Terms of Use

1. Acceptance of Terms

Please read these Terms of Use (“Terms”) carefully before accessing or using https://www.insurancechoiceadvisor.com (the “Website”), operated by Insurance Choice Advisor (“Company,” “we,” or “us”).

By accessing, browsing, or submitting information through the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and TCPA Consent Disclosure. If you do not agree, you must immediately discontinue use of the Website.

2. Nature of Services

Insurance Choice Advisor provides free educational resources and connects consumers with independent licensed insurance agents and partner agencies. We are not an insurance carrier and do not directly underwrite insurance policies.

Submitting an inquiry through our Website does not constitute an insurance application, binder, or enrollment. Any coverage, premium rate, benefit tier, or eligibility determination is made exclusively by licensed carriers and subject to statutory underwriting guidelines.

3. No Government Affiliation

Consumers seeking official federal information, enrollment directly through the government, or assistance from state health insurance assistance programs (SHIP) may visit Healthcare.gov or call 1-800-Health Coverage (TTY users: 1-877-486-2048) 24 hours a day, 7 days a week.

4. Permitted Use & User Obligations

You agree to use this Website solely for personal, non-commercial purposes. In using the Website, you agree that you will not:

• Provide false, misleading, fraudulent, or inaccurate personal information.
• Submit contact information on behalf of another individual without their prior express written authorization.
• Use automated tools, spiders, scrapers, or bots to harvest data or flood forms.
• Attempt to circumvent security controls or interfere with proper functioning.

5. Intellectual Property Rights

All content on this Website, including text, logos, trademarks, design elements, graphics, icons, and software, is the property of Insurance Choice Advisor or its content licensors and is protected under United States and international copyright and trademark laws.

6. Disclaimers of Warranties & Plan Availability

The Website and all educational materials are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied.

Plan availability, premiums, copayments, and benefits vary by state, county, and individual health qualifications. Not all plans are available in all areas. We do not guarantee that any individual will qualify for coverage, achieve premium savings, or find a plan matching every preference.

7. Limitation of Liability

To the fullest extent permitted by law, Insurance Choice Advisor and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your access to, use of, or inability to use this Website or services provided by independent third-party insurance agents.

8. Dispute Resolution & Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Website shall be resolved through binding confidential arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules.

You agree to waive any right to bring or participate in any class action, consolidated action, or representative lawsuit against Insurance Choice Advisor.

9. Inquiries & Legal Notices

For legal inquiries, formal notices, or questions regarding these Terms, please contact: