TERMS AND CONDITIONS

Please read these Terms and Conditions (“Terms”) carefully before using the websites and services operated by OpenEnrollmentPro (“Company,” “we,” “us,” or “our”). By accessing or using our websites, you agree to be bound by these Terms. If you do not agree, you may not use the websites.

1. Introduction

These Terms govern your access to and use of any content, functionality, products, forms and services offered on or through our websites. Our Privacy Policy forms part of these Terms and describes how we collect and use personal information.

2. Binding Agreement

By visiting, accessing, or otherwise using our websites, you confirm that you are at least 18 years of age (or the age of majority in your jurisdiction) and that you agree to these Terms. If you are using the websites on behalf of an organization, you represent that you are authorized to accept these Terms on its behalf.

3. Intellectual Property

All text, graphics, logos, icons, images, videos and other content on the websites (collectively, “Content”) is owned by or licensed to us and is protected by copyright, trademark and other laws. You may not copy, reproduce, modify, distribute, sell, lease, or create derivative works from the Content without our prior written consent.

4. Third‑Party Property

Third‑party trademarks, service marks and logos appearing on the websites are the property of their respective owners. Use of third‑party names or logos does not imply any endorsement or relationship unless expressly stated.

5. Responsible Use

You agree to use the websites only for lawful purposes and in accordance with these Terms. You may not attempt to gain unauthorized access to any portion of the websites, interfere with the proper working of the websites, or use the websites in a manner that could disable, overburden, or impair our servers or networks.

6. Refund and Return Policy

We provide professional advisory and facilitation services related to health‑insurance enrollment. Because services are performed through consultation and expertise rather than the sale of a tangible product, fees—when charged—are generally non‑refundable once work has begun. If you believe a charge was made in error, please contact us within 30 days and we will review your request in good faith.

7. Idea Submission

We do not accept or consider unsolicited ideas or proposals. If, despite this policy, you send us feedback, comments, ideas, or suggestions, you agree that we may use them without restriction or obligation to you.

8. Termination of Use

We may suspend or terminate your access to the websites at any time, with or without notice, for conduct that we believe violates these Terms, applicable law, or is otherwise harmful to other users, us, or third parties.

9. Warranties and Liability

The websites and all Content are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non‑infringement. To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or loss of profits or data, arising out of or related to your use of the websites.

10. Privacy

Your use of the websites is also governed by our Privacy Policy. By using the websites, you consent to the collection and use of your information as described there.

11. Export Restrictions / Legal Compliance

You may not use the websites or Content in violation of U.S. export control laws or any other applicable laws and regulations.

12. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights or obligations at any time.

13. Breaches of these Terms and Conditions

We may take any action we deem appropriate for actual or suspected violations of these Terms, including warning notices, suspension, or termination of access.

14. Indemnification

You agree to defend, indemnify and hold harmless OpenEnrollmentPro and our officers, directors, employees, agents and affiliates from and against any claims, liabilities, damages, judgments, losses, costs or expenses (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the websites.

15. Waiver

Our failure to enforce any provision of these Terms shall not be a waiver of that provision or of our right to enforce it later.

16. Language

These Terms may be provided in multiple languages for convenience. The English version will control in the event of a conflict.

17. Entire Agreement

These Terms, together with our Privacy Policy and any additional terms presented with specific features, constitute the entire agreement between you and us regarding the websites and supersede all prior or contemporaneous communications.

18. Choice of Law and Jurisdiction

These Terms are governed by the laws of the State of Florida, without regard to conflict‑of‑law principles. You agree to submit to the exclusive jurisdiction of the state and federal courts located in Palm Beach County, Florida.

19. Contact Information

If you have questions about these Terms, please contact us at steve@openenrollmentpro.com.

20. Download

You may download a copy of these Terms for your records. Continued use of the websites after changes are posted constitutes your acceptance of the revised Terms.

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