Terms and conditions

These Terms and Conditions (“Terms”) govern your access to and use of primepeobrokers.com (the “Site”) and the PEO, payroll, and employer services evaluation offered through it (the “Services”), provided by A&G Advisors, LLC d/b/a Prime PEO Brokers (“Prime,” “we,” “us,” or “our”), a licensed insurance producer and PEO/HCM advisory firm.

By accessing the Site, submitting information, or requesting an evaluation, you agree to these Terms. If you do not agree, do not use the Site.

These Terms contain a limitation of liability (section 10) and a binding arbitration provision with a class action waiver (section 14). Please read them.

The Site is intended solely for business use by employers, their authorized representatives, and their advisors. It is not for personal, family, or household purposes.

By using the Site you represent that you are at least 18 years old, that you are authorized to act on behalf of the business you identify, and that you have the authority and any required consents to submit all information you provide, including information about employees, dependents, and beneficiaries who are not parties to these Terms.

Nature of the Services. The Services produce estimates and comparisons based on information you provide and on quotes solicited from third-party vendors. They are a purchasing and benchmarking aid.

No professional advice. Nothing on the Site or in any output constitutes legal, tax, accounting, actuarial, employment law, or investment advice. PEO arrangements involve co-employment, and their tax, liability, workers’ compensation, and employment law consequences vary by state and by facts specific to your business. You should consult your own attorney and accountant before entering into any PEO or payroll arrangement. We are not your attorney or accountant and no attorney-client or comparable relationship is created.

No guarantee of savings or results. Cost projections, savings estimates, and comparisons are illustrative and depend entirely on the accuracy and completeness of the information you supply. Actual costs are determined by the vendor you select, following its own underwriting, and may differ materially. We do not guarantee any savings, any particular quote, any specific rate, or that any vendor will offer you terms at all.

Quotes are not binding. Proposals presented to you are the offers of third-party vendors, subject to their underwriting, their terms, and their acceptance. They are not offers by Prime, and are not binding on any party until you and the vendor execute a written agreement.

Not insurance. We do not issue insurance, provide coverage, or assume any risk. Workers’ compensation, health, and other coverages available through a PEO are provided by the PEO or its carriers under their own contracts.

We are compensated by the vendors we place business with. If you engage a PEO, payroll provider, or related vendor as a result of the Services, Prime may receive commission, override, referral fees, bonuses, or other compensation from that vendor. Compensation may vary by vendor, by product, and by volume.

We do not charge you a fee for the evaluation unless separately agreed in writing.

We evaluate vendors we have relationships with. We do not represent that we survey every PEO or payroll provider in the market, or that the vendors presented are the lowest-cost options available anywhere. You are free to obtain quotes independently and to engage any vendor directly.

Additional compensation detail is available on request at admin@primepeobrokers.com.

You agree to:

• Provide accurate, current, and complete information, and to correct it promptly if it changes
• Submit employee and payroll data only where you have authority and any required consents to do so
• Not submit information you are contractually or legally barred from disclosing
• Keep any credentials issued to you confidential and notify us of unauthorized use
• Use the Site only for lawful purposes

You agree not to:

• Access the Site by automated means, scrape it, or attempt to extract underlying data or pricing models
• Reverse engineer, decompile, or attempt to derive the platform’s source code or methodology
• Use the Services to gather competitive intelligence on behalf of a PEO, payroll provider, or competing broker
• Submit false, fabricated, or materially incomplete data to obtain quotes you do not intend to consider in good faith
• Interfere with, disrupt, or attempt to gain unauthorized access to the Site or its systems
• Resell, sublicense, or make the Services available to third parties without written authorization

Inaccurate data produces inaccurate results. We are not responsible for outcomes based on information you supplied incorrectly or incompletely.

Quotes, pricing, fee structures, and proposals provided to you are confidential and provided for your internal evaluation only. You agree not to disclose them to any PEO, payroll provider, broker, or competitor, or to use them to solicit competing bids outside the evaluation process, without our written consent.

This does not restrict disclosure to your own attorneys, accountants, officers, and directors who need to know and who are bound by confidentiality, or disclosure required by law.

The Site, the platform, the evaluation methodology, comparison formats, report templates, benchmarking data, and all related software and content are owned by Prime or its licensors and are protected by intellectual property law.

You receive a limited, revocable, non-exclusive, non-transferable license to access the Site and use outputs prepared for you, solely for evaluating and purchasing services for your own business. All other rights are reserved.

