1. Agreement to Terms
These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and Agency (“we,” “us,” or “our”), concerning your access to and use of aca.advantagelifeandhealth.com as well as any other media form, mobile website, or data-collection forms related, linked, or otherwise connected thereto (collectively, the “Site”).
You agree that by accessing the Site, you have read, understood, and agree to be bound by all of these Terms of Use, as well as our Privacy Policy and ACA Consent authorizations. If you do not agree with all of these terms, you are expressly prohibited from using the Site and must discontinue use immediately.
2. Regulatory Disclaimers
The information provided on this Site is for informational purposes only and does not constitute medical advice, diagnosis, or treatment. It is not a substitute for professional medical advice. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition.
Agency is an independent, licensed health insurance agency. We are not endorsed by, affiliated with, or acting on behalf of the Health Insurance Marketplace®, the Centers for Medicare & Medicaid Services (CMS), or any other federal or state government agency. This Site is not HealthCare.gov.
Plan information provided during the quoting process is for general guidance and is not a comprehensive description of benefits. For a complete list of benefits, limitations, and exclusions, you must refer to the official plan documents provided by the issuing insurance carrier.
3. Use of the Site
You agree to use the Site only for lawful purposes. You may not use the Site:
- In any way that violates any applicable federal, state, local, or international law, including providing false or fraudulent information on ACA applications.
- To transmit, or procure the sending of, any advertising or promotional material without our prior written consent, including any "spam" or similar solicitation.
- To impersonate or attempt to impersonate us, our licensed agents, another user, or any other person or entity.
- To interfere with, disrupt, or attempt to gain unauthorized access to the Site's servers, databases, or compliance architecture.
4. Third-Party Links
The Site may contain links to other websites or content belonging to or originating from third parties (such as insurance carrier websites, identity verification portals, or government exchanges). Such Third-Party Links are not monitored or checked for accuracy by us, and we are not responsible for any Third-Party Links accessed through the Site.
5. Limitation of Liability
IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
6. Governing Law
These Terms of Use and your use of the Site are governed by and construed in accordance with applicable Federal laws and the laws of the state in which the agency is headquartered, without regard to its conflict of law principles.
7. Changes to These Terms
We may update these Terms of Use from time to time to ensure compliance with CMS regulations or operational changes. The updated version will be indicated by an updated "Last Updated" date. We encourage you to review these terms periodically to stay informed.
8. Contact Us
If you have questions or comments about these Terms of Use, please contact us at: