A. Acceptance of Terms
These Terms of Use govern your access to and use of the website operated by ClearCoverage at puxohu-miwuli.info (the "Site"). By accessing or using this Site in any manner, including browsing content, using the contact form, or following links to external resources, you agree to be bound by these Terms. If you do not agree to these Terms, please discontinue use of the Site.
These Terms constitute a legally binding agreement between you and ClearCoverage. We reserve the right to modify these Terms at any time. Your continued use of the Site after modifications are posted constitutes acceptance of the revised Terms.
B. Educational Purpose of This Site
ClearCoverage is an educational resource. The content on this Site is intended to help self-employed individuals understand publicly available information about health insurance marketplace options in the United States. All information is compiled from publicly available federal government sources, primarily Healthcare.gov and IRS publications.
This Site is not operated by or affiliated with the federal government, any state government, Healthcare.gov, the Centers for Medicare and Medicaid Services, the Internal Revenue Service, or any insurance company. The use of government terminology, program names, and regulatory concepts on this Site is for educational reference only.
This Site does not sell insurance products. It does not generate insurance quotes. It does not facilitate enrollment in any insurance plan. It has no financial relationship with any insurance carrier, broker, or agent.
C. No Professional Advice
Nothing on this Site constitutes insurance advice, tax advice, legal advice, financial advice, or any other form of professional advice. The content is informational only and is not a substitute for consultation with a licensed insurance agent, certified financial planner, or tax professional familiar with your individual circumstances.
Health insurance decisions involve complex personal factors including your health history, anticipated medical needs, financial situation, risk tolerance, and geographic location. The information on this Site cannot account for your individual circumstances and should not be the sole basis for any insurance decision.
ClearCoverage does not recommend any specific insurance plan, carrier, tier, or coverage type. Descriptions of how different plan types work are educational in nature and do not constitute recommendations for or against any particular option.
D. Accuracy and Currency of Information
We make reasonable efforts to ensure that the information on this Site is accurate and reflects current federal regulations and guidelines at the time of publication. Health insurance regulations, income thresholds, contribution limits, and subsidy calculations change annually. Information on this Site may not reflect the most current regulatory changes.
We publish quarterly updates noting significant changes. However, the Site does not update in real time. Always verify time-sensitive figures, such as HSA contribution limits, federal poverty level thresholds, and out-of-pocket maximums, with the current official government sources linked on our Government Sources page.
ClearCoverage does not warrant that the information on this Site is complete, accurate, timely, or free from errors. We disclaim all liability for errors or omissions in the content.
E. Permitted Use of the Site
You may access and use this Site for personal, non-commercial educational purposes. You may share links to pages on this Site. You may print or save individual pages for your own personal reference.
You may not reproduce, republish, distribute, or commercially exploit the content of this Site without written permission from ClearCoverage. You may not use automated tools, scrapers, or bots to access or collect content from this Site. You may not use the Site in any manner that could damage, disable, or impair its functionality. You may not attempt to gain unauthorized access to any part of the Site or its underlying systems.
F. Intellectual Property
The original written content, design, layout, graphics, and code comprising this Site are the intellectual property of ClearCoverage and are protected by United States copyright law. The ClearCoverage name and logo are proprietary marks of ClearCoverage.
Information compiled from government sources, including definitions, regulatory descriptions, and program explanations, is based on public domain federal government content. We have presented this information in an original format with original explanatory text, which is our intellectual property. The underlying government information itself is not owned by us.
G. External Links
This Site contains links to external websites, primarily official government websites such as Healthcare.gov, IRS.gov, and related federal domains. These links are provided for your convenience and as source verification. ClearCoverage does not control these external sites and is not responsible for their content, accuracy, or privacy practices.
Linking to an external site does not constitute endorsement of that site or its content beyond acknowledging it as an official government source. When you click an external link, you leave our Site and are subject to the terms and privacy policies of the destination site.
H. Disclaimer of Warranties
THIS SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. CLEARCOVERAGE EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that the Site will be available without interruption, that it will be free from errors or harmful components, that defects will be corrected, or that the information provided is complete, current, or accurate. Your use of the Site is at your own risk.
I. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CLEARCOVERAGE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THIS SITE, INCLUDING BUT NOT LIMITED TO LOSSES ARISING FROM RELIANCE ON INFORMATION PRESENTED ON THIS SITE IN CONNECTION WITH INSURANCE DECISIONS.
In no event shall ClearCoverage's total liability to you for all claims arising from or related to your use of this Site exceed the amount you paid to access the Site, which is zero, as this Site is provided free of charge.
Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for certain types of damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.
J. Indemnification
You agree to indemnify, defend, and hold harmless ClearCoverage and its operators, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
K. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of Ohio, without regard to its conflict of law provisions. Any dispute arising from or relating to these Terms or your use of this Site shall be resolved in the state or federal courts located in Hamilton County, Ohio, and you consent to the personal jurisdiction of those courts.
Before initiating any formal legal proceeding, you agree to contact ClearCoverage in writing at [email protected] and allow 30 days for us to attempt to resolve the matter informally.
L. Modifications to Terms
ClearCoverage reserves the right to modify these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top of this page. We may also post a notice on the Site homepage for significant changes. Your continued use of the Site after any modification constitutes acceptance of the revised Terms.
If you disagree with any modification, your sole remedy is to discontinue use of the Site.
M. Contact Information
Questions about these Terms of Use may be directed to:
ClearCoverage
635 W 7th St UNIT 401
Cincinnati, OH
Email: [email protected]
Phone: +1 513-729-1999