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Terms and Conditions

StateChoicePlans.com (“Site”). Please read these Terms and Conditions (“Terms”) carefully. By accessing or using our Site and services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use our Site.

1. Acceptance of Terms

By using this Site, you confirm that you have read, understood, and agree to these Terms and all applicable laws. StateChoicePlans reserves the right to change or update these Terms at any time without prior notice. Your continued use of the Site after any modifications are posted means you accept the updated Terms.

2. Use of the Site and Eligibility

  • Responsible Use: You agree to use the Site lawfully and responsibly. You must not use the Site to:

    • Engage in any unlawful or fraudulent activity.

    • Violate any intellectual property or privacy rights of others.

    • Transmit content that is harmful, offensive, or otherwise objectionable.

    • Interfere with the Site’s operation, security, or network.

  • Eligibility: You must be at least 18 years old or the legal age in your jurisdiction to use the Site. By using the Site, you confirm you have the legal capacity to enter into this agreement.

3. Intellectual Property

All content on this Site, including text, graphics, logos, images, software, and trademarks, is the property of, or licensed to, StateChoicePlans and is protected by intellectual property laws.

You may only use the content for your personal, non-commercial purposes. Any unauthorized use, reproduction, or distribution of Site content is strictly prohibited.

4. User Accounts

If you create an account on the Site, you agree to provide information that is accurate and complete. You are solely responsible for keeping your account credentials confidential and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.

5. Insurance Products and Services

StateChoicePlans provides information and facilitation services related to health insurance products.

  • We do not guarantee coverage approval or benefits; these are subject to the underwriting process and the specific terms of the insurance carrier.

  • The final insurance contract is directly between you and the insurer, not StateChoicePlans.

6. User-Generated Content

If you submit any content to the Site (such as reviews or comments), you grant StateChoicePlans a non-exclusive, worldwide, royalty-free license to use and display that content on the Site. You warrant that you own the content or have the necessary rights to submit it, and that it does not violate any laws or infringe upon the rights of others. We reserve the right to remove any user-generated content at our discretion.

7. Third-Party Links and Disclaimers

  • Third-Party Links: The Site may contain links to third-party websites. We do not control or endorse these external sites and are not responsible for their content, accuracy, or privacy policies. You access these links at your own risk.

  • Disclaimers: The Site and all related services are provided “as is” and “as available” without warranties of any kind. We do not guarantee the accuracy, reliability, or uninterrupted availability of the Site. Your use of the Site is at your sole risk. All insurance products are subject to the specific terms and conditions of the respective insurers.

8. Limitation of Liability and Indemnification

  • Limitation of Liability: To the maximum extent permitted by law, StateChoicePlans and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages (including loss of profits or data) arising from your use of the Site or services, even if we were advised of the possibility of such damages.

  • Indemnification: You agree to indemnify, defend, and hold harmless StateChoicePlans, its affiliates, officers, employees, and agents from any and all claims, liabilities, losses, costs, and expenses (including attorney’s fees) resulting from your violation of these Terms, your improper use of the Site, or your infringement of any rights of another person or entity.

9. Termination

We reserve the right to terminate or suspend your access to the Site at any time, without notice or liability, for any reason, including any breach of these Terms. Upon termination, your right to use the Site will immediately stop.

10. Governing Law, Jurisdiction, and Dispute Resolution

  • Governing Law: These Terms shall be governed by and interpreted under the laws of the jurisdiction in which StateChoicePlans operates, without regard to its conflict of law rules.

  • Jurisdiction: Any legal action or proceeding related to these Terms or the Site must be brought exclusively in the courts of that jurisdiction.

  • Dispute Resolution: Before bringing a formal lawsuit, you agree to first attempt to resolve any dispute with StateChoicePlans informally by contacting us directly.

11. General Provisions

  • Severability: If any part of these Terms is deemed legally invalid or unenforceable, the remaining provisions will remain in full force and effect.

  • Waiver: Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

  • Entire Agreement: These Terms, along with our Privacy Policy, constitute the entire agreement between you and StateChoicePlans regarding your use of the Site.

12. Contact Information

If you have any questions or concerns about these Terms, please contact us at: