This Insured Ameri Platform Agreement is made between Insured Ameri (“Insured Ameri” or “we”) and the person or entity registering to use the services provided by Insured Ameri (“you”). It governs your access and use of products or services provided by Insured Ameri or its partners. Insured Ameri and you are each referred to as a “Party” and collectively as the “Parties”. This Platform Agreement is effective when you submit to open your account with Insured Ameri (“Effective Date”) and remains in effect for the term specified below.

The Insured Ameri Platform Terms (“Platform Terms”) apply to your access and use of the products or services provided by Insured Ameri or its partners. The Platform Terms incorporate additional agreements, terms, and policies, including the Consumer Deposit Account Agreement and Debit Cardholder Agreement and any other agreements between you and financial partners (collectively, the “Financial Partner Agreements”), and the Acceptable Use Policy (“Acceptable Use Policy”). The Platform Terms are incorporated into the Member Agreement, Employer Agreement, and Partner Agreement (each, a “User Agreement”). Any breach of these Platform Terms also constitutes a breach of the applicable User Agreement.

Additionally, you acknowledge Insured Ameri’s Privacy Policy (“Privacy Policy”). Insured Ameri and you are each referred to as a “Party” and collectively as “Parties” throughout. The Parties agree to the following:

1. Overview

User Agreements govern use of online services provided through Insured Ameri and its affiliates, third-party administration of Healthcare Payments Accounts such as Individual Coverage Health Reimbursement Arrangements (ICHRAs), access and use of a marketplace for Individual Plans, and the platform for Brokers and benefits consultants to support Employers and Members using Insured Ameri’s Services. Third-party administration services are provided by Insured Ameri. Insurance brokering services are provided by Insured Ameri Insurance Services, LLC.

1. Definitions

“ACA” means the Patient Protection and Affordable Care Act of 2010.

“Advance” means any payment made by Insured Ameri or its affiliates on behalf of an Employer, Member, or Partner before receiving corresponding funds from that party.

“Applicable Rules” mean any federal or state laws, regulations, orders, or rules including those promulgated by the Internal Revenue Service (IRS), the Department of Health and Human Services (HHS), the Centers for Medicare & Medicaid Services (CMS), and the Department of Labor (DOL) that govern the use of Healthcare Payments Accounts, the tax treatment of Qualified Medical Expenses, and healthcare benefits. Information regarding Applicable Rules may be found in both public sources and in Healthcare Notices.

“Authorized Person” means an individual designated by a user of an Insured Ameri Account to act on behalf of that user in managing their Insured Ameri Account.

“Brokerage” means a business that is licensed to transact insurance and that employs or contracts with individual Brokers.

“Brokerage Affiliation” is a formal business relationship between a Broker and Brokerage wherein a Broker is authorized to transact insurance products and services under the Brokerage’s name and Carrier appointment agreements.

“Broker” means a person or entity that advises or arranges the purchase of an Insurance Plan on behalf of a Member and holds an insurance broker license in at least one state.

“Broker Services” means evaluating Members’ insurance needs and recommending insurance policies, assisting Members with applications and enrollment processes to purchase insurance policies, communicating with Carriers on behalf of Members, and engaging in any other licensed or regulated activities commonly performed by professional Brokers.

“Cafeteria Plan” means a written plan maintained by an Employer that meets the requirements of Section 125 of the Internal Revenue Code.

“Carrier” means the insurance company that offers or maintains Insurance Plans. Without limiting the foregoing but for clarification, Insured Ameri is not a Carrier and does not control Carriers’ actions or inaction with respect to Insurance Plans.

“COBRA” means the Consolidated Omnibus Budget Reconciliation Act of 1985.

“Commission” means amounts earned by Brokers from Carriers for selling Insurance Plans or assisting individuals enrolling in Insurance Plans.

“Content” means any data, images, videos, or other informational media provided through the Services.

“Credentials” means usernames, passwords, or other identifiers used to authenticate you when using an Insured Ameri Account.

“Dependent” means a spouse, domestic partner, child, qualified relative, or other individual that qualifies as a dependent under the applicable Healthcare Payments Accounts.

“Employee” means any employee of the Employer, regardless of whether they create a Healthcare Payment Account on Insured Ameri.

“Employer” means an employer that sponsors health benefits using Insured Ameri.

“Employer Account” is an Insured Ameri Account used by an Employer to offer Healthcare Payments Accounts to Members and to manage reimbursements for healthcare premiums and other Qualified Medical Expenses.

“ERISA” is the Employee Retirement Income Security Act of 1974.

“Exchange” means a state or federally facilitated health insurance marketplace.

“Fees” means any platform fees, transactional costs, and expenses that you incur through use of your Insured Ameri Account and services provided under the Platform Terms or your User Agreement.

“Financial Account” means the bank or other financial account used for funding payment of Fees and other costs or for receiving refunds and other payouts. For Employers, this includes accounts used to fund Healthcare Payments Accounts for Members. For Members, this includes accounts used to cover costs or expenses for transactions not covered by funds in Healthcare Payments Accounts, where available. For Partners, this includes accounts for receiving payments earned on Insured Ameri’s platform.

