Terms of Use
Effective Date: January 2026
Welcome to the website of Ashley River Benefits Group(“we,” “our,” or “us”). By accessing or using this website (the “Site”), you agree to these Terms of Use. Please read them carefully. If you do not agree, please discontinue use of the Site.
1. Who We Are
Ashley River Benefits Group operates as a marketing name and is affiliated with Lloyd Agencies LLC, a licensed insurance agency. Insurance products are offered through Lloyd Agencies LLC and its appointed carriers. Services are available only to clients located in South Carolina.
2. Educational Nature of Information
All content on this Site is provided for general educational and informational purposes only. It is not intended as legal, tax, medical, or financial advice and should not be relied upon as such. Always consult qualified professionals regarding your specific circumstances.
Insurance product availability, benefits, premiums, and eligibility vary by carrier and are subject to underwriting and policy terms. Nothing on this Site guarantees coverage, approval, or specific outcomes.
3. Use of the Site
You agree to use this Site only for lawful purposes and in compliance with all applicable laws and regulations. You agree not to:
- Access or attempt to access secured areas of the Site without authorization
- Disrupt or interfere with the Site’s operation or security
- Use the Site to transmit false or misleading information
- Copy, distribute, or modify Site content without written consent
4. No Agent-Client Relationship Created
Your use of this Site or submission of information through a contact form does not create an agent-client relationship. Coverage discussions, recommendations, and applications occur only through direct engagement with a licensed insurance agent.
5. Intellectual Property
All text, graphics, logos, and content on this Site are the property of Ashley River Benefits Group or its licensors and are protected under applicable copyright and trademark laws. You may print or download materials for personal, non-commercial use only. Any reproduction or distribution for commercial purposes without written permission is prohibited.
6. External Links
This Site may contain links to external websites for convenience or educational purposes. We are not responsible for the content, accuracy, or privacy practices of linked sites. Links do not constitute an endorsement of those entities or their products.
7. Privacy and Data Collection
Our data collection and handling practices are described in our Privacy Policy. By using this Site, you consent to the collection and use of information as outlined in that policy.
8. Disclaimer of Warranties
The Site and its content are provided “as is” without warranties of any kind, express or implied. We make no guarantees regarding the accuracy, completeness, or timeliness of information provided. Your use of the Site and reliance on its content are at your own risk.
9. Limitation of Liability
To the fullest extent permitted by law, Ashley River Benefits Group, Lloyd Agencies LLC, and their affiliates, agents, or representatives shall not be liable for any indirect, incidental, consequential, or punitive damages arising from use of the Site or its content.
In no event shall our total liability exceed the amount, if any, paid by you for accessing the Site.
10. Compliance with South Carolina Law
This Site and its services are intended only for individuals and employers located in South Carolina. All use is governed by South Carolina law and applicable federal regulations.
11. Indemnification
You agree to indemnify and hold harmless Ashley River Benefits Group, Lloyd Agencies LLC, and their affiliates, officers, and representatives from any claims, liabilities, or expenses arising out of your violation of these Terms of Use or misuse of the Site.
12. Accessibility Commitment
We are committed to providing an accessible website experience consistent with the Web Content Accessibility Guidelines (WCAG 2.1 AA). If you encounter accessibility barriers or require assistance, please contact us at jordansbardsley@yahoo.com.
13. Modifications to Terms
We may update these Terms from time to time. Updates will be posted with a revised “Effective Date.” Continued use of the Site following changes constitutes acceptance of the updated Terms.
14. Contact Information
For questions about these Terms or Site policies, please contact:
Ashley River Benefits Group
Affiliated with Lloyd Agencies LLC
Email: jordansbardsley@yahoo.com
Location: Serving clients located in South Carolina
Ashley River Benefits Group operates as a marketing name and is not an insurance company. Insurance products are offered through Lloyd Agencies LLC, a licensed insurance agency, and its appointed carriers. This website is a solicitation for insurance and provides general educational information only.