Terms & Conditions

1. Agreement to these terms

These Terms & Conditions ("Terms") govern your use of the website located at insurancehelpsupport.com (the "Site") and the advisory and consulting services offered by Insurance Help Support ("we," "us," "our"). By accessing the Site, contacting us, or using our services, you agree to be bound by these Terms. If you do not agree, please do not use the Site or our services.

2. Who we are and what we are not

Insurance Help Support is an advisor and consulting company. Our role is limited to providing general education, guidance, and administrative support related to insurance topics. For the avoidance of doubt:

• We are not an insurance company, carrier, or underwriter.
• We are not an independent insurance agency.
• We are not affiliated with, endorsed by, or appointed by any insurance carrier, Medicare, or any federal or state government agency.
• We do not issue, underwrite, administer, or guarantee any insurance policy.
• All approvals, coverage decisions, prices, exclusions, and terms are determined solely by the insurance provider you choose to work with, if any.

3. Our services

We provide phone- and email-based consultation and support, which may include explaining general insurance concepts, helping you organize your questions, reviewing plan information you provide to us, and assisting with understanding documents such as plan summaries or Explanation of Benefits statements. Our services are conversational and educational in nature. We do not make the final decision on any coverage, and you should always confirm details directly with the insurance provider before making a decision.

4. No professional, legal, medical, or tax advice

The content on this Site and the guidance we provide are for general informational purposes only and do not constitute legal, financial, tax, or medical advice, nor a recommendation of any specific policy. Insurance options depend on your individual circumstances, and rules change frequently. You should verify all information with the relevant insurance provider or a qualified professional before acting on it.

5. No guarantees

We make no guarantees or warranties of any kind regarding approval for any coverage, pricing, savings, plan availability, or outcomes of any kind. Any figures or examples discussed are illustrative only. Insurance carriers set their own eligibility rules, rates, and terms, and these may change without notice.

6. Your responsibilities

• You agree to provide accurate, current, and complete information when contacting us.
• You understand that you are responsible for all final decisions regarding your insurance, and for verifying any information directly with the insurance provider.
• You agree not to misuse the Site, attempt to disrupt it, or use it for any unlawful purpose.

7. Communications consent

By submitting our contact form or otherwise providing your phone number or email address, you consent to being contacted by us by phone, text message, and/or email regarding your inquiry and related support. Standard message and data rates may apply. You may opt out of text messages at any time by replying STOP, and you may opt out of email at any time by using the unsubscribe link or replying to our email. Providing consent is not a condition of purchase.

8. Third-party providers and websites

Our Site and our communications may reference or link to third-party websites, including insurance providers. We do not control and are not responsible for third-party content, products, or services. Any dealings you have with an insurance carrier or other third party are solely between you and that party.

9. Intellectual property

All content on this Site — including text, graphics, logos, and design — is the property of Insurance Help Support or its licensors and is protected by applicable law. You may view and print pages for your personal, non-commercial use. Any other reproduction, distribution, or use requires our prior written permission.

10. Disclaimer of warranties

The Site is provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to accuracy, availability, or fitness for a particular purpose. We do not warrant that the Site will be uninterrupted or error-free.

11. Limitation of liability

To the maximum extent permitted by law, Insurance Help Support shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, savings, or data, arising from or related to your use of the Site or reliance on any information or guidance we provide, even if we have been advised of the possibility of such damages.

12. Indemnification

You agree to indemnify and hold harmless Insurance Help Support and its personnel 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 reliance on information obtained from the Site or from our consultations.

13. Changes to the Site and these Terms

We may update the Site and these Terms at any time. The "Last updated" date at the top of this page shows when the Terms were last revised. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

14. Governing law

These Terms are governed by the laws of the State of Utah, USA, without regard to its conflict-of-laws principles. Any dispute arising from these Terms or your use of the Site shall be resolved in the courts located in Utah, USA.

15. Contact us