Terms and Conditions

Acceptance

These terms apply to your use of this website, which is operated by Income Innovator, LLC. By using the site, you agree to these terms. If you do not agree, please do not use the site.

These terms are separate from, and do not constitute, consent to receive calls or text messages. Consent to text messages is given only by checking the consent box on the text updates sign-up page, and it is never required to use this site or to purchase anything.

Educational content

The guides and other content on this site are general education. They are not legal, tax, financial, or medical advice, and they are not a recommendation of any particular plan. Read your plan documents, and consult a qualified professional about your own situation.

Plans vary and change

Plan availability, cost-sharing, networks, and formularies vary by location and change annually. Information on this site may not reflect the plans available where you live or the terms of a plan in a given year.

Insurance notice

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. To learn about all of your options, visit HealthCare.gov or call 1-800-318-2596.

Income Innovator, LLC is a private company and is not connected with or endorsed by the United States government, the federal Health Insurance Marketplace, or HealthCare.gov.

This is a solicitation for insurance. A licensed insurance agent may contact you.

Acceptable use

You agree not to use the site for any unlawful purpose, to sign up a phone number that is not yours or that you are not authorized to use, to interfere with the site or its security, to attempt to access it by automated means without permission, or to submit false information.

Intellectual property

The text, design, graphics, and other content on this site belong to Income Innovator, LLC or its licensors and are protected by law. You may view and share links to the site for personal, non-commercial use. You may not copy, modify, or republish the site or its content without written permission.

Third-party links

The site links to other websites, such as HealthCare.gov and Medicare.gov. We do not control those sites and are not responsible for their content or practices. Their own terms and privacy policies apply.

No warranties

The site and its content are provided as is and as available, without warranties of any kind, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, and non-infringement.

Limitation of liability

To the fullest extent permitted by law, Income Innovator, LLC and its members, managers, employees, and agents are not liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the site or its content.

Indemnification

You agree to indemnify and hold harmless Income Innovator, LLC and its members, managers, employees, and agents from any claims, losses, and expenses, including reasonable attorneys' fees, arising from your misuse of the site or your violation of these terms.

Governing law and venue

These terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. Any dispute arising from these terms or the site will be brought exclusively in the state or federal courts located in Miami-Dade County, Florida, and you consent to the jurisdiction of those courts.

Changes to these terms

We may update these terms by posting a new version on this page and changing the date at the top. Your continued use of the site after a change means you accept the updated terms.

Contact

Email [email protected]. Mail: Income Innovator, LLC, 1200 Brickell Avenue, Suite 1950, Miami, FL 33131.