Terms of Service

1. Agreement to Terms

By accessing or using TMH Group's website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services.

2. Description of Services

TMH Group operates as a marketing and facilitation company that supports licensed professionals in offering voluntary ACA Marketplace programs. Our services include:

• Connecting employers with licensed insurance professionals
• Facilitating enrollment in ACA Marketplace coverage
• Providing educational resources about healthcare benefit options
• Supporting licensed professionals in worker enrollment processes

3. Important Disclaimers

All insurance sales, enrollment, and servicing are conducted by independent licensed insurance professionals. Premium collection and remittance are handled by independent third-party administrators.

4. Safety and Compliance Notice

5. User Responsibilities

By using our services, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of any account credentials
• Comply with all applicable laws and regulations
• Not use our services for any unlawful purpose
• Not attempt to interfere with the proper functioning of our services

6. Intellectual Property

The content, features, and functionality of our website and services are owned by TMH Group and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

7. Third-Party Links and Services

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of service of any third-party sites. Your use of third-party services is at your own risk.

8. Limitation of Liability

To the maximum extent permitted by law, TMH Group shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services. This includes, but is not limited to, damages for loss of profits, data, or other intangible losses.

9. Indemnification

You agree to indemnify, defend, and hold harmless TMH Group, its officers, directors, workers, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of our services or violation of these Terms of Service.

10. Termination

We reserve the right to terminate or suspend your access to our services at any time, without prior notice or liability, for any reason, including if you breach these Terms of Service.

11. Modifications to Services

We reserve the right to modify, suspend, or discontinue any part of our services at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of our services.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising from these terms shall be resolved in the appropriate courts.

13. Changes to Terms

We reserve the right to update or modify these Terms of Service at any time. We will notify you of any changes by posting the new Terms of Service on this page and updating the "Last Updated" date. Your continued use of our services after any changes constitutes acceptance of the new terms.

14. Severability

If any provision of these Terms of Service is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms of Service shall otherwise remain in full force and effect.

15. Entire Agreement

These Terms of Service constitute the entire agreement between you and TMH Group regarding the use of our services and supersede any prior agreements between you and TMH Group.

16. Contact Information

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