Last Updated: February 06, 2026
PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE. THEY SET FORTH THE LEGALLY BINDING TERMS AND CONDITIONS FOR YOUR USE OF THIS SITE AND ANY PRODUCTS, SERVICES, OR OFFERS MADE AVAILABLE THROUGH THIS SITE. THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER. THEY AFFECT YOUR LEGAL RIGHTS. PLEASE READ THEM.
These Terms & Conditions ("Terms") govern your use of ProgramBenefits.com, operated by SurgePays Inc., a Nevada corporation, doing business as ProgramBenefits.
ProgramBenefits is not a government agency and submission does not guarantee eligibility for any benefit.
ProgramBenefits acts as an authorized marketing agent only and is not a carrier, lender, government entity, or fiduciary. Final eligibility and approval decisions are made by third-party providers or federal or state funded programs and required qualifications.
You represent that:
By submitting information and by providing your phone number, you provide express written consent under the TCPA and its corresponding FCC Regulations, TSR, and all applicable state laws and regulations to be contacted at the number you provided by ProgramBenefits and its marketing partners, which have been disclosed to you, including via autodialed calls, prerecorded messages, SMS/MMS, and email, even if your number is listed on a state or federal Do-Not-Call registry. Your consent is not required to use our products or services. Message and data rates may apply.
You acknowledge that:
All site content is owned by or licensed to SurgePays Inc.
The site is provided "as is" without warranties of any kind.
SurgePays Inc. shall not be liable for indirect, incidental, punitive, or consequential damages.
YOU NEED TO READ THIS "DISPUTE RESOLUTION" SECTION CAREFULLY. IT LIMITS YOUR RIGHTS TO BRING LAWSUITS AND REQUIRES YOU TO ARBITRATE DISPUTES ON AN INDIVIDUAL BASIS. IN ARBITRATION, THERE IS NO JUDGE OR JURY, AND THE PROCEEDINGS ARE MORE STREAMLINED WITH LIMITED APPELLATE REVIEW.
You have one year in which to bring a claim you know of or should know of against ProgramBenefits or its affiliated companies.
You agree that all claims, disputes, and disagreements that may arise out of or relate, in any way, to your use of this website or the ProgramBenefits services, and/or other content, your relationship with ProgramBenefits, or any other dispute you may perceive to have with ProgramBenefits, whether based on a state or federal statute, or in contract or tort, shall be submitted exclusively to binding arbitration. The term "dispute" shall have the broadest possible meaning. This includes claims that arose, were asserted, or involve facts occurring before the existence of these Terms or any other agreement you may have with Program Benefits, as well as claims that may arise after the termination of these Terms. This arbitration provision is intended to be broadly interpreted.
Notwithstanding the foregoing, issues related to the scope, validity, and enforceability of this arbitration clause are for a court to decide. Each party retains the right to (1) elect (at any time prior to the appointment of an arbitrator) to have any claims heard in small claims court on an individual basis for disputes and actions within the scope of such court's jurisdiction, provided the proceeding remains in small claims court and is not removed or appealed to a court of general jurisdiction, and (2) seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other confidential or proprietary information or intellectual property rights.
ARBITRATION MEANS THAT AN ARBITRATOR AND NOT A JUDGE OR JURY WILL DECIDE THE DISPUTE. RIGHTS TO PREHEARING EXCHANGE OF INFORMATION AND APPEALS MAY BE LIMITED AND EXPEDITED IN ARBITRATION. YOU HEREBY ACKNOWLEDGE AND AGREE THAT YOU ARE WAIVING THE RIGHT TO A TRIAL BY JURY TO THE MAXIMUM EXTENT PERMITTED BY LAW.
YOU ACKNOWLEDGE AND AGREE THAT, TO THE MAXIMUM EXTENT ALLOWED BY LAW, THERE SHALL BE NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE ARBITRATED OR LITIGATED ON A CLASS, JOINT, COLLECTIVE, OR CONSOLIDATED BASIS OR IN A PURPORTED REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC, OR AS A PRIVATE ATTORNEY GENERAL OR FOR PUBLIC INJUNCTIVE RELIEF.
UNLESS BOTH YOU AND PROGRAMBENEFITS OTHERWISE AGREE IN WRITING, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF ANY CLASS, JOINT, COLLECTIVE OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY AWARD RELIEF (INCLUDING ANY DECLARATORY OR INJUNCTIVE RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO RESOLVE AN INDIVIDUAL PARTY'S CLAIM. THE ARBITRATOR MAY NOT AWARD RELIEF FOR OR AGAINST ANYONE WHO IS NOT A PARTY TO THE PROCEEDING.
THIS CLASS ACTION AND COLLECTIVE RELIEF WAIVER IS AN ESSENTIAL PART OF THIS "DISPUTE RESOLUTION" SECTION, AND IF IT IS DEEMED INVALID OR UNENFORCEABLE WITH RESPECT TO A PARTICULAR CLAIM OR DISPUTE, YOU WILL NOT BE ENTITLED TO ARBITRATE SUCH CLAIM OR DISPUTE.
IF A COURT DETERMINES THAT THE CLASS ACTION AND COLLECTIVE RELIEF WAIVER IS NOT ENFORCEABLE AS TO A PARTICULAR CLAIM OR REQUEST FOR RELIEF OR A REQUEST FOR PUBLIC INJUNCTIVE RELIEF, AND AFTER ALL APPEALS FROM THAT DECISION HAVE BEEN EXHAUSTED, THE PARTIES AGREE THAT THE PARTICULAR CLAIM OR REQUEST FOR RELIEF MAY PROCEED IN COURT BUT SHALL BE STAYED PENDING ARBITRATION OF THE REMAINING CLAIMS AND REQUESTS FOR RELIEF.
Access may be suspended or terminated at any time.
We may update these Terms at any time.
SurgePays Inc. (DBA ProgramBenefits)
Email: [email protected]