Terms and Conditions

1. Conditions of Use

By using this website, you certify that you have read, reviewed, and agree to comply with these Terms. Insurance Masters grants use of this website and related services only to users who agree to these Terms.

The information provided on this website is intended for general informational purposes only and does not constitute an offer to sell, bind, modify, or terminate insurance coverage.

2. Insurance and Coverage Disclaimer

Insurance coverage cannot be bound, changed, added, deleted, or terminated through submission of an online form, email, voicemail, text message, facsimile, or other electronic communication.

No binder, insurance policy, policy change, addition, deletion, or other coverage modification will take effect unless and until confirmed directly by a licensed insurance agent and, when applicable, accepted by the issuing insurance carrier.

Any insurance proposal, quote, plan comparison, subsidy estimate, or premium estimate we may provide is based on information you provide and/or information available through applicable quoting or enrollment systems. All coverage is subject to the terms, conditions, limitations, exclusions, underwriting rules, eligibility requirements, effective dates, and availability of the actual policy or plan issued.

Not all policies, plans, products, subsidies, carriers, or coverage options are available in every state or to every individual.

3. ACA Marketplace Estimates and Eligibility

Any Affordable Care Act (“ACA”), Health Insurance Marketplace, subsidy, tax credit, cost-sharing reduction, or premium estimate provided through this website or by Insurance Masters is preliminary and based on user-provided information.

Final eligibility, premium amounts, subsidies, cost-sharing reductions, plan availability, effective dates, and coverage terms are determined solely by the Health Insurance Marketplace, applicable government agencies, and/or the issuing insurance carrier.

Insurance Masters does not guarantee eligibility, approval, plan availability, subsidy amounts, premium amounts, savings, or coverage.

4. Marketplace Consent and Application Review

Submitting a form on this website does not, by itself, authorize Insurance Masters to submit a Marketplace application, enroll you in a plan, change your coverage, or make plan selections on your behalf.

Before Insurance Masters provides Marketplace enrollment assistance, submits application information, or facilitates enrollment on your behalf, we may be required to obtain and document your consent. You may also be required to review and confirm the accuracy of your application information before submission.

You are responsible for providing complete and accurate information. Incorrect, incomplete, or outdated information may affect eligibility, premium amounts, subsidies, tax credits, plan availability, effective dates, or coverage.

5. No Government Affiliation

Insurance Masters, LLC is a licensed insurance agency. We are not a government agency and are not affiliated with, endorsed by, or operated by the federal government, HealthCare.gov, any state-based Marketplace, or any government benefits program.

References to ACA plans, Marketplace coverage, subsidies, premium tax credits, or similar terms are for informational purposes only and do not imply government affiliation or endorsement.

6. Communication Consent

By submitting your contact information through this website, you verify that the information provided is accurate and that the telephone number and email address submitted belong to you or are authorized for your use.

You authorize Insurance Masters, LLC and its licensed representatives to contact you by phone, text message, email, voicemail, prerecorded or artificial voice message, or other electronic communication regarding health insurance options, ACA Marketplace coverage, appointment reminders, account updates, applications, renewals, and related products or services.

These communications may be made using automated technology. Your consent applies even if your telephone number is listed on a state or federal Do Not Call registry.

Consent is not a condition of purchase. Message and data rates may apply. Message frequency may vary. You may opt out of text messages at any time by replying STOP. You may reply HELP for help. You may also contact us at 803-761-0222 to update your communication preferences.

7. Privacy Policy

Before continuing to use this website or submitting information through our forms, please review our Privacy Policy. Our Privacy Policy explains how we collect, use, disclose, store, and protect information submitted through this website and related services.

By using this website or submitting information through our forms, you acknowledge that you have had an opportunity to review our Privacy Policy.

8. Personal Information and Secure Communications

To protect your privacy, please do not send confidential personal, medical, financial, or household information through unsecured email or other unsecured channels.

If sensitive information is required to assist you, we may ask you to provide it by phone, secure upload, secure form, or another appropriate method.

Please contact our office at 803-761-0222 to discuss specific coverage details, personal information, or insurance needs.

9. General Information Only

Statements on this website regarding insurance plans, policies, benefits, subsidies, coverage, networks, providers, prescriptions, or other insurance-related topics are for general informational purposes only.

We make reasonable efforts to provide accurate information, but we do not warrant or guarantee that all website content is complete, current, or error-free. Insurance coverage and benefits are governed by the actual policy, certificate, plan documents, carrier rules, Marketplace determinations, and applicable law.

You should consult with a licensed insurance agent regarding how any plan, policy, benefit, or coverage option applies to your specific situation.

