Terms and Conditions

All US Benefits Group Inc. – bguniversallife.com
Last Updated: August 21, 2025

1. Company Information

All US Benefits Group Inc. (“the Company”)
Website: https://www.bguniversallife.com (“the Site”)
Address: 2030 North Loop West, Suite 288, Houston, TX 77018, USA
Phone: +1 (832) 649-4097
Email: info@bguniversallife.com

2. Acceptance of Terms

By accessing or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions of Use (“Terms”). If you do not agree, you must not use the Site. The Company (All US Benefits Group Inc.) may update or modify these Terms at any time, and the most current version will always be posted on this Site.
Your continued use of the Site, including the submission of forms, constitutes your acceptance of these Terms and our Privacy Policy.

3. Purpose of the Site

The primary purpose of the Site is to allow users to schedule appointments with the Company’s agents and to request information about our services. The content is for general informational purposes only and does not constitute legal, tax, accounting, or financial advice, nor does it guarantee the approval or availability of any product or service.

4. Appointment Scheduling

By submitting a form or booking an appointment through the Site, you authorize the Company to contact you by phone, email, or SMS strictly for appointment confirmations, reminders, and scheduling updates. Scheduling an appointment does not guarantee the availability, approval, or suitability of any product or service.

5. Availability of Products and Services

Our services may not be available in all states or regions.
All services are subject to applicable requirements and availability.
Mention of any service, benefit, or feature on this Site does not guarantee availability to all users.

6. Educational Nature of Information

All materials on this Site are provided for general informational purposes only.
The content is not intended as legal, tax, or professional advice and should not be relied upon as such.
Users should always seek independent professional guidance for their individual circumstances.

7. Communications and SMS Consent

By submitting contact form or providing your contact information, you agree that All US Benefits Group Inc. may contact you by SMS (text message) for appointment confirmations, reminders, and scheduling updates.

Message & data rates may apply.
Message frequency may vary.
You may opt out of SMS at any time by replying STOP; for assistance, reply HELP or contact us at info@bguniversallife.com or +1 (832) 649-4097.
Consent to receive SMS is not a condition of purchasing any goods or services.
For information about how we handle personal data, please see our Privacy Policy.

8. Privacy and Data Protection

The handling of personal information is governed by our Privacy Policy, which includes details about SMS communications. By using the Site or submitting information, you agree to the terms of our Privacy Policy.

9. Intellectual Property

All content on the Site (including text, logos, graphics, photos, videos, documents, and source code) is the property of All US Benefits Group Inc. or is used under license. Unauthorized copying, reproduction, distribution, or modification is strictly prohibited without prior written consent from the Company.

10. Acceptable Use and Prohibited Conduct

You agree not to:

Use the Site for unlawful, fraudulent, or harmful purposes.
Attempt unauthorized access to systems, accounts, or data.
Upload or transmit malware, bots, or any harmful code.
Post or share content that is defamatory, obscene, or infringes on third-party rights.

11. Links to Third-Party Websites

The Site may contain links to external websites. The Company does not control, endorse, or assume responsibility for the content, policies, or practices of third-party sites. Users should review the terms and conditions of any external websites they visit.

12. Disclaimer of Warranties

The Site and its content are provided “as is” and “as available,” without warranties of any kind. The Company does not guarantee uninterrupted access or error-free operation.
Nothing on the Site should be considered legal or professional advice for individual circumstances. Users should consult a qualified professional for personalized guidance.

13. Limitation of Liability

To the fullest extent permitted by law, All US Benefits Group Inc. shall not be liable for any indirect, incidental, special, punitive, or consequential damages arising out of your use or inability to use the Site. The total liability of the Company for any claim shall not exceed the greater of $100 USD or the amount you paid (if any) to the Company for access to the Site.

14. Indemnification

You agree to indemnify and hold harmless the Company, its employees, directors, and affiliates from any claims, losses, damages, liabilities, or expenses (including reasonable attorneys’ fees) arising from your use of the Site, your violation of these Terms, or your infringement of any rights of third parties.

15. Modifications

The Company may update, modify, or discontinue the Site or these Terms at any time without prior notice. The updated version will be posted with the effective date.

16. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, USA, without regard to conflict of law principles. Any disputes shall be resolved exclusively in the state or federal courts located in Texas.

17. General Provisions

Severability: If any provision is found invalid, the remaining provisions remain in force.
No Waiver: Failure to enforce any provision does not constitute a waiver.
Entire Agreement: These Terms represent the entire agreement between you and the Company regarding the use of the Site.

18. Contact Information

For any questions regarding these Terms and Conditions, please contact us:
All US Benefits Group Inc.
2030 North Loop West, Suite 288
Houston, TX 77018
Phone: +1 (832) 649-4097
Email: info@bguniversallife.com

All Us
Benefits Group Inc.

Agents