Terms of Use
These Terms of Use govern your access to and use of this website. By using the site, you agree to these terms. If you do not agree, please do not use the site.
About this site
This website is operated by Jack Thomas, an Arizona-licensed insurance producer (License #22137766) doing business as Jack Thomas Health Insurance. The site is an advertisement for insurance services and a means to schedule a consultation.
Nothing on this site constitutes an offer to sell insurance, a binding insurance quote, or a contract. Insurance coverage can only be obtained through a formal application process with a licensed carrier and is subject to the carrier's underwriting and approval.
Not affiliated with the government
This site is not connected with, endorsed by, or affiliated with the U.S. Government, the Health Insurance Marketplace, HealthCare.gov, the Centers for Medicare and Medicaid Services, or the Medicare program. It is a private commercial advertisement for the services of an independent licensed insurance producer.
Not legal, financial, tax, or medical advice
Information on this site is provided for general informational purposes only. It is not legal advice, financial advice, tax advice, or medical advice. Insurance recommendations made during a consultation are based on the information you provide and reflect available products at that time. They do not substitute for advice from a licensed attorney, accountant, financial planner, or medical provider. Decisions about health insurance coverage have significant financial and personal implications, and you are encouraged to consult appropriate professionals before making them.
Eligibility
This site is intended for residents of Arizona who are at least 18 years of age. Insurance products discussed through this site are limited to those for which I am licensed and appointed in Arizona. Eligibility for any specific insurance product depends on the carrier's underwriting criteria, your age, your residence, your health history, and other factors.
Scheduling consultations
The calendar tool on this site allows you to schedule a consultation. By booking a call:
- You agree that the contact information you provide is accurate and that you are authorized to provide it.
- You consent to be contacted at the phone number and email address you provide for purposes related to the scheduled consultation, including reminder messages.
- You understand that consultations are conducted by phone and that a phone call will be initiated by Jack Thomas at the scheduled time.
- You may reschedule or cancel through the calendar tool. Reasonable notice is appreciated.
The consultation itself is provided at no cost. You are under no obligation to purchase any insurance product. If you choose to enroll in a plan, the carrier pays a commission to me; you do not pay an additional fee for my services.
Communications and consent
By providing your phone number through the booking tool, you expressly consent to receive calls and text messages from Jack Thomas related to your scheduled consultation and any insurance services you request. This consent includes calls and texts placed using automated systems. You may revoke consent at any time by replying STOP to any text message, by stating your withdrawal of consent on a phone call, or by emailing me at the address in the Privacy Policy.
Carrier message and data rates may apply to text messages. Frequency of messages depends on your interactions with me.
Acceptable use
You agree to use this site only for lawful purposes. You agree not to:
- Use the site in any way that violates applicable federal, state, or local laws or regulations.
- Submit false, misleading, or fraudulent information through the booking tool.
- Attempt to gain unauthorized access to any part of the site, the server hosting it, or any connected systems.
- Use any automated system (bots, scrapers, etc.) to access the site for any purpose other than legitimate search engine indexing.
- Interfere with or disrupt the operation of the site or any user's access to the site.
- Use the site to harvest contact information for unsolicited marketing.
Intellectual property
All content on this website, including text, graphics, logos, the wordmark "Jack Thomas Health Insurance," images, and the underlying code, is the property of Jack Thomas or used with permission, and is protected by copyright and other intellectual property laws. You may view and use the site for personal, non-commercial purposes only. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, or transmit any of the material on this site without prior written permission.
Third-party links and services
This site may include links to third-party websites or services, including the scheduling tool provided by Calendly. Those services have their own terms and privacy policies, which I do not control. Your use of any third-party service is at your own risk and subject to that service's terms.
Disclaimers
The site is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, I make no warranties, express or implied, regarding the site's operation or the information, content, or materials included on the site. I do not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components.
While I make reasonable efforts to ensure the accuracy of information on the site, insurance products, premium rates, plan terms, subsidies, and eligibility rules change frequently. Information on this site may not reflect the most current state of any specific insurance product. The only authoritative source for any specific plan's terms is the carrier's official policy documents.
Limitation of liability
To the fullest extent permitted by Arizona law, in no event will Jack Thomas be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of this site, including but not limited to lost profits, lost data, or damages resulting from inability to use the site. My total liability for any claim arising out of or relating to this site is limited to one hundred dollars ($100).
Nothing in this section limits any liability that cannot be limited under applicable law, including liability for fraud, intentional misconduct, or violations of insurance laws.
Indemnification
You agree to indemnify and hold harmless Jack Thomas from any claims, damages, or expenses (including reasonable attorneys' fees) arising out of your violation of these Terms of Use, your misuse of the site, or your violation of any applicable law.
Governing law and disputes
These Terms of Use are governed by the laws of the State of Arizona, without regard to its conflict-of-law principles. Any dispute arising out of or related to these terms or your use of this site shall be brought exclusively in the state or federal courts located in Maricopa County, Arizona, and you consent to the personal jurisdiction of those courts.
Regulatory complaints
If you have a complaint about my conduct as a licensed insurance producer, you have the right to file a complaint with the Arizona Department of Insurance and Financial Institutions. Information on filing a complaint is available at difi.az.gov.
Changes to these terms
I may update these Terms of Use from time to time. When changes are made, the effective date above will be updated. Continued use of the site after a change indicates acceptance of the updated terms.
Contact
Questions about these Terms of Use can be directed to:
- Email: jackthomasjt23@gmail.com
- Through this website: Use the calendar tool on the home page to book a call.