Terms & Conditions

Welcome to Nuera Health Insurance ("Nuera," "we," "our," or "us"). These Terms & Conditions ("Terms") govern your use of our website, landing pages, services, communications, software, artificial intelligence tools, and interactions with Nuera Health Insurance and its representatives. By accessing our website, submitting information, requesting insurance information, communicating with our agents, or using our services, you acknowledge that you have read, understand, and agree to these Terms and our Privacy Policy.

Eligibility

To use our website and services, you must:

  • Be at least eighteen (18) years of age.

  • Be located within the United States.

  • Provide truthful, accurate, and complete information.

  • Use our services only for lawful purposes.

By using our services, you represent that you meet these requirements

Independent Insurance Agency Disclosure

Nuera Health Insurance is an independent insurance agency.

Nuera is not:

  • The Health Insurance Marketplace®;

  • Medicare; Medicaid;

  • A federal government agency;

  • A state government agency.

IInsurance products are offered through licensed insurance agents and insurance carriers.

Product availability, pricing, benefits, underwriting decisions, and eligibility requirements are determined solely by the issuing carrier.

Not all plans are available in all states.

No Professional, Legal, or Tax Advice

Information provided through our website, advertisements, communications, educational materials, artificial intelligence systems, and representatives is provided for informational purposes only.

Nothing contained on our website or in our communications should be construed as legal, tax, financial, accounting, medical, or investment advice.

Consumers should consult qualified professionals regarding their specific circumstances.

Insurance Quotes and Coverage Information

Quotes, rates, premiums, benefits, and coverage information displayed or discussed are estimates based upon information available at the time provided.

Final pricing, eligibility, and coverage terms are determined solely by the insurance carrier.

Submission of information to Nuera does not guarantee

  • Eligibility;

  • Approval; Enrollment;

  • Specific premiums;

  • Specific benefits;

  • Coverage issuance.

Communications Consent

By submitting your information through our website, advertisements, landing pages, forms, surveys, social media pages, or any other communication channel, you expressly consent to be contacted by Nuera Health Insurance and its representatives.

Communications may include:

  • Telephone calls;

  • SMS and MMS messages;

  • Email communications;

  • Artificial intelligence-assisted calls;

  • Automated telephone dialing systems;

  • Prerecorded voice messages;

  • Appointment reminders;

  • Customer service communications;

  • Marketing communications.

Consent is not a condition of purchase.

You may revoke consent at any time by following the opt-out instructions described below

SMS Messaging Terms

By opting into SMS communications, you agree to receive text messages from Nuera.

These messages may include:

  • Appointment reminders;

  • Insurance-related communications;

  • Enrollment assistance;

  • Customer support updates;

  • Marketing communications

Message frequency may vary.

Message and data rates may apply.

To stop receiving messages, reply:

STOP

For assistance, reply:

HELP

You may also contact us directly to opt out of communications

Artificial Intelligence and Automated Systems

Nuera may utilize:

  • Artificial intelligence voice assistants;

  • Automated call systems;

  • Chatbots;

  • Virtual assistants;

  • Automated messaging systems.

These technologies may assist with:

  • Appointment scheduling;

  • Lead qualification;

  • Customer support;

  • Policy servicing;

  • Administrative functions.

By interacting with these systems, you acknowledge that you may be communicating with an automated system rather than a live representative.

Information exchanged through these systems may be recorded, stored, reviewed, and used for quality assurance, compliance, fraud prevention, customer service, and operational improvement purposes.

Call Recording Consent

Telephone calls with Nuera may be monitored or recorded for:

  • Quality assurance;

  • Training;

  • Compliance monitoring;

  • Fraud prevention;

  • Customer service purposes.

By communicating with Nuera, you consent to such monitoring and recording where permitted by applicable law.

User Responsibilities

You agree not to:

  • Provide false or misleading information;

  • Use our website for unlawful purposes;

  • Attempt to gain unauthorized access to systems or data;

  • Interfere with website functionality;

  • Copy, scrape, harvest, or reproduce website content without authorization;

  • Use Nuera content, data, or materials to train artificial intelligence systems without written permission.

Intellectual Property

All content appearing on Nuera websites and marketing materials, including:

  • Logos;

  • Branding;

  • Text;

  • Graphics;

  • Images;

  • Videos;

  • Software;

  • Designs;

  • Marketing materials;

are the property of Nuera Health Insurance or its licensors and are protected by applicable intellectual property laws.

Unauthorized use is prohibited.

Third-Party Websites and Services

Our website may contain links to third-party websites, carrier websites, enrollment platforms, or external resources.

Nuera is not responsible for:

  • Third-party content;

  • Third-party policies;

  • Third-party security practices;

  • Third-party products or services.

Your use of third-party websites is at your own risk.

Disclaimer of Warranties

All websites, services, content, communications, and technologies provided by Nuera are offered on an "AS IS" and "AS AVAILABLE" basis.

Nuera makes no guarantees regarding

  • Accuracy;

  • Completeness;

  • Availability;

  • Reliability;

  • Timeliness;

  • Suitability for a particular purpose.

We expressly disclaim all warranties to the fullest extent permitted by law.

Limitation of Liability

To the fullest extent permitted by law, Nuera Health Insurance, its owners, officers, employees, contractors, affiliates, and representatives shall not be liable for any indirect, incidental, consequential, punitive, or special damages arising from:

  • Website use;

  • Service interruptions;

  • Carrier decisions;

  • Coverage determinations;

  • Enrollment outcomes;

  • Third-party services;

  • Communication errors

In no event shall Nuera's total liability exceed one hundred dollars ($100).

Dispute Resolution and Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms, our services, communications, or your relationship with Nuera shall be resolved through binding arbitration.

Arbitration shall be conducted in Palm Beach County, Florida, under the rules of the American Arbitration Association (AAA).

The parties agree that arbitration shall be conducted solely on an individual basis.

Class actions, collective actions, representative actions, and jury trials are expressly waived.

Nothing herein prevents either party from pursuing claims in small claims court where permitted by law.

Governing Law

These Terms shall be governed by and construed under the laws of the State of Florida, without regard to conflict-of-law principles.

Any matter not subject to arbitration shall be brought exclusively in Palm Beach County, Florida

Changes to These Terms

Nuera reserves the right to modify these Terms at any time.

Updated Terms will be posted on our website with a revised effective date.

Continued use of our website or services after updates are posted constitutes acceptance of the revised Terms

Contact Information

Nuera Health Insurance

Website: www.nuerahealthinsurance.com

Email: [email protected]

Phone: (708) 712-5070

If you have questions regarding these Terms, please contact us using the information above.

Copyright 2026. Nuera Health Insurance . All Rights Reserved.