Terms of Service

Nature of Our Service

Lead Plateau is not an insurance company, insurance broker, or insurance agent. We do not sell, solicit, or negotiate insurance policies. Our Site provides a free consumer service that connects individuals seeking health insurance with independent, state-licensed insurance agents and brokers. All insurance products are offered, quoted, and sold exclusively by licensed insurance professionals or authorized insurance carriers.

TCPA Consent and Communications

By submitting your information through our Site, you provide your express written consent under the Telephone Consumer Protection Act (TCPA) to be contacted by Lead Plateau, its marketing partners, and licensed insurance agents at the phone number(s) you provide, including via telephone calls (including autodialed and prerecorded calls), text messages (SMS/MMS), and email communications. This consent is not a condition of purchasing any goods or services. You may revoke consent at any time by contacting us or replying STOP to any text message.

E-Sign Consent

You agree that clicking “Submit” or any similar button acts as your electronic signature. You consent to receiving required disclosures and communications electronically.

SMS Terms and Conditions

By opting in to SMS communications, you agree to receive informational and marketing text messages from Lead Plateau and its partners. Message and data rates may apply. Reply STOP to cancel. Reply HELP for assistance or contact [email protected].

Health Insurance Disclaimer

The information on this Site about the Affordable Care Act (ACA), health insurance plans, subsidies, and enrollment is provided for general educational purposes only. This information does not constitute medical advice, legal advice, or tax advice; may not reflect the most current regulatory changes; and should not be relied upon as a substitute for consultation with a licensed professional. Individual eligibility is determined by federal and state agencies based on your specific circumstances.

Enrollment and Plan Selection

All enrollment decisions are made between you and your licensed insurance agent or directly through Healthcare.gov or your state marketplace. Lead Plateau does not make enrollment decisions, approve or deny applications, or process insurance claims. You are responsible for reviewing all plan documents before enrolling.

Your Responsibilities

By using this Site, you represent that you are at least 18 years of age, a legal U.S. resident, and that the information you provide is accurate and complete. You agree not to use this Site for any unlawful purpose.

Intellectual Property

All content on this Site is the property of Lead Plateau or its licensors and is protected by intellectual property laws. You may view and print content for personal, non-commercial use. All other rights are reserved.

Limitation of Liability

Neither Lead Plateau nor any party involved in creating, producing, or delivering this Site shall be liable for any direct, incidental, consequential, special, indirect, or punitive damages arising out of your access to, or use of, this Site. Everything on this Site is provided “as is” without warranty of any kind. These exclusions are applied to the fullest extent permitted by law.

Lead Plateau is not responsible for the quality or accuracy of information provided by licensed insurance agents, any insurance policy terms or claim outcomes, decisions made by insurance carriers, or any medical outcomes related to your coverage.

Binding Arbitration

Any dispute arising from these Terms shall be resolved by binding arbitration in Dover, Delaware. The decision of the arbitrator shall be final and binding.

Class Action Waiver

Any proceedings to resolve or arbitrate any dispute will be conducted solely on an individual basis. Neither you nor Lead Plateau will seek to have any dispute heard as a class action or in any proceeding in which either party acts in a representative capacity.

Indemnification

By using this Site, you agree to indemnify and hold harmless Lead Plateau from any loss, liability, claim, or demand arising from your use of the Site or violation of these Terms.

Governing Law

These Terms shall be governed by the laws of the State of Delaware.