Terms and Condition

Terms of Service (“Terms”)

Effective Date: April 25, 2024
Last Updated: September 5, 2025

These Terms of Service (“Terms”) govern your access to and use of the website https://merebenefits.com and related services operated by Health Wealth Simplified LLC, doing business as Mere and Mere Benefits (“Mere,” “we,” “us,” or “our”). By accessing or using our website or services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.

1. Use of Services

Mere provides educational content, consulting, and brokerage services related to health insurance, retirement planning, and benefits programs. Our website and services are intended for personal, non-commercial use. You agree not to misuse our website or engage in unlawful, fraudulent, or harmful activities.

You must be at least 18 years old to use our services. We do not knowingly collect or provide services to minors.

2. Electronic Communications & Consent

By providing your contact information to Mere, you consent to receive communications from us, including but not limited to:

- Text messages (SMS/MMS)
- Emails

- Phone calls (live or automated)
- Ringless voicemails

Some communications may be automated or delivered using AI tools. Message frequency may vary. Standard message and data rates may apply.

- Opt-Out: You may unsubscribe at any time by replying STOP to a text or using the unsubscribe link in emails.
- Condition of Service: While consent to receive SMS is not required to purchase insurance from any carrier, Mere requires consent to electronic communications in order to provide servicing and act as your agent.
- Compliance: Mere complies with the federal Telephone Consumer Protection Act (TCPA) and applicable state laws, including the Texas “Mini-TCPA” (SB 140). We honor all opt-out requests promptly and do not send marketing communications outside legally permitted hours.

3. Educational Disclaimer

All information provided through our website, newsletters, webinars, or communications is for educational purposes only. It should not be considered legal, tax, accounting, or investment advice. Please consult licensed professionals in those fields for personalized guidance.

4. No Government Affiliation

Mere is a private, independent insurance and retirement services firm. We are not affiliated with, endorsed by, or acting on behalf of:

- The U.S. government

- The Centers for Medicare & Medicaid Services (CMS)

- The Health Insurance Marketplace (HealthCare.gov)

- The Social Security Administration (SSA)

- Medicare or Medicaid programs

All Social Security analysis and retirement planning services are provided independently by Mere and are not official government services.

5. Intellectual Property

All content on our website, including text, graphics, logos, and images, is the property of Health Wealth Simplified LLC and protected by copyright and trademark laws.

We grant you a limited, non-transferable license to access and use our website for personal purposes only. You may not copy, reproduce, sell, or distribute our content without prior written consent.

6. Cookies & Tracking

Our website uses cookies and analytics tools to improve functionality and user experience. You can disable cookies in your browser settings. For more details, please review our Privacy Policy.

7. Limitation of Liability

We make no warranties, express or implied, about the accuracy, reliability, or availability of our website or services. Your use of our information and services is at your own risk. Mere shall not be liable for any damages arising out of your use of our website, participation in events, or reliance on educational materials.

8. Indemnification

You agree to indemnify and hold harmless Health Wealth Simplified LLC dba Mere and Mere Benefits from any claims, damages, or expenses arising from your use of our website or services, including misuse of information provided.

9. Termination of Services

Mere reserves the right to suspend or terminate your access to our website or services at any time, including if:

- You misuse our services,
- You withdraw electronic communication consent, or
- You engage in unlawful, fraudulent, or abusive conduct.

10. Force Majeure

We are not responsible for delays or interruptions caused by events outside our reasonable control, including natural disasters, pandemics, internet outages, or government restrictions.

11. Governing Law & Dispute Resolution

These Terms shall be governed by the laws of the State of Florida. Any disputes shall be resolved in the courts of Florida unless otherwise required by law.

At our option, disputes may also be resolved through binding arbitration. By using our services, you waive the right to participate in class action lawsuits against Mere.

12. Updates to Terms

We may update these Terms periodically. The effective date will always be posted at the top of this page. Continued use of our website or services after updates constitutes acceptance of the revised Terms.

13. Contact Us

For questions about these Terms, please contact us:
📧 [email protected]
📞 904-654-5450