M³ Technology, Terms of Service

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 and 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 and 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: