Terms & Conditions

1. Acceptance of Terms
By accessing or using our website and services, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use our services.

2. Services Provided
Pacific Group Benefits provides employee benefits consulting, health insurance brokerage services, and related support for individuals and businesses.

3. Use of Website
You agree to use this website only for lawful purposes and not to:

• Submit false or misleading information

• Attempt to gain unauthorized access to systems

• Interfere with website functionality

4. No Guarantee of Coverage
Submission of information or receiving a quote does not guarantee insurance coverage or approval. Coverage is subject to underwriting and carrier approval.
 
 
5. SMS Consent Communication:
The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.
 
Types of SMS Communications:
If you have consented to receive text messages from Pacific Group Benefits, LLC you may receive messages related to the following (provide specific examples):

• Customer Care

• Account notifications

• Marketing
   

Example: "Hello, this is a friendly reminder of your upcoming appointment with your agent at your office on 3/18/2026 at 12:00 pm. You can reply STOP to opt out of SMS messaging from Pacific Group Benefits, LLC at any time."
 
6. Message Frequency:
Message frequency may vary depending on the type of communication. For example, you may receive up to [X] SMS messages per week regarding your appointments/enrollment, and related matters.
 
Example: "Message frequency may vary. You may receive up to 2 SMS messages per week regarding your appointments or account status."
 
7. Potential Fees for SMS Messaging: 
 
Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.
 
8. Opt-In Method:
You may opt in to receive SMS messages from Pacific Group Benefits, LLC in the following ways
​

• By submitting an online contact us form

9. Opt-Out Method:
You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.
 
10. Help:
If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at www.pacificgroupbenefits.com

• Additional Options:

If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

11. Standard Messaging Disclosures:

• Message and data rates may apply.

• You can opt out at any time by texting "STOP."

• For assistance, text "HELP" or visit our Terms and Conditions and Privacy Policy

• Message frequency may vary

12. Privacy
Your use of our services is also governed by our Privacy Policy. Please review it here:
https://pacificgroupbenefits.com

13. Limitation of Liability
Pacific Group Benefits is not liable for:

• Any indirect or incidental damages

• Decisions made based on information provided

• Carrier-related coverage determinations

14. Changes to Terms
We reserve the right to update these Terms at any time. Updates will be posted on this page with a revised effective date.

15. Contact Information
Pacific Group Benefits
Website: https://pacificgroupbenefits.com
Email: info@pacificgroupbenefits.com
Phone: 702-302-4100