Terms and Conditions

Eligibility

You must be at least 18 years old and able to form a legally binding contract to use the Site or request our services. By using the Site, you represent that you meet these requirements.

Who we are

Affordable Health Coverage is an independent, licensed health insurance brokerage. We help individuals, families, and businesses compare and enroll in plans offered by third-party insurance carriers. We are not an insurance carrier, and we do not underwrite, issue, or guarantee any insurance plan. Our advisory services are provided at no direct cost to you; we are typically compensated by the carriers when you enroll. Plan availability and eligibility vary by state and individual circumstances.

Use of the Site

You may use this Site for lawful purposes only. You agree not to:

• Use the Site in any way that violates applicable federal, state, or local laws
• Attempt to gain unauthorized access to any portion of the Site or its systems
• Transmit any harmful, offensive, fraudulent, or disruptive content
• Use automated tools to scrape, harvest, or collect data from the Site
• Interfere with the security or proper functioning of the Site

Informational purposes only

Content on this Site is provided for general informational purposes and does not constitute legal, financial, tax, or medical advice. Health insurance decisions are complex and depend on your individual circumstances. We encourage you to speak with a licensed advisor and review official plan documents before making any coverage decision. In the event of any conflict, the carrier's official policy documents control.

No guarantee of results

While we work to identify suitable options for every client, we cannot guarantee specific premiums, benefits, eligibility, savings, or approval. Insurance products are subject to carrier underwriting, terms, and applicable law, all of which may change.

Communications and text messaging

By providing your contact information, you agree that we may contact you by phone, email, and text message about your inquiry and possible coverage, as described in our Privacy Policy. If you opt in to text messages:

• Messages relate to your insurance inquiry — for example, collecting information about your needs or scheduling a callback. Message frequency varies.
• Reply STOP at any time to unsubscribe; we will send one confirmation and then stop. Reply HELP for assistance.
• Message and data rates may apply, and you should check your plan with your wireless provider. Carriers are not liable for delayed or undelivered messages.

Consent to receive marketing or autodialed messages is not a condition of purchasing any product or service.

Intellectual property

All content on this Site — including text, graphics, logos, and code — is owned by Affordable Health Coverage or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may view and use the Site for your own personal, non-commercial use. You may not republish, sell, rent, sub-license, reproduce, duplicate, or redistribute Site content without our prior written permission. Use of our name or logo for linking requires our consent.

Third-party links and services

The Site may link to third-party websites, including insurance carrier and government enrollment sites. We do not control and are not responsible for the content, products, or privacy practices of those sites. Accessing them is at your own risk and subject to their terms.

Disclaimer of warranties

The Site and its content are provided "as is" and "as available," without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, secure, or that the information on it is complete, accurate, or current.

Limitation of liability

To the fullest extent permitted by law, Affordable Health Coverage and its owners, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, profits, or goodwill, arising from your use of (or inability to use) the Site or our services. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.

Indemnification

You agree to indemnify and hold harmless Affordable Health Coverage from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your misuse of the Site or your violation of these Terms or applicable law.

Changes to these Terms

We may modify these Terms at any time. The "Last updated" date above reflects the most recent revision. Material changes will be posted on this page, and your continued use of the Site after changes take effect constitutes acceptance of the revised Terms.

Governing law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law provisions. You agree that any dispute arising from these Terms or the Site will be subject to the exclusive jurisdiction of the state and federal courts located in Palm Beach County, Florida.