Terms and Conditions

Terms & Conditions for Illinois Benefit Advisory

Effective Date: April 30, 2025

Welcome to the website of Illinois Benefit Advisory. By accessing and using this website (the “Site”), you agree to the following Terms and Conditions (“Terms”), which govern your use of our Site and services.

Acceptance of Terms

By using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy. If you do not agree with any part of these Terms, please do not use this Site.

Intellectual Property Rights

All content on this Site—including but not limited to text, graphics, logos, images, icons, videos, and other materials—is owned or licensed by Illinois Benefit Advisory and is protected by intellectual property laws. You may not copy, reproduce, republish, upload, modify, or distribute any part of the Site without express written permission.

Website Use & Restrictions

You agree not to use this Site to:

  • Violate any laws or regulations;

  • Post or transmit harmful or unlawful content;

  • Interfere with the Site’s functionality or others’ ability to access it;

  • Transmit unauthorized advertising or spam;

  • Misrepresent your identity or affiliation;

  • Upload malicious code or engage in harmful activity.

Illinois Benefit Advisory reserves the right to monitor activity and remove any content or block users in violation of these Terms.

Informational Use Only

All content provided on this Site is for general informational purposes only. It is not intended to be a comprehensive description of insurance products or services, nor should it be construed as legal, financial, or insurance advice. Always consult with a licensed agent or advisor before making insurance decisions.

Insurance Disclaimer

Illinois Benefit Advisory is an independent insurance agency offering products and services through a variety of licensed insurance companies. Any descriptions of coverage or products on this Site are not binding and do not constitute an offer or guarantee of insurance coverage. Final eligibility, pricing, terms, and conditions of insurance coverage are determined by the insurance carriers and may vary by state and individual circumstances.

Submitting a request for a quote, information, or contact does not create a policy or contractual relationship. Insurance is not in force until approved by the carrier and you receive a formal policy or contract.

Third-Party Links

This Site may contain links to third-party websites for convenience and informational purposes. Illinois Benefit Advisory is not responsible for the content, privacy practices, or terms of use of those external sites and does not endorse them.

Disclaimer of Warranties

This Site and all materials are provided “as is” and “as available,” without warranties of any kind. We do not warrant that the Site will be secure, error-free, or uninterrupted. To the fullest extent permitted by law, we disclaim all warranties—express or implied—including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

Illinois Benefit Advisory and its affiliates shall not be liable for any damages, including direct, indirect, incidental, punitive, or consequential damages, arising out of or related to your use or inability to use this Site, even if advised of the possibility of such damages.

Governing Law

These Terms are governed by the laws of the State of Illinois, without regard to conflict of law principles. You agree to submit to the exclusive jurisdiction of the state and federal courts located within Illinois for resolution of any disputes.

Modifications

We reserve the right to update or modify these Terms at any time without prior notice. Continued use of the Site after such changes indicates your acceptance of the revised Terms.

Termination

Illinois Benefit Advisory reserves the right to terminate or restrict your access to this Site at any time without notice, for any reason, including a violation of these Terms.

Questions?
📬 Mail: PO Box 197 – Sherman, Illinois 62684
📞 Phone: 217-415-8632
📧 Email: ksilotto@gmail.com
🌐 Website: Contact Form