Welcome to Sauber Insurance! These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our website.

1. Introduction

Sauber Insurance operates as a health insurance broker, providing information, comparison tools, and assistance with enrolling in health insurance plans. We act as an intermediary between you and various insurance carriers.

2. Acceptance of Terms

By using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the website after any such changes constitutes your acceptance of the new Terms.

3. Services Provided

We offer the following services:

• Information: General information about health insurance plans, types, and concepts.

• Comparison Tools: Tools to compare different health insurance plans from various carriers.

• Brokerage Services: Assistance with understanding, selecting, and applying for health insurance plans.

• Support: Customer support for inquiries related to our services and the application process.

Please Note: We do not underwrite insurance policies, nor do we make coverage decisions. All insurance policies are underwritten and issued by third-party insurance carriers. Our role is to facilitate your understanding and application for these policies.

4. User Responsibilities

As a user of our website, you agree to:

• Provide accurate, current, and complete information when requested.

• Use the website and services only for lawful purposes and in accordance with these Terms.

• Maintain the confidentiality of any account credentials you may have.

• Understand that any insurance policy you purchase is a contract between you and the insurance carrier, not with Sauber Insurance.

• Review all policy documents provided by the insurance carrier carefully before making a decision.

5. Disclaimers

• Information Accuracy: While we strive to provide accurate and up-to-date information, we do not guarantee the completeness, reliability, or accuracy of any information on our website. Insurance plan details, prices, and availability can change rapidly.

• Not Financial or Legal Advice: The information provided on this website is for general informational purposes only and does not constitute financial, legal, or medical advice. You should consult with a qualified professional for specific advice tailored to your situation.

• No Guarantee of Coverage: Our services do not guarantee that you will be approved for any insurance policy or that any particular policy will meet your specific needs.

• Third-Party Links: Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these third-party sites.

6. Limitation of Liability

To the fullest extent permitted by law, Sauber Insurance, its affiliates, officers, directors, employees, agents, and licensors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the website; (ii) any conduct or content of any third party on the website; (iii) any content obtained from the website; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

7. Indemnification

You agree to indemnify and hold harmless Sauber Insurance and its affiliates, officers, agents, and employees from and against any claims, liabilities, damages, losses, and expenses, including, without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of the website or your violation of these Terms.

8. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Sauber Insurance or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content without our express written permission.

9. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of [Your State/Country], without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in [Your City, Your State/Country], and you hereby consent to the personal jurisdiction and venue therein.

10. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will remain in full force and effect.

11. Entire Agreement

These Terms and our Privacy Policy constitute the entire agreement between you and Sauber Insurance regarding your use of the website and services.

12. Contact Information

If you have any questions about these Terms, please contact us at:

sylvia@sauberinsurance.com

Last Updated: July 1, 2025