Terms and Conditions

Effective Date: 05/14/2023

Terms & Conditions

 

By using or accessing ACAEligibility.com (the “Site”), or any content provided on the Site (collectively, “Content”), you acknowledge your agreement to the terms and conditions (the “Terms”). If you do not agree to these Terms, you are not permitted to use the Site. These Terms constitute a legally binding agreement between you and ACAEligibility.com, the owner of the Site (“we”, “us”, or “our”). You represent and warrant that you have the necessary authorizations to enter into this agreement and that your use of the Site, including any provision or use of Content, complies with applicable law.

 

Disclaimer

 

ACAEligibility.com is an independent service and is not affiliated with any government entity or governmental agency.

 

Our Services

ACAEligibility.com serves as a platform to facilitate enrollment in health insurance plans, often subsidized by the Affordable Care Act. We collect personal information necessary for enrollment through unique forms tailored to specific insurance agents or agencies (collectively, “Providers”). Each form mentions the corresponding agent or agency responsible for processing the enrollment. By submitting your information, you also consent to be contacted by us or the Providers to collect any missing information or additional consent needed to complete your enrollment. While we facilitate the collection of information and direct it to specified Providers, we do not engage in selling insurance or enrolling users directly.

 

Personal Use

Access to the public sections of our Site is free, but Providers pay a fee to access potential client leads. We grant users a limited, revocable, non-exclusive license to access the Site to view or inquire about our services in accordance with these Terms. Providers are granted a similar license to access password-protected sections of the Site as per any agreement with us. Any use of the Site not expressly permitted by these Terms is prohibited. This includes data mining, copying, or aggregating Site content without our prior written permission.

 

Proprietary Rights

The Site is protected under U.S. copyright laws and international conventions. The content is intended only for personal use as outlined in these Terms. Copying, storing, or any other use of Site content beyond personal use is prohibited without prior written consent from us or the applicable copyright holder.

 

Unauthorized Use

Without our prior written consent, you may not:

 

  • Copy, distribute, or transmit any part of the Site content;
  • Use any automated means to monitor or copy the Site content;
  • Use the Site for any fraudulent or illegal purposes;
  • Post any false, misleading, illegal, or harmful material;
  • Upload any malicious software or attempt to interfere with the Site’s operation.

Complaints and Feedback

All issues, complaints, or feedback relating to the services received should be directed to the specified agent or agency mentioned in the enrollment form. While we facilitate the initial contact between users and Providers, we are not responsible for subsequent interactions or agreements.

 

Changes to the Site

We reserve the right to modify or discontinue any aspect of the Site at any time, including services or content availability.

 

Emails and Communication

Submitting an inquiry or using our services constitutes consent to receive communications from us and our affiliates, including promotional emails. Our Privacy Policy, which is incorporated into these Terms, outlines our data handling practices.

 

Data Handling

We store and process user data possibly outside of the United States, regardless of user location. You consent to such processing and storage.

 

Limitation of Liability

We are not liable for any direct or indirect damages resulting from your use of the Site or for actions between users and Providers. Our liability is limited to the less of the fees received from you or $1000.

 

Governing Law

These Terms are governed by the laws of Florida, USA. Disputes arising from these Terms or your use of the Site will be exclusively resolved in the courts of Miami-Dade County, Florida.

 

State Data Privacy Rights

General Overview: State-specific data privacy laws provide residents with certain protections and govern how businesses like ACAEligibility.com use and share your personal information. Below is an overview of these laws as they apply to residents of specific states at the time this document was updated.

California: California residents are afforded specific rights under the California Consumer Privacy Act (CCPA) and its amendment, the California Privacy Rights Act (CPRA). These rights include the ability to know about and decide how your personal information is being used, request deletion, and opt-out of the sale of your personal data. Businesses are required to respond to these requests and provide detailed privacy notices. For more detailed information or to make a request regarding your personal data, please contact us as specified in our Privacy Policy.

Connecticut: The Connecticut Data Privacy Act (CTDPA) grants residents rights to access, correct, delete, and opt out of the sale or processing of their personal data. It also requires businesses to adhere to strict data security protocols and to obtain explicit consent for the use of sensitive personal information. If you are a Connecticut resident and wish to exercise these rights, please contact us at the designated contact information in our Privacy Policy.

Virginia: Under the Virginia Consumer Data Protection Act (VCDPA), residents have enhanced privacy protections. This act allows you to access, correct, delete, and obtain your data in a portable format and opt out of processing for targeted advertising or sale. Virginia residents seeking to exercise these rights may contact us via the process outlined in our Privacy Policy.

Colorado: The Colorado Privacy Act (CPA) provides rights such as access, correction, deletion, portability, and the right to opt out of certain data processing activities. If you are a Colorado resident and wish to make a data request, please reach out to us through the methods provided in our Privacy Policy.

Utah: The Utah Consumer Privacy Act (UCPA) offers rights including access, deletion, and data portability, and allows consumers to opt out of certain data uses. Utah residents can contact us to exercise their rights as outlined in our Privacy Policy.

Nevada: Nevada law requires operators of websites to disclose certain information about their data practices and provides consumers the right to opt out of the sale of their personal information. Nevada residents can exercise their rights by contacting us as detailed in our Privacy Policy.

Vermont: Residents of Vermont should refer to federal laws such as HIPAA for healthcare-related privacy and COPPA for children’s online privacy, as well as state data breach notification laws. Vermont does not currently have a comprehensive consumer data privacy law.

Actionable Steps: If you reside in any of the states mentioned and wish to exercise your rights under these state laws, or if you have questions about how we handle your personal data, please refer to our Privacy Policy for more information on how to submit a request. Our Privacy Policy also provides detailed information about how we collect, use, and share your data in compliance with applicable state laws.

Compliance and Contact Information: We are committed to complying with all applicable state laws regarding consumer data privacy. For more information, or if you need assistance regarding your state’s data privacy rights, please contact us using the information provided in our Privacy Policy. We aim to respond to all requests from our users regarding personal data rights in a timely and respectful manner.

 

Amendments

We may amend these Terms at any time by posting the revised version on the Site. Continued use of the Site after changes means you accept the new Terms.

 

Miscellaneous

Access to the Site may be terminated at any time if you violate these Terms. Disputes must be brought within one year from the cause of action. Our failure to enforce any right does not waive that right.