Terms of Service

Last updated: [DATE] · Operated by [BUSINESS LEGAL NAME], a Massachusetts [LLC] ("we," "us"). Contact: [EMAIL].

1. What this is

The free questionnaire and the optional paid "Personal Benefits Audit" provide general information and clerical/coordination assistance to help Massachusetts residents identify and apply for public benefit programs they may qualify for. We are not a government agency and are not affiliated with, endorsed by, or sponsored by any federal, state, or municipal agency, the Social Security Administration, the Department of Veterans Affairs, MassHealth, or the IRS/Massachusetts DOR.

2. Not legal, tax, or financial advice

Nothing here is legal, tax, accounting, investment, or financial advice, and using the tool or service does not create an attorney–client or other professional relationship. Eligibility rules and benefit amounts change and vary by town and by individual circumstances. You should confirm everything with the relevant program or a licensed professional before relying on it.

3. What the paid service does and does NOT do

• We help with: reviewing your situation, producing a written action plan, and assisting you in completing applications for programs where non-professional assistance is permitted (e.g., local senior property-tax exemptions, Fuel Assistance/LIHEAP, SNAP, and community MassHealth screening).
• We do NOT, for a fee: prepare, present, or prosecute any U.S. Department of Veterans Affairs claim (including Aid & Attendance) — this requires VA accreditation and we refer all VA matters to a free, accredited Veterans Service Officer; prepare or file tax returns (the Senior Circuit Breaker is claimed on your tax return — we help you gather documents and you or your tax preparer file); or provide Medicaid/MassHealth long-term-care asset-protection planning (referred to a licensed elder-law attorney).

4. No guarantee of approval; the money-back guarantee

We do not control any agency's decision and cannot guarantee any benefit will be approved or any specific dollar amount. Our service guarantee is limited and specific: [STATE THE EXACT TERMS — e.g., "if our audit does not identify at least $500/year in benefit programs you are not already receiving and appear likely to qualify for, we will refund your fee in full upon request within 30 days"]. The guarantee covers our identification of programs, not an agency's ultimate approval. [Attorney to finalize so the guarantee is not "illusory" under c.93A.]

5. Fees

The Personal Benefits Audit is a one-time fee of [$179], disclosed in full before purchase, with no hidden or recurring charges unless you separately enroll in an optional annual renewal service. (Massachusetts 940 CMR 38 requires clear total-price disclosure.)

6. Your responsibilities

You agree to provide accurate information and confirm that, if you are entering information about another person, you have that person's authorization to do so and to seek benefits assistance on their behalf.

7. Limitation of liability

[Attorney to draft a limitation of liability and indemnification clause appropriate for an advisory/clerical service in Massachusetts.]

8. Governing law

These terms are governed by the laws of the Commonwealth of Massachusetts.

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