Terms of Use

These Terms of Use govern your access to and use of the websites, online service forms and communication tools operated by Prospirion LLC (“Prospirion,” “we,” “us” or “our”).

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

Insurance Service Requests

A request becomes effective only after it has been reviewed and confirmed by Prospirion and, when applicable, the insurance carrier.

Additional applications, carrier forms, signatures, payments, underwriting or supporting documentation may be required.

No Guarantee of Coverage or Approval

Information displayed on this website does not constitute confirmation of insurance coverage or approval of a transaction.

Coverage availability, terms, conditions, limits, exclusions, premiums and approvals are determined by the applicable insurance carrier and the issued policy documents.

General Information Only

Website information is provided for general education and service purposes. It is not a substitute for individualized insurance, investment, tax or legal advice.

You should consult the appropriate licensed or qualified professional before making decisions based on your individual circumstances.

Emergencies and Claims

Do not rely on this website for emergency assistance. Submitting a claim-related form begins a request for assistance but does not constitute acceptance, filing or approval of a claim by an insurance carrier.

Your Responsibilities

When using this website, you agree to:

• Provide accurate, current and complete information
• Submit information only for yourself or someone you are authorized to represent
• Correct any inaccurate information as soon as reasonably possible
• Use the website only for lawful purposes
• Not interfere with the website’s operation or security
• Not upload malicious, unlawful, false or misleading material

Electronic Communications

By providing your contact information, you authorize Prospirion to respond to your inquiry or service request by telephone, email or text message, subject to your communication preferences and applicable law.

Message frequency varies. Message and data rates may apply. Reply STOP to discontinue text messages or HELP for assistance.

Uploaded Documents

You are responsible for ensuring that you have the authority to submit any documents or information uploaded through this website.

Uploading a document does not confirm that it has been accepted, reviewed or processed by Prospirion or an insurance carrier.

Website Availability

We may update, suspend, restrict or discontinue any part of the website without notice. We do not guarantee that the website will always be available, uninterrupted, secure or free from errors.

Third-Party Websites and Services

This website may contain links to insurance carriers, payment providers or other third parties. Prospirion does not control and is not responsible for their content, availability, security, services or privacy practices.

Your use of a third-party website is governed by that party’s own terms and privacy policies.

Intellectual Property

The website’s original content, branding, graphics, design and materials are owned by Prospirion or their respective owners.

Website materials may not be copied, modified, distributed or used commercially without prior written permission.

Limitation of Liability

To the extent permitted by law, Prospirion is not responsible for losses resulting from website interruptions, inaccurate information submitted by users, unauthorized access, third-party websites or reliance on general website information.

Nothing in these Terms limits any rights or obligations that cannot legally be limited.

Privacy

Your use of this website is also governed by our Privacy Policy.

Governing Law

These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-law principles.

Updates to These Terms

Prospirion may update these Terms periodically. Updated Terms become effective when posted on this page with a revised effective date.

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