Legal

Terms of Service

Last updated: [DATE]

Template — not yet in effect. These are starter terms for a business-to-business software service. They must be reviewed and adapted by a qualified attorney before launch.

1. Agreement

These Terms govern access to and use of Choice Arrangement Deck (the “Service”), operated by [LEGAL ENTITY NAME] (“we,” “us”). By using the Service on behalf of a brokerage or agency (“Customer”), you agree to these Terms and confirm you are authorized to bind the Customer.

2. The Service

The Service helps licensed health insurance professionals analyze CHOICE Arrangement (ICHRA) affordability using public government data and the information Customers provide, and generate proposals. Features may change over time, and some features may be offered in early access or beta form.

3. Not advice; professional responsibility

Results are estimates based on public data and Customer inputs. The Service does not provide tax, legal, or insurance advice and does not determine eligibility, premiums, or penalties. Customers are responsible for their recommendations to employers, for verifying results, and for complying with licensing and other laws that apply to them. Employers should rely on their own tax and legal advisors.

4. Customer data

  • Customers keep ownership of the data they upload, including Census Data.
  • Customers grant us the rights needed to process that data to provide the Service, as described in our Privacy Policy.
  • Customers must have the right to share the data and must not upload information the Service does not require, such as employee names or Social Security numbers.

5. Acceptable use

Customers will not misuse the Service, including by attempting unauthorized access, interfering with its operation, reverse engineering it except as permitted by law, reselling it without permission, or using it in violation of law.

6. Accounts

Customers are responsible for their users and for keeping login credentials secure, and must notify us promptly of any unauthorized use.

7. Fees and billing

Paid plans are billed in advance on a [monthly or annual] basis at the prices shown at sign-up. [Describe free trials, renewals, cancellation, refunds, and taxes.]

8. Branding and proposals

Customers may add their own logos and branding to proposals and are responsible for having the right to use them. Customers may share proposals generated by the Service with their clients.

9. Third-party data

The Service uses public data published by government agencies, including CMS, HUD, the U.S. Census Bureau, the IRS, and HHS. We do not control that data and are not responsible for errors in it. We are not affiliated with or endorsed by any government agency.

10. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.

11. Limitation of liability

TO THE EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, AND OUR TOTAL LIABILITY WILL NOT EXCEED [THE FEES PAID IN THE 12 MONTHS BEFORE THE CLAIM].

12. Term and termination

Either party may terminate as described in the Customer's plan. On termination, Customer data will be deleted in accordance with the Privacy Policy.

13. Governing law

These Terms are governed by the laws of [STATE], without regard to conflict-of-laws rules. [Venue / dispute resolution.]

14. Changes

We may update these Terms. Material changes will be communicated to Customers before they take effect.

15. Contact

Questions about these Terms: use our contact form .