Terms and Conditions

Back to Home

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our website.

2. Use of Website

2.1 Eligibility

You must be at least 18 years old to use this website. By using this website, you represent and warrant that you are at least 18 years of age.

2.2 Permitted Use

You agree to use this website only for lawful purposes and in accordance with these Terms and Conditions. You agree not to:

• Use the website in any way that violates any applicable law or regulation
• Attempt to gain unauthorized access to any portion of the website
• Transmit any viruses, malware, or other harmful code
• Use automated systems to access the website without permission
• Impersonate any person or entity

3. Informational Purpose Only

This website provides general information about benefit programs and services. The information provided is for informational purposes only and does not constitute:

• Professional medical, legal, or financial advice
• An offer to sell or provide any insurance product
• A guarantee of eligibility or approval for any benefit program
• An endorsement of any specific product or service

4. No Guarantees

We make no guarantees, representations, or warranties regarding:

• Your eligibility for any benefit program
• Approval or receipt of any benefits
• The accuracy, completeness, or timeliness of information
• The availability of any service or product
• The amount of any benefits you may receive

Eligibility and approval are determined solely by the administering agencies or insurance companies, not by us.

5. Third-Party Services

This website may connect you with third-party service providers, including:

• Licensed insurance agents or brokers
• Benefit program administrators
• Other service providers

We are not responsible for the services, products, or actions of these third parties. Any agreements or transactions you enter into with third parties are solely between you and those parties.

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of the website owner or its content suppliers and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without express written permission.

7. Disclaimer of Warranties

THE WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR RELIABILITY OF INFORMATION

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• LOSS OF PROFITS OR REVENUE
• LOSS OF DATA OR INFORMATION
• LOSS OF BUSINESS OPPORTUNITIES
• PERSONAL INJURY OR PROPERTY DAMAGE

Our total liability for any claims arising from your use of this website shall not exceed the amount you paid to us, if any.

9. Indemnification

You agree to indemnify, defend, and hold harmless the website owner, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the website
• Your violation of these Terms and Conditions
• Your violation of any rights of another party

10. Links to Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of these external sites. The inclusion of any link does not imply endorsement by us.

11. Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on this page. Your continued use of the website after changes are posted constitutes acceptance of the modified terms.

12. Termination

We reserve the right to terminate or suspend your access to the website at any time, without notice, for any reason, including violation of these Terms and Conditions.

13. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of [Your State/Country], without regard to its conflict of law provisions. Any disputes arising from these terms shall be resolved in the courts of [Your Jurisdiction].

14. Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and us regarding your use of this website.

16. Contact Information

If you have any questions about these Terms and Conditions, please contact us: