Effective Date: July 29, 2026
These Terms of Service ("Terms") govern your use of the Relation Benefits mobile application (the "App"), which is provided by Relation Insurance Services, Inc. ("Relation," "we," "us," or "our"). By downloading, installing, entering an access code into, or otherwise using the App, you agree to these Terms. If you do not agree, do not use the App.
The App is an informational tool that allows employees of participating employers to view benefit plan documents and related links that their employer has made available. It is a reference and convenience tool only. The App does not enroll you in any benefit plan, does not process claims, does not provide quotes, and does not allow you to make changes to your coverage.
The App is intended for use by employees and eligible individuals of participating employers, and by adults aged 18 or older. Access is provided through a company access code supplied by your employer. You agree to use only an access code that has been provided to you or that you are otherwise authorized to use, and to keep it reasonably confidential. Access codes identify a company, not an individual, and may be deactivated or rotated at any time at the request of your employer or by us.
You agree not to share an access code publicly, and not to attempt to guess, derive, or otherwise obtain an access code belonging to a company you are not associated with.
This is the most important thing to understand about the App. The benefit summaries, guides, and other materials shown in the App are provided for general informational purposes only. They are summaries and convenience copies. They are not a contract, not a certificate of coverage, and not a guarantee of benefits.
If anything shown in the App conflicts with, omits, or differs from the official plan documents, insurance policies, certificates of coverage, or contracts issued by the applicable insurance carrier or plan administrator, those official documents control in all cases. Eligibility, coverage, exclusions, limitations, and claims decisions are determined solely under those official documents and by the applicable carrier or plan administrator — not by the App and not by what the App displays.
Materials in the App may be out of date, incomplete, or superseded. Always confirm current coverage details with your employer's HR department, the plan administrator, or the applicable carrier before relying on them.
Relation is not the plan sponsor, the plan administrator, or a fiduciary of any employee benefit plan, and the App is not a summary plan description. Making a document available through the App is a convenience only; on its own it does not deliver, furnish, or disclose that document to you for purposes of the Employee Retirement Income Security Act of 1974 (ERISA) or any other law, and it does not replace any notice, document, or disclosure your plan is required to provide to you by other means.
Nothing in the App constitutes insurance, legal, tax, medical, or financial advice, and nothing in the App is a recommendation to select or decline any particular benefit plan or option. The App does not create a broker, agent, advisor, or fiduciary relationship between you and Relation. You should consult a qualified professional, your employer's HR department, or the applicable carrier regarding your individual circumstances.
The App is not an offer or solicitation to buy insurance and is not an advertisement for any particular insurance product. Relation is a licensed insurance producer, but it does not act in that capacity through the App: no coverage is quoted, applied for, bound, changed, renewed, or cancelled through the App, and no licensed producer reviews or responds to anything you do in the App.
The App does not provide a way to send information, requests, or instructions to Relation, to your employer, to a plan administrator, or to a carrier. Using the App — including opening a document or following a link — does not give notice of a claim, an enrollment, a life event, a change of address, or anything else to anyone. Any such notice must be given through your normal HR, plan administrator, or carrier channels.
The documents and links shown in the App are supplied by, or on behalf of, your employer and the carriers and administrators it works with. Relation displays that content but does not independently verify, author, or guarantee its accuracy, completeness, or currency. Your employer is responsible for the materials it makes available and for keeping them up to date.
The App is designed to display plan-level materials — the same brochures, summaries, and guides an employer would hand out to its whole workforce. It is not designed to hold information about you as an individual. The App has no user accounts, and the only thing you ever type into it is your employer's access code. There is no way to upload, submit, or message anything to us through the App.
Do not use the App to transmit medical, health, financial, or other personal information, and do not treat it as a channel for anything confidential. If you believe a document in the App contains information about an individual that should not be generally available, please stop viewing it and tell your employer's HR department, or contact us using the details in Section 18, so it can be removed.
What the App collects, and what it does not, is described in our Privacy Policy, which forms part of these Terms.
The App contains links to third-party websites and services, including carrier portals, HR and payroll systems, and other resources. Those services are operated by third parties, not by Relation. We do not control them and are not responsible for their content, availability, security, accuracy, or privacy practices. Your use of any third-party service is governed by that third party's own terms and privacy policy, and any dealings you have with a third party are solely between you and that third party.
You agree not to:
The App, including its software, design, text, graphics, and the Relation name and logo, is owned by Relation or its licensors and is protected by intellectual property laws. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the App for the purpose of viewing your employer's benefit information. Benefit documents and carrier materials remain the property of their respective owners. No other rights are granted.
To the maximum extent permitted by applicable law, the App and all content in it are provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, title, and non-infringement. We do not warrant that the App will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the content shown will be accurate, complete, or current.
Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.
To the maximum extent permitted by applicable law, Relation and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or relating to your use of, or inability to use, the App — including any reliance on information displayed in the App — whether based in contract, tort, negligence, strict liability, or any other theory, and even if we have been advised of the possibility of such damages.
To the maximum extent permitted by applicable law, our total aggregate liability arising out of or relating to the App or these Terms will not exceed the greater of (a) one hundred U.S. dollars (US $100.00) and (b) the total amount, if any, you paid us for the App in the twelve months before the event giving rise to the claim. The App is provided to you free of charge, through your employer, so this limit is a floor rather than a refund: it applies even though you paid us nothing.
Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud, willful injury, or violation of law. Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you.
We may modify, suspend, or discontinue the App or any part of it at any time, with or without notice. We may also stop providing access to a particular employer's materials, including if that employer stops participating in the service. We are not liable to you for any modification, suspension, or discontinuation of the App.
We may suspend or terminate your access to the App at any time if we reasonably believe you have violated these Terms or if your employer's participation ends. You may stop using the App at any time by uninstalling it. Sections 3 through 11 and Sections 14 through 16 survive any termination.
These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the App will be brought exclusively in the state or federal courts located in the State of Delaware, and you consent to the jurisdiction of those courts. Nothing in this section limits any right you may have to bring a claim in a small-claims court of competent jurisdiction, and nothing in this section deprives you of the protection of any consumer-protection law of your home state that cannot be waived by agreement.
To the extent permitted by applicable law, any claim arising out of or relating to these Terms or the App must be brought within one (1) year after the claim arose, or it is permanently barred.
The following applies if you obtained the App from the Apple App Store:
If any part of these Terms is held to be unenforceable, that part will be limited or removed to the minimum extent necessary, and the rest of these Terms will remain in full force. If we do not enforce a provision of these Terms, that is not a waiver of our right to do so later. You may not assign or transfer these Terms; we may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets. These Terms, together with our Privacy Policy, are the entire agreement between you and Relation about the App and replace any earlier understanding about it. Except for Apple as described in Section 15, these Terms do not give any rights to anyone who is not a party to them.
We may update these Terms from time to time. When we do, we will revise the effective date at the top of this page. Your continued use of the App after an update takes effect constitutes acceptance of the revised Terms. If you do not agree to the updated Terms, you should stop using the App.
If you have questions, complaints, or claims about the App or these Terms, please contact us at:
Relation Insurance Services, Inc.
300 S. Wacker Drive, Suite 1250
Chicago, IL 60606
United States
Email: mobileapps@relationinsurance.com