Terms & Conditions

Agreement to Terms

These Terms of Service ("Terms") govern your use of our website located at youracapolicy.com and our ACA enrollment assistance services (the "Service") operated by Your ACA Policy ("us", "we", or "our").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

Description of Service

Your ACA Policy provides health insurance enrollment assistance and educational services related to the Affordable Care Act (ACA). Our services include:

• Health insurance plan comparison and recommendation
• Assistance with marketplace enrollment
• Subsidy calculation and verification
• Educational resources about ACA benefits and requirements
• Customer support throughout the enrollment process

Eligibility and Registration

You must be at least 18 years of age and legally capable of entering into binding contracts to use our services. By using our Service, you represent and warrant that:

• You are at least 18 years old
• You have the legal capacity to enter into these Terms
• All information you provide is accurate and complete
• You will maintain the accuracy of such information

User Responsibilities

As a user of our services, you agree to:

• Provide accurate, complete, and current information during enrollment
• Maintain the confidentiality of your personal information
• Notify us immediately of any unauthorized use of your account
• Comply with all applicable federal and state laws
• Not use our services for any illegal or unauthorized purpose

Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our Service. By using our Service, you agree to the collection and use of information in accordance with our Privacy Policy.

Service Availability and Limitations

We strive to maintain continuous service availability, but we cannot guarantee uninterrupted access. Our Service may be temporarily unavailable due to:

• Scheduled maintenance
• Technical difficulties
• Circumstances beyond our control
• Updates to government systems or regulations

Fees and Payment

Our basic enrollment assistance services are provided at no cost to qualified individuals. Some premium services may require payment, which will be clearly disclosed before any charges are incurred.

Disclaimers

While we strive to provide accurate information and assistance, please note:

• We are not insurance carriers and do not underwrite or issue insurance policies
• Final enrollment decisions are made by government marketplaces and insurance carriers
• We cannot guarantee approval for any specific plan or subsidy amount
• You are responsible for verifying all information and making final enrollment decisions

Limitation of Liability

To the maximum extent permitted by law, Your ACA Policy shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

Indemnification

You agree to defend, indemnify, and hold harmless Your ACA Policy and its affiliates, agents, and employees from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees).

Termination

We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will cease immediately.

Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

Governing Law

These Terms shall be interpreted and governed by the laws of the State of Illinois, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Contact Information

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

• By phone: (833) 828-1176
• By email: [email protected]
• By mail: 101 W. Vandalia St. Edwardsville Illinois 62025