Terms & Conditions

These Terms and Conditions of Use (“Terms”) govern your use of the Sellery Health Insurance Services website (“Website”).

The Website is operated by Sellery Health Insurance Services (“we,” “us,” or “our”).

By accessing or using this Website, you agree to these Terms and our Privacy Policy. If you do not agree with these Terms, please do not use the Website.

Purpose of This Website

The Website provides general information regarding insurance products and services, including health insurance, life insurance, and Medicare-related coverage options.

Information on this Website is provided for general informational purposes only and is not intended to constitute legal, tax, medical, financial, or other professional advice.

Insurance availability, eligibility, benefits, premiums, coverage, carrier availability, and plan options may vary based on individual circumstances, location, carrier requirements, and applicable laws and regulations.

Nothing on this Website guarantees eligibility for coverage, approval of an application, availability of a particular insurance plan, benefits, premiums, or pricing.

Insurance Services

Insurance products and services are offered through appropriately licensed insurance agents.

Submitting a contact form, requesting a quote, communicating with us, or using this Website does not create an insurance policy, guarantee coverage, or bind insurance coverage.

Coverage is not effective unless and until all applicable application requirements have been satisfied and coverage has been approved and issued by the applicable insurance carrier.

You are responsible for reviewing all policy documents, plan details, exclusions, limitations, costs, benefits, and carrier information before making an insurance decision.

Medicare Information

Medicare plan availability and benefits vary by plan and geographic area.

Contact Forms and Communications

The Website may allow you to provide information through contact forms, quote requests, or other inquiry forms.

By submitting information through the Website, you represent that the information you provide is accurate to the best of your knowledge.

When you provide your name and contact information, you may be expressing consent to receive communications from a licensed insurance agent with HealthMarkets and Sellery Health Insurance Services, including phone calls, text messages, and emails regarding insurance products and services.

Where applicable, communications may include the use of automatic telephone dialing systems or artificial or prerecorded messages.

Providing consent to receive marketing communications is not a condition of purchasing any product or service. Message and data rates may apply.

You may revoke consent for phone calls or text messages by requesting revocation during a phone call, contacting 888-637-9621 to be placed on the do-not-call list, or replying STOP to a text message.

Your use of the Website and submission of personal information are also governed by our Privacy Policy.

Privacy

Your privacy is important to us.

Our Privacy Policy explains how information submitted through this Website may be collected, used, stored, and shared.

By using the Website, you acknowledge that you have had an opportunity to review our Privacy Policy.

Lawful Use

You agree to use this Website only for lawful purposes.

You may not use the Website in any manner that:

• Violates applicable federal, state, or local law
• Attempts to gain unauthorized access to the Website or its systems
• Interferes with the operation or security of the Website
• Introduces viruses, malicious code, or other harmful technology
• Attempts to collect information about other users without authorization
• Misrepresents your identity or provides intentionally false information

Intellectual Property

Unless otherwise stated, the content on this Website, including text, graphics, logos, design elements, photographs, page layouts, and other materials, is owned by or licensed to Sellery Health Insurance Services or its licensors.

You may view and use Website content for personal, noncommercial informational purposes.

You may not reproduce, republish, distribute, modify, sell, create derivative works from, or otherwise exploit Website content without prior written permission from the applicable rights holder.

Company names, insurance carrier names, logos, trademarks, and service marks displayed on the Website remain the property of their respective owners.

Third-Party Websites and Resources

The Website may contain links to third-party websites or resources, including insurance carriers, HealthMarkets, Medicare.gov, scheduling services, social media platforms, and other external resources.

We do not control these third-party websites and are not responsible for their content, availability, security, privacy practices, accuracy, or terms of use.

A link to a third-party website does not necessarily constitute an endorsement of that website, company, product, or service.

You access third-party websites at your own discretion and should review their applicable terms and privacy policies.

No Warranties

We make reasonable efforts to provide useful and accurate information. However, information regarding insurance products, regulations, plan availability, benefits, premiums, eligibility, and other matters may change.

The Website and its content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, we make no representations or warranties regarding the accuracy, completeness, reliability, availability, or timeliness of Website content.

No Guarantee of Website Availability

We do not guarantee that the Website will always be available, uninterrupted, error-free, or free from harmful components.

We may update, modify, suspend, or discontinue any portion of the Website at any time.

Information on the Website may also be updated or changed without prior notice.

Limitation of Liability

To the fullest extent permitted by applicable law, Sellery Health Insurance Services and its owners, agents, affiliates, service providers, and licensors will not be liable for damages arising from or related to:

• Your use of or inability to use the Website
• Your reliance on information presented on the Website
• Third-party websites or resources
• Website interruptions or technical failures
• Unauthorized access to information
• Decisions made based upon general information provided through the Website

Nothing in these Terms is intended to exclude or limit liability where such limitation is prohibited by law.

Security

We take reasonable measures intended to protect the Website and information submitted through it.

However, no internet transmission, electronic communication, or electronic storage system can be guaranteed to be completely secure.

You acknowledge that information transmitted electronically may carry inherent security risks.

Changes to These Terms

We may revise these Terms periodically to reflect changes to the Website, services, business practices, or legal and regulatory requirements.

The “Last Updated” date at the top of this page will indicate when these Terms were most recently revised.

Your continued use of the Website following publication of updated Terms constitutes acceptance of the updated Terms.

Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.

Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.

Any dispute relating to these Terms or use of the Website will be handled in accordance with applicable law.

Entire Agreement

These Terms, together with the Privacy Policy and any disclosures or disclaimers appearing on this Website, constitute the terms governing your use of the Website.