Terms & Conditions

Welcome to Latino Health Specialists. These Terms and Conditions (“Terms”) govern your use of our website, services, and any related tools or resources (collectively, the “Services”) provided by Latino Health Specialists, a health insurance brokerage firm. By accessing or using our Services, you agree to be bound by these Terms.

Please read these Terms carefully. If you do not agree with any part of these Terms, please do not use our Services.

1. Our Services

Latino Health Specialists provides information and brokerage services related to health insurance, including but not limited to Affordable Care Act (ACA) plans, Medicare, and private health insurance options. We connect individuals with licensed agents who assist in selecting suitable insurance coverage.

2. Eligibility

By using our Services, you represent that you are at least 18 years of age and have the legal capacity to enter into this agreement. Our Services are intended for individuals residing in the United States.

3. No Guarantee of Coverage

Latino Health Specialists is a brokerage service and does not guarantee acceptance into any specific insurance plan. Final eligibility and enrollment are determined by the insurance providers and may be subject to underwriting and other conditions.

4. No Professional Advice

The content provided on our website or through our agents is for informational purposes only. It should not be considered legal, medical, or financial advice. Please consult with appropriate professionals before making any decisions related to health coverage.

5. User Responsibilities

You agree to:

Provide accurate, current, and complete information when using our Services.Not use our Services for any unlawful or unauthorized purpose.Maintain the confidentiality of any account credentials, if applicable.

6. Privacy Policy

Your use of our Services is also governed by our

Privacy Policy

, which outlines how we collect, use, and protect your personal information. [Insert link to Privacy Policy]

7. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by Latino Health Specialists. We are not responsible for the content, policies, or practices of any third-party services.

8. Disclaimer of Warranties

Our Services are provided “as is” and “as available” without any warranties of any kind, either express or implied. We do not guarantee that the Services will be uninterrupted, secure, or error-free.

9. Limitation of Liability

To the maximum extent permitted by law, Latino Health Specialists and its affiliates, agents, and employees will not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of the Services.

10. Indemnification

You agree to indemnify and hold harmless Latino Health Specialists, its officers, agents, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of the Services or violation of these Terms.

11. Modifications

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state in which Latino Health Specialists is registered, without regard to its conflict of law provisions.