Legal

Terms & Conditions

Last updated: [Month Day, Year] — replace with your actual publish date

These Terms & Conditions ("Terms") govern your use of the HealthACA website and any related services provided by HealthACA ("we," "us," "our"). By accessing this site or requesting an eligibility estimate, you agree to these Terms. If you do not agree, please do not use this site.

This page is a starting template for a health insurance marketplace/agency site. Replace bracketed placeholders with your actual business and licensing details, and have it reviewed by a licensed attorney before publishing.

1. Who we are

HealthACA is a licensed health insurance agency. We help individuals and families compare Affordable Care Act ("ACA") Marketplace health plans and connect them with licensed agents to complete enrollment. HealthACA is not affiliated with, endorsed by, or operated by the U.S. government, HealthCare.gov, or the Centers for Medicare & Medicaid Services.

2. Not medical or legal advice

Nothing on this site constitutes medical advice, financial advice, or a guarantee of coverage, pricing, or subsidy eligibility. Plan availability and pricing are set by insurance carriers and government programs and can change. Any estimate shown on this site is illustrative only and is confirmed by a licensed agent before enrollment.

3. Eligibility and accuracy of information

You agree to provide accurate, current, and complete information when using our eligibility tools or working with an agent. Inaccurate information may affect your subsidy eligibility, plan pricing, or coverage, and you are responsible for reporting changes in income or household size to the Marketplace or your carrier as required.

4. No cost to use our service

There is no cost to you to compare plans or work with a HealthACA agent. We are compensated through a standard commission paid by the insurance carrier you enroll with, at a rate that does not vary by which plan you select.

5. Communications consent

By submitting your contact information through this site, you consent to be contacted by HealthACA and its licensed agents by phone, text, and email regarding health insurance options, as described in our Privacy Policy. Consent is not a condition of purchasing any plan.

6. Acceptable use

You agree not to misuse this site, including by submitting false information, attempting to access accounts or data that are not yours, interfering with site functionality, or using the site for any unlawful purpose.

7. Intellectual property

All content on this site, including text, graphics, logos, and design, is owned by HealthACA or its licensors and is protected by applicable intellectual property laws. You may not copy, reproduce, or distribute this content without our written permission.

8. Third-party links and carriers

This site may link to or reference third-party insurance carriers, government Marketplace sites, or other resources we do not control. We are not responsible for the content, accuracy, or practices of third-party sites.

9. Disclaimer of warranties

This site and its content are provided "as is" without warranties of any kind, express or implied. We do not guarantee that any specific plan, price, or subsidy amount shown will ultimately be available to you, as final terms are set by carriers and government programs.

10. Limitation of liability

To the fullest extent permitted by law, HealthACA is not liable for any indirect, incidental, or consequential damages arising from your use of this site or reliance on any estimate shown here. Our total liability for any claim relating to this site is limited to the amount, if any, you paid directly to us for the service in question.

11. Changes to these Terms

We may update these Terms from time to time. Continued use of the site after changes are posted constitutes acceptance of the revised Terms. The "last updated" date above reflects the most recent revision.

12. Governing law

These Terms are governed by the laws of [State], without regard to its conflict of law principles. [Add your jurisdiction and any arbitration clause here.]

13. Contact us

HealthACA
[Business address]
Email: hello@healthaca.com
Phone: 1-800-555-0148

This page is provided as a starting template and does not constitute legal advice. Have it reviewed by qualified counsel before publishing.