“Individual Plan” is an Insurance Plan purchased by an individual or family and not through an Employer. Individual Plans may be purchased through an Exchange, through Insured Ameri, or directly from a Carrier.

“Insurance Plan” is a health, dental, or vision plan offered by a Carrier that includes but is not limited to point of service (POS) or high deductible health plans (HDHP), and plans offered by exclusive provider organizations (EPO), health maintenance organizations (HMO), or preferred provider organizations (PPO).

“Healthcare Contribution Amounts” are amounts that Employers agree to contribute to Healthcare Payment Accounts for the benefit of Members.

“Healthcare Notices” are documents furnished to Members in their Insured Ameri Account dashboards or by email that define eligibility, contribution, spending, or reimbursement limits applicable under specific Healthcare Payments Accounts.

“Healthcare Payments Accounts” are Individual Coverage Health Reimbursement Arrangements (ICHRAs), health savings accounts (HSAs), and other benefit plans that allow Members and Dependents to pay for healthcare or Qualified Medical Expenses. For Employees offered ICHRAs, Healthcare Payments Accounts include a Cafeteria Plan. Healthcare Payments Accounts are not Insurance Plans but may be used by Members to pay for Insurance Plans where permitted. ICHRAs are employer-funded health benefit programs that reimburse or pay for insurance premiums and other Qualified Medical Expenses up to the Member’s Healthcare Contribution Amounts.

“Member” means an Employee that elects to participate in Healthcare Payments Accounts through Insured Ameri. Dependents are not Members.

“Member Account” is an Insured Ameri Account used by a Member for managing their Healthcare Payments Accounts, paying for Individual Plans, managing sources of payment, and managing personal and contact information.

“Partner” means a person or entity that helps Employers or Members manage their Insured Ameri Accounts or their Healthcare Payments Accounts. Partners may be but are not necessarily Brokers.

“Partner Account” is an Insured Ameri Account used by a Partner to manage aspects of Member Accounts and Employer Accounts.

“PCORI” means the Patient-Centered Outcomes Research Institute.

“Qualified Medical Expenses” are expenses eligible for tax-free treatment under the applicable Healthcare Payments Account as specified or modified by the IRS.

“Qualifying Life Event” means any life event that may allow Members to enroll in or modify their Individual Plan outside of standard annual enrollment periods. Qualifying Life Events can include loss of job-based health coverage, changing residence or marital status, having or adopting a child, or a death in the family.

“Referral Fees” are amounts earned by a Broker, Partner, or another affiliate of Insured Ameri in exchange for referring Employers to use Insured Ameri for benefits administration.

“Reserve” means funds provided by you to be held as a security interest against existing or potential commitments to Insured Ameri or third parties including, as applicable, Carriers, Members, or Partners.

“Services” means Insured Ameri Services, Third-Party Offerings, Healthcare Payments Account administration, the Insured Ameri Marketplace, and other Insured Ameri products or services whether accessed directly, programmatically, or through a third party.

“Term Sheet” means any written agreement between Insured Ameri and a third party (not including the User Agreements) that sets forth the commercial terms of their relationship, including but not limited to order forms with Employers, referral agreements with Partners or Brokerages, and any other documents that supplement or modify the Platform Terms or User Agreements.

“Insured Ameri Account” means the online account created by an individual or entity to access and use Insured Ameri’s Services, which may be an Employer Account, Member Account, or Partner Account.

“Insured Ameri Card” means a virtual or physical payment card issued by Insured Ameri to Members to pay for healthcare premiums or Qualified Medical Expenses using Healthcare Payments Accounts.

“Insured Ameri Marketplace” means a web page hosted by Insured Ameri with Third-Party Offerings available for purchase by Members through our commercial partners.

“Insured Ameri Services” means products or services developed by and provided through Insured Ameri and expressly excludes all products or services developed by third parties including those that may be integral to the functioning of Insured Ameri products (such as payment services provided by banking partners or insurance products provided by Carriers).

“Third-Party Offerings” are any products or services provided by parties other than Insured Ameri including employee benefits providers, banking and payment services, payroll administrators, software platforms, Insurance Plans, or the Insured Ameri Marketplace.

“Taxes” means any taxes, fees, or assessments imposed by any governmental authority in connection with your use of the Services, Healthcare Payments Accounts, or payments made through your Insured Ameri Account.

3. Opening and Managing an Insured Ameri Account

A. Opening an Insured Ameri Account

You must create an Insured Ameri Account to access the Services. You can use your Insured Ameri Account to view and manage personal and contact information, to maintain or update your Credentials, to connect Financial Accounts, and to use Services.

Insured Ameri and its financial partners may request additional information to fulfill their legal requirements and may engage third-party service providers to verify this information. We may provide preliminary access to your Insured Ameri Account before all information is validated and we approve your Insured Ameri Account.

