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Warp Insurance Services LLC
NPN: 22074328
Last updated March 1, 2026
These Benefits Administration Services Additional Terms ("Ben Admin Terms") are incorporated into and form part of the Warp Employer Terms of Service (the "Agreement"). These Ben Admin Terms govern the benefits administration services ("Ben Admin Services") provided by Poaster Technologies Inc. doing business as Warp ("Warp"). Capitalized terms not defined here have the meanings set forth in the Agreement. All disclaimers, limitations of liability, and indemnification provisions in the Agreement apply to these Ben Admin Terms.
By using the Ben Admin Services, you agree to these Ben Admin Terms as part of the Agreement.
Warp will provide Customer's authorized benefits administrator ("Benefits Administrator") with access to benefits administration features, including:
For individual employees, the Ben Admin Services are limited to: (a) enrolling in and managing their benefit elections during open or special enrollment periods; and (b) accessing Insurance Policy documents and plan information.
The Ben Admin Services may be used in conjunction with Customer's insurance broker, whether that is Warp Insurance Services LLC ("Warp Insurance"), a Warp broker partner, or Customer's own third-party broker. Customer acknowledges that broker services, including policy placement, carrier negotiations, and renewal management, are not part of the Ben Admin Services. If Customer has appointed Warp Insurance as its broker of record, those services are governed by the Broker Services Additional Terms. Warp is not responsible for acts or omissions of Customer's third-party broker.
Warp may provide summaries and descriptions of Insurance Policies ("Benefits Information") within the platform. In the event of a conflict between Benefits Information and official Insurance Policy documents or certificates issued by a Benefits Provider, the Benefits Provider's documents control. Warp does not provide legal, tax, or accounting advice.
Warp is not a plan sponsor, plan administrator, or insurer. Warp does not design, amend, modify, or terminate any Insurance Policy or benefit plan. Warp does not process claims, determine eligibility, or make coverage decisions. While Warp may communicate enrollment information to Benefits Providers, Warp does not guarantee that enrollment information has been processed or accepted by any Benefits Provider. Customer should contact its Benefits Provider directly for questions regarding eligibility, enrollment status, or claims.
Customer acknowledges that Warp does not act as a fiduciary with respect to Customer or any Insurance Policy or benefit plan. Customer remains the fiduciary of all benefit plans managed through the Ben Admin Services and is responsible for reviewing all communications, notices, and invoices received from Benefits Providers for accuracy.
Warp may provide draft or template plan documents, summary plan descriptions, and related notices ("ERISA Documents") to assist Customer with its obligations under ERISA. Customer acknowledges that:
Warp reserves the right to amend, adjust, or discontinue providing draft ERISA Documents at any time.
Customer agrees to notify Warp at least thirty (30) days prior to the effective date of any material amendment or alteration to a benefit plan document. Customer acknowledges that by amending a benefit plan document, Customer assumes full responsibility for ensuring the Ben Admin Services can support such changes. Warp reserves the right to decline to administer any modification that is incompatible with the platform.
Warp relies on data, representations, eligibility determinations, and other information provided by Customer, its employees, and its Benefits Administrator ("Customer Representations"). Customer is responsible for the accuracy, completeness, and timeliness of all Customer Representations, including confirming carrier enrollments on behalf of its employees. Warp has no obligation to independently verify Customer Representations and bears no liability for errors, omissions, penalties, or losses resulting from inaccurate or incomplete Customer Representations.
Customer agrees that communications related to the Ben Admin Services, including enrollment materials, plan documents, and notices, may be delivered electronically to Customer and its employees.
If Customer becomes aware of any failure, investigation, audit, or penalty relating to the Ben Admin Services, Customer agrees to promptly notify Warp in writing and cooperate in resolving the issue. If Customer requests that Warp attempt to correct an error, Warp may do so but is not obligated to, and Warp is not liable for consequences resulting from any correction attempt or failure to correct.
Customer is solely responsible for compliance with all applicable laws governing its benefit plans, including ERISA, the Internal Revenue Code, and any applicable federal, state, or local healthcare spending, reporting, or coverage requirements. Warp has no liability for Customer's compliance failures, including employee contributions that exceed limits under applicable law.
Customer is solely responsible for funding all benefits payable under applicable benefit plans. Warp has no financial liability for the payment of any benefit plan benefit or claim.
Warp charges fees for the Ben Admin Services as set forth in the Agreement or applicable order form. Warp Insurance may, but is not required to, waive Ben Admin Services fees for customers who use Warp's Broker Services. Any such waiver applies only to the specific fees identified and does not create an obligation to waive fees in future periods.
Without limiting the limitations of liability in the Agreement, Customer acknowledges that:
Warp Insurance Services LLC
NPN: 22074328
