Terms of Service

1) Who We Are

OBenefitFinder (“OBenefitFinder,” “we,” “our,” or “us”) provides informational content to help users locate benefit programs and official resources in the United States, Australia, and Canada. The Website is available at obenefitfinder.com (the “Website”).

2) Acceptance of Terms

By accessing or using the Website, you agree to be bound by these Terms of Service (“Terms”) and our Privacy Policy. If you do not agree, do not use the Website.

3) Not Government / No Professional Advice

OBenefitFinder is an independent informational website and is not affiliated with, endorsed by, or associated with any government agency. Content is provided for general informational purposes only.

The Website does not provide legal advice, medical advice, financial advice, or any professional services. You should consult appropriate professionals and official agencies for guidance.

4) Eligibility & Official Sources

Benefit programs have eligibility rules, income limits, and requirements that can change over time. We try to keep content helpful and current, but we do not guarantee accuracy, completeness, or timeliness.

• Always verify program rules on official government websites.
• Apply only through official portals or authorized providers.
• Never share sensitive information unless you are on an official website you trust.

5) Use of the Website

You may use the Website for personal, lawful, non-commercial purposes. You agree to use the Website in a way that does not violate applicable laws or infringe the rights of others.

• You may read, share links to, and reference our content with proper attribution.
• You may not copy, scrape, or reproduce large portions of the Website without permission.
• You may not attempt to disrupt, overload, or harm the Website.

6) Prohibited Activities

You agree not to:

• Use the Website for unlawful, harmful, misleading, or fraudulent purposes
• Attempt to gain unauthorized access to systems or user data
• Introduce malware, viruses, or other harmful code
• Use automated tools to scrape, crawl, or harvest content or data without permission
• Interfere with the security or operation of the Website
• Impersonate any person or entity or misrepresent your affiliation
• Post or transmit content that is illegal, defamatory, harassing, or infringing

7) Third-Party Links

The Website may include links to third-party websites, including official government portals and other resources. We do not control third-party sites and are not responsible for their content, availability, privacy practices, or services.

Your use of third-party sites is at your own risk and subject to their terms and policies.

8) Ads, Analytics & Tracking

We may use analytics services (such as Google Analytics) to understand Website performance. We may also display advertisements (such as Google AdSense). These services may use cookies or similar technologies.

• Ads may be personalized or non-personalized depending on your location and consent settings.
• You can control cookies via your browser settings.
• You can manage ad personalization in your Google account settings.

9) Intellectual Property

The Website and its content (including text, graphics, design, logos, and layout) are owned by or licensed to OBenefitFinder and are protected by intellectual property laws.

• You may not reproduce, distribute, modify, or create derivative works without permission.
• You may share links to our pages on social media or other sites.

10) User Submissions

If you submit feedback, suggestions, corrections, or other content (“Submissions”), you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and display those Submissions to operate and improve the Website.

You represent that you have the rights to submit the content and that it does not violate the rights of others.

11) Disclaimer of Warranties

The Website is provided on an “AS IS” and “AS AVAILABLE” basis. To the fullest extent permitted by law, we disclaim all warranties of any kind, express or implied, including fitness for a particular purpose, merchantability, and non-infringement.

We do not warrant that the Website will be uninterrupted, secure, error-free, or that content will be accurate or complete.

12) Limitation of Liability

To the fullest extent permitted by law, OBenefitFinder and its owners, affiliates, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising from your use of the Website.

In jurisdictions that do not allow certain limitations, liability will be limited to the maximum extent permitted by law.

13) Indemnification

You agree to defend, indemnify, and hold harmless OBenefitFinder, its owners, affiliates, and partners from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Website, your violation of these Terms, or your violation of any rights of another.

14) Termination

We may suspend or terminate access to the Website at any time, with or without notice, if we believe you violated these Terms or engaged in harmful activity.

15) Changes to the Website or These Terms

We may modify or discontinue the Website (in whole or in part) at any time. We may also update these Terms. Updated Terms will be posted on this page with a revised effective date. Your continued use after changes means you accept the updated Terms.

16) Governing Law

These Terms are governed by the laws of the jurisdiction where the Website operator is based, without regard to conflict of law principles. You agree that any disputes will be resolved in the courts of that jurisdiction, unless otherwise required by applicable law.

17) Contact