Insured Ameri may contact you regarding your Insured Ameri Account, Insured Ameri Card payments, Insurance Plan enrollments, or other transactions. We may contact you using the phone number, email address, and physical address that you provide to Insured Ameri. Any communications are subject to Section 12 (Electronic Signatures and Communications).

You must be at least 18 years old to consent to a User Agreement and to open an account.

B. Managing an Insured Ameri Account

You must keep all information in your Insured Ameri Account current, including contact information and Financial Accounts. For Employers, this includes keeping your Employee roster current. For Members, this includes adding and removing Dependents, recording all address changes, and making healthcare elections during the applicable enrollment windows. You must make any changes to your Insured Ameri Account information in a timely manner. You are responsible for any Fees, penalties, fines, or other amounts that third parties–including Carriers–assess as a result of your failure to keep your Insured Ameri Account current.

Insured Ameri will communicate important deadlines to you using either your Insured Ameri Account or the contact information that you provide to Insured Ameri in your Insured Ameri Account. You must abide by those deadlines when signing up for or using your Healthcare Payments Accounts.

C. Keeping your Insured Ameri Account Secure

You must keep your Credentials secure. Only you or those who are authorized to act on your behalf may access your Insured Ameri Account. We may rely on any actions taken using your Credentials or by Authorized Persons. We may offer tools to help keep your Credentials and Insured Ameri Account secure but it is up to you to take the steps that are necessary to secure the elements of your Insured Ameri Account within your control (such as how strong your password is and how and where you store it), which may include using tools or systems not provided by Insured Ameri (such as a password manager).

D. Healthcare Notices and Healthcare Payments Accounts

You must create an Insured Ameri Account before an Employer offers or a Member uses Healthcare Payments Accounts. The terms, conditions, eligibility criteria, and Healthcare Contribution Amounts associated with Healthcare Payments Accounts are defined in these Platform Terms, and the applicable User Agreements and Healthcare Notices. Employers must review and approve their Healthcare Notices before offering Healthcare Payments Accounts to Members. Members must review and accept their Healthcare Notices before utilizing Healthcare Payments Accounts. Employers and Members must each comply with the terms of their Healthcare Notices with respect to their Healthcare Payments Accounts.

Healthcare Payments Accounts are designed to enable tax-free spending on healthcare or other Qualified Medical Expenses consistent with Insured Ameri’s Services. You may not use funds in a way other than specified in the Healthcare Notices. You are responsible for all penalties, fines, or other amounts incurred that result from using funds or your Insured Ameri Account in any manner inconsistent with the Healthcare Notices.

4. Third-Party Offerings

You may access or use Third-Party Offerings through your Insured Ameri Account (including insurance policies and purchases made through the Insured Ameri Marketplace), but Insured Ameri does not control Third-Party Offerings and is not responsible for any loss or damage that may arise from your use of any Third-Party Offerings. Your use of any Third-Party Offerings is at your own risk and subject to any terms, conditions, or policies (including any privacy policies) applicable to Third-Party Offerings and Content, Services, and integrations.

5. Payment and Taxes

A. Fees

Fees for use of Insured Ameri Accounts are specified in contracts with employers and other partners as applicable, which may be updated upon 30 days’ notice through publication on the pricing page or in your Insured Ameri Account dashboard unless otherwise agreed upon in writing between you and Insured Ameri.

Insured Ameri does not control charges, pricing, or fees set by Partners or for Third-Party Offerings.

B. Debit Authorization

You authorize Insured Ameri to debit from Financial Accounts all amounts owed or committed under the Platform Terms, Healthcare Notices, User Agreements, and any other agreement between you and Insured Ameri. Such debits may include (a) Healthcare Contribution Amounts, (b) amounts owed to Employers, Members, or Partners, (c) amounts paid on Members’ behalf to third parties such as Carriers or Partners, (d) Fees, (e) Taxes, and (f) amounts for Advances or Reserves. Where debits from Financial Accounts are unsuccessful for any reason, including insufficient funds, we may attempt to re-debit Financial Accounts for amounts up to the full amount owed or committed.

For Automated Clearinghouse (ACH) direct debits from a US bank account, you also acknowledge that: (g) the Authorized Person is authorized to permit Insured Ameri to initiate debits from Financial Accounts and (h) Insured Ameri is authorized to debit from all amounts owed or committed under the Platform Terms, Healthcare Notices, and User Agreements from Financial Accounts.

This debit authorization from your Financial Accounts will remain in full force and effect until all amounts owed or committed under the Platform Terms, User Agreements, and Healthcare Notices are paid in full. You waive all rights to revoke this authorization to the fullest extent permitted by law, even where your agreement with your financial institution or the payment network rules (including the NACHA rules) may provide you the right to do so.

C. Advances and Reserves

Insured Ameri may make Advances to third parties on your behalf where funds committed or owed by you are not immediately available. The terms of the Advance depends on the type of the related Insured Ameri Account. Advances may include but are not limited to payments to Carriers on behalf of Members and reimbursements to Members on behalf of Employers. Any Advances made by Insured Ameri are immediately due and payable by you and may be collected from Financial Accounts. The foregoing does not limit your responsibility for payment for Advances or any other commitments.

