Benefit Airship LLC Partner Program Terms and Conditions

Updated: November 23, 2025
Company: Benefit Airship, LLC, referred to as “Benefit Airship,” “Company,” “we,” “us,” or “our”
Program: Benefit Airship Partner Program, referred to as the “Program”
Participant: The individual or entity enrolling in the Program, referred to as “Partner,” “you,” or “your”

By enrolling in, accessing, or participating in the Program, you agree to be bound by these Terms and Conditions, referred to as the “Agreement.” If you do not agree, you may not participate.

1. Eligibility

To participate in the Program, you must:

  • Be at least 18 years old and legally able to enter into a binding contract.

  • Be a U.S. citizen or lawful U.S. resident authorized to work in the United States.

  • Submit a completed IRS Form W-9 before receiving commissions.

  • Not be legally restricted from marketing or promoting health-related programs.

The Program is void where prohibited.

2. Enrollment

Enrollment requires submitting a complete and truthful application.

Benefit Airship may accept, reject, suspend, or revoke your enrollment at its sole discretion.

Providing false, incomplete, or misleading information is grounds for immediate termination.

3. Partner Responsibilities

3.1 Compliance

You must comply with all applicable laws and regulations, including:

  • FTC rules on advertising, endorsements, and disclosures.

  • CAN-SPAM Act, TCPA, and digital marketing laws.

  • HIPAA-safe behavior, including no handling or collecting PHI.

  • PCI-safe behavior, including no collecting payment card data.

  • Federal and state regulations governing health and wellness marketing.

3.2 Prohibited Conduct

You may not:

  • Misrepresent Company products, services, pricing, or benefits.

  • Provide medical, legal, or insurance advice.

  • Guarantee claim outcomes, approvals, or coverage results.

  • Collect payments or personal health information from customers.

  • Alter, rewrite, or create unauthorized marketing materials.

  • Engage in spam, deceptive marketing, or high-pressure tactics.

  • Use Company trademarks in advertising without written authorization.

  • Represent yourself as an employee, broker, or agent of Benefit Airship.

3.3 Independent Contractor Status

You are an independent contractor. Nothing in this Agreement creates an employment, broker, agency, or joint venture relationship.

You may not bind or obligate the Company under any circumstance.

4. Code of Conduct

Partners must maintain professionalism and integrity at all times.

4.1 Professional Behavior

You agree to:

  • Treat prospects and customers fairly, respectfully, and without discrimination.

  • Communicate accurately and avoid misleading statements.

  • Report compliance concerns or errors immediately.

4.2 Brand Integrity

You must:

  • Use only Company-approved materials.

  • Represent the Company truthfully and without exaggeration.

4.3 Zero Tolerance Violations

Immediate termination may occur for:

  • Fraud, deception, or misrepresentation.

  • Harassment or unethical conduct.

  • Circumventing Company processes.

  • Misuse of Company intellectual property.

5. Product and Benefit Representations

To prevent misinformation:

  • You must use official Company materials when describing benefits.

  • You may not paraphrase, recreate, summarize, or alter benefit descriptions.

  • You may not interpret exclusions, underwriting rules, or claims details.

  • You must direct customers with detailed benefit questions to Benefit Airship.

  • Partner accepts full responsibility for liabilities arising from unauthorized communications.

6. Commissions

6.1 Eligibility

Commissions are earned only on qualifying, verified transactions that:

  • Are properly tracked through Company systems.

  • Have been fully paid by the customer.

  • Are beyond applicable refund or chargeback windows.

  • Meet the Program’s active Partner requirements.

6.2 Non-Transferability

Commissions are not transferable unless expressly authorized in writing by Benefit Airship.

Partners may not sell, assign, pledge, gift, or otherwise transfer commission rights.

Unauthorized transfers are void and may result in termination.

6.3 Upline and Downline Structure

If applicable:

  • All upline and downline relationships are permanent unless Benefit Airship authorizes a change.

  • Partners may not attempt to alter or restructure lineage for any reason.

6.4 Forfeiture of Commissions

Partners forfeit all earned, pending, and future commissions if:

  • They voluntarily leave the Program.

  • They fail to meet Partner eligibility requirements.

  • They fail to pay required Partner fees.

  • They are suspended or terminated for any reason.

  • They engage in misconduct or violate this Agreement.

Forfeitures are final and non-appealable.

6.5 Reinstatement

Reinstatement after termination, cancellation, or non-payment:

  • Requires written authorization from Benefit Airship.

  • May require payment of outstanding fees.

  • Does not guarantee restoration of prior commission rights or downline structure.

  • May be denied for any reason.

6.6 Commission Modifications

Benefit Airship may adjust commission rates, structures, or schedules with notice.

Continued participation constitutes acceptance.

