Acceptance of Terms
By accessing and using the NioniCare website (nionicare.com) and our services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.
Description of Service
NioniCare is a licensed health insurance agency that helps individuals and families find and enroll in ACA-compliant health insurance plans. Our website provides educational information about the Affordable Care Act and a quote request form to connect you with a licensed insurance agent.
Our services include:
- Health insurance plan comparison and recommendations
- Assistance with ACA marketplace enrollment
- Bilingual support in English and Spanish
- Follow-up communications via text message and phone
SMS Communications Consent
By submitting our quote request form, you expressly consent to receive text messages from NioniCare at the phone number you provided. This consent is not a condition of purchasing any service.
Key terms:
- Frequency: Message frequency varies based on your inquiry
- Costs: Message and data rates may apply
- Opt-out: Reply STOP to any message to cancel
- Help: Reply HELP or call (786) 227-1774
Your consent to receive text messages is governed by the Telephone Consumer Protection Act (TCPA) and applicable state laws. We will not send marketing messages unrelated to your health insurance inquiry.
User Responsibilities
When using our services, you agree to:
- Provide accurate and complete information on our forms
- Be at least 18 years of age
- Not use our website for any unlawful purpose
- Not submit false or misleading information
- Not attempt to interfere with the proper functioning of our website
Health Insurance Disclaimer
NioniCare is a licensed health insurance agency, not an insurance company. We do not underwrite, issue, or guarantee any insurance policies.
Important:
- Plan availability, benefits, and pricing are determined by insurance carriers
- Eligibility for subsidies and cost-sharing reductions is determined by federal and state guidelines
- Information on our website is for educational purposes and may not reflect the most current plan details
- Final plan details, coverage, and costs are subject to the terms of the insurance policy issued by the carrier
- We recommend reviewing all plan documents carefully before enrollment
Intellectual Property
All content on this website, including text, graphics, logos, and design elements, is the property of NioniCare and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without written permission.
The ACA (Affordable Care Act) information provided is based on publicly available government resources and is presented for educational purposes.
Limitation of Liability
NioniCare provides its website and services on an "as is" basis. To the fullest extent permitted by law:
- We make no warranties regarding the accuracy or completeness of information on our website
- We are not liable for any damages arising from your use of our website or services
- We are not responsible for decisions made based on information provided on our website
- Our total liability to you shall not exceed the amount you paid for our services (our services are free to consumers)
This limitation does not apply to damages caused by our gross negligence or willful misconduct.
Privacy
Your use of our website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our services, you consent to the practices described in our Privacy Policy.
Governing Law
These Terms of Service are governed by the laws of the State of Florida, without regard to conflict of law principles. Any disputes arising from these terms or your use of our services shall be resolved in the courts of Miami-Dade County, Florida.
Changes to These Terms
We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of our website after changes are posted constitutes acceptance of the modified terms.
Contact Us
If you have questions about these Terms of Service:
- Phone: (786) 227-1774
- Website: nionicare.com