Terms of Service

1. Acceptance of Terms

Welcome to USA Health Plans, a brand owned and operated by RevX Insurance LLC in partnership with Balance Benefits Group (where applicable). These Terms of Service ("Terms") govern your use of our website and health insurance quote services. By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

Important Note: USA Health Plans is a brand of RevX Insurance LLC in partnership with Balance Benefits Group (where applicable). We are not affiliated with any government agency and are a privately owned lead generation service.

2. Description of Services

RevX Insurance LLC in partnership with Balance Benefits Group (where applicable), doing business as USA Health Plans, is a lead generation platform that connects consumers with licensed insurance agents, brokers, and insurance companies. We provide:

• Health insurance quote comparison tools
• Educational resources about health insurance options
• Connections to licensed insurance professionals
• Customer support and guidance

Important: We are not an insurance company and do not sell insurance directly. We are not a government entity or affiliated with any government agency. All insurance products and services are provided by licensed third-party insurance professionals.

3. Eligibility and Registration

To use our services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Provide accurate and complete information
• Have the legal capacity to enter into binding agreements

You agree to provide truthful, accurate, and complete information when using our services and to update such information as necessary.

4. User Responsibilities

When using our services, you agree to:

• Provide accurate personal and health information
• Use our services only for lawful purposes
• Not interfere with or disrupt our services
• Not attempt to gain unauthorized access to our systems
• Respect the intellectual property rights of others
• Comply with all applicable laws and regulations

5. Lead Generation and Sharing

By submitting your information through our platform, you expressly consent to:

• Being contacted by licensed insurance agents and brokers
• Receiving quotes and information about insurance products
• Having your information shared with RevX Insurance LLC in partnership with Balance Benefits Group (where applicable)'s insurance partners and marketing affiliates
• Being contacted via phone, email, or text message

You understand that submitting a request does not guarantee coverage or specific pricing, and that final terms are determined by the insurance providers.

6. Third-Party Services

Our platform connects you with third-party insurance professionals and companies. We do not control these third parties and are not responsible for:

• The quality or accuracy of their services
• Their business practices or policies
• The terms of any insurance policies they offer
• Any disputes between you and third-party providers

Your relationship with these third parties is governed by their own terms and conditions.

7. Disclaimers and Limitations

No Insurance Advice

We do not provide insurance advice, recommendations, or counseling. All information on our platform is for educational purposes only. You should consult with licensed insurance professionals for specific advice.

No Guarantee of Coverage

We cannot guarantee that you will qualify for any particular insurance coverage or pricing. Final eligibility and terms are determined by insurance providers based on their underwriting criteria.

Service Availability

We strive to maintain continuous service availability but cannot guarantee uninterrupted access. We reserve the right to modify, suspend, or discontinue services at any time.

8. Limitation of Liability

To the fullest extent permitted by law, RevX Insurance LLC in partnership with Balance Benefits Group (where applicable) and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data or information
• Business interruption
• Personal injury or property damage
• Decisions made based on information from our platform

Our total liability shall not exceed the amount you paid for our services, if any.

9. Indemnification

You agree to indemnify, defend, and hold harmless RevX Insurance LLC in partnership with Balance Benefits Group (where applicable) and its affiliates from any claims, damages, losses, or expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights
• Any false or misleading information you provide

10. Intellectual Property

All content on our platform, including text, graphics, logos, and software, is the property of RevX Insurance LLC in partnership with Balance Benefits Group (where applicable) or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

11. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our privacy practices as described in the Privacy Policy.

12. Termination

We may terminate or suspend your access to our services at any time, with or without cause or notice. You may stop using our services at any time. Upon termination, your right to use our services will cease immediately.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the United States and the state in which RevX Insurance LLC in partnership with Balance Benefits Group (where applicable) is incorporated, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the new Terms.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect. The unenforceable provision will be replaced with an enforceable provision that most closely reflects our intent.

16. Contact Information

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

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and RevX Insurance LLC in partnership with Balance Benefits Group (where applicable) regarding your use of our services and supersede all prior agreements and understandings.