Effective Date: 03/01/2025
Last Updated: 03/01/2025

Welcome to SNO Health Insurance. These Terms and Conditions govern your access to and use of our website located at snohealthinsurance.com, including all services, information, tools, and resources provided therein.

By using our Website, you agree to be bound by these Terms. If you do not agree, please do not use our Website.

By accessing this Website, you represent that you are at least 18 years of age and are legally capable of entering into binding agreements.

You agree not to:

• Violate any applicable local, state, national, or international law;
   
• Interfere with or disrupt the operation of the Website;
   
• Use the Website for any unlawful or unauthorized purposes;
   
• Attempt to gain unauthorized access to any portion of the Website or systems connected to it.
   

SNO Health Insurance is a licensed and insured insurance broker in Alabama, Arizona, California, Florida, Iowa, Indiana, Kansas, Louisiana, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Jersey, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Wisconsin, West Virginia. All products and services displayed are subject to availability and eligibility, and final pricing and underwriting decisions are made by the respective insurance carriers.

Nothing on this Website constitutes a binding offer to sell or a guarantee of insurance coverage or approval.

All content on this Website is provided for general informational purposes only. We make no representations or warranties regarding the accuracy, completeness, or suitability of any information, product, or service.

We do not provide legal, tax, medical, or financial advice. You should consult with a qualified professional for specific advice.

To the fullest extent permitted by law, SNO Health Insurance and its affiliates, employees, agents, or licensors will not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of income or revenue,
   
• Loss of data or business interruption,
   
• Errors or omissions in any content,
   
• Damages resulting from use of or inability to use the Website or third-party services.
   

Your sole remedy is to stop using the Website.

Our Website may contain links to third-party websites or services not owned or controlled by us. These links are provided for your convenience only.

We do not endorse or assume responsibility for any content, products, or services offered by third parties. Use of third-party services is at your own risk and subject to their terms and privacy policies.

Display or reference of any insurance company, broker, plan, or service does not constitute an endorsement or guarantee by SNO Health Insurance. Rates and policies may vary based on individual circumstances, and insurance coverage is subject to underwriting and approval.

All content on this Website, including text, graphics, logos, icons, images, audio clips, and software, is the property of SNO Health Insurance or its licensors, and is protected by copyright, trademark, and other laws.

You may not copy, reproduce, distribute, display, or create derivative works without our prior written consent.

Your use of the Website is also subject to our Privacy Policy, which explains how we collect, use, and protect your personal information.

You agree to indemnify, defend, and hold harmless SNO Health Insurance and its affiliates, agents, and employees from any claims, liabilities, damages, losses, or expenses (including attorney’s fees) arising from:

• Your violation of these Terms,
   
• Your misuse of the Website,
   
• Your violation of any law or rights of a third party.
   

We reserve the right to modify or update these Terms at any time. We will post the revised Terms on this page, and the "Last Updated" date will reflect the changes. Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

We may terminate or suspend your access to the Website at any time without prior notice or liability, for any reason, including violation of these Terms.

These Terms shall be governed and interpreted in accordance with the laws of the State of Florida, without regard to conflict of law provisions.

If you have any questions or concerns about these Terms, please contact us:
📧 Email: Contact@snohealthinsurance.com
📞 Phone/ Text: 559-446-7514