Terms & Conditions

1. Acceptance of Terms

By accessing or using the website at rjprimehealth.com, submitting any quote request form, or engaging with any advertisement operated by Prime Health Consultants, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use our website or submit any forms.

2. Services Described

Prime Health Consultants is a licensed independent insurance brokerage (NPN: 18786340) that assists individuals, families, and small businesses in identifying and enrolling in private health insurance plans. We are not affiliated with any government marketplace or ACA exchange. We do not sell or endorse any specific carrier; we provide independent guidance based on your needs.

Nothing on this website constitutes a binding insurance contract, guarantee of coverage, or guarantee of premium pricing. All quotes are estimates based on information you provide and are subject to carrier underwriting and approval.

3. Lead Form & Data Submission Terms

When you submit a quote request form — whether on our website or through a Google Ads lead form — the following terms apply:

• •Your information will be used only for the limited purpose of providing you with a health insurance consultation and quote.
• •We will not sell your information to any third party or data broker.
• •We will not use your information to spam you with unsolicited communications unrelated to your insurance inquiry.
• •You consent to be contacted by phone, email, or text message at the contact information you provide.
• •You represent that you are at least 18 years of age and that the information you provide is accurate.

4. Google Ads Lead Form Webhook Terms

Prime Health Consultants may use Google's lead form webhook to receive lead data submitted through Google Ads lead forms. By submitting a lead form through a Google Ad, you acknowledge:

• •We will comply with all webhook instructions provided by Google, including properly configuring an endpoint to handle POST requests.
• •Google is not responsible for errors resulting from misconfiguration of the webhook endpoint.
• •The webhook is provided by Google in beta form. Google may discontinue, deprecate, or change the webhook at any time without notice.
• •Google does not guarantee availability, delivery of data, or technical support for the webhook.
• •Our use of the webhook is governed by the Google API Terms of Service (developers.google.com/terms) together with these Terms.

5. No Guarantee of Coverage or Pricing

All plan descriptions, premium estimates, and coverage comparisons displayed on this website are for informational purposes only. Actual premiums vary based on age, zip code, health history, and carrier underwriting decisions. Prime Health Consultants makes no guarantee that any specific plan will be available to you or at the price shown. Final coverage terms are determined solely by the insurance carrier.

6. Intellectual Property

All content on this website — including text, graphics, logos, and design — is the property of Prime Health Consultants or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.

7. Disclaimer of Warranties

This website and its content are provided "as is" without warranty of any kind, express or implied. Prime Health Consultants does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We disclaim all warranties to the fullest extent permitted by law.

8. Limitation of Liability

To the maximum extent permitted by law, Prime Health Consultants shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or reliance on any information provided herein. Our total liability for any claim shall not exceed the amount paid by you, if any, for services rendered.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts of Broward County, Florida.

10. Changes to These Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with a revised effective date. Your continued use of the website after changes are posted constitutes your acceptance of the updated Terms.

11. Contact