Terms of Use

The following terms and conditions (“Terms of Use”) govern your use of the services provided through obamacare-application.org (collectively, the “Site”). By accessing or using the Site, including requesting insurance quotes, calling our toll-free number, asking us to contact you by phone, signing up to receive updates via email, or through any other means we provide, you agree to comply with these Terms of Use. If you do not agree to these Terms of Use, you may not use the Site. The terms “we,” “us,” or “our” refer to Bytelab Solutions LLC and its subsidiaries and affiliates.

Our Services

Obamacare-application.org allows you to obtain insurance quotes from various carriers and service providers. By providing us with your insurance requirements, we attempt to match you with suitable options and provide links to further information or applications. While we offer information about insurance, we do not provide financial or tax advice. We cannot guarantee that any insurance application will be approved, or that any carrier or service provider will consider your application or reach out to you. We are not responsible for the actions of the insurance carriers and other companies whose products may be displayed on the Site. Insurance policies are subject to the terms and conditions set forth by the insurance providers, and we have no control over these terms. While we strive to provide accurate and up-to-date information about insurance products, this information is provided without any guarantees or warranties. Once you select a link to an insurance carrier or service provider, you will be redirected to their site where you can review their terms and conditions.

Access to Our Site

You may use the Site only if you reside in the United States and are at least 14 years old. We reserve the right to modify, suspend, or discontinue any part of the Site at any time, for any reason, without notice. We may also impose limits on certain features or restrict access to parts or all of the Site without notice or liability. The use of the Site is free of charge for users. We may receive compensation from insurance carriers or other companies advertising on the Site.

User Data and Consent to Contact

During your use of the Site, you may be asked to provide information or materials (“User Data”). User Data includes information you provide when requesting insurance quotes. Our collection and use of User Data are governed by our Privacy Policy, which is incorporated into these Terms of Use. Please review our Privacy Policy before submitting any User Data. You are responsible for the accuracy and content of the User Data you provide. We are not responsible for maintaining any User Data you provide and may delete or destroy such data at any time. We reserve the right to refuse to post or remove any User Data that we determine, in our sole discretion, is unlawful, inappropriate, or violates these Terms of Use.

By providing your contact information through the Site, you consent to receive communications from us directly, via our website, or through third parties. We may send you newsletters and promotional emails periodically. We may also contact you by phone using automated dialing systems, pre-recorded messages, or interactive voice response systems. If you wish to stop receiving these communications, you can unsubscribe by following the instructions in the emails or by contacting Customer Care at info@bytelabshealth.com.

Proprietary Rights

The Site and any software used in connection with the Site contain proprietary and confidential information protected by intellectual property laws. You acknowledge that information and materials on the Site are protected by copyrights, trademarks, service marks, patents, or other proprietary rights. Except as permitted by law or authorized by us, you agree not to modify, sell, distribute, transmit, broadcast, publicly perform, or create derivative works based on the Site. Commercial use of the Site, or any part of it, is strictly prohibited.

Bytelab Solutions LLC grants you a personal, non-transferable, and non-exclusive license to use the Site on a computer or other Internet device, provided you do not (and do not allow others to) copy, reproduce, distribute, reverse engineer, or exploit any content, code, data, or materials on the Site. You agree not to modify the Site or use modified versions of the Site for any purpose. We do not grant any license or authorization to use our trade names, trademarks, service marks, or logos without our express written consent. Third-party marks are the property of their respective owners.

Any questions, comments, suggestions, or materials submitted to us through the Site become our sole property. We will own all rights in such materials and have the unrestricted right to use, publish, and disseminate this information without attribution or compensation.

DISCLAIMER OF WARRANTIES

The information and services on the Site are provided “as is” for informational purposes only. We make no representations or warranties that the Site will meet your needs, or that it is complete, timely, reliable, or free from errors or inaccuracies. We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be error-free or free of viruses or harmful code.

LIMITATION OF LIABILITY

IN NO EVENT SHALL BYTELAB SOLUTIONS LLC, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS (COLLECTIVELY, THE “PROTECTED ENTITIES”) BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO THE USE OF, OR INABILITY TO USE, THE SITE AND THE SERVICES OFFERED, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED FIVE DOLLARS ($5.00). SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU DO NOT AGREE WITH THESE TERMS, YOUR SOLE REMEDY IS TO DISCONTINUE USE OF THE SITE.

External Links

We provide links to other websites for informational purposes only. We are not responsible for the accuracy or availability of information on these external sites. The presence of links does not imply endorsement or association with these sites or their content, products, or services. You acknowledge that we are not responsible for any damage or loss caused by or in connection with your use of or reliance on content, goods, or services available on these sites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites.

Changes to Terms of Use

These Terms of Use may be updated from time to time and such changes will be effective upon posting to the Site. Your continued use of the Site following any changes signifies your acceptance of the new Terms of Use.

Governing Law

The Site and these Terms of Use are governed by the laws of the State of California, without regard to its conflict of laws principles. Any dispute arising from your use of the Site will be resolved exclusively in the state or federal courts located in California. If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions will continue to be valid and enforceable. Any claim or cause of action related to the use of the Site or these Terms of Use must be filed within one (1) year after the claim arose or be forever barred.