Terms of Service

1. Services

BenefitLeakIQ, a product of Blue Horn Ventures LLC ("Company"), provides AI-powered employee benefits overpayment audit services. Our services are advisory only. We analyze client-provided data exports and deliver findings in a confidential report. We do not implement changes, access client systems, or execute corrections.

2. Engagement Model

Services are provided on a flat audit fee plus performance fee basis. The initial performance fee uses a sliding scale (15–22%) calculated against the total documented findings value identified in the audit report. Every dollar in the performance fee is tied to a specific record in the report. The flat audit fee is due on report delivery. The initial performance fee is due 30 days after report delivery, regardless of implementation timeline. If no findings are identified, no performance fee is owed.

The ongoing monitoring retainer includes three layers: monthly leak alerts, quarterly benefit leak update reports, and an annual benefits leak summary. The monitoring performance fee of 15% applies to Net New Findings per quarter when Net New Findings exceed $5,000. The monitoring performance fee is due 30 days after each quarterly update delivery. Carryover protection ensures the same finding is never charged twice. The retainer requires a 3-month minimum commitment with monthly billing paid in advance.

3. Client Obligations

Clients are responsible for providing accurate and complete benefits enrollment and payroll register exports. BenefitLeakIQ's analysis is only as accurate as the data provided. Clients are responsible for implementing remediation actions identified in the report using their own HR team, benefits broker, and/or legal counsel.

4. Advisory Disclaimer

BenefitLeakIQ provides audit findings and remediation guidance as advisory output only. Our reports do not constitute legal, tax, or benefits administration advice. Clients should consult qualified ERISA counsel, tax advisors, and benefits professionals before implementing changes based on our findings.

5. Confidentiality

All client data and findings are treated as confidential. BenefitLeakIQ does not share client findings with any third party. Raw data exports are deleted within 30 days of engagement close upon client request.

6. Limitation of Liability

BenefitLeakIQ's total liability shall not exceed the fees paid by the client for the specific engagement giving rise to the claim. Company is not liable for indirect, incidental, or consequential damages.

7. Governing Law

These terms are governed by the laws of the State of Texas. Any disputes shall be resolved in the state or federal courts located in Texas.

8. Contact

For questions about these terms, contact hello@benefitleakiq.com or write to Blue Horn Ventures LLC, Texas.