Terms & Conditions / Disclaimers

Effective Date: 3/9/2026 | Last Updated: 5/13/26

1. Acceptance of Terms

By accessing or using the Innovative Benefits Group (IBG Portland) website at https://ibgportland.com/ (the "Site"), you agree to be bound by these Terms & Conditions. If you do not agree, please discontinue use of the Site.

These Terms apply to all visitors, prospective clients, and anyone who contacts IBG through this Site.

2. About IBG Portland

Innovative Benefits Group (IBG Portland) is an independent employee benefits brokerage licensed to operate in the state of Oregon and Washington. IBG helps small to mid-size businesses design, implement, and manage employee benefits programs.

IBG has served businesses in the Portland metro area and Pacific Northwest since 1999.

3. No Insurance, Legal, or Financial Advice

The information provided on this Site is intended for general informational purposes only and does not constitute:

  • Insurance advice or a recommendation to purchase any specific product or plan

  • Legal advice or legal counsel

  • Financial, tax, or compliance advice

Nothing on this Site creates a broker-client relationship, an insurance contract, or any other professional obligation. A formal relationship with IBG begins only upon execution of a signed Broker of Record (BOR) agreement or other written engagement. The BOR process designates IBG as your company's official benefits broker and is required before IBG can access plan information, negotiate on your behalf, or manage your benefits program.

The information on this Site should not be relied upon as a substitute for consultation with a licensed insurance professional, attorney, or financial advisor. IBG strongly encourages prospective clients to discuss their specific needs, eligibility, and circumstances directly with our team.

4. Insurance Availability & Accuracy

Insurance products, plan availability, pricing, and eligibility are subject to change and vary based on individual business circumstances, employee census data, carrier underwriting guidelines, and applicable state and federal regulations.

Any general information about insurance products or benefits options on this Site:

  • Is subject to change without notice

  • May not reflect current carrier offerings, rates, or plan designs

  • Does not constitute a quote, proposal, or offer of coverage

IBG makes reasonable efforts to keep Site content accurate and current, but we do not guarantee that all information is complete, error-free, or up to date at all times.

5. No Guarantee of Results

IBG does not guarantee specific outcomes, cost savings, or results from our services. Employee benefits brokerage involves factors outside IBG's control, including carrier decisions, regulatory changes, and individual business circumstances.

Client testimonials and case references on this Site reflect individual experiences and are not a guarantee of similar results.

6. External Links

Our Site may contain links to third-party websites, including insurance carriers, regulatory agencies, and industry resources. These links are provided for convenience only. IBG does not endorse, control, or accept responsibility for the content or privacy practices of any third-party sites. We encourage you to review the terms and privacy policies of any external sites you visit.

7. Intellectual Property

All content on this Site — including text, graphics, logos, and page layouts — is the property of Innovative Benefits Group or its content providers and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or use Site content for commercial purposes without IBG's prior written consent.

8. Limitation of Liability

To the fullest extent permitted by applicable law, IBG Portland, its owners, employees, and agents shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of — or inability to use — this Site or its content.

9. Oregon Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of the State of Oregon, without regard to its conflict of law provisions. Any disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Clackamas County, Oregon.

10. Changes to These Terms

IBG reserves the right to update or modify these Terms & Conditions at any time. Changes will be reflected by an updated "Last Updated" date at the top of this page. Continued use of the Site following any changes constitutes your acceptance of the revised Terms.

11. Contact Us

If you have questions about this Terms & Conditions / Disclaimers policy, please contact us:

Innovative Benefits Group (IBG Portland)
Address: 10151 SE Sunnyside Rd, Suite 410 Clackamas, Oregon 97015
Email: info@ibgportland.com
Phone: 503.972.4285
Fax: 503.972.4284