TERMS AND CONDITIONS OF USE

These Terms and Conditions (“Terms”) constitute a legal agreement between you (“User”) and ABM Health Advisors

(referred to as “we,” “our,” or “us”). By accessing or using this website (“Site”), submitting inquiries, or requesting information, you agree to be bound by these Terms. Your use of this Site signifies your acceptance of these Terms. If you do not agree, you must immediately discontinue using the Site.

By clicking “Submit” or a similar button on any inquiry or request form, you acknowledge that you have read, understood, and agreed to these Terms, providing your electronic signature as a condition of using this service.

IMPORTANT NOTICE:

THESE TERMS INCLUDE A MANDATORY ARBITRATION AGREEMENT THAT REQUIRES DISPUTES TO BE RESOLVED THROUGH ARBITRATION RATHER THAN COURT PROCEEDINGS. YOU WAIVE YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN CLASS ACTION LAWSUITS.

1. OUR SERVICES

ABM Health Advisors provides a platform to connect individuals with licensed insurance professionals who offer relevant products and services. We do not charge users for submitting inquiries or requesting information. Your information may be shared with third-party insurance providers who can assist with your inquiry.

We do not endorse, guarantee, or recommend any specific insurance provider, product, or service. Any transactions or agreements between you and third parties are separate from ABM Health Advisors, and we are not responsible for the outcome of any such interactions.

2. CONSENT TO BE CONTACTED

By submitting a request for information or a quote, you consent to be contacted by phone, email, text message, or mail, even if you are on any state or national “Do Not Call” list. You understand that third-party insurance professionals may use automated systems to contact you. You may opt out of communications at any time by following the instructions provided in messages or by contacting {{location.email}}.

If you request a quote for insurance services, your details may be shared with licensed insurance agents who will contact you regarding available plans.

3. NO GUARANTEE OF RESULTS

Submitting your information does not guarantee that you will be contacted by a service provider, that you will qualify for specific insurance coverage, rates, or terms, or that the information provided on this Site is accurate, complete, or applicable to your situation. You are responsible for evaluating any insurance products or services recommended by third-party providers.

4. DISCLAIMER OF WARRANTIES

THIS SITE AND THE SERVICES PROVIDED ARE OFFERED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE ACCURACY, RELIABILITY, OR COMPLETENESS OF THE CONTENT, THE AVAILABILITY, SECURITY, OR UNINTERRUPTED OPERATION OF THE SITE, AND THE SUITABILITY OR PERFORMANCE OF THIRD-PARTY INSURANCE PRODUCTS OR SERVICES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

5. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ABM HEALTH ADVISORS, ITS AFFILIATES, OFFICERS, AND DIRECTORS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING FROM YOUR USE OF THIS SITE, OUR SERVICES, OR THIRD-PARTY PRODUCTS OR SERVICES. IF LIABILITY IS ESTABLISHED, OUR TOTAL LIABILITY SHALL NOT EXCEED $100 USD.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR LIABILITY LIMITATIONS. IN SUCH CASES, OUR LIABILITY IS LIMITED TO THE MINIMUM AMOUNT REQUIRED BY LAW.

6. DISPUTE RESOLUTION – BINDING ARBITRATION

Any disputes, claims, or controversies related to your use of this Site or our services must be resolved through binding arbitration rather than in court. Arbitration will be conducted in accordance with the rules of the American Arbitration Association (AAA). If the claim amount is less than $2,500 USD, arbitration may be conducted telephonically. The arbitration will take place in {{location.address}}, unless both parties agree otherwise. The arbitration award may be entered in a court of competent jurisdiction.

To initiate arbitration, a written request must be sent by certified mail to {{location.address}}.

WAIVER OF CLASS ACTION: YOU AGREE TO WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS ARBITRATION.

7. CHANGES TO THESE TERMS

We reserve the right to modify or discontinue this Site, our services, or these Terms at any time, without prior notice. Updates will take effect immediately upon posting on this page. Continued use of the Site after changes means you accept the updated Terms. We may discontinue certain services or change eligibility criteria at our sole discretion.

8. THIRD-PARTY LINKS AND SERVICES

This Site may contain links to external websites. We do not control or endorse their privacy policies or business practices. We recommend reviewing their policies before sharing personal information. We are not responsible for the accuracy, reliability, or security of third-party content.

9. GOVERNING LAW

These Terms shall be governed by the laws of the

State of {{location.state}}

, without regard to conflict of law principles. If any provision in these Terms is determined to be unenforceable, the remaining provisions will remain in full effect. A valid replacement provision will be applied that closely reflects the original intent. You agree that a printed version of these Terms shall be admissible in legal or administrative proceedings.

10. CONTACT INFORMATION

For any questions regarding these Terms, you may contact us at

Email: {{location.email}}

Phone: {{location.phone}}

Address: {{location.address}}

Last Updated: {{current_date}}