General Terms & Conditions

Terms of Service

Last updated: August 24, 2026

1. Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the website, content, communications, and services provided by CafeHealth, LLC ("CafeHealth," "we," "us," or "our"), including our website, forms, email communications, phone calls, SMS/text message communications, benefits administration services, and related services.

By accessing our website, submitting a form, communicating with us, requesting services, or opting in to receive messages from us, you agree to be bound by these Terms.

If you do not agree with these Terms, please do not use our website or services.

2. Nature of Services

CafeHealth provides benefits administration and related services, including services associated with COBRA, Flexible Spending Accounts (FSAs), Health Savings Accounts (HSAs), Health Reimbursement Arrangements (HRAs), Individual Coverage Health Reimbursement Arrangements (ICHRAs), and other consumer-directed health and benefits programs.

The specific services provided to a client may depend on the applicable service agreement, order form, plan documents, or other written agreement between CafeHealth and the client.

Submitting an inquiry, consultation request, or service request does not constitute a commitment by CafeHealth to provide services or guarantee any specific result.

CafeHealth does not guarantee that any particular tax, benefits, compliance, cost-savings, reimbursement, or other outcome will be achieved.

3. Eligibility

You must be at least 18 years old and legally able to enter into a binding agreement to use our website, services, or SMS program.

By using our website or submitting information to us, you represent that:

You are at least 18 years old.

You have the authority to submit the information provided.

The information you provide is accurate, complete, and not misleading.

You will not use our website or services for any unlawful or fraudulent purpose.

If you are accessing CafeHealth services on behalf of an employer, plan sponsor, broker, organization, or other entity, you represent that you have authority to act on behalf of that entity.

4. SMS / Text Message Terms

By providing your mobile phone number and opting in to receive SMS/text messages from CafeHealth, you consent to receive recurring text messages related to your inquiry, account status, scheduling, reminders, account updates, service-related communications, follow-up communications, and related services.

Program description: SMS messages may include account-related, transactional, conversational, and service-related communications from CafeHealth regarding your inquiry, account, benefits, or relationship with us.

Consent: Consent to receive SMS messages is not a condition of any purchase or service.

Message frequency: Message frequency varies based on your interaction with us.

Message and data rates: Message and data rates may apply depending on your mobile carrier plan.

STOP instructions: You may reply STOP at any time to unsubscribe from SMS messages. After you opt out, we may send one final confirmation message confirming that you have been unsubscribed.

HELP instructions: You may reply HELP for assistance or contact CafeHealth through the contact information provided on our website.

Carrier disclaimer: Mobile carriers are not liable for delayed or undelivered messages.

No sharing or selling of SMS consent: CafeHealth does not sell, rent, share, or disclose your mobile phone number, SMS opt-in data, or text messaging consent with third parties or affiliates for their marketing or promotional purposes.

SMS service providers: Text messaging originator opt-in data and consent will not be shared with third parties, except with aggregators and service providers necessary to deliver SMS communications.

Please see our Privacy Policy for additional information about how we collect, use, store, and protect SMS-related information.

5. Acceptable Use

You agree not to:

Submit false, misleading, incomplete, or fraudulent information.

Use our website, forms, services, or SMS program to harass, threaten, defame, abuse, or harm any person or entity.

Attempt to reverse engineer, scrape, copy, disrupt, or gain unauthorized access to any part of our website, systems, forms, software, communications, or technology.

Use our website or services in violation of any applicable law or regulation, including applicable healthcare, privacy, consumer protection, telecommunications, advertising, tax, benefits, or other laws and regulations.

Interfere with the security, functionality, or availability of our website or services.

Use another person's account or credentials without authorization.

Attempt to access information belonging to another user, participant, employer, or client without authorization.

6. Intellectual Property

All content on our website and in our materials, including logos, text, graphics, designs, images, videos, documents, forms, software, trademarks, service marks, systems, and other materials, is owned by CafeHealth or its licensors and is protected by applicable intellectual property laws.

You may not copy, reproduce, distribute, modify, display, sell, license, or create derivative works from our content, systems, or materials without our prior written consent.

