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Terms Of Service

Effective Date: 01.09.2024

Welcome to Music City Health Advisors. These Terms of Service (“Terms”) outline the rules and regulations for using our services, including consultations, healthcare solutions, and ongoing support. By accessing or using our services, you agree to comply with and be bound by these Terms. If you do not agree to any part of these Terms, please refrain from using our services.

General Information

Music City Health Advisors is committed to providing healthcare advisory services, including personalized assessments, consultations, recommendations for direct issue policies, and ongoing support. Our mission is to make healthcare more accessible and transparent for individuals, families, and businesses.

Acceptance of Terms

By using our website or engaging in our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not accept these Terms, you should not use our services.

Direct Issue Policies

Music City Health Advisors specializes in guiding clients through the process of obtaining direct issue policies, which are health insurance plans issued directly by insurance providers to individuals, families, or businesses. Our services include:

  • Consultations: We offer personalized assessments to help identify the most suitable direct issue policy options based on your unique healthcare needs.
  • Policy Recommendations: After our assessment, we recommend direct issue policies that align with your specific requirements. Our goal is to help you secure coverage that is tailored to your situation.
  • Ongoing Support: Once you have secured a direct issue policy, we provide continuous support, including assistance with claim issues, policy renewals, and navigating the complexities of healthcare coverage.

Note: While we facilitate the process of selecting and securing direct issue policies, we do not provide or underwrite insurance coverage ourselves.

Client Responsibilities

As a client, you agree to:

  • Provide accurate and complete information during the consultation process.
  • Follow our recommended steps for securing and maintaining healthcare coverage.
  • Notify us of any changes to your health status, employment, or other factors that may affect your healthcare coverage.

Consultation Services

Our consultation services are intended to provide guidance and recommendations based on the information you provide. While we strive to offer the most suitable policy recommendations, we do not guarantee approval or specific outcomes from any insurance company or healthcare provider. The final decision regarding your healthcare coverage rests with you and the insurance provider.

Fees and Payment

Certain services may require fees, which will be communicated to you prior to service delivery. Payment terms will be discussed and agreed upon during the consultation process. Consultation fees, once paid, are non-refundable.

Privacy Policy

Your privacy is important to us. Our [Privacy Policy](link to Privacy Policy) explains how we collect, use, and protect your personal information. By using our services, you consent to the collection and use of information as outlined in the Privacy Policy.

Data Removal and Opt-Out

If you wish to be removed from our email lists or request the deletion of any saved personal information, please contact us at:

We will process your request promptly in accordance with our https://musiccityhealthadvisors.com/privacy-policy/  and applicable data protection laws.

Refund Policy

All fees for services rendered are non-refundable. If you have concerns about the services provided, please contact us at lauren@musiccityhealthadvisors.com to discuss any issues. We aim to provide satisfactory resolutions whenever possible.

 

Dispute Resolution

If a dispute arises related to our services, we encourage you to contact us directly to seek a resolution. If a resolution cannot be reached, both parties agree to submit to mediation before taking any formal legal action.

Intellectual Property

All content on our website, including text, graphics, logos, and other materials, is the intellectual property of Music City Health Advisors and is protected by applicable copyright laws. You may not reproduce, distribute, or use any content without prior written permission.

Limitation of Liability

Music City Health Advisors is not liable for any losses or damages resulting from your use of our services, including errors in healthcare plan recommendations, claim denials, or issues related to healthcare providers. Our services are advisory in nature, and final decisions regarding healthcare coverage rest with you and your chosen provider.

Indemnification

You agree to indemnify and hold Music City Health Advisors harmless from any claims, liabilities, damages, losses, or expenses, including legal fees, arising out of your use of our services or violation of these Terms.

Changes to the Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting to our website. Your continued use of our services after changes have been made constitutes acceptance of the new Terms.

Governing Law

These Terms are governed by and construed in accordance with the laws of the state of Tennessee. Any disputes arising from these Terms or your use of our services will be subject to the exclusive jurisdiction of the courts in Nashville, Tennessee.

Contact Information

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