Effective upon publication.
Please read these Terms together with our Privacy Policy.
1. Services and acceptance
These Terms apply to the Sanus Benefits website, employer benefits services, employee wellness app, and Sanus Benefits connections in third-party applications, including ChatGPT. By using these services, you agree to these Terms. If you use the services for an employer, you must have authority to act for that employer. Our Privacy Policy explains our information practices.
2. Accounts and authorized access
Provide accurate information and keep your account credentials secure. Access only information you are authorized to view or manage. Employer-specific tools require an authorized account and the applicable permissions. Account registration may be started without an existing account; email verification and the remaining registration steps are required to finish setup. Do not share passwords, access tokens, or authorization codes in chat.
3. Benefits quoting and insurance decisions
Sanus Benefits uses the benefits information you provide to obtain and compare benefit quotes, negotiate with insurance and benefit providers, and facilitate the purchase of benefits you authorize. You must have the necessary authority and permissions to provide employer, employee, dependent, census, claims, and renewal information. Supply accurate, complete information and correct errors promptly. Quotes may change based on underwriting, eligibility, updated information, carrier requirements, and effective dates. A quote request or an estimate does not bind coverage or guarantee approval, pricing, savings, or an effective date. Coverage takes effect only when the applicable provider has accepted the application and its requirements have been met. Policy documents and provider contracts govern coverage, exclusions, and benefits.
4. Limited use and sharing of information
We do not sell your personal, business, employee, or wellness data. We use benefits quoting data solely to provide the benefits quoting, negotiation, and purchase services you request. We use wellness data to provide the wellness features and goals described below. We do not use this information for unrelated advertising or marketing. We share information only through connections you authorize or with insurance and benefit providers as needed to obtain quotes, negotiate benefits, or facilitate a purchase you authorize. We limit disclosures to information needed for those purposes. Disclosures required by applicable law may also occur. Authorizing a connection does not authorize unrelated uses of your information.
5. Connected applications and ChatGPT
When you connect Sanus Benefits to ChatGPT or another supported application, you authorize the exchange of information needed for the tools and permissions you choose to use. For example, asking a connected application to retrieve your plans or wellness statistics sends the returned information to that application. Review the information you request or submit and the connected application's terms and privacy policy. You can revoke a connection through its available settings; revocation stops future authorized access but does not automatically remove information already received by that application. Protected tools remain subject to employer account permissions. Requests to submit quotes, upload documents, or replace plan information must be authorized by you; review the result to confirm completion.
6. Employee wellness and personalized goals
Our employee wellness app provides actionable goals based on available fitness, activity, and health information supplied by the user or through connections the user authorizes. Goals depend on the completeness and accuracy of that information and may need adjustment as circumstances change. Employer wellness summaries and recommendations do not identify individual employees by name. Omitting names does not guarantee that information cannot be associated with an individual, particularly in small groups. Wellness data is used for wellness features; it is not sold or shared with insurance and benefit providers for quoting unless the user separately authorizes that disclosure. Wellness participation does not itself authorize disclosure of individual health information to an employer.
7. Wellness guidance and its limits
Wellness goals provide general support for healthy habits. They are not medical diagnoses, treatment plans, or a substitute for care from a qualified healthcare professional. Activity measurements, device readings, and automated suggestions may be incomplete or inaccurate. Choose activities appropriate for your abilities and current condition, and consult a healthcare professional when a condition, injury, symptom, or restriction affects a proposed goal. Stop an activity if it causes pain or concerning symptoms. No particular health or fitness result is guaranteed.
8. Acceptable use
Do not access another employer's account, upload information without authorization, interfere with the services, circumvent security controls, submit malicious files, or use the services for unlawful purposes. Do not use wellness summaries to identify employees or infer individual medical conditions. You are responsible for ensuring that your use and the information you submit comply with applicable requirements.
9. Purchases and third-party providers
No purchases or payments are completed through the Sanus Benefits ChatGPT plugin. Any purchase occurs on the website or through a separately authorized transaction with the applicable provider. Applicable prices, payment obligations, cancellation provisions, and coverage terms must be disclosed in the relevant transaction or provider agreement. Connecting an account or requesting a quote does not by itself authorize a purchase or payment. Insurance and benefit providers are responsible for their products and their own contractual obligations.
10. Privacy requests and connection controls
Contact us to request access to, correction of, or deletion of information associated with your account. Requests are subject to identity and authority verification, applicable law, and any required record retention. Disconnecting an application and deleting an account are separate actions. Our Privacy Policy provides additional information about retention, consent, and privacy requests.
11. Availability and automated outputs
Services, integrations, and third-party connections may be interrupted or unavailable. Automated summaries and recommendations can contain errors. Verify material insurance information against the applicable provider documents and confirm that requested submissions or changes succeeded. We do not guarantee uninterrupted service or the accuracy of third-party data.
12. Suspension and termination
We may restrict or suspend access where necessary to address unauthorized use, security concerns, violations of these Terms, or legal requirements. You may stop using the services and revoke connected access. Ending access does not automatically cancel insurance coverage, purchases, or separate provider agreements.
13. Changes to these Terms
We may update these Terms as our services change. The date shown on this page identifies the current version. Material changes will be communicated through the website or another appropriate channel. Changes do not retroactively authorize new uses or sharing of previously collected information where additional consent is required.
14. Contact
For service, privacy, or account questions, contact Sanus Benefits through our support page or email support@sanusbenefits.com.