Website Terms of Use

These Website Terms of Use ("Terms") describe the rules that apply when you access or use the website, online forms, communications, and related services of Skyline Benefit Insurance Solutions LLC ("Skyline Benefit," "we," "us," or "our"). Please read these Terms carefully before using the Service.

1. Acceptance of Terms

By accessing or using the Service, you agree to be bound by these Terms and by any policies referenced in these Terms, including our Privacy Policy. If you do not agree with these Terms, you should not access or use the Service.

These Terms apply to all visitors, prospective clients, clients, users, and other persons who access or use the Service. If you use the Service on behalf of another person, business, or organization, you represent that you have authority to do so.

2. About Skyline Benefit and Scope of Services

Skyline Benefit is a California health insurance agency located in Fullerton, California. Skyline Benefit is not an insurance carrier, health plan, medical provider, tax advisor, legal advisor, or government agency.

Our role is to provide insurance-related information, assistance, quotes, enrollment support, and service support for health insurance and related benefit products, as offered by Skyline Benefit and as appropriate for a user’s circumstances.

The Service is intended to help users learn about available insurance options, request information, communicate with Skyline Benefit, and obtain support related to insurance matters. The Service does not guarantee eligibility, coverage, pricing, subsidies, provider participation, prescription coverage, plan availability, or carrier approval.

3. Insurance Information, Quotes, Applications, and Enrollment

Any quote, premium estimate, subsidy estimate, plan comparison, benefit summary, network information, formulary information, eligibility information, or enrollment assistance provided through the Service is preliminary and subject to change.

Final premiums, benefits, exclusions, limitations, enrollment rules, effective dates, eligibility determinations, and approvals are determined by the applicable insurance carrier, marketplace, government program, employer plan sponsor, or plan administrator.

If any information on the Service conflicts with official plan documents, carrier materials, evidence of coverage, policy documents, certificates, applications, notices, or applicable law, the official documents and applicable law will control.

You are responsible for reviewing all applications, plan materials, confirmations, policy documents, invoices, premium notices, and communications from carriers or marketplaces for accuracy and for notifying Skyline Benefit promptly of any errors or changes.

4. Products, Availability, and Compensation

Skyline Benefit may not offer every insurance product, carrier, plan, or option available in your area. Products and carriers presented to you may depend on availability, licensing, carrier appointments, eligibility, information you provide, and other factors.

Skyline Benefit may receive commissions, service fees, referral fees, or other compensation from insurance carriers, benefit providers, or other third parties in connection with insurance products or related services, as permitted by law. You may request additional information about compensation related to a specific product or service.

5. No Medical, Legal, or Tax Advice

Information provided through the Service is for general informational purposes and insurance-service purposes only. It is not medical, legal, tax, financial, or accounting advice.

For medical questions, contact a qualified health care professional. For legal, tax, or financial questions, contact an appropriate licensed professional. For questions about the terms of a specific insurance policy or health plan, review the official plan documents and contact the carrier, marketplace, plan administrator, or Skyline Benefit for assistance.

6. User Responsibilities

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree that you will not:

• Provide false, incomplete, misleading, or unauthorized information;
• Submit information for another person unless you are authorized to do so;
• Violate any applicable law, regulation, carrier rule, marketplace rule, or third-party right;
• Attempt to interfere with, disable, damage, or gain unauthorized access to the Service or any related system;
• Upload or transmit viruses, malware, harmful code, or other malicious materials;
• Use the Service to harass, threaten, defame, impersonate, or harm another person; or
• Copy, scrape, reproduce, distribute, modify, or exploit website content except as expressly permitted by Skyline Benefit.

You are responsible for maintaining the confidentiality of any information you submit or receive and for promptly notifying Skyline Benefit of any inaccurate, outdated, or unauthorized information related to your request, application, or coverage.

7. Communications and Electronic Records

By providing your contact information, you authorize Skyline Benefit and its representatives to contact you regarding your inquiry, quotes, applications, enrollment, policy service, renewals, and related insurance matters by phone, email, mail, text message, or other communication methods, as permitted by law.

Message and data rates may apply to text messages. You may opt out of certain communications where required or permitted by law; however, opting out may affect our ability to provide service-related communications. Your consent to receive marketing text messages, if any, is not required as a condition of purchasing insurance products.

Where electronic signatures, electronic notices, online forms, or electronic records are made available, you agree that they may be used in connection with the Service, subject to applicable law and any additional disclosures or consents presented to you.

