Welcome to ushealthcareinsure.com ("Website"), owned and operated by Poshnee Tech LLC ("Company," "we," "our," or "us").

By accessing or using this Website, you agree to be bound by these Terms of Use. If you do not agree to these Terms, please do not use this Website.

1. About This Website

ushealthcareinsure.com is a privately owned website that provides information regarding Affordable Care Act (Marketplace) health insurance options and facilitates requests to be contacted by licensed insurance agents or agencies.

We are not affiliated with or endorsed by the federal government, HealthCare.gov, the Centers for Medicare & Medicaid Services (CMS), or any state Health Insurance Marketplace.

We do not issue, underwrite, administer, or guarantee health insurance policies.

2. Eligibility

You must be at least eighteen (18) years of age and legally capable of entering into binding agreements to use this Website.

By using this Website, you represent that you meet these requirements.

3. Information You Provide

You agree that any information you submit through this Website is accurate, complete, and current.

Providing false, misleading, or incomplete information may prevent us or our licensed insurance partners from responding to your request.

4. Requesting Information

Submitting information through this Website constitutes a request to receive information regarding Marketplace health insurance options.

Submitting a request does not:

• Guarantee eligibility for Marketplace coverage;
• Guarantee financial assistance or premium tax credits;
• Guarantee enrollment;
• Guarantee plan availability; or
• Create an insurance policy or contract.

Eligibility, premiums, financial assistance, and available plans depend upon applicable federal and state requirements, income, household size, location, enrollment eligibility, and other applicable factors.

5. Licensed Insurance Agents

Where appropriate, your information may be shared with licensed insurance agents or licensed insurance agencies that may contact you regarding Marketplace health insurance options.

Licensed agents—not this Website—are responsible for discussing plan benefits, eligibility, premiums, provider networks, enrollment, and policy recommendations.

6. Communications Consent

By submitting your information, you authorize Poshnee Tech LLC, its licensed insurance partners, affiliates, and service providers to contact you regarding your request by:

• Telephone
• Text Message (SMS)
• Email

Communications may be made using automated technology where permitted by applicable law.

Your consent is not a condition of purchasing any goods or services.

Message and data rates may apply.

You may opt out of future text messages by replying STOP to any SMS message.

7. No Professional Advice

The information provided on this Website is for general informational purposes only.

Nothing contained on this Website constitutes legal, tax, financial, medical, or insurance advice.

Only a licensed insurance agent can discuss specific Marketplace plans and make recommendations based upon your individual circumstances.

8. No Government Affiliation

This Website is privately owned.

Nothing on this Website should be interpreted as implying affiliation with, endorsement by, or authorization from:

• HealthCare.gov
• The Centers for Medicare & Medicaid Services (CMS)
• The U.S. Department of Health and Human Services (HHS)
• Any federal agency
• Any state Health Insurance Marketplace

9. Intellectual Property

All content on this Website, including text, graphics, logos, images, designs, software, and other materials, is owned by or licensed to Poshnee Tech LLC and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, republish, or exploit any content without our prior written permission.

10. Acceptable Use

You agree not to:

• Use this Website for unlawful purposes;
• Submit false or fraudulent information;
• Attempt to gain unauthorized access to the Website or its systems;
• Interfere with the operation or security of the Website;
• Use automated tools or software to submit inquiries without authorization.

11. Third-Party Websites

This Website may contain links to third-party websites.

We do not control or endorse those websites and are not responsible for their content, privacy practices, or services.

12. Disclaimer of Warranties

This Website is provided on an "AS IS" and "AS AVAILABLE" basis.

To the fullest extent permitted by law, Poshnee Tech LLC disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee that the Website will be uninterrupted, error-free, secure, or free from viruses or other harmful components.

13. Limitation of Liability

To the fullest extent permitted by law, Poshnee Tech LLC shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising from or relating to:

• Your use of this Website;
• Your inability to use this Website;
• Communications with licensed insurance agents;
• Decisions regarding Marketplace enrollment or coverage; or
• Any errors or omissions in Website content.

14. Indemnification

You agree to indemnify and hold harmless Poshnee Tech LLC, its affiliates, officers, employees, contractors, licensors, and service providers from any claims, damages, liabilities, costs, or expenses arising from:

• Your violation of these Terms;
• Your misuse of the Website; or
• Your violation of applicable law.

15. Privacy

Your use of this Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

16. Changes to These Terms

We may modify these Terms of Use at any time.

Changes become effective immediately upon posting on this Website.

Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

17. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of laws principles.

18. Contact Information

If you have questions regarding these Terms of Use, please contact:

Poshnee Tech LLC
Email: info@poshnee.com