Terms of Service

TERMS OF USE

AlignedCoverage.com
Last Updated: February 18, 2026

1. ACCEPTANCE OF TERMS OF USE

Please read these Terms of Use together with our Privacy Policy (collectively, the “Agreement”). The Agreement governs your access to and use of AlignedCoverage.com (including all content, tools, and services made available on or through the site) (the “Website”).

You must be a resident of the United States and at least eighteen (18) years of age to access or use the Website. By visiting, browsing, calling, or using the Website (including submitting information through any form, chat, or other feature), you agree to be legally bound by this Agreement.

Important notice about disputes: This Agreement contains a binding arbitration agreement, a class action and representative action waiver, and disclaimers and limitations of liability (see Sections 5 and 8). These provisions are a material part of this Agreement. If you do not agree, you are not authorized to use the Website and must stop using it.

For purposes of this Agreement, “you” and “your” refer to the person using the Website and any person on whose behalf information is submitted. If you use the Website on behalf of another individual or entity, you represent that you have authority to bind that individual or entity to this Agreement.

We may modify this Agreement at any time by posting an updated version on the Website. The “Last Updated” date will change when updates are posted. Your continued use of the Website after changes are posted means you accept the updated Agreement.

2. PRIVACY POLICY

Your use of the Website is subject to our Privacy Policy, which is incorporated into this Agreement by reference. The Privacy Policy describes how we collect, use, disclose, and retain information, including sharing with third parties and use for advertising and analytics. By using the Website, you consent to the practices described in the Privacy Policy.

3. MATCHING TOOLS AND SERVICES

3.1 What we do

The Website provides tools and services intended to help you explore insurance options and connect with third parties who may provide quotes, plan information, or enrollment assistance (“Insurance Providers”). Insurance Providers may include insurance carriers, licensed agents or brokers, lead distribution platforms, marketing partners, and other service providers (collectively, “Network Partners”).

3.2 We are not an insurer or marketplace

The Website is a privately owned, for-profit website. We are not a government agency and are not affiliated with, endorsed by, or operated by the United States Government, any state government, Healthcare.gov, or any federal or state public insurance marketplace.

We are not an insurance carrier, do not underwrite policies, do not make eligibility determinations, and do not bind coverage. Any decisions about eligibility, rates, benefits, coverage, or issuance of a policy are made solely by the applicable Insurance Provider.

3.3 Compensation disclosure

We may be compensated by Network Partners for advertising, referrals, technology services, call routing, or when you submit an inquiry that is transmitted to Network Partners. Compensation does not mean we recommend or endorse any specific plan or provider.

3.4 No recommendation or endorsement

We do not recommend or endorse any particular Insurance Provider, product, or plan. You should evaluate options based on your own needs and circumstances. Insurance Providers are responsible for their products and services, and you agree we are not liable for losses or damages arising from your interactions with any Insurance Provider.

3.5 Availability and changes

Products and services presented or discussed may not be available in all states or areas, and availability can change without notice. Insurance Providers participate only where authorized and may stop offering products in particular jurisdictions at any time.

3.6 Information is not an application; no guarantee

Information submitted through the Website is treated as an inquiry or request for information only. It is not an insurance application, not a request for pre-approval, and not a guarantee of coverage or rates. Quotes, if provided, may be conditional and may require additional information.

3.7 Identity verification and additional information

Insurance Providers may request additional information to provide quotes, verify identity, prevent fraud, or complete enrollment. Requirements and verification practices vary by provider. We do not control a provider’s underwriting or verification process.

3.8 Your submission authorizes sharing

By clicking any button indicating submission, acceptance, continuation, request for quotes, or similar action (a “Submission”), you understand you are submitting an inquiry and authorizing us to transmit the information provided in your Submission to Network Partners for the purpose of responding to your inquiry.

3.9 Contact from multiple parties

You may be contacted by more than one Network Partner. Network Partners may retain and use your inquiry information in accordance with their own privacy policies and applicable law. If you no longer wish to receive communications from a Network Partner, you must opt out directly with that Network Partner.