7. Tracking and Attribution

  • Sales are credited via referral links, cookies, and Partner codes.

  • Only transactions successfully tracked through Company systems qualify.

  • The Company is not responsible for tracking failures due to customer device settings, ad blockers, or external technical issues.

8. Partner Fees and Non-Payment

Some Partner tiers require recurring fees.

Failure to pay may result in:

  • Suspension or termination of your Partner account.

  • Loss of access to systems and materials.

  • Forfeiture of unpaid or pending commissions.

Reinstatement is at Company discretion.

9. Commission Payments

  • Commissions are paid monthly on the 25th.

  • Payments are Net 30 from the date of the qualifying sale.

  • Payments are made by PayPal Payouts or another method specified by the Company.

  • A valid W-9 is required before payout.

  • Partners earning $600 or more annually receive Form 1099-NEC.

10. Taxes

Partners are solely responsible for all taxes owed on commissions and earnings.

11. Data Handling and Restrictions

Partners may not:

  • Collect, store, or transmit Protected Health Information, referred to as PHI.

  • Collect credit card, banking, or payment information.

  • Store personal customer data beyond lawful, minimal marketing logs.

  • Request or handle documents relating to health, claims, or identity.

Any violation may result in immediate termination.

12. Intellectual Property and Proprietary Rights

12.1 Ownership

Benefit Airship retains all rights to:

  • Technology, platforms, systems, and software.

  • Algorithms, processes, workflows, and operational methods.

  • Benefit designs, pricing structures, and program architectures.

  • Carrier relationships, administrative models, and compensation structures.

  • Branding, logos, trademarks, and creative assets.

  • Training materials, scripts, playbooks, and documentation.

No ownership or rights are transferred to Partner.

12.2 Limited License

Partners receive a limited, non-exclusive, revocable license to use Company-approved marketing materials solely for Program participation.

12.3 Reverse Engineering Prohibition

Partner agrees not to:

  • Reverse engineer or attempt to derive source code.

  • Disassemble or analyze system architecture or program logic.

  • Replicate or recreate Company technology, platform design, workflows, or algorithms.

  • Develop competing systems or benefit programs based on Company intellectual property.

  • Copy or redesign pricing models, Partner structures, or benefit designs.

  • Attempt to duplicate carrier, network, or vendor relationships.

12.4 No Unauthorized Reproduction

Partner may not reproduce, screenshot, copy, or recreate:

  • Internal presentations.

  • Plan designs or pricing sheets.

  • Carrier or vendor materials.

  • Training content or playbooks.

  • Software UI or UX components.

  • Product descriptions or system structures.

12.5 Non-Circumvention

Partner may not attempt to:

  • Bypass Benefit Airship to work directly with its carriers, vendors, or providers.

  • Solicit Company relationships for competing business.

  • Replicate Company partnerships.

12.6 Enforcement

Unauthorized use, reproduction, or reverse engineering constitutes irreparable harm.

Benefit Airship is entitled to injunctive relief and any other legal remedies available.

13. Disclaimer of Warranties

The Program is provided “as is” without any warranties, express or implied, including warranties relating to:

  • Accuracy.

  • Availability.

  • Performance.

  • Non-infringement.

  • Fitness for a particular purpose.

14. Limitation of Liability

Benefit Airship is not liable for indirect, incidental, or consequential damages.

Total liability is limited to the commissions paid to Partner in the six (6) months preceding any claim.

15. Indemnification

Partner agrees to indemnify and hold harmless Benefit Airship and its officers, employees, affiliates, and partners from all claims arising out of:

  • Misrepresentation or unauthorized statements.

  • Violations of law or compliance rules.

  • Misuse of Company intellectual property or confidential information.

  • Collection or mishandling of customer data.

  • Breach of this Agreement.

This obligation survives termination.

16. Confidentiality and Non-Disclosure Agreement

Partner agrees to keep confidential all non-public information, including:

  • Pricing, pricing algorithms, and compensation structures.

  • Carrier relationships and internal processes.

  • Program designs, plan structures, and benefit models.

  • Technical details, workflows, and platform functions.

  • Customer data, Partner data, and corporate strategy.

Partner may not disclose or use such information outside of Program participation.

The confidentiality obligations in this section survive for five (5) years after termination.

17. Term and Termination

Either party may terminate the Agreement at any time.

Benefit Airship may suspend or terminate Partner immediately for any violation, misconduct, misrepresentation, or activity harmful to the Company.

Upon termination:

  • All rights and licenses expire.

  • Partner must cease use of Company intellectual property.

  • All pending commissions may be forfeited.

18. Marketing Do and Don’t Guide

18.1 Do

Partners must:

  • Use only Company-approved marketing materials.

