Terms & Conditions
These Terms & Conditions constitute a binding agreement governing the provision of health insurance brokerage services, policy advocacy, and digital portal access by our firm.
MANDATORY ARBITRATION NOTICE: BY ENGAGING OUR FIRM OR UTILIZING OUR DIGITAL INFRASTRUCTURE, YOU EXPRESSLY WAIVE THE RIGHT TO A JURY TRIAL AND AGREE TO RESOLVE ANY DISPUTES EXCLUSIVELY THROUGH BINDING, INDIVIDUAL ARBITRATION.
I. Nature of the Advisory Relationship
We function as an independent, licensed health insurance brokerage. We provide market analysis, policy negotiation, and claims advocacy. We are not an insurance carrier, medical provider, or legal counsel. We do not underwrite policies or guarantee coverage. Final decisions regarding application approval, premium rating, and claims adjudication rest entirely with the issuing insurance carrier.
II. Medical Data Integrity Obligation
The success of our policy placement is directly dependent upon the veracity of the medical and demographic data provided by the client. The client warrants that all health history, prescription data, and personal information submitted on applications is accurate, complete, and free from material omission. The firm accepts no liability for policy rescission, claim denial, or adverse underwriting outcomes resulting from inaccuracies or omissions in client-provided medical data.
III. Intellectual Property Rights
All analytical methodologies, proprietary plan comparisons, and digital interfaces remain the exclusive intellectual property of the firm. Clients are granted a restricted, non-transferable license to utilize these outputs solely for personal or internal corporate evaluation. Reproduction or external distribution is strictly prohibited.
IV. Broker of Record Protocol
The formal execution of a Broker of Record (BOR) designation or application signature is required to authorize the firm to negotiate and place coverage with carriers on your behalf. Compensation is generally derived from carrier commissions, which are incorporated into your premium. The firm operates transparently in accordance with all state Department of Insurance regulations.
V. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, THE FIRM SHALL NOT BE LIABLE FOR ANY INDIRECT, PUNITIVE, OR CONSEQUENTIAL DAMAGES. AGGREGATE LIABILITY FOR ANY CLAIM ARISING FROM THIS ENGAGEMENT OR A DENIED HEALTH INSURANCE CLAIM SHALL BE CAPPED AT THE TOTAL COMMISSIONS RECEIVED BY THE FIRM RELATED TO THE SPECIFIC CLIENT ACCOUNT IN THE PRECEDING TWELVE MONTHS.