4. YOUR CONSENTS; COMMUNICATIONS; RECORDING

4.1 Consent to calls, texts, emails (TCPA)

By providing your phone number and/or email address through a Submission, you provide your signature and express written consent to be contacted by us and by Network Partners, including through their agents and service providers, using the information you provide.

You agree that contacts may include:

Telephone calls
Text messages (SMS)
Emails
Prerecorded or artificial voice messages
Calls or texts sent using automated technology (including an automatic telephone dialing system)

to the number(s) you provide, including wireless numbers, even if you are on a state or federal Do Not Call registry.

You understand:

Message and data rates may apply.
Consent is not a condition of purchase.
You can revoke consent at any time as described below.

Revoking consent: For communications from us, you may revoke consent by following opt-out instructions provided in the message (for example, replying STOP for texts where applicable) and/or emailing contact@AlignedCoverage.com. For communications from a Network Partner, you must opt out directly with that Network Partner.

4.2 Call recording and monitoring

Calls to or from phone numbers associated with the Website may be recorded or monitored for quality assurance, training, fraud prevention, and compliance purposes, where permitted by law. By calling or accepting a call, you consent to recording and monitoring.

4.3 Electronic communications

You agree that we may provide notices and communications electronically (including posting on the Website and/or by email). Electronic notices satisfy any legal requirement that such notices be in writing.

4.4 Invitation for application; licensing

Invitations for application for insurance made through AlignedCoverage.com are made through Aligned Coverage, LLC, or through its designated agent, Hilary Hess, only in jurisdictions where properly licensed and appointed.

License numbers and licensing details are provided where required by law and are available upon request.

Hilary Hess’s resident state is Florida. Florida license number: 19340749.

Licensing Information: Licensing

(If that URL will be different, change it. The key is: a clean link that hosts the multi-state disclosure list.)

5. DISCLAIMERS AND LIMITATIONS OF LIABILITY

5.1 Website provided “as is”

The Website and all content, tools, and services are provided on an “AS IS” and “AS AVAILABLE” basis. We do not warrant that the Website will be uninterrupted, secure, error-free, or free of harmful code.

5.2 No warranties

To the maximum extent permitted by law, we disclaim all warranties, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, security, accuracy, and non-infringement.

5.3 Limitation of liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, or business interruption, arising out of or related to your use of (or inability to use) the Website or your interactions with Network Partners.

To the maximum extent permitted by law, our total liability for any claim related to the Website or this Agreement will not exceed $150.

Some jurisdictions do not allow certain limitations. In those jurisdictions, limitations apply to the maximum extent permitted.

6. INDEMNITY

You agree to indemnify and hold harmless the Website operator and its affiliates, service providers, and their respective officers, directors, employees, and agents from and against claims, damages, liabilities, losses, and expenses (including reasonable attorneys’ fees) arising from or related to: (a) your use of the Website, (b) your violation of this Agreement, (c) your violation of applicable law, or (d) information you submit through the Website.

7. LINKS TO THIRD-PARTY WEBSITES

The Website may contain links to third-party websites, services, or advertisements. Third-party content is not under our control. We do not endorse, review, or guarantee third-party content. Your use of third-party websites is at your own risk and subject to the third party’s terms and policies.

8. AGREEMENT TO ARBITRATE; CLASS ACTION WAIVER

8.1 Arbitration agreement

Except where prohibited by law, you and we agree that any dispute, claim, or controversy arising out of or relating to the Website, your Submission, communications, or this Agreement (including claims under the Telephone Consumer Protection Act, 47 U.S.C. § 227, to the extent permitted) will be resolved by final and binding arbitration on an individual basis, and not in court.

The Federal Arbitration Act governs this section.

8.2 No class or representative actions

You and we agree that each may bring claims only in an individual capacity. No class actions, private attorney general actions, or representative proceedings are permitted. The arbitrator may not consolidate claims or preside over a class or representative proceeding.

