Terms of Use

Acceptance of These Terms

By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use this website.

Informational Purpose Only

The content on this website is provided for general educational and informational purposes. It is not insurance advice, legal advice, tax advice, or financial advice, and it is not an offer to sell or a solicitation to buy any specific insurance product in any jurisdiction where such an offer would not be permitted.

Insurance availability, eligibility, pricing, benefits, and coverage vary by applicant, carrier, plan, and location. Nothing on this website guarantees coverage, approval, pricing, or benefits.

No Insurance Policy Is Created

Submitting a form on this website does not create an insurance policy, does not bind coverage, and does not enroll you in any plan. Coverage becomes effective only after an application is approved by the applicable insurance carrier and all of that carrier's requirements have been satisfied.

Accuracy of Information You Provide

You agree that the information you submit is accurate and that you are authorized to submit it. Quotes and coverage discussions are only as accurate as the information provided.

Third-Party Links and Services

This website may link to third-party websites or embed third-party scheduling tools. We are not responsible for the content, accuracy, or privacy practices of third parties.

Intellectual Property

The content, design, and materials on this website are owned by Palmer Health & Life or used with permission, and may not be reproduced without permission. Compass Health Consultants trademarks are the property of Compass Health Consultants.

Limitation of Liability

To the fullest extent permitted by law, Palmer Health & Life is not liable for any indirect, incidental, or consequential damages arising from your use of this website. [TODO: This clause must be reviewed and finalized by an attorney licensed in Missouri.]

Governing Law

These Terms are governed by the laws of the State of Missouri. [TODO: Confirm with an attorney.]

Changes to These Terms

We may update these Terms from time to time. Continued use of the website after changes are posted constitutes acceptance of the updated Terms.

Contact

Questions about these Terms may be directed to Dpalmer@chcagents.com.