Effective Date: 01/01/2024

Welcome to Premier Healthcare Plans LLC dba Premier Healthcare Insurance Agency (referred to as “we,” “our,” or “us”). These Terms and Conditions govern your use of our website, mobile application, and services, including enrollment in Affordable Care Act (ACA) health insurance plans. By accessing or using our services, you agree to comply with and be bound by these Terms and Conditions. If you do not agree, you must not use our services.

You must be at least 18 years old to use our website and services. By using our services, you confirm that you meet this age requirement and have the legal capacity to enter into this agreement.

You agree to use our website and services for personal, non-commercial purposes in accordance with these Terms and Conditions and all applicable laws and regulations. Any unauthorized use may result in termination of your access.

To use certain features of our website or services, you may need to create an account. You agree to provide accurate, complete, and current information during registration and to update this information as needed. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Premier Healthcare Plans LLC dba Premier Healthcare Insurance Agency
assists individuals with applying for and enrolling in ACA health insurance plans. Our services are intended to help you understand available coverage options and make informed decisions regarding your health insurance. However, final eligibility determinations and plan enrollments are governed by the respective ACA health insurance exchanges and insurers.

We strive to provide accurate and up-to-date information regarding ACA health insurance plans, subsidies, and eligibility requirements. However, we do not guarantee that all information is free from errors, omissions, or inaccuracies. It is your responsibility to verify all relevant details with the ACA marketplace, insurance providers, or other authoritative sources.

Our services do not guarantee that you will be eligible for enrollment in an ACA health insurance plan or qualify for any premium subsidies or cost-sharing reductions. Eligibility is determined by federal and state agencies based on your income, household size, and other factors.

3. Intellectual Property Rights

All content, graphics, text, logos, images, and software used on our website are the property of Premier Healthcare Plans LLC dba Premier Healthcare Insurance Agency
or its licensors and are protected by intellectual property laws. You may not copy, reproduce, distribute, or create derivative works based on our website’s content without our prior written permission.

You agree not to engage in any of the following prohibited activities:

• Misusing or attempting to misuse our website or services for fraudulent purposes.
• Accessing our website through automated means such as bots, scrapers, or other unauthorized systems.
• Interfering with the proper functioning of our website, including introducing viruses, malware, or other harmful software.
• Misrepresenting your identity or affiliation with any person or entity.
• Using our website or services to collect unauthorized personal information from other users.

Our website may contain links to third-party websites for your convenience. These websites are operated independently, and we are not responsible for their content or practices. We recommend reviewing the privacy policies and terms of use for any third-party websites you visit.

6. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without any warranties of any kind, either express or implied. While we strive to provide useful, accurate, and timely information, we do not guarantee that our services will be error-free, uninterrupted, or available at all times. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

To the maximum extent permitted by applicable law,  Premier Healthcare Plans LLC dba Premier Healthcare Insurance Agency
and its affiliates, officers, directors, employees, and agents will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your use of our website, services, or any information provided by us. This includes, but is not limited to, damages for lost profits, loss of data, and claims from third parties.

You agree to indemnify, defend, and hold harmless Premier Healthcare Plans LLC dba Premier Healthcare Insurance Agency
and its affiliates from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of your use of our services or any violation of these Terms and Conditions.

9. Termination of Services

We reserve the right to terminate or suspend your access to our website and services at any time, with or without notice, for any reason, including if you violate these Terms and Conditions or engage in prohibited activities.

These Terms and Conditions are governed by and construed in accordance with the laws of the state where Premier Healthcare Plans LLC dba Premier Healthcare Insurance Agency
is located, without regard to conflict of law principles. You agree to submit to the exclusive jurisdiction of the state and federal courts located in FLORIDA for any disputes arising out of or related to your use of our services.

We may update these Terms and Conditions from time to time. Any changes will be posted on this page with the “Effective Date” at the top updated to reflect the new version. Your continued use of our website or services following the posting of any changes constitutes your acceptance of the revised terms.

If you have any questions or concerns regarding these Terms and Conditions or our services, please contact us at:

Premier Healthcare Plans LLC dba Premier Healthcare Insurance Agency
4446 Mariners Cove Drive
Phone: 855-222-6984
Email: support@premierhealthcareplans.com

These Terms and Conditions govern the relationship between you and Premier Healthcare Plans LLC dba Premier Healthcare Insurance Agency
with respect to your use of our website and services.