8.3 Arbitration administrator and procedures

Unless the parties agree otherwise, arbitration will be administered by the American Arbitration Association (AAA) under its consumer arbitration rules, as modified by this Agreement. The arbitration will take place in the county where you reside, unless the parties agree to a different location, or unless a hearing is held by phone or written submissions where permitted by the rules.

8.4 Small claims option

Either party may bring an eligible claim in small claims court instead of arbitration, so long as the claim remains in small claims court.

8.5 Severability

If the class action waiver is found unenforceable, then the arbitration agreement will be null and void, and disputes will be resolved in court, subject to the remainder of this Agreement.

9. WEBSITE PROVIDED FROM THE UNITED STATES

The Website is controlled and operated from the United States and is intended for U.S. residents. If you use the Website from outside the United States, you understand your information may be transferred to and processed in the United States, where data protection laws may differ.

10. OTHER TERMS

10.1 Entire agreement

This Agreement is the entire agreement between you and us regarding your use of the Website and supersedes any prior or contemporaneous communications on the subject.

10.2 No partnership or agency

Nothing in this Agreement creates a partnership, joint venture, employment relationship, or agency relationship between you and us.

10.3 Assignment

You may not assign this Agreement without our prior written consent. We may assign this Agreement without restriction.

10.4 Force majeure

We are not responsible for delays or failures due to events beyond reasonable control, including internet outages, carrier failures, natural disasters, government actions, or third-party service interruptions.

10.5 Notices

We may provide notices by posting on the Website or by email. Legal notices to us should be sent as described in Section 10.7.

10.6 Governing law

Except as limited by the Federal Arbitration Act in Section 8, this Agreement is governed by the laws of the State of Florida, without regard to conflict of laws principles.

10.7 Contact

Questions about this Agreement: contact@AlignedCoverage.com
Privacy requests: contact@AlignedCoverage.com

11. COPYRIGHT AND INTELLECTUAL PROPERTY INFRINGEMENT (DMCA)

If you believe content on the Website infringes your copyright, you may submit a notice under the Digital Millennium Copyright Act to:

DMCA Agent
Email: contact@AlignedCoverage.com
(Include “DMCA Notice” in the subject line.)

Your notice should include:

Your signature (physical or electronic)
Identification of the copyrighted work
Identification of the allegedly infringing material and where it is located
Your contact information
A statement that you have a good-faith belief the use is not authorized
A statement under penalty of perjury that the information is accurate and you are authorized to act

We may remove content and/or restrict access as appropriate.

12. HEALTH INFORMATION DISCLAIMER

Any health-related information on the Website is provided for general informational purposes only and is not medical advice. Always consult a qualified healthcare professional for diagnosis and treatment decisions.

13. USER CONTENT AND ACCEPTABLE USE

If the Website allows you to submit content (including reviews, messages, uploads, or other content), you agree you will not submit content that is unlawful, defamatory, abusive, harassing, misleading, invasive of privacy, infringing, or otherwise objectionable.

You also agree you will not:

Interfere with Website operations or security
Attempt unauthorized access
Scrape or harvest data using automated means without permission
Introduce malware or harmful code
Use the Website for spam or unsolicited marketing

We may remove content and restrict access at our discretion.

14. PRODUCTS AND SERVICES PROVIDED BY THIRD PARTIES

Insurance products, quotes, and related services are offered by Insurance Providers, not by us. We are not responsible for policy terms, benefits, coverage decisions, eligibility decisions, or customer service provided by Insurance Providers.

15. DESCRIPTIONS MAY CHANGE; NOT AVAILABLE IN ALL STATES

Descriptions on the Website are for informational purposes and may change without notice. Some products and services are not available in all jurisdictions. For complete details, you should request applicable plan documents and speak directly with the Insurance Provider.

16. TRADEMARKS

Names, logos, and marks displayed on the Website may be owned by us or third parties. You may not use any marks without prior written permission from the owner.

17. TERMINATION

We may suspend or terminate your access to the Website at any time, with or without notice, if we believe you have violated this Agreement or for any other lawful reason.