Terms & Conditions

Dahl Stepanek Benefits Group Last Updated: April 17, 2026

1. Agreement to Terms

By accessing or using the Dahl Stepanek Benefits Group website, services, or communications (collectively, "Services"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Services.

2. Description of Services

Dahl Stepanek Benefits Group provides employee benefits consulting services, including but not limited to FICA tax reduction programs, wellness benefit plan implementation, payroll tax optimization, and related advisory services. All information provided through our website or communications is for informational purposes and does not constitute tax, legal, or financial advice. We recommend consulting with your own qualified tax advisor or legal counsel before making any business decisions.

3. Eligibility

Our services are available to businesses operating within the United States. Certain programs may have minimum employee count requirements (e.g., 35 or more full-time W-2 employees). Eligibility for specific programs will be determined during the consultation process.

4. SMS/Text Messaging Terms

4.1 Consent

By providing your phone number and opting in via our website forms, in-person sign-up, or by texting a keyword to our designated number, you consent to receive SMS/text messages from Dahl Stepanek Benefits Group. These messages may include:

Appointment confirmations and reminders

Follow-up communications regarding your inquiry or proposal

Service updates and program information

Promotional offers related to our benefits consulting services

4.2 Message Frequency

Message frequency varies. You may receive up to 10 messages per month depending on your engagement with our services and consultation status.

4.3 Opt-Out

You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. After opting out, you will receive a one-time confirmation message, and no further messages will be sent unless you re-subscribe. You may also contact us at [email protected] to request removal.

4.4 Help

For help or questions about our text messaging program, reply HELP to any message or contact us at [email protected].

4.5 Costs

Message and data rates may apply. Dahl Stepanek Benefits Group is not responsible for any charges from your mobile carrier related to sending or receiving text messages. Please contact your wireless carrier for details about your messaging plan.

4.6 Carriers

Our text messaging services are supported on major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Carriers are not liable for delayed or undelivered messages.

4.7 No Mobile Information Sharing

We do not sell, rent, loan, trade, lease, or otherwise transfer for profit any phone numbers or personal information collected through our SMS/text messaging program to any third party. Consent to receive text messages is not a condition of purchasing any goods or services.

5. Lead Capture and Submissions

When you submit information through our website forms, including your name, email, phone number, company name, and employee count, you are requesting that a representative from Dahl Stepanek Benefits Group contact you regarding our services. Submission of a form does not create a binding agreement or obligation on either party.

6. Savings Estimates and Calculators

Any savings estimates, projections, or calculations provided on our website or through our communications are for illustrative purposes only. Actual savings will vary based on your company's specific circumstances, including but not limited to employee count, payroll structure, plan selection, and current benefits configuration. Estimates are not guarantees of future results.

7. Intellectual Property

All content on the Dahl Stepanek Benefits Group website, including text, graphics, logos, images, and software, is the property of Dahl Stepanek Benefits Group or its licensors and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

8. Third-Party Links

Our website may contain links to third-party websites or services. Dahl Stepanek Benefits Group is not responsible for the content, privacy practices, or availability of any third-party sites. Inclusion of a link does not imply endorsement.

9. Limitation of Liability

To the maximum extent permitted by law, Dahl Stepanek Benefits Group, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our Services, including but not limited to loss of profits, data, or business opportunities, whether based on warranty, contract, tort, or any other legal theory.

Our total aggregate liability for all claims arising out of or related to these Terms or your use of the Services shall not exceed the total fees paid by you to Dahl Stepanek Benefits Group in the twelve (12) months preceding the claim.

10. Disclaimer of Warranties

Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied. Dahl Stepanek Benefits Group disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our Services will be uninterrupted, error-free, or secure.

11. Indemnification

You agree to indemnify, defend, and hold harmless Dahl Stepanek Benefits Group and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising out of or related to your use of the Services or your violation of these Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Maricopa County, Arizona.

13. Changes to Terms

Dahl Stepanek Benefits Group reserves the right to modify these Terms at any time. Changes will be effective upon posting to our website with an updated "Last Updated" date. Your continued use of our Services after any changes constitutes acceptance of the revised Terms.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.