Terms of Service
Effective Date: November 5, 2024
1. ACCEPTANCE OF TERMS
Use of this website constitutes acceptance of these Terms of Service. Access should cease immediately upon disagreement. By submitting information or requesting services, users affirm age 18 or older and acknowledgment of these terms.
2. OWNERSHIP AND NATURE OF SERVICES
This website is operated by Douglas Wynn, Licensed Healthcare Agent, NPN 7081783 (“Provider”).
Services consist of assistance with Affordable Care Act (ACA) health insurance enrollment, eligibility review, and plan selection. No guarantees are made regarding plan availability, pricing, subsidies, or carrier acceptance. Coverage decisions remain subject to carrier underwriting and marketplace rules.
This website is not affiliated with or endorsed by the U.S. Government or any federal or state marketplace.
3. NO AGENCY OR PLATFORM REPRESENTATION
This website does not function as a marketplace, broker network, or referral platform. Health insurance services are provided directly by Douglas Wynn, acting in a licensed individual capacity, or by authorized insurance carriers where applicable.
4. SMS, CALL, AND TCPA CONSENT
By providing a telephone number, users expressly consent to receive calls or text messages related to health insurance enrollment, application status, or plan information, including use of automated dialing technology where permitted by law.
• Opt-Out: Reply STOP
• Assistance: Reply HELP
• Message and data rates may apply
• Consent is not a condition of purchase
Messaging services may be delivered through third-party providers compliant with TCPA and A2P 10DLC requirements.
5. LIMITATION OF LIABILITY
Information is provided “as-is” without warranties of any kind. No liability is assumed for errors, omissions, coverage determinations, or enrollment outcomes. Users assume responsibility for decisions made based on information provided.
6. THIRD-PARTY LINKS
External links may be provided for convenience. No responsibility is assumed for third-party content, availability, or privacy practices.
7. INTELLECTUAL PROPERTY
All site content, text, branding, and design elements are protected intellectual property. Unauthorized reproduction, redistribution, or commercial use is prohibited.
8. GOVERNING LAW
These Terms shall be governed by the laws of the State of Georgia, without regard to conflict-of-law principles. Jurisdiction shall lie in courts of competent authority therein.
9. MODIFICATIONS
Terms may be updated periodically. Continued use following updates constitutes acceptance of revised terms.
10. CONTACT INFORMATION
Douglas Wynn
Licensed Healthcare Agent
NPN 7081783
Email: douglas@careoptionspro.com
Phone: 1-855-976-2262
11. DISCLAIMER
This website provides informational assistance related to health insurance enrollment and does not offer legal, tax, or financial advice.
