Terms of Service
Effective Date: February 3, 2025
Welcome to Optaris Partners ("Company," "we," "us," or "our"). By accessing or using our website at optarispartners.com (the "Site") or any of our services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site or services.
1. About Our Services
Optaris Partners is a licensed health insurance agency that assists individuals and families in exploring and enrolling in health insurance plans available through the Affordable Care Act (ACA) Health Insurance Marketplace. Our services include providing information about available plans, helping you determine eligibility for subsidies and cost-sharing reductions, and assisting with the enrollment process.
2. Not Medical, Legal, or Tax Advice
The information provided through our Site and services is for general informational purposes only and does not constitute medical, legal, or tax advice. We are not a government agency and are not affiliated with the federal or any state Health Insurance Marketplace. You should consult with qualified professionals regarding your specific medical, legal, or tax situation.
3. No Guarantee of Coverage or Savings
While we strive to help you find appropriate health insurance coverage, we cannot guarantee that you will qualify for any particular plan, subsidy, or level of coverage. Eligibility for ACA plans and financial assistance is determined by the Health Insurance Marketplace based on criteria established by federal and state law. All plan details, premiums, and benefits are set by the insurance carriers and are subject to change.
4. Your Responsibilities
When using our services, you agree to provide accurate, complete, and current information about yourself and any household members for whom you are seeking coverage. You understand that providing false or misleading information may result in loss of coverage, financial penalties, or other consequences. You are responsible for reviewing all plan details, including benefits, costs, and provider networks, before making enrollment decisions.
5. Eligibility
You must be at least 18 years of age to use our services independently. If you are using our services on behalf of another person, you represent that you have the legal authority to do so.
6. Consent to Be Contacted
By submitting your information through our Site or requesting our assistance, you consent to being contacted by Optaris Partners and our licensed agents by phone, email, or text message at the contact information you provide. You understand that you may revoke this consent at any time by contacting us. Standard message and data rates may apply to text messages.
7. Third-Party Links and Services
Our Site may contain links to third-party websites, including insurance carrier websites and the federal or state Health Insurance Marketplace. We are not responsible for the content, accuracy, or practices of any third-party sites. Your use of third-party sites is governed by their respective terms and policies.
8. Intellectual Property
All content on our Site, including text, graphics, logos, and design elements, is the property of Optaris Partners or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our prior written consent.
9. Limitation of Liability
To the fullest extent permitted by law, Optaris Partners and its agents, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our Site or services. Our total liability for any claim arising from these Terms or your use of our services shall not exceed the total fees, if any, paid by you to us in the twelve (12) months preceding the claim.
10. Disclaimer of Warranties
Our Site and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that our Site will be uninterrupted, error-free, or free of viruses or other harmful components.
11. Indemnification
You agree to indemnify and hold harmless Optaris Partners, its agents, employees, and affiliates from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of our Site or services, your violation of these Terms, or your violation of any rights of a third party.
12. Governing Law
These Terms 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 St. Lucie County, Florida.
13. Changes to These Terms
We reserve the right to modify these Terms at any time. Changes will be effective when posted on our Site. Your continued use of our Site or services after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
14. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
15. Contact Us
If you have questions about these Terms of Service, please contact us at:
Optaris Partners
Email: info@optarispartners.com
Website: optarispartners.com