  • Disclose the Partner or affiliate relationship when required.

  • Represent all pricing and benefits exactly as provided.

  • Direct detailed benefit questions to the Company.

  • Follow all email, advertising, and communication compliance rules.

18.2 Don’t

Partners must not:

  • Alter or paraphrase Company benefits or plan descriptions.

  • Claim that Benefit Airship is major medical insurance unless explicitly stated.

  • Guarantee savings, outcomes, or coverage results.

  • Collect PHI, payment data, or sensitive customer information.

  • Run paid ads using Company trademarks without written permission.

  • Impersonate a Company employee, insurance agent, or medical professional.

Partners must not make statements such as:

  • “Covers everything.”

  • “Guaranteed approval.”

  • “This replaces insurance.”

  • “Unlimited coverage without exclusions.”

Any violation may result in immediate termination.

19. Amendments

The Company may modify these Terms at any time.

Continued participation constitutes acceptance.

20. Broker of Record Designation

20.1 Benefit Airship as Broker of Record

For all insurance-related products, plans, policies, or programs, referred to as “Insurance Products,” sold, marketed, referred, or otherwise generated through Partner activities, Benefit Airship, LLC shall be the sole and exclusive Broker of Record, referred to as “BOR.”

This includes, without limitation:

  • Major medical insurance plans.

  • Level-funded, self-funded, or partially self-funded plans.

  • Minimum Essential Coverage, referred to as MEC, MVP, indemnity, limited medical, or fixed benefit plans.

  • Dental, vision, life, accident, disability, and supplemental plans.

  • Any insurance product provided through Benefit Airship, its carriers, TPAs, MGUs, networks, or administrative partners.

Partner acknowledges that all insurance relationships created through Program activity are assigned to Benefit Airship as the Broker of Record.

20.2 Partner Restrictions

Partner agrees and acknowledges:

  • Partner is not a Broker of Record.

  • Partner may not represent themselves as a broker, insurance agent, advisor, or licensed insurance authority.

  • Partner may not execute, submit, or sign any BOR forms.

  • Partner may not attempt to modify, transfer, replace, or interfere with Benefit Airship’s BOR status.

  • Partner may not engage in conduct that implies authority to legally represent, bind, or act as Benefit Airship.

Any such conduct is a material breach of this Agreement.

20.3 Scope of Authority

Only Benefit Airship or its licensed broker partners may:

  • Provide insurance advice or coverage interpretations.

  • Explain underwriting criteria, exclusions, or benefits.

  • Process insurance applications, BOR forms, or group submissions.

  • Communicate with carriers or TPAs regarding client matters.

  • Negotiate group pricing, commissions, or plan structures.

Partner’s role is limited strictly to referral, marketing, and promotion.

20.4 Non-Circumvention

Partner agrees not to:

  • Contact or engage directly with any carrier, TPA, MGU, network, or benefits provider introduced by Benefit Airship.

  • Attempt to secure appointments, contracts, or commissions from Company carriers for competing purposes.

  • Redirect prospects to competing brokers, carriers, or platforms.

  • Encourage, solicit, or assist in BOR changes away from Benefit Airship.

Any attempt to circumvent is grounds for immediate termination and forfeiture of all commissions.

20.5 Non-Interference with Company Relationships

Partner may not interfere with or attempt to influence:

  • Broker appointments.

  • Carrier or TPA relationships.

  • Commission schedules.

  • Administrative agreements.

  • Product or pricing structures.

All such relationships are proprietary to Benefit Airship.

20.6 Liability Limitation

Benefit Airship is not liable for:

  • Misrepresentations made by Partner.

  • Unauthorized insurance advice provided by Partner.

  • Misstatements of coverage, pricing, or benefits.

  • Compliance violations caused by Partner activity.

Partner acknowledges that Benefit Airship’s obligations begin only upon receipt of a valid enrollment processed through approved Company systems.

20.7 Indemnification

Partner shall indemnify and hold harmless Benefit Airship and its affiliates from any and all losses, claims, damages, regulatory actions, penalties, or legal costs resulting from:

  • Unauthorized insurance advice.

  • Misrepresentation of coverage or benefits.

  • Attempted interference with BOR status.

  • Non-compliance with federal or state insurance marketing laws.

  • Any conduct outside Partner’s permitted role.

This provision survives termination indefinitely.

20.8 Continuity of Broker of Record Status

Benefit Airship remains the Broker of Record until:

  • The customer executes a valid BOR transfer naming another broker; and

  • The applicable carrier or TPA formally accepts and processes the change.

Partner has no authority to modify, challenge, or influence BOR status under any circumstances.

21. Entire Agreement

This Agreement constitutes the entire understanding between the parties and supersedes all prior agreements or communications relating to the Program.