Insured Ameri may require that you provide a Reserve as a condition of use or continued use of Services. If required, we will determine and communicate the amount of the Reserve in advance of debiting your Financial Account. Amounts held in a Reserve may be used to satisfy any of your financial obligations under the Platform Terms, User Agreements, or Healthcare Notices.

D. Taxes

Insured Ameri may provide general information related to the tax implications of Healthcare Payments Accounts but Insured Ameri does not provide tax or legal advice. You are solely responsible for seeking appropriate advice from tax professionals who understand your circumstances and for payment of Taxes. Fees owed to Insured Ameri are exclusive of Taxes and will not constitute any portion of Taxes you may owe.

6. Insured Ameri Marketplace

While Insured Ameri does not offer an Insured Ameri Marketplace as of the date of these Platform Terms, Members may in the future have access to an Insured Ameri Marketplace where they can shop for products and services, which are Third-Party Offerings. Third-Party Offerings discoverable on Insured Ameri Marketplace may be purchased directly through the Insured Ameri Marketplace, through other merchants’ websites, or through third-party websites. Insured Ameri does not control and is not responsible for the content on merchants’ websites; and Insured Ameri is not responsible for your purchase, use, or misuse of Third-Party Offerings nor for any errors or failures of Third-Party Offerings.

INSURED AMERI DISCLAIMS ALL LIABILITY ARISING FROM OR RELATED TO YOUR USE OF THIRD-PARTY OFFERINGS PURCHASED, DOWNLOADED, OR ACCESSED THROUGH THE INSURED AMERI MARKETPLACE.

We do not recommend or require specific Third-Party Offerings but may make discounts or other benefits available through the Insured Ameri Marketplace. Insured Ameri may receive a fee from merchants when purchases are initiated on the Insured Ameri Marketplace. Purchases, fulfillments, returns, and refunds of any products or services made through the Marketplace are managed exclusively by the merchants.

7. Support Services

A. Support for Your Insured Ameri Account; Disclaimer

Insured Ameri provides assistance to questions that you pose to us regarding your Insured Ameri Account or Services (“Support”). Support may be computer-assisted or -generated, including AI-generated. You can contact us at any time at info@insuredameri.com or through any other tools that we make available to you in your Insured Ameri Account.

While Insured Ameri may provide assistance in navigating insurance questions or your relationship with Carriers, we do not guarantee and fully disclaim all responsibility for outcomes based on this assistance. Members are solely responsible for the selection of Insurance Plans, disputes with Carriers, questions of specific coverage made by Carriers, decisions related to payment of medical expenses, and the tax consequences of their healthcare elections.

B. Insured Ameri Does Not Provide Medical Advice

Insured Ameri does not offer medical advice or diagnoses, or engage in the practice of medicine, and Services are not a substitute for professional medical advice, diagnosis, or treatment. Only medical professionals can determine the right course of treatment and advise what is safe, appropriate, and effective based on a person’s needs. Members are solely responsible for engaging medical professionals as appropriate for themselves and for their medical decisions or actions, including choices to elect or waive treatment.

C. Emergency Services

Services provided by Insured Ameri are not a substitute for emergency care. If you have a medical or mental health emergency, are contemplating suicide or taking actions that may cause harm to you or others, you should seek immediate emergency treatment at the nearest emergency room or call 911.

8. Closing Your Insured Ameri Account

When and how to close your Insured Ameri Account will depend on the type of Insured Ameri Account you maintain with details included in your specific User Agreement. When you close your Insured Ameri Account you are still responsible for all amounts owed under the Platform Terms, User Agreements and your Healthcare Notices, which may be debited from your Financial Account or collected in any manner specified by another agreement between you and Insured Ameri.

9. Privacy and Use of Data

Insured Ameri uses data submitted to us to provide Services to you. You acknowledge our use of personally identifiable information (“PII”) as disclosed in the Privacy Policy. PII may include protected health information (“PHI”) and we comply with the Health Insurance Portability and Accountability Act (“HIPAA”) as applicable to us. Depending on the type of Insured Ameri Account you have, Insured Ameri may require you to enter a Business Associate Agreement with Insured Ameri in order to access PHI. We do not use or disclose PHI to third parties except as directed or as permitted or required by law. We encourage you to take appropriate steps to prevent the unauthorized use or disclosure of PHI, including by ensuring that PII is properly stored and secured, and educating Members on proper handling of their PII.

PII may be shared with your Broker to identify and purchase Insurance Plans on your behalf, manage changes to your Plans, and otherwise provide you services. Any use or handling of PII by Brokers is subject to their respective privacy policies.

We may also use information provided or processed on an anonymized or aggregated basis to provide and improve our Services, analyze performance, and produce reporting related to use Services and Content.

After your Insured Ameri Account is closed, Insured Ameri may retain limited information about your account that may include PII or PHI for compliance and tax reporting purposes. You acknowledge that the Privacy Policy and Applicable Rules apply to any PII we retain even after your Insured Ameri Account is closed.