8. Privacy and Health Information

Our collection, use, disclosure, and protection of personal information are described in our Privacy Policy. By using the Service, you agree to review and be bound by our Privacy Policy as applicable.

Because Skyline Benefit assists with health insurance matters, information you submit may include personal, financial, or health-related information. Skyline Benefit may use and share information as reasonably necessary to respond to inquiries, provide quotes, assist with applications or enrollment, service coverage, comply with legal obligations, and perform agency services, subject to our Privacy Policy and applicable law.

Do not submit sensitive personal, financial, or health-related information through channels that are not intended for that purpose. If you believe information has been submitted in error, contact Skyline Benefit promptly.

9. Third-Party Websites, Carriers, and Marketplaces

The Service may contain links to third-party websites, applications, carriers, marketplaces, plan administrators, service providers, or other resources that are not owned or controlled by Skyline Benefit.

Skyline Benefit does not control and is not responsible for the content, privacy practices, security, terms, accuracy, availability, or practices of third-party websites or services. Your use of third-party websites and services is at your own risk and may be subject to separate terms and privacy policies.

Skyline Benefit does not warrant or endorse third-party offerings except to the extent Skyline Benefit expressly identifies an insurance product or service for discussion with you as part of its agency services.

10. Intellectual Property Rights

The Service, including website content, text, graphics, images, logos, trademarks, service marks, designs, and other materials, is owned by Skyline Benefit or its licensors and is protected by applicable intellectual property laws.

You may access and use the Service for personal, informational, and insurance-service purposes only. You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, transmit, or otherwise exploit any material from the Service without Skyline Benefit’s prior written permission, except as permitted by law.

11. Disclaimers

The Service and all information provided through the Service are provided on an “as is” and “as available” basis. Skyline Benefit makes reasonable efforts to provide helpful and accurate information, but we do not warrant that the Service will be uninterrupted, secure, error-free, virus-free, complete, current, or free from inaccuracies.

Insurance information can change frequently. Carrier rules, plan designs, provider networks, formularies, benefits, costs, eligibility standards, subsidy rules, and enrollment requirements may change without notice. You should verify important information with official carrier, marketplace, plan, or government sources before making decisions.

12. Limitation of Liability

To the fullest extent permitted by law, Skyline Benefit and its members, managers, employees, agents, representatives, contractors, service providers, and affiliates will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits, lost data, loss of goodwill, or business interruption arising out of or relating to your use of or inability to use the Service.

Nothing in these Terms is intended to exclude or limit liability that cannot lawfully be excluded or limited under applicable law.

13. Indemnification

You agree to defend, indemnify, and hold harmless Skyline Benefit and its members, managers, employees, agents, representatives, contractors, service providers, and affiliates from and against any claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to your violation of these Terms, your misuse of the Service, your violation of applicable law, or information you submit to Skyline Benefit.

14. Changes to the Service or Terms

Skyline Benefit may update, modify, suspend, or discontinue the Service or any part of the Service at any time, with or without notice. Skyline Benefit may also revise these Terms from time to time. The updated Terms will be effective when posted or otherwise made available, unless a different effective date is stated.

Your continued use of the Service after updated Terms are posted or made available means that you accept the updated Terms.

15. Governing Law and Venue

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Unless otherwise required by applicable law, any dispute arising out of or relating to these Terms or the Service will be brought in the state or federal courts located in Orange County, California, and you consent to the personal jurisdiction of those courts.

16. Severability and Waiver

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions will remain in full force and effect. Any failure by Skyline Benefit to enforce a provision of these Terms is not a waiver of Skyline Benefit’s right to enforce that provision later.

17. Accessibility

Skyline Benefit aims to make its website and communications accessible. If you have difficulty accessing any part of the Service or need assistance, please contact us using the information below so we can try to help.

18. Complaints and Regulatory Resources

If you have questions, concerns, or a complaint about these Terms or Skyline Benefit’s services, please contact us using the information below.

You may also contact the California Department of Insurance regarding insurance-related questions or complaints. For health information privacy concerns, you may contact the U.S. Department of Health and Human Services, Office for Civil Rights, as applicable. Skyline Benefit will not retaliate against any person for filing a good-faith complaint with Skyline Benefit or with an appropriate regulatory agency.

19. Contact Us

Skyline Benefit Insurance Solutions LLC
CA License #0M92208
1301 W Valencia Dr.
Fullerton, CA 92833
Phone: (714) 888-5112
Email: info@skylinebenefit.com

Regulatory resources: California Department of Insurance | HHS Office for Civil Rights