Terms & Conditions

Web Site Usage Terms and Conditions

Use of Web Site
By using this web site (collectively referred to in these Terms of Use as our "Web site") you agree to be bound by the terms set forth herein. MyBenefitsLab.com reserves the right, in its sole discretion, to make changes to our Web site, these Web site usage terms and conditions, the policies and conditions that govern the use of our Web site and/or an individual's access to this site at any time, or to terminate this site without notice. It is recommended that you, as a user of this Web site, read these terms and conditions each time you enter the www.mybenefitslab.com site for any updates or changes. Your continued access or use of our Web site shall be deemed your acceptance of these changes and the reasonableness of these standards for notice of changes. If you do not agree and/or no longer agree to be bound by these Terms and Conditions, you may not use, and must immediately cease your use of, the www.mybenefitslab.com Web site. When you access this site, you also acknowledge that you have read and agree to abide by the terms described in our Privacy Policy.

The entire contents of this site are copyrighted under United States law. Materials from the www.mybenefitslab.com World Wide Web site may not be copied, distributed or transmitted in any way without prior written consent of MyBenefitsLab.com. Users of the site MAY download one copy of any and all materials on the site for personal, non-commercial use provided that they do not modify or alter the materials in any way, or delete or change any copyright or trademark notice. MyBenefitsLab.com reserves complete title and full intellectual property rights for materials downloaded from the site.

All material on this site is provided for lawful purposes only. You agree not to use the material on this site for illegal purposes or for the transmission of material that is unlawful, harassing, libelous, invasive of another's privacy, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable, or that infringes or may infringe the intellectual property or other rights of another or that violates any federal, state, or local law. You agree that MyBenefitsLab.com may in its sole discretion terminate your access to our Web site, without notice, if we believe you have in any way violated our Terms of Use.

Health-Related Information
The information contained in the www.mybenefitslab.com Web site is provided for informational purposes only and is not meant to substitute for the advice provided by your doctor or other health care professional. You should not use the information available on or through the www.mybenefitslab.com Web site (including, but not limited to, information that may be provided by healthcare and/or nutrition professionals employed by, or contracting with, MyBenefitsLab.com) for diagnosing or treating a health problem or disease, or prescribing any medication. Information and statements regarding dietary supplements have not been evaluated by the Food and Drug Administration unless specifically so stated. 

MyBenefitsLab.com reserves the right to modify or discontinue, temporarily or permanently, the www.mybenefitslab.com Web site as a whole and/or any or all of the Web site features, products, prices of products, services or information appearing on, or available through, any or all of the Web site with or without notice to you. You agree that MyBenefitsLab.com shall not be liable to you or any third-party for any modification or discontinuance of such features, products, prices, services, or information on the Web site or the Web site itself.

Submission Of Information and/or Materials
Other than personally identifiable information, which is addressed under our Privacy Policy, any information, including but not limited to remarks, comments, suggestions, ideas, graphics or other submissions, transmissions and/or postings that are communicated to MyBenefitsLab.com through this site is the exclusive property of MyBenefitsLab.com.

The user acknowledges the originality of any submission communicated to MyBenefitsLab.com and accepts responsibility for its accuracy, appropriateness and legality in that you agree to provide true, accurate, current and complete information about yourself if and when you elect to provide personal information to us. You also agree to maintain and promptly update any such information to keep it accurate.

MyBenefitsLab.com is entitled to use any information submitted for any purpose anywhere, anytime and for any reason whatsoever without restriction or compensation to the person sending the submission. Except as may be provided in the Privacy Policy, any information or materials submitted to MyBenefitsLab.com will be treated as non-confidential and non-proprietary, and we will not have any obligation to use or evaluate any information we receive from you. You should rely solely on your rights under patent, trademark, and copyright laws. The receipt or consideration of your information by MyBenefitsLab.com shall in no way impair the right of MyBenefitsLab.com to contest the validity of your patent, trademark or copyright.

The MyBenefitsLab.com Web site provides links to other third party web sites or resources. These links are for your convenience only and are not under our control. You acknowledge and agree that MyBenefitsLab.com is not responsible for the availability of such external sites or resources, and does not endorse any such site, its use or contents and is not responsible or liable for any content, advertising, products, or other materials on or available from such web sites or resources. You agree that MyBenefitsLab.com shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any such content, goods or services available on such external sites or resources. In the event you decide to access or use any of these other web sites or resources, you agree you do so at your own risk.

