Welcome to Apollo Health Insurance. These Terms of Service (“Terms”) govern your use of our website, services, and communication methods, including text, email, and phone calls. By accessing or using our website and services, you agree to comply with and be bound by these Terms. Please read them carefully.

1. **Acceptance of Terms**

By accessing or using our website and services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you must not use our website or services.

2. **Services Provided**

We are a health insurance brokerage licensed in 35+ states, including Missouri as our resident state. We provide services related to the sale of ACA (Affordable Care Act) plans, Medicare plans, and group health insurance plans. Our website also offers marketing forms and blog posts with information about the health insurance industry.

3. **HIPAA Compliance**

We are committed to protecting your personal health information in accordance with the Health Insurance Portability and Accountability Act (HIPAA). Any health information you provide to us will be handled in compliance with HIPAA regulations.

4. **Communications**

By providing your contact information, you consent to receive communications from us via text, email, and phone calls. These communications may include information about your insurance plans, updates, marketing messages, and other relevant information. You may opt-out of marketing communications at any time by following the instructions provided in the communication.

5. **Use of Website**

You agree to use our website for lawful purposes only. You must not:

Use our website in any way that violates any applicable federal, state, local, or international law or regulation.
Engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the website.
Introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.

6. **Intellectual Property Rights**

All content on our website, including text, graphics, logos, images, and software, is the property of [Your Company Name] or its licensors and is protected by United States and international copyright laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without our prior written consent.

7. **Third-Party Links**

Our website may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we are not responsible or liable for any damage or loss caused or alleged to be caused by or in connection with the use of any such content, goods, or services available on or through any such websites or services.

8. **Disclaimer of Warranties**

We provide our website and services on an “as is” and “as available” basis. We do not warrant that our website or services will be uninterrupted, error-free, or free of viruses or other harmful components. We disclaim all warranties, express or implied, including any warranties of accuracy, non-infringement, merchantability, and fitness for a particular purpose.

9. **Limitation of Liability**

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our website or services.

10. **Indemnification**

You agree to indemnify, defend, and hold harmless [Your Company Name], its officers, directors, employees, agents, licensors, and suppliers from and against all claims, losses, liabilities, expenses, damages, and costs, including reasonable attorneys’ fees, arising out of or relating to your use of our website or services, your violation of these Terms, or your violation of any rights of another.

11. **Governing Law**

These Terms are governed by and construed in accordance with the laws of the State of Missouri, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in Missouri.

12. **Changes to Terms**

We may update these Terms from time to time. Any changes will be posted on this page with an updated revision date. Your continued use of our website and services after any changes constitute your acceptance of the new Terms.

13. **Contact Us**

If you have any questions about these Terms, please contact us.

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