Terms of Use

These Terms of Use govern your access to and use of the Transparent Benefit Solutions Agency website (the “Site”). By using the Site, you agree to these terms. If you do not agree, please do not use the Site.

Informational purpose only

The content on this Site is provided for general informational purposes only. It is not insurance advice, a recommendation, a policy, an offer, or a solicitation to buy or sell any insurance product, and it does not create an agent-client or fiduciary relationship. Insurance decisions should be made only after a personalized consultation and a review of the actual policy documents.

No guarantee of outcomes

Plan availability, benefits, premiums, networks, and eligibility vary by state, carrier, and individual circumstances and can change at any time. We do not guarantee any specific savings, coverage approval, premium amount, or other outcome. Any examples are illustrative only.

Licensing

Transparent Benefit Solutions Agency is a licensed independent insurance brokerage. We are licensed in Florida, Georgia, Texas, Tennessee, Ohio, New York, Virginia, Wisconsin, Washington DC. We can only advise on and place coverage in states where we hold an active license.

Government affiliation

Transparent Benefit Solutions Agency is not affiliated with, endorsed by, or connected to Healthcare.gov, CMS, or any government agency. References to the Health Insurance Marketplace or the Affordable Care Act are for informational purposes only.

Your responsibilities

• Provide accurate information when you contact us or request a quote.
• Use the Site lawfully and not attempt to disrupt or misuse it.
• Review all policy documents and disclosures from the issuing carrier before enrolling in any plan.

Third-party links and services

The Site may link to or embed third-party services, including our form provider (JotForm), video platforms, and carrier or marketplace websites. We are not responsible for the content, policies, or practices of those third parties, and your use of them is governed by their own terms.

Intellectual property

The Site's content, branding, and design are owned by Transparent Benefit Solutions Agency or its licensors and are protected by applicable law. You may not copy, reproduce, or redistribute them without permission.

Limitation of liability

To the fullest extent permitted by law, Transparent Benefit Solutions Agency is not liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, the Site or its content. The Site is provided “as is” without warranties of any kind.

Changes to these terms

We may update these Terms of Use from time to time. Continued use of the Site after changes take effect constitutes acceptance of the revised terms.

Contact

Questions about these terms? Reach us at liam@transparentbs.com or (727) 247-8256.