10. Intellectual Property

Insured Ameri owns and retains all rights to its intellectual property including patents, copyrights, trade or service marks, and trade secrets that may be included in or provided as part of Services and Content. You may only use Insured Ameri’s intellectual property in the context of using Services and Content as permitted by the Platform Terms. Other use is prohibited and no right of use or license to use Insured Ameri intellectual property for other purposes is provided under the Platform Terms, nor do any implied licenses exist.

11. Term and Termination

A. Term

The User Agreements will remain in effect from the Effective Date until they are terminated by you or us as provided in this section.

B. Termination

Unless the Parties agree to a notice or termination period in a separate agreement, amendment, or Term Sheet signed by both Parties, you may terminate your User Agreement at any time by closing your Insured Ameri Account, settling any outstanding financial obligations, and ceasing to use Services. Even if you terminate, Healthcare Contribution Amounts, commitments made in Healthcare Notices, and other terms in the User Agreements may survive the termination of the User Agreement or closing of your Insured Ameri Account.

We may terminate your User Agreement upon 90 days’ notice to you except where required to terminate sooner by law or legal order. In addition, either you or we may terminate your User Agreement if the other Party has breached the User Agreement by providing notice of breach, and notice will be effective 15 days after notice is received if the breach is curable or immediately upon receipt if the breach is not curable.

The following sections, subsections, and provisions of the Platform Terms will remain effective even after termination of the User Agreement: 5 (Payments and Taxes), 6 (Insured Ameri Marketplace), 7 (Support Services), 8 (Closing Your Insured Ameri Account), 9 (Privacy and Use of Data), 10 (Intellectual Property), 11.B (Termination), 12 (Electronic Signatures and Communications), 13 (Dispute Resolution), 14 (Warranties, Disclaimer, Limits on Our Liability, Indemnity), 15 (Notices), 16 (Additional Legal Terms), and any provisions or conditions that must survive to fulfill their essential purpose.

12. Electronic Signatures and Communications

A. Electronic Signatures

You consent to the use of electronic signatures to consent to agreements or amendments; to approve purchases, billing, or debiting Financial Accounts or Reserves; to receive, accept, or waive Healthcare Notices or adopt Healthcare Payments Accounts related to Services; to receive tax forms and other reporting documentation related to the Services; and for other transactional purposes related to these Platform Terms or the Services.

You acknowledge that electronic signatures are subject to the E-SIGN Act.

B. Communications regarding your Account, Email and Text Messages

We may communicate with you through your Insured Ameri Account dashboard, email, phone, text or SMS, video conference, or physical mail.

Where a phone number is provided, you consent to receive communications from us via text, SMS, or voice call, including communications through the use of automated phone dialing systems, to each phone number you provide to us. For Employer Accounts, this includes the phone numbers of Authorized Persons. You may add or change the phone numbers provided, but you authorize and consent to receive communications on each phone number you provide. You will indemnify and hold Insured Ameri harmless from and against all claims, liabilities, damages, losses, and expenses (including attorneys’ fees) that arise from or are in any way related to your breach of this subsection.

You can stop receiving text or SMS messages by texting “STOP” to us, and we will respond to confirm that you have been unsubscribed. After this, you will no longer receive text or SMS messages from us, which may impact your ability to use the Services. If you are experiencing issues with the messaging program, you can get help directly at info@insuredameri.com. We are not liable for delayed or undelivered messages. Message and data rates may apply for any messages sent to you from us and to us from you. Messaging frequency may vary. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

Insured Ameri may offer the option to use SMS for two-factor authentication as an additional layer of security for your account. Insured Ameri recommends you activate this if offered, but, to the full extent permitted by law, in no event is Insured Ameri responsible for any data breach.

13. Dispute Resolution
    
    A. Disputes
    Process. Notwithstanding anything to the contrary, the following processes apply to all arbitrations and dispute resolution under these Terms of Use. Prior to a party initiating arbitration, it must request and then both parties must participate in a mandatory individualized pre-dispute resolution conference with the claimant. At least 10 days before the conference, the claimant must provide the defending party its written demand including: (a) the first and last name, email address, and physical address of the claimant, (b) the factual basis for its claim and calculation of damages so that the defending party can reasonably evaluate the claim and engage in settlement discussions, (c) individualized proof of an arbitration agreement including, where applicable, all purchase records and confirmation that each claimant has an account with the company, and (d) a declaration signed by claimant’s counsel averring that the information in the demand is true and correct ((a)-(d) collectively, the “Demand Packet”). Upon requesting arbitration, the claimant must file an individual request that includes the Demand Packet, the identity of the plaintiff and the plaintiff’s counsel, a detailed description of the legal claims being asserted and the requested relief, including a good-faith calculation of the specific amount in dispute. When 100 or more requests of a similar nature are filed at the same time (ie, within 30 days of each other), the arbitrations will be administered in batches of 100 cases each, with 1 arbitrator and 1 set of administrative fees per batch. Either Party may request online dispute resolution, which request will be honored by the other party. The defending Party may opt-out of arbitration if more than 100 substantially similar claims are filed. If the defending Party opts out, the claims will proceed in court.

