Terms of Use

📧 support@smartacasolutions.com

Welcome to Smart ACA Solutions. These Terms of Use govern your access to and use of our website, services, and tools. By using our Services, you agree to comply with these Terms.

If you do not agree to these Terms, please discontinue use of our Services.

1. Acceptance of Terms

By accessing or using our Services, you confirm that you are at least 18 years old or the age of majority in your jurisdiction. Your use of our Services constitutes your acceptance of these Terms, including any referenced policies.

2. Changes to Terms

We reserve the right to update or modify these Terms at any time. Any changes will be effective immediately upon posting to our website. Your continued use of our Services after such changes constitutes acceptance of the revised Terms. We encourage you to review them regularly.

3. Description of Services

Smart ACA Solutions provides tools and information related to Affordable Care Act (ACA) health coverage. While we aim to offer accurate and current information, we do not guarantee that all content is error-free, up-to-date, or applicable to your specific needs.

4. No Professional Advice

The content on our website is for informational purposes only and does not constitute professional, legal, or financial advice. Always consult a licensed insurance agent, healthcare provider, or qualified expert before making decisions regarding health coverage.

5. User Responsibilities

• Account Security: If you create an account, you are responsible for maintaining its confidentiality and security.
• Accurate Information: You agree to provide truthful and up-to-date information when using our Services.
• Prohibited Conduct: You may not:
  • Use our Services for illegal or fraudulent activities.
  • Impersonate another person or misrepresent your identity.
  • Introduce viruses, malware, or any harmful code.

6. Intellectual Property

All content on Smart ACA Solutions, including text, graphics, logos, and software, is owned by us or our licensors and is protected by intellectual property laws. You may not copy, distribute, or modify our content without explicit permission.

7. Third-Party Links

Our Services may contain links to third-party websites or resources. We are not responsible for their content, policies, or any damages resulting from your use of such external sites.

8. Disclaimer of Warranties

We provide our Services “as is” and “as available” without any warranties, express or implied. We do not guarantee uninterrupted, error-free service or protection from security threats.

9. Limitation of Liability

To the fullest extent permitted by law, Smart ACA Solutions and its affiliates are not liable for any direct, indirect, incidental, or consequential damages arising from your use of our Services.

10. Indemnification

You agree to indemnify and hold Smart ACA Solutions, its affiliates, officers, employees, and agents harmless from any claims, losses, damages, or liabilities resulting from your use of our Services or violation of these Terms.

11. Governing Law & Jurisdiction

These Terms are governed by the laws of the United States, without regard to conflict of law principles. Any disputes arising from these Terms shall be resolved in the appropriate courts within the United States.

12. Termination of Use

We reserve the right to suspend or terminate your access to our Services at any time, with or without notice, if we believe you have violated these Terms. Provisions regarding intellectual property, indemnification, and liability limitations shall survive termination.

13. Contact Information

If you have any questions about these Terms, please contact us at:

📧 support@smartacasolutions.com

14. Entire Agreement

These Terms, along with our Privacy Policy, constitute the full agreement between you and Smart ACA Solutions regarding your use of our Services. Any failure by us to enforce any provision shall not be deemed a waiver of future enforcement rights.