Terms of Service

Effective Date: March 19, 2026
Last Updated: March 19, 2026

Welcome to GovBenefitsHelp. These Terms of Service ("Terms") govern your use of the govbenefitshelp.com website (the "Site") operated by GovBenefitsHelp ("we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

1. About This Site

GovBenefitsHelp is not a government agency. We are a privately operated website that provides educational and informational content about government benefit programs. We are not affiliated with, endorsed by, or connected to any federal, state, or local government agency.

The information on this Site is intended to help users understand government assistance programs and their general eligibility requirements. We do not process benefit applications, determine eligibility, or distribute government benefits.

2. No Guarantee of Eligibility

The information provided on this Site, including our benefits screener and program guides, is for informational purposes only. Results from our screener are estimates based on general eligibility guidelines and do not constitute a determination of eligibility for any government program.

Actual eligibility is determined solely by the relevant government agency based on your complete application and documentation. We make no representations, warranties, or guarantees that:

  • You will qualify for any specific benefit program
  • The eligibility information on our Site is complete, accurate, or current
  • Benefits will be available in your area or at the time you apply
  • Application processing times or benefit amounts will match any estimates provided

Always verify eligibility requirements directly with the relevant government agency or visit USA.gov for official information.

3. User Responsibilities

By using this Site, you agree to:

  • Provide accurate, truthful, and complete information when using our screener or forms
  • Be at least 18 years of age or have the consent of a parent or legal guardian
  • Use the Site only for lawful purposes and in accordance with these Terms
  • Not attempt to interfere with, disrupt, or gain unauthorized access to the Site or its systems
  • Not use automated systems (bots, scrapers, etc.) to access or interact with the Site without our prior written consent
  • Not submit false, misleading, or fraudulent information
  • Not impersonate any person or entity or misrepresent your affiliation with any person or entity

4. TCPA Consent and Communications

By providing your phone number and checking the consent box on our benefits screener, you provide your prior express written consent under the Telephone Consumer Protection Act (TCPA) to receive:

  • Marketing and informational calls, including those made using an automatic telephone dialing system or prerecorded voice
  • Marketing and informational text messages (SMS/MMS)
  • Marketing and informational emails

These communications may come from GovBenefitsHelp and from the marketing partners listed on our Marketing Partners page. Communications may include information about government benefit programs, related services, and offers from our partners.

You understand and agree that:

  • Consent is not a condition of using this Site or receiving benefits information
  • Message and data rates may apply for text messages
  • Message frequency varies
  • You can opt out of text messages at any time by replying STOP
  • You can opt out of marketing emails by clicking the "unsubscribe" link in any email
  • You can contact us at julian@horizonsbusinessfunding.com to revoke your consent

5. Data Collection, Use, and Sharing

Your use of this Site is also governed by our Privacy Policy, which describes how we collect, use, share, and protect your personal information, including how we share information with marketing partners, lead buyers, and other third parties. By using this Site, you acknowledge and agree to the practices described in our Privacy Policy.

6. Intellectual Property

All content on this Site, including text, graphics, logos, page layout, and software, is the property of GovBenefitsHelp or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written permission.

Government program names, logos, and information referenced on this Site are the property of their respective government agencies and are used for informational purposes only.

7. Third-Party Links and Services

This Site contains links to third-party websites, including government agency websites, partner sites, and advertiser websites. We are not responsible for the content, accuracy, privacy practices, or availability of any third-party websites. Inclusion of a link does not imply endorsement.

When you leave our Site by following a link, you are subject to the terms and privacy policies of the destination website.

8. Disclaimer of Warranties

THE SITE AND ALL CONTENT, INFORMATION, AND SERVICES PROVIDED ON OR THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.

We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL GOVBENEFITSHELP, ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE, INCLUDING BUT NOT LIMITED TO:

  • Loss of benefits or benefit eligibility
  • Reliance on information provided on the Site
  • Errors, inaccuracies, or omissions in Site content
  • Unauthorized access to or alteration of your data
  • Actions of third-party partners, advertisers, or linked websites

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED ONE HUNDRED DOLLARS ($100.00).

10. Indemnification

You agree to indemnify, defend, and hold harmless GovBenefitsHelp and its owners, officers, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Miami-Dade County, Florida.

12. Dispute Resolution

Before filing any legal claim, you agree to attempt to resolve any dispute with us informally by contacting us at julian@horizonsbusinessfunding.com. We will attempt to resolve the dispute informally within 30 days. If the dispute is not resolved within 30 days, either party may proceed with formal legal action as described in Section 11.

13. Modifications to These Terms

We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

14. Termination

We reserve the right to terminate or suspend your access to the Site at any time, without prior notice, for any reason, including if we reasonably believe you have violated these Terms. Upon termination, all provisions of these Terms that by their nature should survive termination shall remain in effect.

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and GovBenefitsHelp regarding your use of the Site and supersede all prior agreements and understandings.

17. Contact Us

If you have questions about these Terms, contact us at:

GovBenefitsHelp
Email: julian@horizonsbusinessfunding.com
Subject Line: "Terms of Service Inquiry"

Important: GovBenefitsHelp is not a government agency. This site provides educational information about government benefit programs. For official information, visit USA.gov.