Terms of Service

By accessing or using the Yumi Health website (yumihealthgroup.com) and related services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please do not use our Services.

These Terms constitute a legally binding agreement between you and Yumi Health ("we," "us," or "our"). We reserve the right to modify these Terms at any time. Material changes will be posted on this page with an updated effective date.

Our Services include:

• Connecting individuals with licensed insurance agents who can help them understand, compare, and enroll in health insurance plans
• Providing educational information about Medicare, ACA Marketplace, and supplemental insurance options
• Facilitating the enrollment process by coordinating between consumers and insurance carriers through licensed agents
• Providing an online portal for clients to access plan information and communicate with their assigned agent

Certain features may require you to create an account or provide personal information. When you do, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your information to keep it accurate
• Keep your account credentials secure and confidential
• Accept responsibility for all activity that occurs under your account

We reserve the right to suspend or terminate any account that provides false or misleading information, or that we reasonably believe has been compromised.

Yumi Health helps you find and compare coverage, but we do not:

• Underwrite, guarantee, or issue insurance policies
• Make coverage decisions or determine your eligibility for any plan
• Set premiums, benefits, or terms of any insurance plan
• Guarantee that any particular plan will be available to you or will cover specific treatments or services

When using our Services, you agree to:

• Provide truthful and accurate information about yourself and your health insurance needs
• Not use our Services for any unlawful or fraudulent purpose
• Not interfere with or disrupt the operation of our website or Services
• Not attempt to gain unauthorized access to any part of our Services or systems
• Not impersonate any person or entity or misrepresent your affiliation
• Review and understand the terms of any insurance plan before enrolling

We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use our Services
• Errors or omissions in plan information presented through our Services
• Decisions made based on information from our Services
• Insurance claims, coverage disputes, or policy issues between you and a carrier
• Unauthorized access to your personal information

You agree to indemnify, defend, and hold harmless Yumi Health and its officers, directors, employees, agents, and affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of our Services
• Your violation of these Terms
• Your violation of any rights of a third party
• Any information you provide that is false, misleading, or inaccurate

These Terms shall be governed by the laws of the State of New Jersey, without regard to its conflict of law provisions. Any legal action or proceeding arising from these Terms shall be brought exclusively in the federal or state courts located in New Jersey, and you consent to the personal jurisdiction of such courts.

We reserve the right to modify or replace these Terms at any time. If we make material changes, we will update the "Last Updated" date at the top of this page and may provide additional notice (such as an email or a site banner).

Your continued use of our Services after any changes constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, please stop using our Services.

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary. The remaining provisions shall remain in full force and effect.

If you have questions about these Terms of Service, please reach us:

Also see our Privacy Policy.