Effective Date: 02/24/26
Website: AlliedHealthLifeCoach.com
Business Name: Allied Health & Life Coach
Location: California, United States

1. Acceptance of Terms

These Terms of Service (“Terms”) govern your access to and use of AlliedHealthLifeCoach.com (the “Website”) and any services provided by Allied Health & Life Coach (“Company,” “we,” “our,” or “us”).

By accessing this Website, requesting a quote, submitting an insurance application, or otherwise engaging our services, you agree to be bound by these Terms. If you do not agree, you should not use this Website or our services.

2. Nature of Services

Allied Health & Life Coach operates as a licensed insurance broker. We are not an insurance carrier. We do not underwrite policies, assume risk, or guarantee coverage approval.

Our services include:

• Providing information about professional liability insurance
• Facilitating insurance quotes
• Submitting applications to authorized insurance carriers
• Assisting with policy placement and servicing

All insurance coverage is subject to carrier underwriting approval and the terms, conditions, limitations, and exclusions contained in the issued policy.

3. No Guarantee of Coverage

Submission of an application or payment does not guarantee:

• Approval of coverage
• Issuance of a policy
• Specific coverage terms
• Renewal of coverage

Coverage becomes effective only upon:

1. Written confirmation from the insurance carrier, and
2. Satisfaction of all underwriting and payment requirements.

4. Eligibility

You represent and warrant that:

• You are at least 18 years of age;
• You are legally authorized to operate your business;
• All information provided to us is true, accurate, and complete.

Providing false or misleading information may result in denial of coverage, policy rescission, or cancellation.

5. User Responsibilities

You agree to:

• Provide accurate and complete application information;
• Promptly notify us of material changes to your business operations;
• Review all policy documents carefully upon issuance;
• Maintain updated contact information;
• Comply with all applicable laws and licensing requirements.

You are solely responsible for determining whether a policy meets your professional needs.

6. Electronic Communications

By using our Website or communicating via email, you consent to receive communications electronically.

You acknowledge that:

• Email transmissions may not be fully secure;
• Applications submitted via email carry inherent transmission risks;
• It is your responsibility to use secure networks when transmitting sensitive information.

Official coverage confirmations will be provided in writing by the issuing carrier.

7. Intellectual Property

All Website content, including text, graphics, branding, layout, and design elements, is the property of Allied Health & Life Coach or its licensors and is protected by applicable intellectual property laws.

You may not:

• Reproduce
• Republish
• Modify
• Distribute
• Create derivative works

without prior written consent.

8. Disclaimer of Warranties

The Website and all content are provided “as is” and “as available” without warranties of any kind, either express or implied, including:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Availability or uninterrupted access

We do not warrant that:

• The Website will be error-free;
• Information is complete or current at all times;
• The Website will be free from harmful components.

Insurance coverage interpretations are governed solely by the language of the issued policy.

9. Limitation of Liability

To the fullest extent permitted by law, Allied Health Life Coach shall not be liable for:

• Indirect, incidental, special, or consequential damages;
• Loss of business, profits, or reputation;
• Coverage denial by an insurance carrier;
• Errors resulting from inaccurate information provided by the applicant.

Our total liability, if any, shall not exceed the amount of brokerage compensation received in connection with the specific policy at issue.

Nothing in these Terms limits liability where prohibited by law.

10. Regulatory Compliance

We operate in accordance with applicable:

• California insurance laws
• Multi-state insurance regulations (where licensed)
• Federal financial privacy laws

Insurance products may not be available in all states. Availability is subject to carrier authorization and licensing requirements.

11. Third-Party Links

The Website may contain links to third-party websites. We are not responsible for the content, security, or privacy practices of external websites.

Accessing third-party sites is at your own risk.

12. Privacy

Your use of the Website and services is also governed by our Privacy Policy, which describes how we collect, use, and safeguard information.

13. Indemnification

You agree to indemnify and hold harmless Allied Health Life Coach and its officers, employees, contractors, and agents from any claims, damages, liabilities, or expenses arising from:

• Your misuse of the Website;
• Your violation of these Terms;
• Inaccurate or incomplete information provided by you;
• Your professional services or business activities.

14. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.

Any disputes arising under these Terms shall be resolved in the state or federal courts located in California, and you consent to jurisdiction in those courts.

15. Modifications

We reserve the right to modify these Terms at any time. Updated Terms will be posted with a revised Effective Date.

Continued use of the Website constitutes acceptance of the revised Terms.

16. Contact Information

Allied Health & Life Coach
1100 W. Town & Country Road, Suite 1400
Orange, CA 92868
(800) 860-8330
info@councilsupport.com