Terms of service

Overview; Acceptance of Terms

The websites at www.plthealthandlife.com and any other site where we post these Terms (each a “Site”), together with any PLT software provided for use on mobile devices (the “App,” and with the Site, the “Properties”), are copyrighted works owned by PLT Health and life [a Florida company]. Certain features may have additional terms posted within the Properties. Those additional terms are incorporated by reference.

By accessing or using the Properties, you accept these Terms on behalf of yourself or the entity you represent and you confirm you have authority to do so. You must be at least 18 and a U.S. resident to use the Properties. If you do not agree, do not use the Properties. The Properties are intended for U.S. use.

Arbitration and Class Waiver. These Terms require individual arbitration to resolve disputes and waive jury trials and class actions. See Section 11.

1. Background; Required Information

1.1 What PLT Does

PLT is a web-enabled distributor of health-related insurance products. Through our quoting and enrollment tools, you may review plan options and, where available, submit an application to insurers or their administrators (“Applications”). If your Application is accepted by an insurer, you may access plan information via a password-protected member portal (the “Member Portal”) and/or the App. PLT is not an insurer. We act as an agency or distributor on behalf of insurers.

1.2 Your Information

To use certain features you must provide accurate, current, and complete information. If you submit information about another person, you represent you are authorized to do so, including to provide consent to be contacted under the Telephone Consumer Protection Act (TCPA). We may suspend or terminate access for inaccurate or unauthorized submissions.

1.3 Coverage Types and Important Limits

Products may include Short-Term Medical, Fixed Indemnity, Accident, Critical Illness/Supplemental, Dental, and Vision.

Short-Term Medical provides time-limited coverage for certain medical services.

Fixed Indemnity pays set cash benefits for covered services and does not guarantee payment of full provider charges.

Accident/Critical Illness pays cash benefits for covered events and is not a substitute for major medical insurance.

Dental/Vision are standalone supplemental plans.

Short-Term Medical and Fixed Indemnity plans are not ACA-compliant major medical coverage. They may exclude pre-existing conditions, certain essential health benefits, and may include annual or lifetime dollar limits. Review your policy carefully. Do not cancel existing coverage until you have written confirmation that new coverage is in force.

2. Access to the Properties

2.1 License

Subject to these Terms, PLT grants you a limited, revocable, non-exclusive, non-transferable license to access and use the Properties for your personal, noncommercial use.

2.2 Restrictions

You must not: (a) license, sell, rent, lease, transfer, assign, distribute, host, or commercially exploit the Properties or content; (b) modify, reverse engineer, decompile, or create derivative works; (c) access to build a competing product or service; (d) copy, distribute, display, or transmit any part of the Properties except as expressly allowed; or (e) remove proprietary notices.

2.3 Changes

We may modify, suspend, or discontinue any part of the Properties at any time without liability.

2.4 Support

We have no obligation to provide maintenance or support unless required by law or a separate agreement.

2.5 Ownership; Data

PLT and its licensors own all rights in the Properties and content. No rights are transferred except the limited license above. Information you provide through the Properties may be shared with insurers and service partners to deliver quotes, underwriting, enrollment, servicing, analytics, and compliance, as described in our Privacy Policy. We will handle personal information per our Privacy Policy and applicable law.

2.6 Applications

By submitting an Application, you authorize PLT to transmit your information to relevant insurers or administrators. Those parties may contact you using the details you provided. Perform your own due diligence before purchasing. PLT is not responsible for insurer actions, decisions, delays, or outcomes. We may decline to forward any Application at our discretion. Do not cancel existing insurance until you receive written confirmation from your new insurer that coverage is effective.

2.7 Member Portal and App

You are responsible for safeguarding your credentials. The Portal or App may display links to third-party portals for claims, billing, or plan administration. Third-party terms and privacy policies apply.

3. Privacy

Your use of the Properties is subject to our Privacy Policy. By using the Properties, you consent to our data practices. Key points:

PLT may earn compensation when you enroll in a plan or when we connect you with an insurer or agent, and from referrals or ads where permitted.

The insurer’s or administrator’s privacy policy governs your interactions with them.

Display of any product or brand does not imply endorsement beyond our role as agent or distributor.

4. Acceptable Use

4.1 You agree not to:

(a) violate laws or third-party rights; (b) upload malware or harmful code; (c) send spam or unsolicited messages; (d) harvest user data without consent; (e) interfere with network security or operations; (f) attempt unauthorized access; (g) harass or disrupt other users; or (h) use bots, scrapers, or automated tools, except public search engines crawling for indexing per robots.txt.

4.2 Enforcement

We may investigate and take action, including suspension or termination and reporting to authorities.

