Website Terms of Use

WEBSITE TERMS OF USE

Effective Date: September 16, 2026
Last Updated: September 16, 2026

Welcome to amberbenefits.com. These Website Terms of Use (“Terms”) govern your access to and use of the Amber Benefits website and its public online features.

By accessing or using this website, you agree to these Terms. If you do not agree, please do not use the website.


1. About Amber Benefits

This website is operated under the Amber Benefits brand.

Insurance-related services described on this website are provided by:

Insiyah Badri
California Insurance License #0I23041

and, where applicable, licensed insurance carriers and appropriately licensed professional partners.

Nothing on this website should be interpreted as representing that Amber Benefits itself holds a separate California business-entity insurance license unless such licensing information is expressly displayed.


2. Informational Purposes Only

Information on this website is provided for general informational and educational purposes.

Website content does not constitute legal, tax, medical, accounting, investment, securities, or financial-planning advice.

Insurance products, premiums, benefits, provider networks, formularies, service areas, eligibility requirements, carrier rules, and other plan terms may change. Current information should be confirmed through the applicable insurance carrier, official plan documents, or appropriate government resources before making a coverage decision.


3. No Guarantee or Binding of Insurance Coverage

Nothing on this website constitutes a guarantee, approval, promise, or binding offer of insurance coverage.

Submitting a website form, requesting a benefits review, scheduling a consultation, requesting or receiving a quote, or otherwise communicating with Amber Benefits does not by itself:

• bind insurance coverage;
• guarantee eligibility;
• guarantee acceptance by an insurance carrier;
• guarantee a particular premium, benefit, network, or effective date; or
• constitute confirmation that coverage is in force.

Coverage remains subject to applicable carrier requirements, plan terms, eligibility rules, enrollment procedures, effective-date requirements, and other applicable conditions.

Insurance coverage should not be considered effective until it has been properly confirmed by the applicable insurance carrier or other authorized party.


4. No Client or Broker Relationship Created by Website Use Alone

Visiting this website, submitting an inquiry, or scheduling an introductory consultation does not by itself establish a formal insurance broker, agent, advisor, fiduciary, or client relationship.

A formal insurance relationship may require additional documentation, authorization, carrier procedures, broker-of-record processes, applications, enrollment materials, agreements, or other required steps.


5. Complimentary Benefits Reviews and Consultations

Amber Benefits may offer complimentary benefits reviews and introductory consultations.

These conversations are intended to help understand your current situation, discuss your insurance or employee-benefits needs, and identify options that may warrant further consideration.

A complimentary review or consultation does not guarantee:

• lower premiums;
• improved benefits;
• availability of any particular insurance product;
• eligibility for coverage;
• acceptance by a carrier; or
• a recommendation to change existing coverage.

In some circumstances, maintaining existing coverage may be appropriate.


6. Insurance Carriers and Plans

Insurance products are issued, administered, and governed by third-party insurance carriers and plan sponsors.

Amber Benefits and Insiyah Badri do not control carrier decisions concerning matters such as eligibility, premiums, underwriting where applicable, provider networks, formularies, benefits, claims, service areas, coverage approvals, or policy and plan terms.

Official insurance policies, Evidence of Coverage documents, Summaries of Benefits, carrier contracts, and other governing plan documents control if there is any conflict between those materials and general information provided on this website.


7. Individual and Medicare Coverage

Amber Benefits may provide information or assistance relating to individual health insurance and Medicare-related insurance options.

Plan availability, eligibility, premiums, benefits, provider networks, prescription-drug coverage, and other terms vary by carrier, plan, location, and individual circumstances.

Amber Benefits is not affiliated with or endorsed by the United States government or the federal Medicare program.

For comprehensive information concerning Medicare options, consumers may visit Medicare.gov or call 1-800-MEDICARE.


8. Medicare TPMO Disclosure

We do not offer every plan available in your area. Currently we represent 10 organizations which offer 38 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Calling Amber Benefits at (747) 221-6167 will connect you with a licensed insurance agent.


9. Medicare Marketing

Medicare Advantage and Part D marketing activities may be subject to requirements established by the Centers for Medicare & Medicaid Services (“CMS”), insurance carriers, Medicare organizations, plan sponsors, and other applicable entities.

Where required, applicable Medicare disclosures will be presented separately from these Terms.

These Terms do not replace any Medicare disclosure, Scope of Appointment, enrollment documentation, carrier disclosure, or other material required under applicable Medicare rules.