Sale of Products
You may be provided with the opportunity to purchase products and/or services through the MyBenefitsLab.com Web site and/or from third party web sites linked to the MyBenefitsLab.com Web site. Products and/or services purchased through third-party web sites are subject to the terms and conditions of such other parties and their web sites, and MyBenefitsLab.com shall have no liability or responsibility theretofore.

You agree to indemnify and hold MyBenefitsLab.com and our parents, affiliates (and their franchisees and licensees), and subsidiaries, officers, directors, employees, successors and assigns, harmless from any claim, loss or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of our Web site, your connection to our Web site, your violation of these Terms and Conditions, or your violation of any rights of another party. This indemnity survives termination of these Terms and Conditions.

Disclaimer of Warranties
You expressly agree that use of our Web site is at your sole risk and is provided on an "as is" and "as available" basis to the fullest extent permissible pursuant to applicable laws.

MyBenefitsLab.com and its parents, affiliates (and their franchisees and licensees) and subsidiaries (collectively, "affiliates") expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. MyBenefitsLab.com and its affiliates make no warranty, express or implied, that the Web site or any services, products, or information obtained on or through the Web site will meet your requirements or will be uninterrupted, timely, secure, or error free; nor does MyBenefitsLab.com or its affiliates make any warranty, express or implied, as to the results that may be obtained from the use of the Web site or any services, products or information obtained on or through the Web site or as to the accuracy, completeness or reliability thereof. MyBenefitsLab.com makes no commitment to update or correct any information that appears on the Web site or any Web site linked hereunder.

You understand and agree that any material and/or information downloaded or otherwise obtained through the use of or from the Web site is done at your own discretion and risk and that you will be solely responsible for your use or nonuse of such information, including, without limitation, any damage to your computer system or loss of data that results from the download of such material and/or information and any bodily injury. MyBenefitsLab.com is not responsible for technical, hardware or software failures of any kind; lost or unavailable network connections; incomplete, garbled or delayed computer transmissions. Under no circumstances will MyBenefitsLab.com or its suppliers be liable for any damages or injury that result from the use of the materials on this site. MyBenefitsLab.com and its affiliates make no warranty regarding any goods or services purchased or obtained through or from the Web site or any transactions entered into through the Web site. No advice or information, whether oral or written, obtained by you from MyBenefitsLab.com or through or from any service or product on the Web site shall create any warranty not expressly stated herein. Some jurisdictions do not allow the exclusion of certain warranties for consequential or incidental damages, in which case the above limitation may not apply to you.

MyBenefitsLab.com may make changes to its Web site design, functionality and/or content at any time, and may provide links to other sites that are not maintained by MyBenefitsLab.com. MyBenefitsLab.com does not endorse those sites and is not responsible for the content of such other sites. Please read our policy governing such links.

Liability Restrictions
You agree that MyBenefitsLab.com and its affiliates shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, resulting from the use or the inability to use the Web site or any services, products or information obtained on or through the Web site, even if MyBenefitsLab.com or its affiliates have been advised of the possibility of such damages, including, without limitation, damages from: personal injury; downloading any material contained on or accessed through the Web site; linking to any third party Web site from the Web site; any unauthorized access to any information on the Web site and/or submitted by you to or through the Web site; cost of procurement of substitute goods and services; any goods or services purchased or obtained or messages received or transactions entered into through or from the Web site; and/or loss of profits, use, data or other intangible losses.

You further agree that MyBenefitsLab.com and its affiliates shall not be liable for any damages arising from interruption, suspension or termination of the Web site, including but not limited to direct, indirect, incidental, special, consequential or exemplary damages, whether such interruption, suspension or termination was justified or not, negligent or intentional, inadvertent or advertent. Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, in which case the above limitation may not apply to you.

Domestic Use/Export Restriction
MyBenefitsLab.com controls the www.mybenefitslab.com Web site from our offices within the United States of America. We make no representation that the Web site or its content (including, without limitation, any products or services available on or through the Web site) is appropriate or available for use in other locations. Users who access the Web site from outside the United States of America do so on their own initiative and must bear all responsibility for compliance with local laws, if applicable. Further, the United States export control laws prohibit the export of certain technical data and software to certain territories. No content from the Web site may be downloaded in violation of United States law.

Enforcement of Terms and Conditions/Jurisdiction
These terms and conditions are governed and interpreted pursuant to the laws of Duval County, State of Florida, United States of America, notwithstanding any principles of conflicts of law. If any part of these terms and conditions is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of remaining provisions. Any claim relating to the MyBenefitsLab.com Web site, our Web site Terms and Conditions, and the relationship between you and MyBenefitsLab.com organization shall be governed by the laws of the United States and the State of Florida without regard to its conflict of law provisions. You and MyBenefitsLab.com agree to submit to the personal and exclusive jurisdiction of the courts located within the State of Florida.

