Terms of Service
Effective Date: June 15, 2026
These Terms of Service govern your access to and use of the websites, webpages, forms, content, tools, downloads, communications, and other online services operated by Roy Hardiman Holdings, LLC doing business as American College of Benefit Specialists (ACoBS), including ACoBS.com and any related ACoBS-controlled webpages that link to these Terms. By accessing or using the website, you agree to these Terms. If you do not agree, do not use the website.
ACoBS, the America College of Benefit Specialists, provides practical certification and training programs for professionals who manage, advise on, or oversee employee benefits. Its programs help brokers, consultants, TPAs, HR leaders, and employer-side decision-makers strengthen their expertise across pharmacy, medical, retirement, and voluntary benefits. The goal is straightforward: give benefits professionals the knowledge, credentials, and confidence to make better plan decisions, improve vendor oversight, and serve clients with a higher standard of care.
- Relationship to Other Agreements
These Terms govern use of the website only. They do not modify, replace, or override any signed services agreement, business associate agreement, nondisclosure agreement, statement of work, data use agreement, client contract, consulting agreement, or other written agreement between you or your organization and ACoBS.
If there is a conflict between these Terms and a signed written agreement with ACoBS, the signed written agreement controls for the subject matter covered by that agreement.
- No Medical, Legal, or Plan Administration Advice
Content on this website is for general informational purposes only. It should not be relied upon as medical advice, legal advice, claims determination advice, benefit eligibility advice, fiduciary legal advice, compliance advice, or a substitute for advice from qualified professionals.
ACoBS does not diagnose, treat, prescribe, or provide medical care through this website. Any clinical or pharmacy-related information is educational in nature and should be reviewed with an appropriate licensed healthcare professional.
Plan sponsors, fiduciaries, brokers, consultants, TPAs, and other users remain responsible for their own plan design decisions, legal compliance, fiduciary duties, procurement decisions, vendor oversight, member communications, and benefit determinations.
- No Client Relationship Created
Your use of this website, submission of a form, download of materials, request for information, or communication through the website does not create a client relationship, advisory relationship, fiduciary relationship, consulting engagement, business associate relationship, or contractual obligation between you and ACoBS.
A client or participant relationship is created only when ACoBS accepts a registration, enrollment, purchase, or other written request for services, or when ACoBS and the applicable client enter into a written agreement. Website use, course inquiries, downloads, informal communications, or requests for information do not create a client, advisory, fiduciary, or consulting relationship.
- Website Content Is Not a Guarantee
ACoBS may publish articles, white papers, guides, calculators, comparisons, estimates, case studies, savings examples, or other materials related to pharmacy benefits and PBM/PBA practices. These materials may include assumptions, benchmarks, estimates, or examples that may not apply to every plan, market, population, contract, or pharmacy network.
ACoBS does not guarantee any specific savings amount, clinical outcome, rebate result, pricing result, network result, utilization result, compliance result, or operational result unless expressly stated in a signed written agreement.
Any statements about transparency, fiduciary alignment, cost reduction, plan performance, patient outcomes, or vendor accountability are subject to the facts, data, contract terms, plan design, market conditions, and operational requirements applicable to each client.
- Permitted Use
You may use the website only for lawful, informational, and legitimate business purposes. You may view, download, and print website materials for internal evaluation, education, or procurement purposes, provided that you do not remove copyright, trademark, confidentiality, attribution, or proprietary notices.
You may not use the website or its content to:
copy, scrape, harvest, index, reproduce, or republish ACoBS content at scale;
train, fine-tune, or develop artificial intelligence models or competing tools without written permission;
reverse engineer, interfere with, overload, probe, scan, or test the vulnerability of the website;
attempt to gain unauthorized access to systems, accounts, forms, data, source code, or nonpublic areas;
submit false, misleading, defamatory, infringing, unlawful, or malicious content;
impersonate another person or organization;
use the website to compete unfairly with ACoBS;
misrepresent ACoBS’s services, pricing, fiduciary status, business model, or capabilities;
use ACoBS content in a way that suggests endorsement, partnership, agency, or affiliation without written authorization.