Exceptions. Nothing in these Terms of Use waives, precludes, or otherwise limits the right of either party to: (i) bring an individual action in small claims court; (ii) pursue an enforcement action through the applicable federal, state, or local agency if that action is available; (iii) seek injunctive relief in a court of law; or (iv) to file suit in a court of law to address an intellectual property infringement claim.

1. Arbitration
   Any Dispute will be resolved to the fullest extent permitted by applicable law through binding arbitration as described below. This applies to all Disputes, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory (including but not limited to claims arising under ERISA), even if the Dispute arises after the termination of these Platform Terms or the User Agreements. For the purposes of the Dispute, Insured Ameri’s officers, directors, employees, and independent contractors (“Insured Ameri Personnel”) are third-party beneficiaries of this section. Further, if you are a Member or Dependent, for purposes of the Dispute, the Employer is a third-party beneficiary of this section.

The negotiations mentioned in the previous subsection are a precondition of filing an arbitration and, where such negotiations fail to resolve the Dispute, it will be finally decided through arbitration before a single arbitrator. Arbitration will apply the Comprehensive Arbitration Rules and Procedures of the Judicial Arbitration and Mediation Services, Inc. (“JAMS”) and, except as provided for below, will take place in San Francisco, California.

Notwithstanding the foregoing, nothing in this section will be construed or interpreted as prohibiting or precluding the filing of claims in court which cannot be waived by agreement by the Parties, but only to the extent precluded by applicable law.

Arbitration for Employers, Partners. IF YOU ARE AN EMPLOYER OR PARTNER, YOU AND INSURED AMERI WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR JURY. Disputes will be resolved before the JAMS arbitrator whose decision will be final except for a limited right of appeal under the Federal Arbitration Act. The arbitrator will decide all issues pertaining to arbitrability, including their own jurisdictional validity and enforceability of the Platform Terms, subject to the powers granted under the applicable JAMS rules. Any court with jurisdiction over the Parties may enforce the arbitrator’s award.

Arbitration Opt-Out for Members. If you are a Member, you have the right to opt out of the provisions of this section by sending written notice of your decision to opt out to us within 30 days of the Effective Date as provided in Section 15. Notices must be sent in the manner described in Section 15. You must include your name and residence address, the email address and telephone number associated with your account, and a clear statement that you want to opt out of this arbitration provision. IF YOU DO NOT OPT OUT, YOU AND INSURED AMERI ARE WAIVING ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR JURY.

1. Arbitration Rules
   Arbitration is subject to the JAMS Comprehensive Arbitration Rules and Procedures (“JAMS Rules”) in effect at the time the Dispute is filed. Either Party may request a telephonic or in-person hearing by following the JAMS Rules; provided, however, that any Dispute involving $10,000 or less will be conducted as a telephonic hearing unless the arbitrator finds good cause to hold an in-person hearing. The arbitrator may award the same damages to you individually as a court could, subject to the limitations of liability contained in the Platform Terms. The arbitrator may award declaratory or injunctive relief only to you or Insured Ameri individually, and only to the extent required to satisfy the Dispute.

2. Costs of Arbitration
   Whoever files the arbitration will pay the initial filing fee provided that if you file you may request a fee waiver under the JAMS Rules. Each Party will bear the expense of its own attorneys, experts, and witnesses, and other expenses, regardless of which Party prevails. However, this does not limit the recovery of expenses (including attorney’s fees) from another Party if the arbitrator so determines when applying applicable law.

3. Discovery
   The arbitrator will have the authority to resolve all issues concerning discovery and will have the authority to issue subpoenas for the appearance of witnesses or the production of documents pursuant to applicable law. Each Party will be limited to the exchange of documents provided for in the JAMS Rules and a maximum of 2 seven-hour depositions of witnesses in accordance with the procedures set forth in Rule 30 of the Federal Rules of Civil Procedure. In addition, each party will be entitled to conduct a maximum of one seven-hour deposition of expert witnesses designated by the other party. Notwithstanding the foregoing limitations, the arbitrator will have the authority to allow for additional discovery upon a Party’s request, the reasonable need for the requested information, and the burdensomeness of the request on the opposing Party and witnesses.

4. Waiver of Class, Collective, Representation Actions
   Except as otherwise required by law, the Parties expressly intend that: (a) class action, representative action, and collective action procedures will neither be asserted nor apply in any arbitration conducted pursuant to this section; (b) each Party will not assert and hereby waives its right to pursue or participate in class, representative, or collective action claims against the other in arbitration or any other forum; and (c) the Parties will only submit their own, individual claims in arbitration and will not seek to represent the interests of any other person, to the greatest extent permitted under applicable law.

