Terms of Use

Who we are

Inhance is an independent insurance intermediary. We help you compare and understand health and life insurance options and connect you with insurance carriers. We operate in accordance with applicable insurance licensing requirements.

• We are not an insurance company and do not underwrite, issue, or administer insurance policies.
• We do not set premiums, coverage terms, or eligibility rules — those are determined by the insurance carriers.
• We do not provide the government subsidies or programs a plan may qualify for; we only help assess possible eligibility.

The service we provide

Through the website you can request a free analysis and search for in-network providers. Our service includes:

• A free, no-obligation analysis of your profile based on the information you provide
• Comparison of plans from insurance carriers we work with
• Help checking whether you may qualify for subsidies or specific plans
• Guidance and follow-up from our trilingual team

No guarantee of coverage or eligibility

Our analysis is informational and does not create an insurance contract. We do not guarantee that:

• You will be approved for, or eligible for, any plan, price, or subsidy
• Any estimate or quote will match the final terms offered by a carrier
• A specific plan, benefit, or provider will be available to you

Final coverage, pricing, and eligibility are determined solely by the insurance carrier and the applicable rules at the time you apply.

Provider network search

The provider-network search (“Find care”) is provided for convenience using data that changes frequently. Provider directories change daily, and a provider's participation in a plan's network is not guaranteed. Always confirm directly with the insurance carrier whether a doctor or hospital is in your plan's network before receiving care. Inhance is a broker and does not guarantee provider participation or the accuracy of directory data.

Not professional advice

The content on the website is for general information only and is not medical, legal, tax, or financial advice. You are responsible for your own decisions and should seek advice from a qualified professional when appropriate.

Eligibility and accurate information

To use our services, you must be at least 18 years old and a resident of the United States. Some products may require a lawful immigration status. You agree to:

• Provide accurate, current, and complete information
• Keep your information up to date and correct it if it changes
• Use the website and services only for lawful purposes

Communications

By submitting a request, you agree to be contacted by Inhance and its representatives by phone, SMS/text message, email, and WhatsApp regarding your request and related insurance services, as described in our Privacy Policy. You can opt out of text messages at any time by replying STOP.

Intellectual property

The Inhance name, logo, text, graphics, and other content on the website are owned by or licensed to Inhance and are protected by law. You may not copy, reproduce, or use them without our prior written permission, except as allowed for your personal, non-commercial use of the site.

Third-party services and links

The website may reference or link to insurance carriers and other third parties that we do not control. We are not responsible for the content, products, services, or privacy practices of those third parties. Your dealings with them are solely between you and the third party.

Disclaimer of warranties

The website and services are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or secure, or that the information on it is complete or up to date.

Limitation of liability

To the fullest extent permitted by law, Inhance and its owners, employees, and representatives will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss arising out of your use of, or inability to use, the website or services, even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify and hold harmless Inhance and its owners, employees, and representatives from any claims, losses, or expenses (including reasonable attorneys' fees) arising out of your use of the website or services, your violation of these Terms, or your violation of any law or the rights of a third party.

Governing law

These Terms are governed by the laws of the State of Florida, United States, without regard to its conflict-of-law principles. Any dispute relating to these Terms or the services will be subject to the exclusive jurisdiction of the state and federal courts located in Florida, unless applicable law requires otherwise.

Changes to these terms

We may update these Terms from time to time. When we do, we will revise the “Last updated” date above. Your continued use of the website after changes take effect means you accept the updated Terms.

General

If any provision of these Terms is found to be unlawful or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will stay in full force and effect.

These Terms, together with our Privacy Policy, are the entire agreement between you and Inhance regarding the website and services and supersede any prior agreements on that subject.

Our failure to enforce any provision is not a waiver of our right to do so later. You may not assign or transfer these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, or sale of assets.

We may modify, suspend, or discontinue the website or services, or restrict or terminate your access, at any time and to the extent permitted by law.

Contact us

If you have questions about these Terms, contact Inhance Insurance and Health Services at contact@inhanceinsurance.com.