These Terms and Conditions and our Privacy Policy constitute the entire agreement between you and MyBenefitsLab.com with respect to the www.mybenefitslab.com Web site; provided, however, that certain provisions of these Terms and Conditions may be superceded by expressly designated legal notices or terms which may be located on particular pages on the www.mybenefitslab.com Web site. Our failure to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision by us. If any provision of these Terms and Conditions is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of our Terms and Conditions remain in full force and effect. Your agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Web site or our Terms and Conditions must be filed within one (1) year after such claim or cause of action arose or be forever barred.

MyBenefitsLab.com can revise these terms and conditions at any time by updating this online posting. MyBenefitsLab.com may terminate this agreement at any time without notice for any reason. Users may terminate this agreement by destroying all materials obtained from the MyBenefitsLab.com Web site.

MyBenefitsLab.com Membership Terms and Conditions

1. APPLICABILITY OF CONTENT: The information presented by MyBenefitsLab.com on its Web site is not intended to be a substitute for medical counseling. The site is intended to help you make informed decisions about your health. Before adhering to any of the information or recommendations presented throughout MyBenefitsLab.com web site and/or other electronic communications and/or purchasing products and/or services, please consult with your own physician or healthcare practitioner. MyBenefitsLab.com reserves the right to refuse or cancel membership and/or access to this Web site for any reason.

2. GENERAL TERMS AND CONDITIONS: You agree to: (a) maintain all equipment necessary for your access to and use of the MyBenefitsLab.com Web site; (b) maintain the security of your user identification, password and other confidential information relating to your MyBenefitsLab.com account; (c) be responsible for all charges resulting from use of your MyBenefitsLab.com account, including unauthorized use prior to your notifying MyBenefitsLab.com of such use and taking steps to prevent its further occurrence by changing your password; and (d) updating your personal contact information, including e-mail address.

3. WAIVER, RELEASE AND LIMITATION OF LIABILITY: You agree that neither MyBenefitsLab.com, nor its affiliates, subsidiaries, officers, directors, employees, agents, consultants or information providers or suppliers, shall have any liability to you under any theory of liability or indemnity in connection with your use of the MyBenefitsLab.com Web site. You hereby release and forever waive any and all claims you may have against MyBenefitsLab.com, its officers, directors, employees, agents, consultants, information providers or suppliers for losses or damages you sustain in connection with your use of the MyBenefitsLab.com Web site.

4. Notwithstanding the foregoing paragraph, the total liability of MyBenefitsLab.com and its officers, directors, employees, agents, consultants, information providers and suppliers, if any, for losses or damages shall not exceed monies paid by you for the particular information, products and/or service provided. All other damages, direct or indirect, special, incidental, consequential or punitive arising from any use of the information or other parts of the MyBenefitsLab.com Web site are hereby excluded even if MyBenefitsLab.com or its officers, directors, employees, agents, consultants, information providers or suppliers have been advised of the possibility of such damages. Void where prohibited by law.

5. NOTICE: MyBenefitsLab.com may deliver notice to you under this Agreement by means of electronic mail, a general notice on MyBenefitsLab.com or by written communication delivered by first class U. S. mail to your address on record in the www.mybenefitslab.com site's account information. You may give notice to MyBenefitsLab.com at any time via electronic mail to MyBenefitsLab.com or by letter delivered by first class postage prepaid U. S. mail or overnight courier to the following address:

4237 Salisbury Rd., Suite 302

Jacksonville, FL 32216
Contact MyBenefitsLab.com

The dietary and other substances discussed on this site may not have undergone evaluation and/or testing by the United States Food and Drug Administration or like agency of any other country. Risks that might be determined by such testing are unknown. Where these substances are dietary supplements, they are not intended to diagnose, treat, cure or prevent any disease. In some jurisdictions, some of these substances may be considered prescription drugs, controlled or contraband substances. Since the information published on the MyBenefitsLab.com web site is accessible to anyone throughout the world, MyBenefitsLab.com does not give legal advice that may apply to any particular consumer. Consumers are cautioned to check with local, regionalized legal counsel and/or health care professional(s) before making any purchases of membership, products and/or services on the www.mybenefitslab.com Web site. The policy opinions expressed on this site, and on sites to which it may link, are not necessarily the views of MyBenefitsLab.com and are not adopted for commercial purposes.