Should a court determine that this prohibition on class, collective, representative, joint, or group actions is invalid for any reason, the Parties hereby waive any right to arbitration of the class, collective, representative, joint, or group action at issue and instead will agree and stipulate that such claims will be heard only by a judge and not an arbitrator or jury, to the maximum extent permitted by law. Additionally, if a party brings an action that includes both claims subject to arbitration under this section and claims that by law cannot be arbitrated, all claims that by law cannot be arbitrated will be stayed until the claims subject to arbitration are fully arbitrated. In this situation, the arbitrator’s decision on the claims subject to arbitration, including any determinations as to disputed factual or legal issues, will be dispositive and entitled to full force and effect in any separate lawsuit on claims that by law are not subject to arbitration.

1. One-Year Filing Period
   TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, ANY DISPUTE MUST BE FILED WITHIN 1 YEAR FROM THE EARLIEST DATE WHEN THE EVENTS GIVING RISE TO THE DISPUTE FIRST OCCUR. Claims not submitted within 1 year are permanently barred. This period may be extended only where both Parties agree in writing. No statutes or provisions of law that would toll or otherwise affect the time during which a Party may bring a claim will operate to extend the period limited in this section. Any such statutes and provisions are hereby waived to the fullest extent permissible under applicable law.

2. Infringement
   Notwithstanding the foregoing obligation to arbitrate disputes, each Party will also have the right to pursue injunctive or other equitable relief at any time, from any court of competent jurisdiction, to prevent the actual or threatened infringement, misappropriation or violation of a party’s copyrights, trademarks, trade secrets, patents, or other intellectual property rights.

3. Exclusive Venue
   Where you opt-out or where this arbitration agreement permits either you or Insured Ameri to litigate any dispute arising out of or relating to the subject matter of these Terms in court, the judicial proceeding will be brought in the state or federal courts located in San Francisco County, California.

4. Enforcing Award
   Any judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. Either Party may bring an action in court to compel arbitration under this section and to confirm, vacate or enforce an arbitration award. Each Party will bear its own attorney fees and costs and other expenses of this action.

Severability of this Section
If any provision of this section is adjudged to be void or otherwise unenforceable, in whole or in part, the void or unenforceable provision will be severed and the adjudication will not affect the validity of the remainder of this section. For the avoidance of doubt, to the extent that any portion of the waivers contained in this section is determined to be invalid or unenforceable by a court of competent jurisdiction, the valid portion of the waiver will be enforced in arbitration..

    14. Warranties, Disclaimer, Limits on Our Liability, Indemnity

A. Limited Warranties
Each Party warrants that it has all rights and authority to enter into the User Agreement and perform its respective obligations.

You represent and warrant that (a) all information and certifications you provide to us are accurate and current, (b) that you are authorized, as applicable, to provide access to financial accounts or records, (c) all requisite tax filings or maintenance of tax status required to access your Insured Ameri Accounts are current, and (d) you have and will only provide access to Credentials to those persons authorized to access your Insured Ameri Account.

B. General Disclaimer of Warranties
Except as provided in Section 14.A, Insured Ameri and its affiliated entities, and each of their respective officers, directors, employees, consultants, representatives, and agents, and each of their respective successors and assigns (Insured Ameri and all such parties together, the “Insured Ameri Parties”) make no representations and disclaim all warranties concerning the Services or Content.

The Insured Ameri Parties are not responsible to you or liable for the accuracy or ownership of any Third-Party Offerings or any claims, actions, suits, procedures, costs, expenses, damages or liabilities arising out of use of, or in any way related to your use of Third-Party Offerings. Insured Ameri Parties make no representations, warranties, suggestions, or recommendations regarding Insurance Plans, insurance carriers, or healthcare-related providers, products, or services offered or purchased through or in connection with the Services or discussed in connection with Support.

EXCEPT AS PROVIDED IN SECTION 14.A, THE SERVICES AND CONTENT ARE PROVIDED BY THE INSURED AMERI PARTIES ON AN “AS-IS” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT USE OF THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE.

C. Carrier Disclaimer
Without limiting the scope or generality of Section 14.B, Insured Ameri does not warrant and fully disclaims all responsibility or liability for delays or errors made, actions taken, or inactions not taken by Carriers, Partners, and Brokers with respect to Insurance Plans. This includes a Carrier’s, Partner’s, or Broker’s failure to place or bind a plan correctly or on time, maintain an enrollment, or bill promptly or the correct amounts. This disclaimer includes all direct and indirect consequences of such Carrier’s actions. Insured Ameri also does not warrant and fully disclaims all responsibility or liability for Employer’s failure to pay premiums or other contributions toward an Employee’s plan. Insured Ameri will not be responsible to pay for reimbursements, care, or other costs if the Employer or other responsible party fails to make the underlying payments.

