Terms of Service

Welcome to ZachJHealth LLC. These Terms of Service ("Terms") govern your use of our website located at zachjhealth.oasisautokonnect.com ("Website") and the services provided by ZachJHealth LLC ("we," "us," "our," or "ZachJHealth").

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

1. Description of Services

ZachJHealth LLC is a licensed health insurance agency that provides:

• Health Insurance Consultation: Free consultations to help you understand your health insurance options
• Plan Comparison: Analysis and comparison of available health insurance plans based on your needs
• Quote Requests: Collection of your information to provide personalized insurance quotes
• Enrollment Assistance: Guidance and support through the health insurance enrollment process
• Ongoing Support: Assistance with questions about your coverage after enrollment

Services We Do NOT Provide

• We do not provide medical advice, diagnosis, or treatment
• We do not guarantee approval or coverage from any insurance carrier
• We do not offer every plan available in your area—our recommendations are limited to the plans we are authorized to sell
• We are not affiliated with or endorsed by Medicare or any government program

2. User Responsibilities

When using our Website and services, you agree to:

• Provide accurate, current, and complete information when submitting forms or communicating with us
• Update your information promptly if it changes
• Use our services only for lawful purposes
• Not attempt to interfere with or disrupt our Website or services
• Not impersonate any person or entity or misrepresent your affiliation with any person or entity
• Not submit false or misleading information
• Not use automated systems or software to access our Website without our permission

You understand that providing false or misleading information may result in denial of coverage, cancellation of policies, or other consequences.

4. Insurance Information Disclaimer

The information provided on our Website and through our services is for general informational purposes only. While we strive to provide accurate and up-to-date information:

• Insurance plans, rates, and availability change frequently
• Actual coverage and costs depend on your specific circumstances and the insurance carrier's underwriting decisions
• Our quotes are estimates only and are not binding offers of coverage
• You should always review the official plan documents before enrolling

We recommend consulting with appropriate professionals regarding your specific insurance needs.

5. No Medical Advice

Nothing on our Website or in our communications should be construed as medical advice. We provide insurance guidance, not medical guidance. Always consult qualified healthcare professionals for medical questions and decisions.

6. Intellectual Property

All content on our Website, including but not limited to text, graphics, logos, images, and software, is the property of ZachJHealth LLC or our licensors and is protected by copyright and other intellectual property laws.

You may not:

• Copy, reproduce, or distribute our content without permission
• Modify or create derivative works from our content
• Use our trademarks or branding without written authorization

7. Third-Party Links and Services

Our Website may contain links to third-party websites or services. These links are provided for your convenience only. We do not control and are not responsible for the content, privacy policies, or practices of any third-party websites.

Your interactions with third-party websites, including insurance carrier websites, are solely between you and the third party.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ZACHJHEALTH LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Any loss of profits, data, use, or goodwill
• Any damages arising from your use of or inability to use our Website or services
• Any damages arising from actions taken by insurance carriers
• Any errors or omissions in our content

Our total liability for any claims arising from these Terms or your use of our services shall not exceed the amount you have paid us, if any, in the twelve (12) months preceding the claim.

9. Disclaimer of Warranties

OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties that our Website will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy or reliability of any information obtained through our services

10. Indemnification

You agree to indemnify, defend, and hold harmless ZachJHealth LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of our Website or services
• Your violation of these Terms
• Your violation of any rights of another party
• Any false or misleading information you provide

11. Privacy

Your privacy is important to us. Our collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our collection and use of your information as described in the Privacy Policy.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of our Website or services after any modifications indicates your acceptance of the modified Terms.

We encourage you to review these Terms periodically for any changes.

13. Termination

We may terminate or suspend your access to our Website or services at any time, without prior notice or liability, for any reason, including if you breach these Terms.

Upon termination, your right to use our Website and services will immediately cease. Sections of these Terms that by their nature should survive termination will survive.

14. Governing Law and Jurisdiction

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 or your use of our services shall be resolved in the state or federal courts located in Pasco County, Florida, and you consent to the personal jurisdiction of such courts.

15. Dispute Resolution

Before initiating any legal action, you agree to first contact us and attempt to resolve the dispute informally. If we are unable to resolve the dispute within thirty (30) days, either party may proceed with formal dispute resolution.

16. 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.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and ZachJHealth LLC regarding your use of our Website and services, and supersede all prior agreements and understandings.

18. Contact Information

If you have any questions about these Terms of Service, please contact us:

ZachJHealth LLC
Wesley Chapel, FL 33543
Email: [email protected]
Phone: (585) 353-3315
Website: zachjhealth.oasisautokonnect.com