4.3 Feedback

If you send suggestions or feedback, you grant PLT a perpetual, irrevocable, worldwide, royalty-free license to use them without restriction.

5. Indemnification

You will defend, indemnify, and hold harmless PLT and our officers, directors, employees, and agents from claims, damages, liabilities, costs, and fees (including reasonable attorneys’ fees) arising from: (a) your use of the Properties; (b) your violation of these Terms; or (c) your violation of law or third-party rights. We may assume exclusive defense at your expense; you will cooperate.

6. Content; Third-Party Links and Ads; Other Users

6.1 Informational Only

Content on the Properties is for convenience and information. It is not medical, legal, financial, or insurance advice and should not be the sole basis for decisions.

6.2 No Professional Advice

Always consult qualified professionals. We do not recommend or endorse specific products or services beyond our agent role.

6.3 Third-Party Links and Ads

Links, ads, and embedded tools are controlled by third parties. We are not responsible for their content, policies, or practices. Your use is at your own risk.

7. Disclaimers

THE PROPERTIES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, PLT AND OUR SUPPLIERS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED OR ERROR-FREE OPERATION OR FREEDOM FROM HARMFUL CODE. IF ANY WARRANTY IS REQUIRED BY LAW, ITS DURATION IS LIMITED TO 90 DAYS FROM FIRST USE.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PLT AND OUR SUPPLIERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR COST OF SUBSTITUTE GOODS OR SERVICES, ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE PROPERTIES, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED US $150. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; SOME LIMITS MAY NOT APPLY.

9. Term and Termination

These Terms remain in effect while you use the Properties. We may suspend or terminate access at any time for any reason, including violations. Upon termination, your right to use the Properties ends immediately. Sections that by nature should survive will survive, including 2.2–2.6, 4–10, and 11.

10. General

10.1 Changes to Terms

We may update these Terms. If we make material changes, we may notify you by email to your last known address or by posting on the Properties. Changes become effective the earlier of 30 days after notice or posting. Your continued use after changes means you accept them.

10.2 Export

You must comply with U.S. export control and sanctions laws. Do not export or re-export the App or technical data in violation of law.

10.3 Electronic Communications

You consent to receive communications electronically and agree electronic notices satisfy legal requirements for written communications.

10.4 Entire Agreement; Assignment

These Terms are the entire agreement regarding the Properties. If any provision is unenforceable, it will be modified to the minimum extent necessary. You may not assign these Terms without our consent. We may assign freely.

10.5 IP Notices

10.6 Contact

PLT Health and life

Email: support@plthealthandlife.com

Phone: 850-795-4493

11. Dispute Resolution; Arbitration; Class Action Waiver

11.1 Informal Resolution

Before filing a claim, you must send a written Notice of Dispute to PLT at the address in 10.6 describing the claim and requested relief. The parties will try to resolve the dispute within 30 days after receipt.

11.2 Binding Arbitration; No Class Actions

If unresolved, disputes between you and PLT arising out of or relating to these Terms or the Properties will be resolved by binding individual arbitration. You and PLT waive the right to a jury trial and to participate in a class or representative action. This agreement is governed by the Federal Arbitration Act (FAA).

Forum and Rules. Unless we agree otherwise, a single neutral arbitrator will administer the arbitration in the capital city of your state of residence at the time of your use, under the JAMS Comprehensive Arbitration Rules (or other mutually agreed rules) as modified by this Section. The arbitrator decides all issues except the enforceability, scope, or validity of this arbitration agreement, which a court decides.

Relief. The arbitrator may award individual relief (including injunctive relief) as permitted by law. No class, collective, consolidated, or representative proceedings.

Costs. Each party pays its own attorneys’ fees and costs; PLT pays filing or case management fees and arbitrator fees as required by applicable consumer-arbitration standards.

Small Claims. Either party may bring an individual claim in small claims court instead of arbitration.

Court Opt-In Exception. If a claim proceeds in court for any reason, both parties waive a jury trial and class proceedings to the extent permitted by law.

12. TCPA Consent

By providing a telephone number and clicking submit or otherwise opting in, you agree PLT and its licensed partners may contact you about quotes, enrollment, or plan options by call or text, including with an autodialer or prerecorded messages. Consent is not a condition of purchase. Message/data rates may apply. You can revoke consent by replying STOP or contacting support@plthealthandlife.com

or 850-795-4493.

13. App Terms (if applicable)

If you download the App from Apple App Store or Google Play, you also agree to the applicable store’s standard license terms. The store provider is not responsible for maintenance or support and has no warranty or liability obligations under these Terms.

14. Notices for Insurance Content

Insurance descriptions are summaries only. Policies, riders, and endorsements govern. Availability, exclusions, limitations, and costs vary by state and product and are subject to underwriting and carrier approval.

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