You may use reports prepared for you internally and share them with your own advisors. You may not publish them, distribute them commercially, or remove any attribution or notices.

Your information is handled as described in our privacy policy, which is incorporated into these Terms.

You grant us the right to use information you submit to perform the Services, and you acknowledge that de-identified and aggregated data derived from your submissions may be retained and used for benchmarking and market analysis as described in the privacy policy. De-identified data does not identify you or your business.

We are not a party to any agreement between you and a PEO, payroll provider, or other vendor. We do not control and are not responsible for their services, their pricing, their underwriting decisions, their financial condition, their regulatory compliance, their data practices, or their performance.

Any dispute with a vendor is between you and that vendor. Our role ends when you contract with them, except where you separately engage us for ongoing service work.

We do not warrant the accuracy of information vendors provide to us and pass through to you.

THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY OUTPUT WILL BE ACCURATE, COMPLETE, OR RELIABLE.

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER PRIME NOR ITS MEMBERS, OFFICERS, EMPLOYEES, OR AGENTS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, LOST BUSINESS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SITE OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY.

OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SITE OR SERVICES WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID US IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE THOUSAND DOLLARS ($1,000).

THESE LIMITS APPLY REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN EXCLUSIONS, SO PORTIONS MAY NOT APPLY TO YOU.

You agree to defend, indemnify, and hold harmless A&G Advisors, LLC d/b/a Prime PEO Brokers, and its members, officers, employees, and agents, from any claim, loss, liability, damage, penalty, or expense (including reasonable attorneys’ fees) arising out of or relating to:

• Your breach of these Terms
• Information you submitted that was inaccurate, incomplete, or submitted without authority or required consent
• Any claim by an employee, dependent, or beneficiary whose information you submitted
• Your use of the Site or Services in violation of law
• Your agreement or dispute with any vendor

You consent to receive communications from us electronically, including notices, disclosures, and agreements, and agree that electronic delivery satisfies any legal requirement that communications be in writing.

You agree that electronic signatures and records have the same effect as handwritten signatures and paper records under the federal ESIGN Act and applicable state law.

Telephone and text message consent is addressed in the privacy policy.

We may suspend or terminate your access at any time, with or without notice, for any reason, including suspected violation of these Terms. You may stop using the Site at any time.

Sections 2, 3, 5, 6, 7, 8, 9, 10, 11, 14, and 15 survive termination.

Please read this section carefully. It affects how disputes are resolved.

Informal resolution first. Before initiating arbitration, you agree to notify us in writing at garrett@primepeobrokers.com describing the dispute and the relief sought, and to negotiate in good faith for sixty (60) days.

Binding arbitration. Any dispute arising out of or relating to these Terms, the Site, or the Services that is not resolved informally will be settled by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator, seated in Bexar County, Texas. Judgment on the award may be entered in any court of competent jurisdiction.

Class action waiver. Disputes will be arbitrated on an individual basis only. You and we waive any right to bring or participate in a class, collective, consolidated, or representative action. The arbitrator may not consolidate claims or preside over any representative proceeding. If this waiver is found unenforceable as to a particular claim, that claim proceeds in court and the remainder stays in arbitration.

Exceptions. Either party may bring an individual action in small claims court, and either party may seek injunctive relief in court to protect intellectual property or confidential information.

Governing law and venue. These Terms are governed by the laws of the State of Texas, without regard to conflict of laws principles. For any matter not subject to arbitration, exclusive venue lies in the state and federal courts in Bexar County, Texas, and you consent to that jurisdiction.

Changes. We may modify these Terms at any time by posting a revised version with an updated date. Material changes take effect thirty (30) days after posting. Continued use after that constitutes acceptance.

Entire agreement. These Terms and the privacy policy are the entire agreement regarding the Site and Services, superseding prior understandings. A separately executed written agreement between you and Prime controls over these Terms to the extent of conflict.

Severability. If any provision is held unenforceable, it is modified to the minimum extent necessary and the remainder stays in effect.

No waiver. Failure to enforce any provision is not a waiver of it.

Assignment. You may not assign these Terms without our written consent. We may assign them in connection with a merger, acquisition, or sale of assets.

Force majeure. Neither party is liable for delays or failures caused by events beyond reasonable control.

A&G Advisors, LLC d/b/a Prime PEO Brokers
227 N Loop 1604 E, Ste 150
San Antonio, TX 78232
admin@primepeobrokers.com · 210-201-2976