Welcome to Pops! These Terms of Service ("Terms") govern your use of our health insurance guidance platform and services.

1. About Pops

Pops provides unbiased, voice-driven health insurance guidance to help you find and select appropriate health coverage. We are NOT a licensed insurance broker, agent, or carrier. We do not sell insurance policies and receive no commissions from insurance companies.

What We Do:

• Provide educational guidance about health insurance options

• Offer personalized recommendations based on your needs

• Connect you with a community of users with similar experiences

• Assist with understanding plan features and costs

What We Don't Do:

• Sell or underwrite insurance policies

• Act as your insurance agent or broker

• Guarantee coverage approval or specific outcomes

• Provide medical or legal advice

2. Service Fees

One-Time Plan Selection Fee: $100

• Covers personalized guidance through the plan selection and enrollment process

• Non-refundable once guidance begins

Optional Monthly Support: $20/month

• Year-round access to expert support

• Help with plan changes, claims questions, and ongoing decisions

• Cancel anytime with 30 days notice

3. User Responsibilities

You agree to:

• Provide accurate information about your health, financial situation, and preferences

• Verify all plan details directly with insurance carriers before enrolling

• Make your own final decisions about coverage

• Pay all fees on time

• Use our service only for lawful purposes

• Respect our community guidelines in all interactions

4. Disclaimers and Limitations

No Guarantee of Results: While we strive to provide excellent guidance, we cannot guarantee:

• That you'll qualify for any specific plan

• Specific premium costs or coverage outcomes

• That our recommendations will meet all your future needs

Insurance Decisions Are Yours: You are solely responsible for:

• Final plan selection and enrollment

• Reading and understanding all policy terms

• Paying premiums and following carrier requirements

• Verifying provider networks and coverage details

Limitation of Liability: Pops' total liability to you shall not exceed the fees you've paid us. We are not liable for:

• Coverage gaps or claim denials

• Premium increases or plan changes by carriers

• Provider network changes

• Indirect, incidental, or consequential damages

5. Intellectual Property

All content, features, and functionality of Pops (including text, graphics, logos, and software) are owned by us and protected by copyright and other laws. You may not copy, distribute, or create derivative works without our permission.

6. Community Guidelines

Our community features are designed to provide mutual support. You agree not to:

• Share false or misleading information

• Violate others' privacy

• Use offensive, discriminatory, or inappropriate language

• Promote competitors or solicit business

• Share personal health information that could identify you

7. Termination

Either party may terminate this agreement at any time:

• You can cancel monthly support with 30 days notice

• We may suspend or terminate accounts for violations of these Terms

• Upon termination, you lose access to our platform and community

8. Changes to Terms

We may update these Terms periodically. Material changes will be communicated via email or platform notification. Continued use after changes constitutes acceptance.

9. Governing Law

These Terms are governed by [State] law. Any disputes will be resolved through binding arbitration in [Location].