Terms of Service
These Terms of Service (“Terms”) govern your use of the website and services provided by COBRA Clarity LLC (“COBRA Clarity,” “we,” “us,” or “our”), including the COBRA Clarity report (the “Service”). By accessing our website or purchasing a report, you agree to these Terms. If you do not agree, please do not use the Service.
1. What the Service Is
COBRA Clarity provides a personalized, informational decision-support report comparing COBRA continuation coverage against ACA marketplace health insurance options for individuals losing employer-sponsored coverage. The report is based on the information you provide and on publicly available subsidy guidelines and benchmark premium data.
2. Not Insurance, Legal, Tax, or Financial Advice
The Service is an educational and decision-support tool only. COBRA Clarity is not an insurance broker, agent, carrier, or producer, and is not a law firm, accounting firm, or financial advisor. Nothing in your report constitutes insurance, legal, tax, or financial advice, and no advisor-client, agent-client, or fiduciary relationship is created by your use of the Service.
Reports contain estimates and general guidance. Actual premiums, subsidy eligibility, plan availability, deadlines, and coverage terms are determined solely by the applicable insurer, the health insurance marketplace, your former employer’s plan, and governing law. You are responsible for verifying all information and for your own coverage decisions. Always confirm final details at Healthcare.gov, with your plan administrator, or with a licensed broker before enrolling or declining coverage.
3. Your Responsibilities
You agree to provide accurate and complete information when requesting a report. The quality and relevance of your report depend on the accuracy of what you submit. You are responsible for meeting any COBRA election or marketplace enrollment deadlines that apply to you; the Service does not enroll you in any plan and cannot extend or toll any deadline.
4. Payment
Reports are offered for a one-time fee as described at checkout. Payments are processed by our third-party payment provider (Gumroad). By purchasing, you authorize the applicable charge. HR and employer credit packs, where offered, are governed by these Terms and any additional terms presented at purchase.
5. Refund Policy
We stand behind the Service with a satisfaction guarantee: if your report doesn’t help you make a confident decision, email us for a full refund. To request a refund, contact us at hello@cobraclarityreport.com with the name and email used at checkout. Refunds are issued to the original payment method.
6. Delivery
Reports are typically delivered by email within two business days of a completed submission. Delivery times are estimates and not guarantees. Please check your spam folder if you do not see your report, and contact us if it does not arrive.
7. Intellectual Property
All content, report templates, software, branding, and materials associated with the Service are owned by COBRA Clarity LLC and are protected by applicable intellectual property laws. Your report is provided for your personal, individual use. HR and employer purchasers may distribute individual report access to their own employees as intended, but may not resell, republish, or redistribute the Service or its templates without our written permission.
8. Disclaimer of Warranties
The Service is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that any estimate or recommendation will match your actual outcome.
9. Limitation of Liability
To the fullest extent permitted by law, COBRA Clarity LLC and its owner will not be liable for any indirect, incidental, consequential, special, or punitive damages, or for any loss arising from a coverage decision you make. Our total liability for any claim relating to the Service will not exceed the amount you paid for the report giving rise to the claim.
10. Indemnification
You agree to indemnify and hold harmless COBRA Clarity LLC and its owner from any claims, losses, or expenses arising out of your misuse of the Service or your violation of these Terms.
11. Changes to These Terms
We may update these Terms from time to time. The “Last updated” date above reflects the most recent version. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
12. Governing Law
These Terms are governed by the laws of the State of New Hampshire, without regard to its conflict-of-laws principles. Any dispute arising under these Terms will be subject to the exclusive jurisdiction of the state and federal courts located in New Hampshire.
13. Contact
Questions about these Terms? Email us at hello@cobraclarityreport.com.