10. Professional Partners and Referrals

Amber Benefits may introduce clients or prospective clients to independent professionals or organizations for products or services outside the insurance services directly provided by Insiyah Badri.

These may include financial-planning resources and other benefits-related services.

Unless expressly stated otherwise, those professionals operate independently and are responsible for their own advice and recommendations, services, professional licensing, fees, privacy practices, and conduct.

An introduction or referral does not guarantee a particular outcome and does not replace your own evaluation of the professional or service.


11. Financial Planning and Other Professional Advice

Amber Benefits does not provide investment, securities, tax, accounting, legal, or financial-planning advice through this website.

Any financial-planning resources referenced on the website may be provided by independent, appropriately qualified professionals.

You should consult an appropriately qualified professional before making investment, legal, tax, accounting, or financial decisions.


12. Website Forms and Sensitive Information

General website forms are intended for initial inquiries, benefits reviews, and appointment scheduling.

Do not submit Social Security numbers, Medicare Beneficiary Identifiers, detailed medical records or health histories, bank or financial-account credentials, passwords, payment-card information, or other highly sensitive information through ordinary website forms or unsecured email.

If sensitive information is legitimately required in connection with an insurance transaction, you may be directed to an insurance carrier, enrollment platform, or other appropriate process for providing that information.


13. Accuracy of Website Information

We make reasonable efforts to provide useful and current information, but we do not guarantee that every item on the website will always be complete, accurate, current, or error-free.

Insurance laws, regulations, carrier requirements, products, premiums, benefits, provider networks, formularies, and plan availability may change.

Website content may be modified, updated, or removed at any time without notice.


14. Third-Party Websites

This website may contain links to websites operated by insurance carriers, government agencies, professional partners, or other third parties.

These links are provided for convenience and informational purposes.

Amber Benefits does not control and is not responsible for third-party websites, including their availability, content, accuracy, security, products or services, privacy practices, or terms of use.

Your use of third-party websites is subject to the terms and policies of those third parties.


15. Acceptable Use

You may use this website only for lawful purposes.

You may not:

• attempt unauthorized access to this website or related systems;
• interfere with website operation or security;
• introduce malicious software, viruses, or harmful code;
• impersonate another person or organization;
• submit intentionally false or fraudulent information;
• use automated tools in a manner that materially disrupts the website; or
• use website content for unlawful or unauthorized commercial purposes.


16. Intellectual Property

Unless otherwise stated, the Amber Benefits name, branding, website design, original text, graphics, and other original website content are owned by, licensed to, or used with permission by Amber Benefits.

Website materials may be viewed and used for lawful personal or legitimate business informational purposes.

You may not reproduce, republish, distribute, sell, modify, or commercially exploit original Amber Benefits website content without permission except as permitted by applicable law.

Insurance-carrier names, government names, logos, trademarks, and other third-party intellectual property remain the property of their respective owners.


17. Disclaimer of Warranties

To the fullest extent permitted by applicable law, this website and its content are provided on an “as is” and “as available” basis.

We do not guarantee that the website will always be uninterrupted, secure, error-free, or available, or that third-party information will always be complete or current.

Nothing in these Terms limits rights or protections that cannot lawfully be limited or excluded.


18. Limitation of Liability

To the fullest extent permitted by applicable law, Amber Benefits and Insiyah Badri will not be liable for indirect, incidental, special, punitive, exemplary, or consequential damages arising solely from or related to:

• use of or inability to use this website;
• reliance on general information contained on this website;
• temporary website interruptions; or
• third-party websites or services linked from this website.

Nothing in these Terms limits or excludes liability that cannot lawfully be limited or excluded.


19. Privacy

Use of this website is also subject to the Amber Benefits Privacy Policy, which explains how information collected through this website may be handled.

Link the words “Amber Benefits Privacy Policy” to:
/privacy-policy


20. Changes to These Terms

Amber Benefits may revise these Terms periodically.

The Last Updated date at the top of this page indicates when these Terms were most recently revised.

Updated Terms become effective when posted on this website unless otherwise stated or required by law.


21. Governing Law

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

To the extent permitted by applicable law, disputes arising specifically from use of this website will be handled in an appropriate state or federal court in California.


22. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain effective to the extent permitted by law.


23. Contact Us

Questions about these Terms may be directed to:

Amber Benefits
hello@amberbenefits.com
(747) 221-6167
amberbenefits.com

Insurance services provided by:

Insiyah Badri
California Insurance License #0I23041