Chris Fleck | Benefits Strategy Advisor
Effective Date: October 12, 2026
1. Acceptance of Terms
Welcome to the website of Chris Fleck, Benefits Strategy Advisor and Health Access Solutions Affiliate.
By accessing this website, submitting a form, or requesting information through our website, you agree to these Terms of Service.
If you do not agree to these terms, please discontinue use of the website.
2. Website Purpose
This website provides general information about employee health benefits solutions and offers opportunities to connect with Chris Fleck for additional information.
Visitors may use the website to learn about available benefits strategies, submit inquiries, or request registration for a Health Access Solutions Employer Intro Call.
Information provided on this website is intended for general educational and informational purposes and should not be considered a binding offer of coverage or services.
3. Health Access Solutions Affiliation
Chris Fleck serves as a Benefits Strategy Advisor and Health Access Solutions Affiliate.
Through this affiliation, Chris helps employers explore employee benefits strategies and connect with available solutions offered through Health Access Solutions and its associated programs.
Chris Fleck does not independently underwrite insurance policies, guarantee coverage, or determine eligibility for benefits programs.
Specific program terms, eligibility requirements, coverage options, and enrollment conditions are established by the applicable program administrators, insurers, or service providers.
4. Employee Benefits and Insurance Disclaimer
Information presented on this website is intended to help employers understand potential approaches to employee health benefits.
The solutions discussed may include employer-funded preventive benefits, cooperative healthcare arrangements, and traditional individual health insurance options.
The Health Access Cooperative is not traditional health insurance.
Participation in any benefits program is subject to applicable eligibility requirements, program guidelines, exclusions, limitations, and other governing terms.
Nothing on this website constitutes an insurance policy, guarantee of benefits, binding insurance quote, or promise of coverage.
Visitors should review all official program documents and consult qualified professionals when evaluating benefits options.
5. Form Submissions and Registration Requests
Visitors may submit forms to request information, communicate with Chris Fleck, or request registration for a Health Access Solutions Employer Intro Call.
By submitting a form, you agree to provide accurate and complete information to the best of your knowledge.
Submitting a registration request does not guarantee attendance or automatically complete registration.
Chris Fleck may use the information provided to complete the requested registration through Health Access Solutions.
Official registration confirmations, meeting details, and participation instructions may be provided separately by Health Access Solutions or its designated meeting provider.
We reserve the right to decline or discontinue processing requests that contain inaccurate, incomplete, or inappropriate information.
6. Communications
By submitting information through our website, you acknowledge that Chris Fleck may contact you regarding your inquiry, registration request, or interest in employee benefits solutions, subject to applicable law and any consent you provide.
Communications may include email, telephone calls, and text messages.
Marketing and promotional emails may also be sent in accordance with applicable law and the permissions provided.
You may unsubscribe from marketing emails using the unsubscribe instructions included in those messages.
You may opt out of text messages by replying STOP or requesting that SMS communications be discontinued.
Consent to receive marketing communications is not a condition of purchasing any product or service.
Additional information about our communication practices is available in our Privacy Policy.
7. Accuracy of Information
We make reasonable efforts to provide accurate and current information on this website.
However, employee benefits programs, pricing, eligibility requirements, regulations, and available services may change without notice.
We do not guarantee that all website information will always be complete, accurate, or current.
Visitors should verify important details through official program documentation before making benefits-related decisions.
8. Savings and Performance Disclaimers
This website may reference historical savings, employer experiences, renewal rates, or other performance statistics associated with Health Access Solutions.
These figures are provided for informational purposes and may reflect historical results from participating organizations.
Individual results will vary based on factors including employer size, workforce demographics, geographic location, benefits selection, and other circumstances.
Past performance and individual case studies do not guarantee future savings, renewal rates, or similar results.
9. Intellectual Property
Unless otherwise stated, the text, graphics, branding, design elements, and other materials appearing on this website are owned by Chris Fleck or used with permission from their respective owners.
Visitors may access and use website materials for personal, informational, and legitimate business purposes.
Content may not be reproduced, distributed, modified, or used commercially without appropriate permission.
Trademarks, logos, and other intellectual property belonging to Health Access Solutions or third parties remain the property of their respective owners.
10. Third-Party Websites and Services
Our website may contain links to external websites, including Health Access Solutions, registration platforms, and other service providers.
These third-party websites operate independently and may have their own terms, privacy policies, and business practices.
We are not responsible for the availability, content, security, or practices of independently operated third-party websites.
Accessing external websites is at your discretion.
11. Acceptable Website Use
Visitors agree to use this website only for lawful purposes.
You agree not to:
- Submit false, misleading, or fraudulent information.
- Attempt to gain unauthorized access to website systems.
- Interfere with website functionality or security.
- Use website content or forms for spam, harassment, or other unlawful activities.
- Engage in activities that violate applicable laws or regulations.
We reserve the right to restrict access or disregard submissions that violate these terms.
12. Disclaimer of Warranties
This website and its content are provided on an “as available” and “as is” basis.
To the extent permitted by applicable law, we disclaim warranties regarding the uninterrupted availability, accuracy, completeness, or suitability of website content for a particular purpose.
We do not guarantee that the website will be free from errors, interruptions, or technical issues.
13. Limitation of Liability
To the extent permitted by applicable law, Chris Fleck shall not be liable for indirect, incidental, consequential, or special damages arising from the use of, or inability to use, this website.
This includes damages resulting from reliance on general website information, technical interruptions, or third-party website content.
Nothing in these Terms of Service excludes or limits liability that cannot lawfully be excluded or limited.
14. Privacy and Data Collection
We collect and process personal information in accordance with our Privacy Policy.
Our website uses a third-party Customer Relationship Management (CRM) system to manage form submissions and communications.
We also use Google Analytics and Microsoft Clarity to understand website usage and improve the visitor experience.
For additional information about how we collect, use, and protect personal information, please review our [Privacy Policy].
15. Changes to These Terms
We may update these Terms of Service periodically to reflect changes in our website, services, business practices, or applicable legal requirements.
Updated terms will be posted on this page with a revised effective date.
Continued use of the website following publication of updated terms constitutes acceptance of the revised terms to the extent permitted by applicable law.
16. Governing Law
These Terms of Service are governed by the laws of the State of Minnesota, without regard to conflict-of-law principles, except where applicable law requires otherwise.
17. Contact Information
If you have questions about these Terms of Service, please contact:
Chris Fleck
Benefits Strategy Advisor
Health Access Solutions Affiliate
Email: [email protected]