10. Provider Networks and Plan Information

Provider networks, prescription drug formularies, plan benefits, premiums, subsidies, deductibles, copayments, coinsurance, out-of-pocket maximums, and other plan details may change and must be verified with the issuing insurance carrier, Marketplace, or applicable provider directory.

Insurance Masters may assist with network or plan verification, but we do not guarantee that a provider, facility, prescription, or service will be covered or treated as in-network.

You should confirm provider network status, medication coverage, and benefit details before receiving care or enrolling in a plan.

11. No Legal, Tax, Medical, or Financial Advice

Information provided on this website does not constitute legal, tax, medical, financial planning, or other professional advice.

If you have legal, tax, medical, financial, or planning questions, you should contact a qualified professional.

12. Age Restriction

You must be at least 18 years of age to use this website or submit information through our forms.

By using this website, you represent that you are at least 18 years old and legally able to agree to these Terms. Insurance Masters assumes no responsibility or liability for age misrepresentation.

13. Intellectual Property

All materials, content, designs, graphics, logos, text, images, tools, forms, processes, trademarks, service marks, and other materials available on this website are owned by Insurance Masters, its affiliates, suppliers, licensors, or other authorized parties.

You may not copy, reproduce, distribute, modify, display, transmit, publish, create derivative works from, or otherwise use our intellectual property without prior written permission from Insurance Masters, except as permitted by law.

14. User-Submitted Information

When you submit information through this website, you represent that the information is accurate, current, and complete to the best of your knowledge.

You grant Insurance Masters permission to use, transmit, process, and store submitted information as reasonably necessary to respond to your request, provide insurance-related assistance, communicate with you, prepare quotes or estimates, assist with applications or renewals, and perform related services, subject to our Privacy Policy and applicable law.

You agree not to submit false, misleading, fraudulent, unlawful, or unauthorized information.

15. User Accounts

Some parts of this website or related services may require registration or account access. If you create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.

If you believe your account or personal information may have been compromised, please notify us promptly.

We reserve the right to suspend or terminate access, remove content, or restrict use of our services at our discretion and as permitted by law.

16. Third-Party Links, Tools, and Vendors

This website may contain links to third-party websites, carrier websites, provider directories, Marketplace resources, quoting tools, scheduling tools, payment processors, advertising platforms, analytics providers, or other vendors.

These links and tools are provided for convenience only. Insurance Masters does not control third-party websites, tools, or vendors and does not guarantee the accuracy, availability, security, privacy practices, or services provided by third parties.

Your use of third-party websites or tools may be subject to separate terms and privacy policies.

17. Advertising, Analytics, and Tracking

We may use third-party advertising, analytics, pixels, cookies, tags, or similar technologies to help operate our website, measure campaign performance, improve services, and deliver relevant communications or advertisements.

Additional information regarding data collection and tracking practices should be reviewed in our Privacy Policy.

18. Applicable Law

These Terms are governed by the laws of the State of South Carolina and applicable federal laws of the United States, without regard to conflict of law principles.

19. Disputes

Any dispute arising from or relating to your use of this website, these Terms, or services provided by Insurance Masters shall be brought exclusively in the state or federal courts located in South Carolina, unless applicable law requires otherwise.

You consent to the personal jurisdiction and venue of such courts.

20. Indemnification

You agree to indemnify, defend, and hold harmless Insurance Masters, LLC, its affiliates, owners, officers, employees, agents, representatives, suppliers, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys’ fees, arising out of or related to your use or misuse of this website, your violation of these Terms, your submission of inaccurate or unauthorized information, or your violation of any law or third-party right.

Insurance Masters reserves the right to select its own legal counsel and control its defense.

21. Limitation of Liability

To the fullest extent permitted by law, Insurance Masters, LLC and its affiliates, owners, officers, employees, agents, representatives, suppliers, and licensors shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or other damages arising from or related to your use of this website, reliance on website content, inability to access the website, use of third-party links or tools, or submission of information through online forms.

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

22. Website Availability and Errors

We may update, modify, suspend, or discontinue any part of this website or related services at any time without notice.

We do not guarantee that the website will always be available, uninterrupted, secure, or free from errors, viruses, or harmful components.

23. Changes to These Terms

Insurance Masters reserves the right to edit, modify, update, or replace these Terms at any time.

When changes are made, we may update the “Last updated” date above and/or provide notice by reasonable means. Continued use of this website after changes are posted constitutes acceptance of the updated Terms.

24. Contact Information

If you have questions about these Terms, your insurance options, or your communication preferences, please contact us: