Ben · by Velora

Terms of Service

Effective: April 21, 2026 · Last updated: April 21, 2026

These Terms of Service (“Terms”) govern your use of Ben, the employee benefits administration and enrollment platform provided by Velora Partners, Inc. (“Velora,” “we,” “us”). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Who these terms apply to

  • Customers — the employers and their designated administrators or brokers who enter into a Customer agreement with Velora to use the Service.
  • End users — employees and dependents of a Customer who use the Service for their benefits enrollment and administration.

If you use the Service as an end user under a Customer, the Customer's agreement with Velora (including any applicable Business Associate Agreement) governs the processing of your personal and health information. These Terms govern your direct use of the Service.

2. Description of the Service

Ben is a software-as-a-service platform for administering employee benefits programs. Capabilities include AI-assisted enrollment counseling (“Ben” the voice and chat agent), plan comparison, electronic enrollment via EDI 834 transactions, administrator dashboards, and related tooling. Specific features available to a given Customer are governed by the Customer's order.

3. Accounts and eligibility

  • You must be at least 18 years old and able to form a binding contract to register an administrator account. End-user access is provisioned by a Customer; dependents under 18 may be enrolled by their parent or legal guardian.
  • You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us immediately if you suspect unauthorized access.
  • Accurate information is required. Enrollment elections and related information sent to carriers are based on the information you provide.

4. Acceptable use

You agree not to:

  • Use the Service in violation of applicable law, including HIPAA, the HITECH Act, or state privacy laws.
  • Attempt to access records of employees or employers other than those your account is authorized to view.
  • Interfere with the Service's operation, including by probing, scanning, or testing vulnerability without our prior written consent; circumventing rate limits; or disrupting other users' access.
  • Use the Service to send spam, malware, or unlawful communications, or to collect information about other users without their consent.
  • Copy, reverse engineer, or attempt to derive source code from the Service except to the extent such restrictions are prohibited by applicable law.
  • Use the Service to provide services to a third party in competition with Velora.

5. HIPAA and health information

When Velora processes Protected Health Information (“PHI”) on behalf of a Customer that is a covered entity under HIPAA, Velora acts as a Business Associate and is bound by the terms of the Business Associate Agreement in effect with the Customer.

  • Velora will use and disclose PHI only as permitted by the applicable BAA and HIPAA.
  • Velora implements administrative, physical, and technical safeguards designed to meet the HIPAA Security Rule, described further in our Privacy Policy.
  • End users who believe their PHI has been improperly handled may raise concerns with their employer's plan administrator and/or to privacy@helloben.ai.

Velora does not claim HIPAA certification; HIPAA does not provide a certification regime. We maintain compliance as a Business Associate consistent with the HIPAA rules as they apply to our role.

6. Ben, the AI counselor — important limits

Ben is an AI-assisted counselor that helps explain benefits and guide enrollment. Ben is not:

  • a licensed medical provider, and does not provide medical advice, diagnosis, or treatment;
  • a tax advisor, and does not provide tax advice;
  • an attorney, and does not provide legal advice;
  • a guarantor of coverage — final coverage determinations are made by your insurance carrier under the terms of your plan.

Ben is designed to decline requests for medical, tax, or legal advice and to refer you to a qualified professional. If Ben gives you information you believe is wrong, contact your employer's plan administrator for authoritative plan information.

7. Intellectual property

The Service — including software, user interface, documentation, and content we provide — is owned by Velora Partners, Inc. or our licensors and is protected by copyright, trademark, and other laws. These Terms do not grant you any right in the Service except the limited right to use it as permitted. You retain ownership of data you or your employer input into the Service.

8. Customer data and feedback

Data submitted by or on behalf of a Customer (including PHI) is processed subject to the applicable Customer agreement and BAA. If you provide us feedback or suggestions, you grant Velora a non-exclusive, perpetual, irrevocable license to use that feedback to improve the Service, without obligation or compensation.

9. Third-party services

The Service integrates with third-party providers, such as insurance carriers, payroll and HRIS systems, sign-in providers (e.g., Google), and infrastructure vendors listed in our Privacy Policy. Use of those services may be subject to the third party's own terms. Velora is not responsible for third-party services' availability or content, though we maintain appropriate agreements for those that handle PHI on our behalf.

10. Service changes and availability

We may modify, add, or remove features of the Service. We will provide reasonable notice of material changes that affect Customer functionality. We strive for high availability but do not guarantee uninterrupted access. Scheduled maintenance and unavoidable outages may occur.

11. Termination

  • End-user access to the Service ends when your Customer's agreement ends, when you cease to be affiliated with a Customer, or when your account is suspended for violation of these Terms.
  • We may suspend or terminate access for violation of these Terms, including security concerns, unlawful use, or non-payment by the Customer.
  • On termination, Customer data handling is governed by the Customer agreement and applicable retention obligations. Please see our Privacy Policy, section 7.

12. Disclaimers

The Service is provided “AS IS” and “AS AVAILABLE” to the maximum extent permitted by law. Velora disclaims all warranties, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Velora does not warrant that the Service will be uninterrupted, error-free, or free of harmful components, or that any specific enrollment outcome or coverage result will be achieved.

13. Limitation of liability

To the maximum extent permitted by law, neither Velora nor any of its officers, directors, employees, or agents will be liable to you for any indirect, incidental, consequential, special, or punitive damages, including lost profits, loss of data, or business interruption, arising out of or in connection with your use of the Service. Velora's total aggregate liability under these Terms will not exceed the amount your Customer paid Velora for the Service in the twelve (12) months immediately preceding the event giving rise to the claim. If you are using the Service without charge, Velora's total aggregate liability will not exceed one hundred U.S. dollars ($100). Nothing in this section limits liability that cannot be limited under applicable law.

14. Indemnification

You agree to defend, indemnify, and hold harmless Velora from any claim, damage, or expense (including reasonable attorneys' fees) arising out of your breach of these Terms, your misuse of the Service, or your violation of applicable law.

15. Governing law and disputes

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the Service will be exclusively resolved in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of those courts. Nothing in this section prevents either party from seeking injunctive or equitable relief in any court of competent jurisdiction.

16. Changes to these Terms

We may update these Terms from time to time. When changes are material, we will provide notice through the Service or to your account email, and (unless we state otherwise) the updated Terms take effect on the stated effective date. Continued use after the effective date constitutes acceptance.

17. Contact

Questions about these Terms: legal@helloben.ai.

Velora Partners, Inc. is the entity providing the Ben Service.