Terms & Conditions

**Effective Date: June 1st, 2025

**Last Updated: June 15th, 2025

1. Acceptance of Terms

By using our site or submitting information, you agree to these Terms and the Privacy Policy.

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2. Services Provided

We collect your data and connect you with licensed agents. We do **not** provide insurance, are not a government entity, will not charge you for our services.

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3. Consent to Contact

You authorize us and our agents to call, email, or text you—including via autodialers, prerecorded calls, and SMS—regarding health insurance. Calls are subject to TCPA/FCC rules (see above). You may revoke consent at any time.

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4. Agent Recordings & Disclosures

In compliance with CMS. Calls about marketing, sales, or enrollment are recorded in their entirety and stored up to 10 years. Agents must disclose plan availability and limitations clearly at the time of enrollment. ( im not sure who this is referring to)

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5. User Responsibilities

You agree to provide truthful information and use the site lawfully. Misuse may terminate your access to this site or services.

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6. Privacy & Security Standards

You acknowledge our HIPAA, CMS, FCC, and state-level compliance and data security safeguards. We disclaim liability for unauthorized breaches beyond our reasonable control.

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7. Limitation of Liability

We are not responsible for:

Your plan eligibility or enrollment outcomes. Actions or omissions of third-party agents. Any inaccuracy in your provided information. Losses stemming from external data breaches.

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8. Indemnification

You agree to indemnify and hold us harmless against claims arising from your use or breach of these Terms.

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9. Governing Law & Dispute Resolution

These Terms are governed by U.S. federal law and the state where you reside. Disputes resolved through binding arbitration under AAA rules; class action waiver applies unless prohibited by law.

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10. Severability

If any provision is invalidated by law, the remainder of the Terms remains in effect.

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11. Contact Information

Questions? Contact us at:

**National Health Advocates**

Email: \[Insert Compliance Email] | Phone: \[Insert Business Phone] | Address: \[Insert Mailing Address]