- Intellectual Property
The website and its content are owned by ACoBS or its licensors and are protected by copyright, trademark, trade secret, and other intellectual property laws. This includes text, graphics, logos, service names, page layouts, white papers, articles, guides, frameworks, images, videos, downloads, calculators, forms, software, and other materials.
ACoBS, ACoBS America, ACoBS-related logos, product names, service names, slogans, and related marks are the property of ACoBS or its affiliates. You may not use any ACoBS name, logo, trademark, or service mark without prior written permission.
Except for the limited use rights expressly granted in these Terms, no rights are transferred to you.
- User Submissions
If you submit information through the website, including contact forms, quote requests, meeting requests, comments, files, feedback, suggestions, or other materials, you represent that you have the right to submit that information and that it is accurate to the best of your knowledge.
Do not submit protected health information, confidential plan data, member-level claims data, Social Security numbers, payment information, proprietary employer data, or sensitive personal information through the website unless ACoBS has expressly provided a secure channel and authorized that submission.
By submitting non-confidential feedback, suggestions, or ideas, you grant ACoBS a perpetual, irrevocable, worldwide, royalty-free right to use, modify, and incorporate that feedback without compensation or obligation to you.
- Privacy
ACoBS’s collection and use of personal information is described in its Privacy Policy. By using the website, you acknowledge that ACoBS may collect and use information as described in the Privacy Policy.
- Third-Party Links and Tools
The website may link to third-party websites, tools, platforms, articles, vendors, data sources, or services. These links are provided for convenience only. ACoBS does not control, endorse, guarantee, or assume responsibility for third-party websites, content, security, privacy practices, accuracy, availability, or terms.
You access third-party resources at your own risk.
- No Warranties
The website and all website content are provided “as is” and “as available.” ACoBS makes no warranties, express or implied, regarding the website or its content.
To the fullest extent permitted by law, ACoBS disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, uninterrupted operation, data security, and freedom from viruses or harmful code.
ACoBS does not warrant that the website will be error-free, current, complete, uninterrupted, secure, or suitable for your specific business, clinical, fiduciary, compliance, or procurement needs.
- Limitation of Liability
To the fullest extent permitted by law, ACoBS and its owners, officers, directors, employees, contractors, representatives, affiliates, licensors, and service providers will not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or enhanced damages, including lost profits, lost savings, lost revenue, lost business opportunity, loss of goodwill, data loss, business interruption, procurement error, compliance exposure, or reliance damages arising out of or related to your use of, or inability to use, the website.
To the fullest extent permitted by law, ACoBS’s total liability for any claim arising out of or related to the website or these Terms will not exceed one hundred dollars ($100) or the amount you paid directly to ACoBS for website access, whichever is greater.
Some jurisdictions do not allow certain limitations of liability. In those jurisdictions, ACoBS’s liability will be limited to the maximum extent permitted by law.
- Indemnification
You agree to defend, indemnify, and hold harmless ACoBS and its owners, officers, directors, employees, contractors, representatives, affiliates, licensors, and service providers from and against any claims, damages, liabilities, judgments, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:
your use or misuse of the website;
your violation of these Terms;
your violation of any law, regulation, contract, or third-party right;
information or materials you submit through the website;
your unauthorized use of ACoBS content, trademarks, data, or materials;
your use of the website on behalf of an employer, plan sponsor, client, or other organization without proper authority.
- Confidentiality and Sensitive Information
The public website is not intended for the exchange of confidential, proprietary, regulated, or sensitive information. Unless ACoBS expressly agrees otherwise in writing, information submitted through public website forms will not be treated as confidential.
If you need to send confidential plan, claims, pricing, clinical, procurement, or member-related information to ACoBS, contact ACoBS for approved secure transmission procedures before sending the information.
- Website Availability and Changes
ACoBS may modify, suspend, restrict, replace, or discontinue any part of the website at any time without notice. ACoBS may also update, remove, or revise website content without obligation to maintain prior versions.
ACoBS is not liable for website downtime, delays, errors, maintenance, cyber incidents, third-party hosting failures, or content changes.
- Accuracy of Information
You are responsible for ensuring that any information you submit through the website is accurate, current, complete, and authorized. ACoBS may rely on submitted information when responding to inquiries, evaluating potential engagements, preparing materials, or communicating with you.
