1. Agreement to Terms
By accessing or using the AI Health Insurance website (the "Site"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to all of these Terms, do not use this Site. These Terms apply to all visitors, users, and others who access or use the Site.
2. Description of Services
AI Health Insurance is a platform that connects individuals with Alain Pierre, a licensed insurance agent, to receive information and quotes for health, dental, vision, and life insurance plans from various carriers (the "Services"). We are not an insurance carrier. The Site provides information about insurance products and facilitates contact with a licensed agent to assist you in the enrollment process for Marketplace and private plans.
3. No Guarantee of Coverage or Eligibility
While we strive to provide accurate information, any quotes or plan details, such as plans starting "as low as $0/month," are based on potential eligibility for government subsidies and are not guaranteed. Final eligibility, premiums, and coverage are determined by the insurance carrier upon completion and verification of your application. Special Enrollment Periods are subject to federal and state regulations and availability is not guaranteed.
4. User Responsibilities
You agree to provide accurate, current, and complete information about yourself as prompted by any forms on the Site or in consultation with our agent. You are solely responsible for the information you provide and for your decisions regarding which insurance plan, if any, to purchase.
5. Disclaimers
The information provided on this Site is for informational purposes only and does not constitute financial, legal, or medical advice. AI Health Insurance is not a party to any insurance policy you may obtain. All insurance plans are offered through licensed agents and underwritten by the respective insurance carriers (e.g., Blue Cross, Ambetter, UnitedHealthcare). We do not endorse any specific carrier or plan.
6. Limitation of Liability
In no event shall AI Health Insurance, nor its directors, employees, partners, or agents, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Site; (ii) any conduct or content of any third party on the Site; (iii) any content obtained from the Site; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory.
7. Intellectual Property
The Site and its original content, features, and functionality are and will remain the exclusive property of AI Health Insurance. The content is protected by copyright and other laws of both the United States and foreign countries. Our trademarks may not be used in connection with any product or service without the prior written consent of AI Health Insurance.
8. Changes to These Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms.
9. Contact Us
If you have any questions about these Terms, please contact us. You can reach our licensed agent, Alain Pierre, by calling (855) 696-6390.