Your use of any CafeHealth platform, portal, application, or system is limited to the purposes for which access has been provided to you.

7. Third-Party Providers and Links

Our website or services may include links to third-party websites, service providers, software platforms, custodians, administrators, insurance providers, healthcare providers, or other external resources.

We are not responsible for the content, privacy practices, terms, decisions, security, availability, or actions of third-party providers.

Your interactions with third parties are solely between you and those third parties.

Certain benefits or financial accounts may be administered or maintained by third-party providers. Their separate terms, agreements, disclosures, and policies may apply to those services.

8. No Professional Advice

Information provided through our website, forms, calls, emails, SMS messages, educational materials, or other communications is for general informational purposes only.

Nothing on our website or in our communications should be considered legal, tax, accounting, investment, insurance, medical, financial, or other professional advice.

CafeHealth does not provide medical advice, diagnosis, or treatment.

You should consult your own qualified legal, tax, accounting, financial, insurance, or healthcare professional before making decisions based on information provided by CafeHealth.

9. Benefits and Compliance Disclaimer

CafeHealth may provide administrative services relating to employee benefit plans and programs.

CafeHealth does not control the terms of a client's benefit plan unless expressly agreed in writing.

Employers, plan sponsors, and other responsible parties remain responsible for their obligations under their applicable plan documents and applicable laws and regulations.

CafeHealth does not guarantee that a particular plan design, contribution, reimbursement, benefit, or arrangement will satisfy every applicable legal, tax, regulatory, or compliance requirement.

Information supplied to CafeHealth by a client, employer, participant, broker, carrier, or other third party must be accurate and complete. CafeHealth may rely on information provided by such parties when performing services.

10. Disclaimers

Our website, content, communications, and services are provided on an "as-is" and "as-available" basis.

To the fullest extent permitted by law, CafeHealth disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, availability, non-infringement, and suitability for your specific needs.

We do not guarantee that:

Our website or services will be uninterrupted, secure, or error-free.

Our systems will always be available.

Any specific benefits, tax, compliance, reimbursement, cost-saving, or financial outcome will be achieved.

Information on our website will always be current, complete, or free from errors.

Third-party services or systems will remain available or error-free.

11. Limitation of Liability

To the fullest extent permitted by law, CafeHealth and its owners, officers, employees, contractors, affiliates, agents, service providers, and representatives will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages.

This includes, but is not limited to, loss of profits, loss of revenue, loss of data, loss of goodwill, business interruption, or damages arising from your use of our website, services, systems, SMS program, or communications.

Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.

12. Indemnification

You agree to indemnify, defend, and hold harmless CafeHealth and its owners, officers, employees, contractors, affiliates, agents, service providers, and representatives from and against claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:

Your use of our website, services, systems, or SMS program.

Your breach of these Terms.

Your submission of false, inaccurate, misleading, or incomplete information.

Your violation of any law, regulation, or third-party right.

Your misuse of any information, materials, systems, or services provided by us.

13. Privacy

Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, disclose, and protect your information.

By using our website, submitting information, or opting in to communications, you acknowledge that you have reviewed and understand our Privacy Policy.

Our Privacy Policy is available at:

https://mycafehealth.com/privacy-policy-969537

In the event of a conflict between these Terms and the Privacy Policy regarding the collection or handling of personal information, the Privacy Policy will govern those privacy-related matters.

14. Governing Law

These Terms are governed by the laws of the State of Arizona, without regard to its conflict-of-law principles.

Any dispute arising out of or relating to these Terms, our website, services, or communications will be resolved in the state or federal courts located in Maricopa County, Arizona, and you consent to personal jurisdiction and venue in that jurisdiction.

15. Changes to These Terms

We may update or modify these Terms from time to time.

The "Last updated" date at the top of this page reflects the most recent revision.

Your continued use of our website, services, or SMS program after changes are posted means that you accept the updated Terms.

16. Contact Us

Questions about these Terms or our SMS program?

Contact CafeHealth through the contact information provided on our website.

CafeHealth, LLC

Website: mycafehealth.com

© 2026 CafeHealth, LLC. All rights reserved.