Terms of Service

Effective Date: 7/1/2025

Welcome to Policy Bear. By accessing or using our website and services, you confirm that you have read, understood, and agreed to be bound by these Terms. Please read them carefully.

These Terms & Conditions (“Terms”) govern your use of the Policy Bear website and services. If you do not agree with any part of these Terms, you should not use our services.

1. Who We Are

Policy Bear is a licensed health insurance agency offering assistance with Affordable Care Act (ACA) marketplace plans and related services.

We are not affiliated with or endorsed by Healthcare.gov, the U.S. government, or any federal or state marketplace.

2. Eligibility to Use Our Services

To use our website or enroll in health plans through us, you must:

• Be at least 18 years old or the age of majority in your state.
  
• Be a resident of the United States.
  
• Use the site only for personal, lawful, and non-commercial purposes.
  
  

3. Permitted Use of This Website

You may:

• Access and browse our content.
  
• Submit your information to get quotes or speak with licensed agents.
  
• Use our tools and calculators for educational purposes.
  
  

You may not:

• Use our site for unlawful, fraudulent, or misleading purposes.
  
• Reverse engineer, scrape, or attempt to extract source code.
  
• Impersonate others or submit false information.
  
• Disrupt our systems or violate security features.
  
  

4. Accuracy of Information

We aim to keep all information on this site up to date and accurate. However:

• Health insurance regulations and plan details may change.
  
• We do not guarantee the completeness, accuracy, or availability of all information at all times.
  
• Final pricing and eligibility are determined by the insurance carrier or government exchange.
  
  

5. No Professional Advice

All content on our site is provided for informational purposes only and does not constitute legal, financial, or medical advice.
Always consult a licensed professional for personalized guidance before making decisions about your health coverage.

 

6. Third-Party Services & Links

Our site may link to third-party websites or services, such as:

• Health insurance carriers
  
• Healthcare.gov
  
• Affiliate tools and calculators
  
  

We are not responsible for the privacy practices, content, or policies of these third parties.

 

7. Intellectual Property

All content on the Policy Bear website, including:

• Logos, branding, and design elements
  
• Text, images, icons, and graphics
  
• Tools, calculators, and downloads
  
  

...are owned or licensed by us and protected by copyright and trademark laws.

You may not copy, reproduce, or republish our content without written permission.

8. Communication & Consent

By using our services, you consent to:

• Be contacted by our licensed agents or representatives.
  
• Receive calls, emails, or text messages (standard SMS/data rates may apply).
  
  

9. Disclaimer of Warranties

We provide our services “as is” and “as available” with no warranties of any kind, express or implied, including:

• That the site will be uninterrupted or error-free.
  
• That all plans shown are available in your area.
  
• That use of our site will meet your expectations.
  
  

 

10. Limitation of Liability

To the fullest extent allowed by law, Policy Bear shall not be liable for:

• Any direct or indirect damages arising from your use of the site.
  
• Errors, delays, outages, or data loss.
  
• Loss of eligibility or coverage due to inaccurate info provided by users.
  
  

11. Indemnification

You agree to indemnify and hold harmless Policy Bear and its agents from any claims, damages, or liabilities resulting from your:

• Use or misuse of our site
  
• Violation of these Terms
  
• Violation of any applicable law
  
  

12. Changes to These Terms

We may update these Terms from time to time. When we do:

• A revised version with a new effective date will be posted.
  
• Continued use of the site means you accept the updated Terms.
  
  

13. Governing Law

These Terms are governed by the applicable laws of the United States, without regard to conflict of law principles. Any disputes arising from these Terms will be handled in accordance with those laws.

14. Contact Us

Have questions about these Terms?

Policy Bear – Legal Team

(844) POL-BEAR

[email protected]

222 S. Rainbow Boulevard STE 216, Las Vegas, NV 89145 

Mon-Fri: 8AM-8PM EST

Live Chat Available