Terms & Conditions

1. Acceptance of Terms

By accessing and using the Fair Financial Solutions website ("Website") and services, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Website or services. These Terms constitute a legally binding agreement between you and Fair Financial Solutions.

2. Description of Services

Fair Financial Solutions is an independent insurance agency that provides:

• Insurance quotes and comparisons from multiple carriers
• Information and guidance about Medicare, Health Insurance (ACA), Life Insurance, and Retirement Planning
• Assistance with insurance enrollment and application processes
• Ongoing support and annual plan reviews

We act as an independent agent and are not affiliated with any single insurance carrier. Our services are provided at no cost to you; we are compensated by insurance carriers when you enroll in a policy.

3. No Guarantee of Coverage

While we strive to provide accurate information and assistance, we do not guarantee that you will qualify for or be accepted into any insurance plan. Final eligibility and acceptance decisions are made by the insurance carriers. We are not responsible for any denial of coverage or changes to policy terms by insurance carriers.

4. Accuracy of Information

We make every effort to provide accurate and up-to-date information about insurance products, enrollment periods, and eligibility requirements. However, insurance regulations and plan details can change frequently. You should verify all information with the insurance carrier before making enrollment decisions. We are not liable for any errors, omissions, or changes in information provided on our Website.

5. User Responsibilities

When using our services, you agree to:

• Provide accurate, complete, and truthful information in all communications and forms
• Update us promptly if your contact information or circumstances change
• Review all insurance documents and policy terms carefully before enrolling
• Use our Website and services only for lawful purposes
• Not attempt to gain unauthorized access to our systems or networks
• Not transmit any viruses, malware, or harmful code

6. Communication Consent

By providing your contact information through our Website, you consent to receive communications from us via phone, email, and text message regarding insurance quotes and services. You may opt out of these communications at any time by following the unsubscribe instructions in our messages or by contacting us directly. See our Privacy Policy for more details about our communication practices.

7. Intellectual Property

All content on this Website, including text, graphics, logos, images, and software, is the property of Fair Financial Solutions or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Website without our prior written consent.

8. Third-Party Links

Our Website may contain links to third-party websites, including insurance carrier websites and enrollment platforms. These links are provided for your convenience only. We do not endorse or assume any responsibility for the content, privacy policies, or practices of third-party websites. You access third-party websites at your own risk.

9. Disclaimer of Warranties

OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUR WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FAIR FINANCIAL SOLUTIONS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your use or inability to use our services
• Any unauthorized access to or use of your personal information
• Any errors or omissions in content provided
• Decisions made by insurance carriers regarding coverage or eligibility

11. Indemnification

You agree to indemnify, defend, and hold harmless Fair Financial Solutions, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney's fees, arising out of or in any way connected with your use of our services or violation of these Terms.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in Denton County, Texas, and you consent to the personal jurisdiction of such courts.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on this Website with an updated "Last Updated" date. Your continued use of our services after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

14. Severability

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

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Fair Financial Solutions regarding the use of our Website and services, and supersede all prior agreements and understandings.