Terms of Service
Last updated October 1, 2026
By creating an account or using BenefitSignal ("the Service"), you agree to these terms.
The Service
BenefitSignal indexes public Form 5500 filings from the DOL's EFAST2 system and provides search, filtering, alerts, and pipeline tools for benefits brokers and retirement plan advisors. It is provided on a paid subscription basis, billed through Stripe, in the tiers described on our pricing page.
Data accuracy
Renewal dates, participant counts, carrier names, and broker compensation shown in the Service are derived from Form 5500 filings and our own enrichment logic (for example, projecting a plan's next renewal anniversary from its most recent Schedule A). Filings can be late, amended, or incomplete, and our derived fields are estimates. Confirm anything material — a renewal date, a broker name, a fee figure — directly with the employer before acting on it. The Service is provided "as is" without warranty of accuracy, and we are not liable for decisions made based on it.
Acceptable use
- Use the Service for your own prospecting and account management, not to resell or redistribute the underlying data in bulk.
- Don't attempt to scrape, bypass rate limits, or circumvent the plan tier you're subscribed to.
- Don't use the Service to harass, discriminate against, or make false claims about any employer, broker, or carrier named in it.
- Keep your login credentials confidential; you're responsible for activity under your account, including any team seats you invite.
Subscriptions, billing, and cancellation
Subscriptions renew automatically each billing period until cancelled. You can cancel or change plans anytime from Settings via the Stripe customer portal; cancellation takes effect at the end of the current billing period. Fees are non-refundable except where required by law.
Termination
We may suspend or terminate access for violation of these terms or the acceptable-use rules above. You may cancel your account at any time.
Changes
We may update these terms as the Service evolves. Material changes will be reflected by the "last updated" date above.