ACoBS may decline to respond to any submission that appears false, misleading, incomplete, abusive, unlawful, competitive in bad faith, or outside the intended purpose of the website.
- Communications
By submitting your contact information through the website, you authorize ACoBS to contact you by email, phone, text message, mail, or other reasonable business communication methods regarding your inquiry, ACoBS services, educational materials, events, updates, or related matters.
You may opt out of marketing communications by following unsubscribe instructions or contacting ACoBS. Transactional, administrative, legal, security, and service-related communications may still be sent where appropriate.
- Compliance With Laws
You are responsible for complying with all laws and regulations applicable to your use of the website, including privacy, data protection, intellectual property, healthcare, employment, procurement, anti-spam, and cybersecurity laws.
You may not use the website from any location or in any manner where such use is unlawful or restricted.
- Forward-Looking and Industry Commentary
The website may include commentary regarding pharmacy benefit trends, drug pricing, PBM practices, fiduciary pharmacy benefit administration, legislation, regulation, litigation, market conduct, or industry developments. Such commentary reflects ACoBS’s views at the time published and may change as facts, laws, market conditions, or regulatory guidance evolve.
Industry commentary is not a prediction, legal conclusion, investment recommendation, or guarantee of future events.
- Competitor and Vendor Use
Competitors, vendors, consultants, brokers, data aggregators, and other commercial users may not use the website to copy ACoBS materials, replicate service models, develop competing sales materials, harvest business strategy, reverse engineer tools, or misrepresent ACoBS’s positions.
ACoBS reserves all rights and remedies against unauthorized competitive use, including injunctive relief where appropriate.
- Suspension and Enforcement
ACoBS may block, restrict, suspend, or terminate access to the website for any user, IP address, domain, account, or organization that violates these Terms or presents a security, legal, operational, reputational, or commercial risk.
ACoBS may investigate suspected violations and cooperate with law enforcement, regulators, hosting providers, cybersecurity vendors, or affected third parties where appropriate.
- Governing Law and Venue
These Terms are governed by the laws of the State of Nevada, without regard to conflict-of-law principles.
Any dispute arising out of or related to the website or these Terms must be brought exclusively in the state or federal courts located in Clark County, Nevada, and each party consents to the personal jurisdiction and venue of those courts.
- Arbitration
At ACoBS’s sole election, any dispute arising out of or related to the website or these Terms may be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration will take place in Clark County, Nevada, before one arbitrator, in English. Judgment on the arbitration award may be entered in any court of competent jurisdiction.
Either party may seek temporary, preliminary, or permanent injunctive relief in court for claims involving intellectual property, confidentiality, unauthorized access, data misuse, security threats, or misuse of ACoBS content.
- Class Action Waiver
To the fullest extent permitted by law, you and ACoBS agree that any dispute will be brought only on an individual basis and not as a class action, collective action, representative action, private attorney general action, or consolidated proceeding.
- Time Limit to Bring Claims
To the fullest extent permitted by law, any claim arising out of or related to the website or these Terms must be filed within one year after the claim arises. Any claim not filed within that period is permanently barred.
- Changes to These Terms
ACoBS may update these Terms at any time by posting a revised version on the website. The updated Terms are effective when posted unless a later effective date is stated.
Your continued use of the website after updated Terms are posted means you accept the updated Terms.
- Severability
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect. The unenforceable provision will be modified to the minimum extent necessary to make it enforceable, if permitted by law.
- No Waiver
ACoBS’s failure to enforce any provision of these Terms does not waive its right to enforce that provision or any other provision later.
- Assignment
You may not assign or transfer your rights or obligations under these Terms without ACoBS’s prior written consent. ACoBS may assign these Terms in connection with a merger, acquisition, reorganization, sale of assets, change of control, or transfer of website operations.
- Entire Agreement
These Terms, together with the Privacy Policy and any other website policies expressly incorporated by reference, form the entire agreement between you and ACoBS regarding your use of the website.
- Contact
Questions about these Terms may be directed to:
Roy Hardiman Holdings, LLC
American College of Benefit Specialists (ACoBS)
19 Clifford Street, Suite 800
Detroit, Michigan 48226
Email: info@ACoBS.com
Phone: 702-389-1159