Terms of Service

Introduction

These Terms of Service (“Terms”) govern your use of the Trusted PPO Plans website (trustedppoplans.com) and the information and services provided through it. By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. Description of Services

Trusted PPO Plans is a marketing platform that connects consumers with licensed insurance professionals. We help consumers compare private Preferred Provider Organization (PPO) health insurance plans, obtain quotes, and enroll in coverage with carrier partners. We are not an insurance company or carrier — we are licensed agents who connect consumers with health insurance plans underwritten and issued by third-party carriers.

2. Not Insurance, Legal, Medical, Tax, or Financial Advice

Information provided on the Site — including articles, plan comparisons, cost estimates, and related content — is for general informational purposes only. It does not constitute:

• Insurance advice specific to your situation
• Legal or tax advice
• Medical or health advice
• Financial or investment advice

For advice specific to your circumstances, consult a licensed professional. Final plan terms, benefits, premiums, deductibles, and eligibility are determined by the insurance carrier and the plan contract, not by content on this Site.

3. Accuracy of Information

We make reasonable efforts to ensure information on the Site is accurate and up to date. However, insurance regulations, plan availability, premiums, and benefits change frequently. We do not guarantee the accuracy, completeness, or timeliness of any content. Always verify plan details directly with the insurance carrier before enrolling.

4. Eligibility

To use our services you must:

• Be at least 18 years of age (or the legal age in your state)
• Reside in a state where the licensed insurance professionals we work with are authorized to sell health insurance
• Provide accurate and truthful information in any quote request or enrollment

5. User Responsibilities

You agree to:

• Provide accurate, current, and complete information when submitting forms
• Not use the Site for any unlawful purpose or in a way that could damage, disable, or impair the Site
• Not attempt to access any information or system you are not authorized to access

6. Intellectual Property

All content on the Site — including text, graphics, logos, images, and software — is owned by Trusted PPO Plans or used with permission. You may not copy, reproduce, modify, or distribute any content without our prior written consent, except for personal, non-commercial use.

7. Third-Party Links and Services

Our Site may link to third-party websites (such as insurance carriers, regulatory agencies, or informational resources). We are not responsible for the content, accuracy, or privacy practices of those sites. Accessing third-party sites is at your own risk.

8. Disclaimers

The Site and all content, services, and information provided are offered “as is” and “as available” without warranty of any kind, express or implied, including without limitation any warranty of merchantability, fitness for a particular purpose, non-infringement, or accuracy. We make no guarantee that:

• You will qualify for any specific plan, coverage, or premium
• The Site will be uninterrupted, error-free, or secure
• Any defect will be corrected

9. Limitation of Liability

To the maximum extent permitted by law, Trusted PPO Plans and its affiliates, agents, and representatives are not liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Site, including but not limited to lost data, lost opportunity, or lost profits. Our total liability for any claim related to the Site or these Terms shall not exceed one hundred dollars ($100).

10. Indemnification

You agree to indemnify and hold harmless Trusted PPO Plans and its affiliates, officers, agents, and employees from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising from your misuse of the Site, your violation of these Terms, or your violation of any law or third-party right.

11. Termination

We reserve the right to terminate or restrict your access to the Site at any time, without notice, for any reason, including violation of these Terms.

12. Modifications to the Terms

We may update these Terms from time to time. When we do, we will update the Effective Date above. Your continued use of the Site after updates constitutes acceptance of the revised Terms.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law provisions. Any dispute arising under these Terms shall be resolved in the state or federal courts located in Florida.