M3 Technology – Terms of Service
Effective Date: December 8, 2025
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Welcome to M³ Technology (“M³ Technology,” “Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your use of our website, www.m3tech.com, any associated portals, communications, software, tools, and all related services we provide (collectively, the “Services”).
By accessing, browsing, or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use our Services.
1. Overview of our Services
M³ Technology specializes in the design, implementation, enrollment, and administration of voluntary employee benefit programs. Our Services may include:
Benefit program design and consultation
Enrollment support and communication
Customer service and plan assistance
Billing, premium administration, and account reconciliation
Access to proprietary benefit administration tools
Coordination with carriers, employers, and vendors
These Services may be provided through our website, by phone, by email, through online enrollment portals, or other communication channels.
2. Eligibility to Use the Services
By using our Services, you represent that you:
Are at least 18 years old
Are legally able to enter into these Terms
Will provide accurate information during enrollment or account setup
Will use the Services only for lawful, authorized purposes
If accessing the Services on behalf of an employer, union, group, or organization, you confirm that you have the authority to bind that entity to these Terms.
3. No Guarantee of Coverage
M³ Technology is not an insurance carrier. We facilitate the communication, enrollment, and administration of benefit programs offered through insurance carriers and vendors.
Nothing on our website or within our Services:
Guarantees eligibility for coverage
Modifies any insurance policy
Creates a contract of insurance
Ensures approval of claims or benefits
All benefits are governed by the terms, conditions, and limitations of the applicable carrier’s policy or plan document.
4. Benefit Enrollment and User Responsibilities
When enrolling in benefits or providing information through our Services:
You must submit truthful, complete, and up-to-date information.
You are responsible for reviewing all plan documents before enrollment.
You acknowledge that enrollment requests may be subject to carrier approval.
You agree to notify us or your employer of any errors, changes, or omissions promptly.
We are not responsible for enrollment issues or claim outcomes resulting from inaccurate, incomplete, or late submissions.
5. Proprietary Technology and Portal Use
Some Services may require logging into secure portals or proprietary systems (“Portals”). By using these Portals, you agree:
Not to share your login credentials with others
To notify us immediately of unauthorized access
To use the Portals only for lawful purposes and only as permitted
Not to copy, decompile, reverse engineer, or attempt to modify our software
All technology, tools, and digital content remain the exclusive property of M³ Technology and its licensors.
6. Privacy & Data Protection
Your use of the Services may involve providing personal, employment, financial, or benefits-related information. We handle this information in accordance with our Privacy Policy) and applicable laws. Depending on the Services used, we may work with:
Insurance carriers
Third-party administrators
Employers/unions
Enrollment partners
Customer service vendors
By using our Services, you authorize M³ Technology to share information as needed to deliver the requested services.
7. Third-Party Carriers & Vendors
Our Services often involve displaying or communicating information from third-party insurance carriers or vendors. We are not responsible for:
The accuracy of information provided directly by carriers or vendors
Policy changes made by carriers
Carrier billing, premium adjustments, or underwriting decisions
Claim determinations or payment delays
Your relationship with any carrier or vendor is governed by their separate terms and policy documents.
8. Disclaimers
The Services are provided “as is” and “as available.”
We make no warranties, express or implied, including:
Fitness for a particular purpose
Merchantability
Accuracy or completeness of information
Uninterrupted or error-free access
Timeliness of portal functionality
We do not guarantee that communications or submissions made through our Services will be received, reviewed, or processed within a particular timeframe.
9. Limitation of Liability
To the fullest extent permitted by law, M³ Technology, its employees, affiliates, contractors, and partners shall not be liable for:
Indirect, incidental, or consequential damages
Loss of profits, benefits, or data
Delays or failures caused by carriers, vendors, or third parties
Errors resulting from incorrect information provided by users
System outages, cyber incidents, or communication failures
Our total liability for any claim arising from these Services shall not exceed the amount paid (if any) by you directly to M³ Technology for the specific service at issue.
10. Indemnification
You agree to indemnify, defend, and hold harmless M³ Technology from any claims, damages, penalties, or expenses arising from:
Your misuse of the Services
Your violation of these Terms
Your breach of carrier or vendor requirements
Your submission of inaccurate or unlawful information
11. Termination or Suspension
We may suspend or terminate your access to the Services, including portals, at any time if we believe:
You violated these Terms
You shared login credentials
You attempted unauthorized access
You misused or abused the platform
Upon termination, your right to access the Services immediately ends.
12. Intellectual Property
All site content, graphics, branding, text, software, and design elements are the property of M³ Technology or its licensors.
You may not:
Reproduce or distribute our content
Use our trademarks without written permission
Modify or reproduce any part of our website or software
13. Governing Law
These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law rules.
Any disputes shall be resolved exclusively in the courts of Monmouth County, New Jersey.
Contact Us
For questions, concerns, or to exercise your privacy rights, please contact: