Terms of Service

By accessing and using the insured@wellnesslabs-ai website and services (the "Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service ("Terms") govern your use of our insurance marketplace platform and related services provided by insured@wellnesslabs-ai ("we," "us," or "our").

insured@wellnesslabs-ai is an insurance marketplace platform that provides:

• Insurance plan comparison and quotes
• Enrollment assistance for health insurance plans
• Educational resources about insurance
• Customer support and guidance
• Access to licensed insurance agents

We act as an intermediary between you and insurance carriers. We do not underwrite insurance policies or guarantee coverage approval.

To use our Service, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Provide accurate and complete information
• Have the legal capacity to enter into binding agreements

You represent and warrant that all information you provide is accurate, current, and complete.

Account Creation

You may be required to create an account to access certain features. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Keeping your account information up to date

Prohibited Activities

You agree not to:

• Use the Service for any unlawful purpose
• Provide false, misleading, or fraudulent information
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service
• Use automated systems to access the Service
• Violate any applicable laws or regulations

No Insurance Guarantee

We do not guarantee:

• Approval of insurance applications
• Specific coverage terms or rates
• Availability of particular insurance plans
• Continuation of coverage

Third-Party Services

Our Service may include links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of these third parties.

Professional Advice

The information provided through our Service is for educational and informational purposes only and does not constitute professional insurance, legal, or financial advice.

Our Service is generally free to use. However:

• We may receive commissions from insurance carriers
• Some premium features may require payment
• You are responsible for all insurance premiums and fees
• Payment terms are subject to the insurance carrier's policies

All payments for insurance premiums are made directly to the insurance carrier, not to us.

The Service and its original content, features, and functionality are owned by insured@wellnesslabs-ai and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or logos without authorization
• Reverse engineer or attempt to extract source code
• Create derivative works based on our Service

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using our Service, you consent to the collection and use of information as described in our Privacy Policy.

To the maximum extent permitted by law:

• We provide the Service "as is" without warranties of any kind
• We are not liable for any indirect, incidental, or consequential damages
• Our total liability is limited to the amount you paid us in the last 12 months
• We are not responsible for insurance carrier decisions or coverage issues

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so these limitations may not apply to you.

You agree to indemnify and hold harmless insured@wellnesslabs-ai and its officers, directors, employees, and agents from any claims, damages, or expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or transmit through the Service

We may terminate or suspend your account and access to the Service immediately, without prior notice, for any reason, including if you breach these Terms.

Upon termination:

• Your right to use the Service will cease immediately
• We may delete your account and data
• Provisions that by their nature should survive termination will remain in effect

These Terms are governed by the laws of the State of California, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Service will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

We reserve the right to modify these Terms at any time. We will notify you of any material changes by:

• Posting the updated Terms on our website
• Sending you an email notification
• Displaying a notice on the Service

Your continued use of the Service after changes become effective constitutes acceptance of the new Terms.

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining Terms will remain in full force and effect.

If you have any questions about these Terms of Service, please contact us: