1. Acceptance of Terms
By accessing or using the Castro Coverage website ("Site") or submitting an inquiry through any of our forms, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site.
We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised date. Continued use of the Site after modifications constitutes acceptance of the updated Terms.
2. Services Description
Castro Coverage provides independent health insurance advisory services to individuals, families, and small businesses. Our services include:
- Reviewing and comparing available private health plan options.
- Advising on ACA marketplace plans and potential subsidy eligibility.
- Assisting with plan enrollment and Special Enrollment Period qualifications.
- Providing ongoing support for coverage questions and changes.
Our advisory services are provided at no cost to you. Castro Coverage is compensated through commissions paid by insurance carriers upon successful enrollment. This does not affect the objectivity of our recommendations.
3. Not a Guarantee of Coverage
Information provided on this Site and through our consultations is for educational and advisory purposes only. Nothing on this Site constitutes a binding offer or guarantee of insurance coverage, premium rates, or plan availability. Actual coverage, pricing, and eligibility are determined solely by the insurance carrier and applicable law.
Castro Coverage does not underwrite, issue, or administer insurance policies.
4. Accuracy of Information
We strive to provide accurate and up-to-date information. However, health insurance plans, premiums, networks, and regulations change frequently. We cannot guarantee that all information on this Site is current or error-free. You should verify coverage details directly with the relevant carrier before making any decisions.
5. Your Responsibilities
When using our Site or services, you agree to:
- Provide accurate and complete information in any forms or consultations.
- Use the Site only for lawful purposes.
- Not attempt to interfere with, hack, or disrupt the Site or its services.
- Not misrepresent your identity or eligibility for any insurance product.
Providing false or misleading information may result in denial of coverage, policy cancellation, or legal consequences under applicable state and federal law.
6. Intellectual Property
All content on this Site — including text, graphics, logos, and design — is the property of Castro Coverage or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from any content on this Site without our express written permission.
7. Third-Party Links and Carriers
Our Site may link to third-party websites, including insurance carrier portals. These links are provided for your convenience only. Castro Coverage has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party sites. Accessing third-party sites is at your own risk.
8. Limitation of Liability
To the fullest extent permitted by law, Castro Coverage and its advisors shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this Site or reliance on any information provided herein, including but not limited to loss of coverage, out-of-pocket costs, or medical expenses.
Our total liability to you for any claim arising from use of this Site or our services shall not exceed the fees, if any, paid by you to Castro Coverage.
9. Indemnification
You agree to indemnify and hold harmless Castro Coverage, its advisors, and affiliates from any claims, damages, or expenses (including reasonable legal fees) arising from your violation of these Terms, your use of the Site, or your provision of inaccurate information.
10. Privacy
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Site, you consent to the data practices described in the Privacy Policy.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-law provisions. Any disputes arising from these Terms or your use of our services shall be resolved in the courts located in Florida.
12. Contact Us
If you have any questions about these Terms of Service, please contact us at:
Castro Coverage
Email: christophercastrohealth@gmail.com