D. Limits on Our Liability
CONSEQUENTIAL DAMAGES WAIVER. TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY (INCLUDING, WITHOUT LIMITATION, TORT, CONTRACT, STRICT LIABILITY, OR OTHERWISE) WILL ANY VENTEUR PARTY BE LIABLE TO YOU OR TO ANY OTHER PERSON FOR (A) ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND; (B) ANY SUBSTITUTE GOODS, SERVICES, OR TECHNOLOGY; (C) DISPUTES BETWEEN YOU OR MEMBERS AND INSURANCE CARRIERS, REGARDLESS OF THE CAUSE OF THE DISPUTE, INCLUDING BUT NOT LIMITED TO CARRIER’S FAILURE TO PLACE A PLAN, ENROLL OR MAINTAIN A MEMBER’S ENROLLMENT, OR BIND PAYMENT; (D) LOSS OF USE, LOST DATA, LOST PROFITS, FAILURE OF SECURITY MECHANISMS, INTERRUPTION OF BUSINESS, AND (E) ANY MATTER BEYOND OUR REASONABLE CONTROL, IN EACH CASE (A)-(E) EVEN IF INFORMED OF THEIR POSSIBILITY IN ADVANCE.
LIABILITY CAP.  THE INSURED AMERI PARTIES’ ENTIRE LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT TO YOU (UNLESS YOU ARE A MEMBER) WILL NOT EXCEED IN AGGREGATE THE AMOUNTS FOR ADMINISTRATIVE AND BROKER FEES PAID BY YOU PURSUANT TO THIS AGREEMENT DURING THE 12 MONTHS PRIOR TO THE DATE ON WHICH THE APPLICABLE CLAIM GIVING RISE TO THE LIABILITY AROSE UNDER THIS AGREEMENT.

NATURE OF CLAIMS AND FAILURE OF ESSENTIAL PURPOSE. THE WAIVERS AND LIMITATIONS IN THIS SECTION 14 APPLY REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE AND WILL SURVIVE AND APPLY EVEN IF ANY LIMITED REMEDY IN THIS AGREEMENT FAILS OF ITS ESSENTIAL PURPOSE.

E. Indemnification

You will indemnify and hold Insured Ameri harmless from and against all third-party claims, suits, or actions made or brought against Insured Ameri, and any liabilities, damages, losses, and expenses (including attorneys’ fees), that arise from or relate to (a) your use of Third-Party Offerings, (b) actions taken on your Insured Ameri Account by you or others on your behalf using your Credentials, (c) direct and indirect costs associated with collecting amounts owed to us including for Advances or Reserves, or (d) your violation of the User Agreement.

In the event of such a claim, suit, or action (“Claim”), we will provide Notice of the Claim to the contact information we have for your Insured Ameri Account first. Our failure to deliver notice does not eliminate or reduce your indemnification obligations.

15. Notices

Any notice, demand, waiver, and other communications regarding the User Agreement (“Notice”) must be in writing. We may deliver Notices electronically or to the address you provided that is associated with your Insured Ameri Account.

Notices sent to Insured Ameri must be sent via email to:
📧 info@insuredameri.com

Notice is effective only when received and is subject to all the requirements of this section.
(Address, phone number, and all Venteur references have been removed as requested.)

16. Additional Legal Terms

A. Amendment and Modification

We may revise or update the Platform Terms, User Agreement, Privacy Policy, Financial Agreements, or Acceptable Use Policy at our discretion by posting an update to our website. Continuing to access the Services after we update our website means that you have consented. You must stop using the Services if you do not consent.

Any delay in or failure to exercise rights or remedies arising from the User Agreement does not constitute waiver of those rights. Likewise, any exercise or partial exercise of a right or remedy does not preclude future exercises.

B. Assignment and Delegation

Neither Party may assign its rights or delegate its obligations under the User Agreement without the prior written consent of the other Party, except that Insured Ameri may assign its rights and delegate its obligations as part of a sale of all or substantially all its business. Except as permitted above, any purported assignment or delegation is null and void. No assignment or delegation relieves the assigning or delegating Party of any of its obligations under this Agreement.

This User Agreement binds and inures to the benefit of the Parties and their respective permitted successors and assigns.

C. Severability

If a provision of the User Agreement is invalid, illegal, or unenforceable in any jurisdiction, the invalidity, illegality, or unenforceability does not affect any other term or provision of the User Agreement or invalidate or render unenforceable the term or provision in any other jurisdiction.

Upon determination that any term or other provision is invalid, illegal, or unenforceable, the Parties will negotiate in good faith to modify the User Agreement to reflect the original intent of the Parties as closely as possible.

D. Interpretation

In the event of a conflict between the Partner Terms and a User Agreement, the User Agreement will control. In the event of a conflict between a Term Sheet and the Partner Terms or a Term Sheet and a User Agreement, the Term Sheet will control. Any agreement will be construed mutually where neither Party is considered the drafter.

Section, subsection, addenda, or exhibit titles are provided for convenience only and are not meant to be interpreted.

Defined terms may be used in singular or plural forms. The phrases “for example,” “including,” or “such as” will not be read to limit general statements. Use of “or” is not limiting.

E. Disputes and Governing Law

Subject to Section 13 (Dispute Resolution), all Disputes arising out of or related to the Platform Terms will be instituted exclusively in the federal and state courts located in San Francisco County, California, and each Party irrevocably submits to the exclusive jurisdiction of these courts.

The Platform Terms are governed by and construed in accordance with the laws of the State of California.

F. Force Majeure

Except for payment obligations owed by you, neither party will be liable for failure or delay in performance to the extent caused by circumstances beyond its reasonable control.