Terms of Service

Welcome to Navicare Insurance Options LLC. By accessing or using our website at navicareinsurance.co and our services, you agree to be bound by these Terms of Service. Please read them carefully before using our services.

Acceptance of Terms

By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our website or services.

Description of Services

Navicare Insurance Options LLC provides:

• Health insurance information and education
• Insurance quotes from multiple carriers
• Assistance with insurance plan comparison
• Enrollment support and guidance
• Open enrollment assistance
• Ongoing customer support for policyholders

Our licensed insurance advisors help you navigate your options, but the ultimate decision regarding insurance coverage is yours.

User Responsibilities

When using our services, you agree to:

• Provide accurate, current, and complete information
• Update your information as necessary to keep it accurate
• Use our services only for lawful purposes
• Not misrepresent your identity or provide false information
• Not interfere with or disrupt our website or services
• Not attempt to gain unauthorized access to our systems
• Comply with all applicable laws and regulations

Accuracy of Information

We strive to provide accurate and up-to-date information about insurance options. However:

• Insurance rates, benefits, and availability are subject to change without notice
• Quotes provided are estimates and actual premiums may vary
• Coverage details are determined by the insurance carrier's policy documents
• We do not guarantee the accuracy of information provided by third parties

Always review the official policy documents from the insurance carrier before making coverage decisions.

No Guarantee of Coverage

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Navicare Insurance Options LLC or our content providers and is protected by intellectual property laws. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or logos without written consent
• Create derivative works based on our content
• Use our content for commercial purposes without authorization

Third-Party Links

Our website may contain links to third-party websites, including insurance carrier websites. These links are provided for your convenience. We do not control these websites and are not responsible for their content, privacy practices, or terms of use. Your use of third-party websites is at your own risk.

Limitation of Liability

To the fullest extent permitted by law:

• Navicare Insurance Options LLC provides services "as is" without warranties of any kind
• We are not liable for any indirect, incidental, special, or consequential damages
• We are not liable for decisions made based on information provided through our services
• We are not responsible for actions or omissions of insurance carriers
• Our total liability shall not exceed the amount paid by you for our services, if any

Indemnification

You agree to indemnify and hold harmless Navicare Insurance Options LLC, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services, violation of these terms, or infringement of any third-party rights.

Privacy

Your use of our services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our services, you consent to our privacy practices.

Communications

By providing your contact information, you consent to receive communications from us regarding:

• Responses to your inquiries
• Information about insurance options
• Updates about your applications or policies
• Marketing communications (if you have opted in)

You may opt out of marketing communications at any time. For SMS messages, reply STOP to unsubscribe.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising from these terms shall be resolved in the courts located in Palm Beach County, Florida.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes your acceptance of the modified terms.

Severability

If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Navicare Insurance Options LLC regarding your use of our services.