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. Communication Consent
By providing your contact information, you consent to be contacted by Pacific Group Benefits via:

• Phone calls

• Email

• SMS/text messaging

6. SMS Terms & Conditions
If you consent to receive SMS from Pacific Group Benefits, you agree to receive:

• Appointment reminders

• Customer care messages

• Plan updates and service-related notifications

SMS Disclosure:
Reply STOP to opt-out at any time.
Reply HELP for support.
Message & data rates may apply.
Messaging frequency may vary.
Consent is not a condition of purchase.

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

8. 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

9. 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.
10. Contact Information
Pacific Group Benefits
Website: https://pacificgroupbenefits.com
Email: info@pacificgroupbenefits.com
Phone: 702-302-4100