduce taxable income for companies and increase net take-home pay for employees by leveraging deductions before federal, state, and FICA taxes are calculated.

3. No Legal, Tax, or Financial Advice

The content on this Website, including descriptions of the Program, potential savings, and references to IRS sections or tax implications (such as FICA tax savings), is for informational purposes only. It does not constitute legal, tax, financial, or investment advice. We are not financial advisors, tax advisors, or legal professionals.

You should consult with qualified legal, tax, and financial professionals before making any decisions based on the information provided on this Website or in relation to the Program. The applicability of the Program and its benefits can vary based on individual and company circumstances and changes in regulations. Any examples of savings or market value increases (e.g., a 25x P/E value index on savings) provided are illustrative and not guarantees of actual results.

4. No Medical Advice

While the Program includes health and wellness benefits, the information provided on the Website is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read on this Website.

5. Eligibility and Implementation

The E2BP Benefit Program is typically approved at the company's management level. According to program design, no employee interaction or approval may be required to implement the E2BP Benefit Program if it does not result in a net cost on the employee's paycheck. Senior Minds Advisory, LLC (through E2BP executives) may handle all Company employee onboarding and training. The Program may not require integration work by the employer Company or its HR department and can often be implemented at any time during the year, not being restricted to specific enrollment periods. All processes are generally managed and automated through payroll. HR managers may appreciate the E2BP Benefit Program because it does not require implementation effort on their part.

6. Intellectual Property Rights

All content on this Website, including text, graphics, logos, images, and software, is the property ofSenior Minds Advisory, LLC or its content suppliers and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content without our prior written consent.

7. Use of the Website

You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Website. Prohibited behavior includes harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within the Website.

8. Disclaimers of Warranties

The Website and its content are provided on an "as is" and "as available" basis without any warranties of any kind, express or implied. We do not warrant that the Website will be uninterrupted or error-free, that defects will be corrected, or that the Website or the server that makes it available are free of viruses or other harmful components. We do not warrant the accuracy, completeness, or usefulness of any information on the Website.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Senior Minds Advisory, LLC, its affiliates, officers, directors, employees, agents, and suppliers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

• your access to or use of or inability to access or use the Website or Program;
• any conduct or content of any third party on the Website;
• any content obtained from the Website; or
• unauthorized access, use, or alteration of your transmissions or content.

Our total liability to you for all claims arising out of or relating to these Terms or your use of the Website or Program shall not exceed the amount of one hundred U.S. dollars ($100.00).

10. Indemnification

You agree to defend, indemnify, and hold harmless Senior Minds Advisory, LLC and its affiliates, officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from:

• your use of and access to the Website and Program;
• your violation of any term of these Terms; or
• your violation of any third-party right, including without limitation any copyright, property, or privacy right.

11. Third-Party Websites

Our Website may contain links to third-party websites or services that are not owned or controlled bySenior Minds Advisory, LLC. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that Senior Minds Advisory, LLC shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

12. Modifications to the Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 10 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Website after any revisions become effective, you agree to be bound by the revised terms.

13. Governing Law and Dispute Resolution

These Terms shall be governed and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of the Website shall be resolved through binding arbitration in Florida, or in a small claims court, if applicable.

14. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you andSenior Minds Advisory, LLC regarding your use of the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding such subject matter.

16. Contact Information

If you have any questions about these Terms, please contact us: