Terms of Service

Effective: September 1, 2025

INTRODUCTION

The Naaman Insurance Agency, LLC. (the Agency) is not affiliated with the U.S. government or federal Medicare program. Please note that the Agency, and its affiliated companies, representatives, contractors, partners, employees, volunteers, and the Agency website will not provide specific legal or taxation advice. Individuals must seek independent advice from a tax professional or attorney.

The Agency, and its affiliated companies, representatives, contractors, partners, employees and volunteers comply with applicable Federal civil rights laws and do not discriminate or exclude people because of their race, color, religion, gender, gender identity, sex, sexual orientation, age, disability, national origin, military status, veteran status, genetic information, ancestry, ethnicity, marital status, language, health status or need for health services. The Agency offers free language interpreter services.

This document and the website do not guarantee benefits and does not describe all services received through the coverage of a specific plan. Please refer to your Evidence of Coverage or call Customer Service at the number on the back of your insurance plan ID card to confirm that a specific service will be covered by your insurance plan.

1. USE OF RESOURCES

Your use of the Agency’s website, customer relationship management software, agent portal, leads, or your receipt of any commissions or other compensation from any insurance carrier affiliated with the Agency (collectively, “Resources”) is conditioned on your acknowledgement, agreement, and compliance with these Terms. These Terms apply to all insurance agents that sell or market any products through their affiliation with the Agency or in connection with use of any of the Resources.

By using the Agency’s Resources, you agree to be bound by these Terms. If you disagree with any part of the Terms, you must immediately notify the Agency and discontinue your relationship with the Agency.

All Resources are provided “as is.” The Agency makes no warranties, express, implied, or otherwise, regarding the accuracy, completeness, or performance of any Resource.

2. OUTBOUND COMMUNICATIONS AND COMPLIANCE WITH LAW

In connection with your activities pertaining to the marketing and sale of insurance products that involve the Agency in any way (including any use of the Agency trademarks or any Resource), you agree that you will not:

sell any leads purchased from the Agency or with the Agency’s assistance unless expressly authorized by the Agency to engage in the sale of leads;
use (or engage others to use on your behalf), any automatic telephone dialing system, auto dialer, spam text, prerecorded message, artificial voice calls, or telemarketing service;
purchase or use leads that have been generated using any automatic telephone dialing system, auto dialer, spam text, prerecorded message, artificial voice calls, or telemarketing service;
contact any lead without evidence of proper consent or, if no consent exists, without screening against the federal Do-Not-Call (“DNC”) Registry and any applicable state DNC list;
contact any lead that requested to opt out of communications;
if involved in the sale or marketing of a Medicare Advantage, Medicare Part D or MAPDP product:
1. use telephonic solicitation, including text messages, door-to-door solicitation, email solicitation without an opt-out function or approach potential enrollees in common areas;
2. call a prospective enrollee who has not given permission to the entity with which you are affiliated to be contacted by a plan or sales agent;
3. use communications and marketing materials that are inaccurate, misleading, have not been approved by CMS or the applicable carrier if approval is required, or otherwise do not comply with the Medicare marketing guidelines;
4. fail to obtain an appropriate Scope of Appointment prior to a one-on-one telephonic or in-person marketing appointment; or
5. enroll a prospective enrollee into a Medicare Advantage plan on an outbound call; or
contact leads or use the Resources in any way that violates any federal or state law including, without limitation, marketing laws, the Telephone Consumer Protection Act of 1991 (“TCPA”), the Telemarketing Sales Rule (“TSR”), CAN-SPAM Act, the Health Insurance Portability and Accountability Act (“HIPAA”), the California Consumer Privacy Act (“CCPA”), or to the extent applicable, Medicare laws, regulations and guidance.

3. COMMUNICATION WITH AGENT

As an agent, you authorize the Agency to contact you in connection with the sale of insurance products. The Agency may contact you by phone, email, text, voicemail, or other methods. You may opt out of communications by communicating to the Agency your preference to opt out.

4. INDEPENDENT CONTRACTORS

Except for employee agents, the Agency’s agents are independent contractors of the Agency and are not employees of the Agency. Non-employee agents have the right to determine the method, manner, and means by which they perform their services. Nothing herein shall be construed to create a partnership, joint venture, or an agency relationship between non-employee contractors and the Agency.

5. TRADEMARKS

The Agency’s name and logo, and all related names, logos, product and service names, designs and slogans are trademarks of the Agency or its affiliates or licensors. You may not use such marks without the prior written permission of the Agency. All other names, logos, product and service names, designs and slogans on the Agency’s website are the trademarks of their respective owners.

6. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless the Agency, its affiliates, licensors and service providers, and its and their respective officers, directors, partners, employees, volunteers, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Resources, including your violation of law.

7. LIMITATION ON LIABILITY

TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE AGENCY (OR ITS EMPLOYEES, OFFICERS, DIRECTORS, CONTRACTORS, VOLUNTEERS OR AGENTS) BE LIABLE TO YOU FOR ANY CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE RESOURCES, REGARDLESS OF LEGAL THEORY, AND EVEN IF THE AGENCY HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE EXTENT PERMITTED BY APPLICABLE LAW, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, THE AGENCY’S LIABILITY TO YOU ARISING FROM THESE TERMS, OR THE USE OF OR INABILITY TO USE THE RESOURCES, SHALL AT ALL TIMES BE LIMITED TO THE GREATER OF $1,000 OR THE AMOUNTS PAID BY YOU TO THE AGENCY FOR ACCESS TO AND USE OF THE RESOURCES.

8. AGREEMENT TO ARBITRATE

Any dispute, claim or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof or the use of the Resources shall be settled by binding arbitration. You and the Agency are each waiving the right to a trial by jury or to participate as a plaintiff or class member in any purported class action or representative proceeding. The agreement to arbitrate shall survive any termination of these Terms. The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with the Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (the “AAA Rules”) then in effect, in Miami, Florida. The arbitrator will be selected by the parties from the AAA’s roster of arbitrators. If the parties are unable to agree upon an arbitrator within seven (7) days of delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules. Judgment on the arbitration award may be entered in any court having jurisdiction thereof. The arbitrator’s award of damages must be consistent with the terms of the “Limitation of Liability” section above as to the types and amounts of damages for which a party may be held liable.

9. WAIVER AND SEVERABILITY

The failure of the Agency to enforce any right or provision of these Terms will not constitute a waiver of future enforcement of that right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of the Agency. If for any reason a court of competent jurisdiction or an arbitrator finds any provision of these Terms invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect.