Terms and Conditions

Please carefully review the following terms and conditions of use ("Terms of Use") prior to using our services. Our services (“Services") are provided by B&B Life and Health, LLC. (hereafter referred to as the “Company"). Your use of our services is governed by these terms of use and is additionally subject to our privacy statement.

By engaging with any aspect of our services, you acknowledge your acceptance of these terms of use. Should you dissent from any part of these terms of use, you are required to exit this platform. It's important to note that these terms of use may undergo amendments or adjustments periodically and without prior notification.

Applicability within legal jurisdictions

The insurance services and products elucidated within our services are exclusively intended for individuals in states and jurisdictions where such offerings may be lawfully marketed. Nothing contained within our services should be construed as an invitation to purchase or an offer to vend any products or services to individuals in any jurisdiction where such proposal, solicitation, purchase, or sale would breach the law.

Verification of legal authority

By using our services, you affirm that you are at least 18 years of age and possess the legal authorization to use our services in accordance with all stipulations herein. The Company does not vend products or services to minors. In the event that you are procuring a product or service on behalf of a minor, you commit to supervising all interactions by minors with our services under your name or account. Moreover, you affirm that all information provided by you or your household members in connection with the use of our services is accurate and true.

Governing law

Through your use of our services, you consent that the regulations of the State of New York, without regard to conflicts of law principles, shall exclusively govern these legal and licensing terms as well as any potential disputes between you and the Company.

Permissible use

Our services are designed for consumers who are investigating and procuring individual health insurance products. The content, visual elements, data, quotations, code, and software incorporated into our services (collectively referred to as "Content") are made accessible for your personal use strictly in relation to generating and displaying health insurance quotes or facilitating the application process for individual health insurance through our digital enrollment system.

Unless expressly authorized in writing by the Company, you are prohibited from deploying our services or the content for any commercial or non-personal purposes, whether direct or indirect. The Company reserves the prerogative to prohibit access to our services for any party that engages in such unauthorized usage.

Content ownership

All content featured within our services, encompassing text, visuals, logos, button icons, images, audio snippets, digital downloads, data compilations, and software, constitutes the proprietary assets of the Company and is safeguarded by both United States and international copyright laws.

Details you provide

By using our services, registering as a user, or completing a health insurance application via our services, you bear sole responsibility for any personal data that you submit to us. By doing so, you grant the Company and its representatives permission to use and store your personal information in accordance with the intended purpose of our services.

The Company will manage personal data in conformity with our privacy statement. Besides using your personal information to process your requests, which might involve being contacted by a licensed insurance agent or handling your enrollment application, we might divulge personal information if required by law or in good faith belief that such action is essential to: (a) adhere to legal proceedings; (b) enforce these terms and conditions; (c) respond to allegations of content violating third-party rights; or (d) safeguard the rights, property, or safety of the Company, its users, and the public.

Account credentials

If applicable, specific features or services available through our services might necessitate the creation of an account or the provision of user credentials by the Company. You alone are accountable for upholding the confidentiality of your account data, including your username, password, and any activities transpiring under your account. You undertake to promptly notify us of any unauthorized usage of your account or password, or any security breaches. The Company shall not be held liable for any losses arising from the misuse of your password, whether with or without your knowledge. Nevertheless, you could potentially be held accountable for any losses incurred by us or another entity due to unauthorized access via your password.

Access limitations / termination

If applicable, the Company retains the sole right to modify or terminate your access to our services, including materials or any portion thereof, without prior notice.

Exemption of liability / limitation of liability

You acknowledge that our services might occasionally be unavailable or non-operational due to various reasons, such as equipment malfunctions, periodic maintenance, or unforeseen circumstances beyond the reasonable control of the Company or its agents. In such instances, you agree not to hold the Company liable for any damages stemming from such delays or lack of access. Furthermore, the Company assumes no responsibility for any loss of personal data resulting from deletion, corruption, or other causes. Although the Company endeavors to ensure the accuracy and currency of information within our services, it does not guarantee the veracity of the contents. The Company disclaims all warranties or representations concerning the accuracy of the contents within our services. Modifications to the information contained within our services can be implemented at any time without prior notice.

Our services and their content are provided on an "as is" or “as available" basis, without any form of warranty or condition, whether express, implied, or statutory. The Company distinctly renounces any and all warranties, be they express, verbal, implied, statutory, or otherwise, including implied warranties of fitness for a particular purpose, merchantability, warranties arising due to trade practice, or established business norms. Furthermore, the Company does not assert or guarantee that our services or the information provided to you through the use of our services will meet your needs, be free from viruses or other harmful components, or remain accurate on any particular date. Certain jurisdictions may not permit the exclusion of implied warranties, and thus, some of the foregoing exclusions may not be applicable to you. You specifically consent that your use of our services is entirely at your sole risk. The Company shall not be held liable for any form of damages arising from your use of our services. The Company cannot guarantee that the use of our services will be uninterrupted or error-free, and it makes no representation regarding any results that might be attained through the use of our services. Under no circumstances shall the Company be accountable for any form of damages, including special, indirect, consequential, or incidental damages, or damages related to loss of profits, income, usage, or data, whether in contract or tort, arising from or relating to your use of our services, or your reliance on or use of any information accessed through our services. Your sole and exclusive recourse in this matter is to cease using our services.

Indemnification

You hereby undertake to indemnify and hold harmless the Company (along with its directors, officers, personnel, subsidiaries, agents, and affiliates) against any and all claims, liabilities, expenses, and costs, including reasonable legal fees and expenses, due to or arising from your use or misuse of the materials.