Terms of Use & SMS Terms and Conditions

Effective Date: January 1, 2026

These Terms of Use ("Terms") govern your access to and use of the websites, services, communications, and platforms operated by Sympl Benefits, LLC and Sympl Benefits Insurance Agency (collectively, "Sympl Benefits," "we," "our," or "us").

By accessing our website, utilizing our services, or participating in SMS communications, you agree to these Terms.

If you do not agree with these Terms, please discontinue use of our website and services.

1. About Sympl Benefits

Sympl Benefits provides employee benefits consulting, insurance agency services, healthcare navigation, enrollment assistance, claims support, customer service, and related benefits administration services.

Services may be provided directly to individuals or through employer-sponsored benefit programs.

2. Website Use

You agree to use our website and services only for lawful purposes.

You may not:

- Violate any applicable laws or regulations.
- Attempt to gain unauthorized access to systems or information.
- Interfere with website operations.
- Transmit malicious code or harmful content.
- Misrepresent your identity or authority.

We reserve the right to suspend or restrict access for violations of these Terms.

3. No Medical Advice

Information provided by Sympl Benefits is for benefits administration, healthcare navigation, insurance, and educational purposes only.

Sympl Benefits does not provide medical advice, diagnosis, or treatment.

Individuals should consult qualified healthcare professionals regarding medical decisions.

4. No Guarantee of Coverage

Benefits, eligibility, coverage determinations, provider participation, claims outcomes, and reimbursement decisions are subject to the terms of the applicable insurance policy, benefit plan, carrier guidelines, and governing documents.

Sympl Benefits cannot guarantee approval of claims, coverage, reimbursement, or provider participation.

5. Privacy Policy

Your use of our website and services is governed in part by our Privacy Policy.

The Privacy Policy explains how we collect, use, disclose, and protect personal information, including mobile phone numbers and SMS communications.

Users are encouraged to review the Privacy Policy before utilizing our services.

6. SMS Terms and Conditions

Consent to Receive SMS Communications

Mobile information will not be shared, sold, or conveyed to third parties for marketing/promotional purposes.

Sympl Benefits supports numerous employer-sponsored benefit programs and therefore does not rely on a single enrollment platform.

Mobile phone numbers may be obtained through:

- Employer-sponsored enrollment systems
- HRIS platforms
- Benefits administration systems
- Open enrollment platforms
- Insurance applications
- Paper enrollment forms
- Employer HR referrals
- Customer service interactions
- Website inquiries
- Telephone communications
- Direct member requests for assistance
- Other authorized benefits administration processes

 

By voluntarily providing your mobile phone number, or by requesting assistance through your employer-sponsored benefit program, you consent to receive SMS text messages from Sympl Benefits related to:

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Sample #1:"Hi, this is Sympl Benefits responding to your provider inquiry. Based on your plan network, we recommend Dr. Smith at 123 Main St. Reply STOP to opt out."

Sample #2:"Hello from Sympl Benefits! Your health plan covers 80% of this procedure after your deductible is met. Let us know if you have more questions. Reply STOP to unsubscribe.

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SMS text messages from Sympl Benefits related to:

- Benefit enrollment assistance
- Healthcare navigation services
- Provider recommendations
- Claims assistance
- Eligibility verification
- Benefits education
- Coverage-related questions
- Customer service matters
- Other service-related communications

 

Consent to receive SMS communications is not a condition of purchasing any goods or services.

 

Message Frequency

Message frequency varies based on member needs, support requests, enrollment activity, customer service interactions, and healthcare navigation

services.

 

Message and Data Rates

Message and data rates may apply according to your wireless carrier's plan.

Users are responsible for all charges imposed by their mobile carrier.

 

Opt-Out Instructions

You may opt out of SMS communications at any time by replying STOP.

Upon receipt of a STOP request, Sympl Benefits will send confirmation of your opt-out request and discontinue future SMS communications except as necessary to process the opt-out.

 

Help Instructions

For assistance, reply HELP or contact Sympl Benefits using the contact information listed below.

 

Supported Carriers

Carrier participation may vary.

SMS delivery depends on effective transmission by participating mobile carriers.

Mobile carriers are not responsible for delayed or undelivered messages.

 

Mobile Privacy Commitment

Mobile information will not be shared, sold, rented, or conveyed to third parties for marketing or promotional purposes.

SMS consent is not shared with third parties or affiliates for marketing purposes.

7. Intellectual Property

All content, trademarks, logos, graphics, text, and materials appearing on this website are owned by or licensed to Sympl Benefits unless otherwise stated.

Unauthorized use is prohibited.

8. Disclaimer of Warranties

This website and related services are provided on an "as-is" and "as-available" basis.

To the fullest extent permitted by law, Sympl Benefits disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of Liability

To the fullest extent permitted by law, Sympl Benefits shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of the website, services, or communications.

10. Indemnification

You agree to defend, indemnify, and hold harmless Sympl Benefits, its affiliates, officers, employees, contractors, and representatives from claims arising from your violation of these Terms or misuse of our services.

11. Governing Law

These Terms shall be governed by and interpreted under the laws of the State of Michigan.

Any legal action arising from these Terms shall be brought in a court of competent jurisdiction located within the State of Michigan.

12. Dispute Resolution

Prior to initiating legal proceedings, the parties agree to make reasonable efforts to resolve disputes through informal discussions.

Nothing in this section limits either party's ability to seek appropriate legal remedies when necessary.

13. Modifications

Sympl Benefits reserves the right to modify these Terms at any time.

Changes become effective upon posting to the website.

Continued use of the website or services constitutes acceptance of revised Terms.

14. Website Contact Forms and Online Inquiries

When submitting a contact request, support request, enrollment inquiry, healthcare navigation request, customer service inquiry, or other online form through the Sympl Benefits website, users may voluntarily provide personal contact information, including a mobile telephone number.

 

By voluntarily providing a mobile phone number through a Sympl Benefits website form, users consent to receive service-related communications from

 

Sympl Benefits, including SMS text messages regarding:

- Employee benefits
- Benefit enrollment assistance
- Healthcare navigation services
- Provider recommendations
- Claims assistance
- Eligibility verification
- Customer service inquiries
- Benefits education
- Coverage-related questions
- Other service-related communications

 

Message frequency varies.

Message and data rates may apply.

Consent to receive SMS communications is not a condition of purchasing any goods or services.

Users may opt out at any time by replying STOP.

 

For assistance, users may reply HELP or contact Sympl Benefits directly.

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Mobile information will not be shared, sold, rented, or conveyed to third parties for marketing or promotional purposes.

SMS consent is not shared with third parties or affiliates for marketing purposes.

 

Please review our Privacy Policy and Terms of Use for additional information regarding our information practices and your rights.

Recommended Disclosure for Website Forms

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By providing your mobile phone number, you consent to receive service-related SMS communications from Sympl Benefits regarding employee benefits, enrollment assistance, healthcare navigation, claims support, provider recommendations, and customer service matters. Message frequency varies.

 

Message and data rates may apply. Reply STOP to opt out. Reply HELP for assistance. Consent is not a condition of purchasing any goods or services. View our Privacy Policy and Terms of Use.

15. Contact Information

Questions regarding these Terms, SMS communications, or website use may be directed to:

Sympl Benefits, LLC
Sympl Benefits Insurance Agency

460 Ada Drive, Suite 222
Ada, MI 49301

Phone: 844-447-9675
Email: help@symplbenefits.com
Website: https://www.symplbenefits.com

Please also review our Privacy Policy for additional information regarding your privacy rights and our information practices.