Intellectual Property Rights
MyBenefitsLab.com is trademarked and service marks of MyBenefitsLab.com has trademark rights in the names of many products featured for sale by MyBenefitsLab. trademarks and service marks may not be used without express written permission from the owners of said marks.

All content, which includes text, photos, graphics, artwork and any other material, on the www.mybenefitslab.com website is the copyrighted private property of MyBenefitsLab.com (with the exception of that acquired from third-parties as noted where applicable) and may not be published, broadcast, rewritten or redistributed without the express written consent of MyBenefitsLab.com.

Certain products may also be protected under U. S. Patent Law.

MyBenefitsLab.com operates under a strict set of privacy principles, taking care to respect the privacy of its online visitors. Read our privacy policy here.

Advertising Policy
In order to provide quality health information, news and tools in a timely manner to our visitors, MyBenefitsLab.com may permit advertising on our site. However, we do not allow outside advertisers to affect the quality or accuracy of information on our site, and we maintain a stringent policy of editorial independence. The following advertising policy is in force on the MyBenefitsLab.com Web site:

MyBenefitsLab.com maintains complete editorial independence with respect to our content in every circumstance. We do not permit advertisers or other third-party sponsors to make changes to content, or to introduce biased content into the design of any of our sections. MyBenefitsLab.com clearly identifies all advertisements, sponsorships, and sponsor-related material on the www.mybenefitslab.com Web site. We separate this material from medical or pornographic products or web sites. We will not provide or sell any information to a third party that would allow it to identify a person's individual medical or diet circumstances or conditions.

Translation Disclaimer
The official version of this Web Site is in English. While we offer machine translations of this Web Site for the convenience of our customers, MyBenefitsLab.com is not responsible for any errors or omissions in those translations. 

How To Contact Us
Should you have other questions or concerns about these legal notices and/or the practices of this Web site, please contact us at:

4237 Salisbury Rd., Suite 302

Jacksonville, FL 32216
Contact MyBenefitsLab.com

Reprints and Permissions Policy

Permission Guidelines
Thank you for seeking permission to reprint material from MyBenefitsLab.com®.   Please note that we currently process all permission requests through the Legal Department. Permission requests may be sent either by fax or email to the following:

4237 Salisbury Rd., Suite 302

Jacksonville, FL 32216
Attn:  Legal Department
Fax: 904-296-0921

Please use the following types of permission requests, and note any information that you may need to prepare prior to contacting MyBenefitsLab.com. 

Educational Use
You may request permission to use material in an educational setting.  Please supply the following information:

  • Title, author/editor, ISBN# of the book or magazine from which you wish to reproduce MyBenefitsLab.com content

  • Excerpt length (including page numbers) of the material you wish to reprint

  • Institution Name

  • Course Name

  • Number of copies you wish to make

Use in Other Publication
If you are seeking to reprint material in your own book/publication, please supply the following information:

  • Title of your publication

  • Author/editor of the publication

  • ISBN # of your publication

  • Excerpt length (including page numbers) of the material you wish to reprint

  • Name of your Publisher

  • Format  of the publication (i.e. paperback, hardcover, electronic)

  • Territory in which your publication will be distributed (North America, U.S., World, etc.)

  • Publication date

  • Estimated print run

Use in Website
If you are seeking to reprint material in your personal or organization's website, please supply the following information:

  • URL to the website

  • Name of the organization (if applicable)

  • Excerpt length (including page numbers) of the material you wish to reprint

  • Publication date and length period for display

Rights Limitations
Sometimes we receive requests that we cannot grant. Please be aware that MyBenefitsLab.com does not hold rights in the following instances:

  • Out of Print Books: If a book has gone out of print, then we no longer hold rights and cannot grant you permission to reprint material under any circumstance. In most cases, the rights revert back to the author or his/her estate. Please contact the current rights holder in order to acquire the necessary permission.

  • Secondary Permission: If the work which you wish to reprint is taken from a collected work, please look to the acknowledgement section to discern the original publisher of the work.  This is who you need to contact. We cannot grant permission for work that is copyrighted by another publisher.

  • Daily News Syndicated Material on MyBenefitsLab.com's Website:  Use of Daily News articles is strictly prohibited due to syndication restrictions.


In all instances, attribution must be given to MyBenefitsLab.com as follows:

Copyright© 2013 All Right Reserved MyBenefitsLab LLC.

MyBenefitsLab.com will not give permission to use material if the above attribution is not provided.

We hope you find this information to be of assistance. However, should your reprint request fall outside any of the aforementioned categories, you may contact us directly at customerservice@ mybenefitslab.com.