Terms of Service

Ridgeline Benefits Group
Last Updated: April 27, 2026

1. Acceptance of Terms

By accessing or using this website, you agree to be bound by these Terms of Service (“Terms”). If you do not agree, you should not use this website.

These Terms apply to all visitors, users, and anyone who submits information through this site.

2. Services Overview

Ridgeline Benefits Group provides information, consultation, and access to employee benefit strategies, including but not limited to:

Section 125 (Cafeteria Plan) strategies

Payroll tax (FICA) savings strategies

Employer-sponsored benefit programs

Educational resources and calculators

All services are subject to eligibility, underwriting, and regulatory requirements.

3. No Professional or Legal Advice

All information on this website is provided for general informational purposes only.

Nothing on this site constitutes:

Legal advice

Tax advice

Financial advice

You are responsible for consulting with your own advisors before implementing any strategy.

4. Estimates & Calculator Disclaimer

Any savings estimates, projections, or results provided through:

Online calculators

Consultations

Marketing materials

are illustrative only and are not guaranteed.

Actual results may vary based on:

Employee participation

Payroll structure

Plan design

Regulatory requirements

Ridgeline Benefits Group makes no guarantee of specific financial outcomes.

5. Eligibility & Compliance

Participation in any benefits program is subject to:

Employer qualification

Employee eligibility

Applicable federal and state regulations

You agree that:

You will provide accurate and complete information

You are responsible for ensuring compliance with applicable laws

6. User Responsibilities

By using this website, you agree:

Not to submit false or misleading information

Not to misuse or attempt to disrupt the website

Not to use the website for unlawful purposes

7. Communications Consent

By submitting your information, you agree to be contacted by Ridgeline Benefits Group via:

Phone

Email

SMS/text message

This may include automated communications where permitted by law.

You may opt out at any time:

Text: Reply STOP

Email: Use unsubscribe link

8. Intellectual Property

All content on this website, including:

Text

Graphics

Logos

Calculators

Marketing materials

is the property of Ridgeline Benefits Group and may not be copied, reproduced, or distributed without permission.

9. Third-Party Services

We may work with third-party providers to deliver services.

We are not responsible for:

Third-party performance

External platforms or services

Their privacy or security practices

10. Limitation of Liability

To the maximum extent permitted by law:

Ridgeline Benefits Group shall not be liable for:

Any indirect, incidental, or consequential damages

Loss of revenue, savings, or business opportunities

Decisions made based on information from this website

Use of this website and services is at your own risk.

11. No Guarantee of Results

We do not guarantee:

Specific tax savings

Employee participation levels

Business outcomes

All strategies depend on multiple external factors beyond our control.

12. Indemnification

You agree to indemnify and hold harmless Ridgeline Benefits Group from any claims, damages, or liabilities arising from:

Your use of the website

Your violation of these Terms

Your implementation of any strategies discussed

13. Data & Privacy

Your use of this website is also governed by our Privacy Policy.

14. Modifications

We reserve the right to update or modify these Terms at any time.

Changes will be posted on this page with an updated “Last Updated” date.

15. Governing Law

These Terms shall be governed by and interpreted under the laws of the State of Minnesota, without regard to conflict of law principles.

16. Contact Information

For questions regarding these Terms:

Ridgeline Benefits Group
[email protected]
218-289-6726