Terms and Conditions
Effective Date: December 12, 2025
Welcome to IBN360 (“IBN360,” “we,” “us,” or “our”).
By accessing or using our website, services, forms, or scheduling tools, you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree, please do not use our website or services.
1. About IBN360
IBN360 is a health coverage navigation platform designed to help individuals and families explore health coverage options with guidance from licensed specialists.
IBN360 is not a health insurance carrier, broker, or provider.
IBN360 does not underwrite, issue, or administer insurance policies.
All coverage discussions, quotes, recommendations, and enrollments are handled by independent licensed specialists.
2. Eligibility to Use the Website
You must be:
At least 18 years old
Legally capable of entering into agreements
A resident of a state where services are available
Services are not available in:
WA, OR, HI, AK, MN, MD, VT, NH
3. No Insurance or Medical Advice
Information provided on this website is for general informational purposes only and should not be considered:
Medical advice
Insurance advice
Legal or financial advice
IBN360 does not guarantee coverage availability, pricing, acceptance, or outcomes. Final decisions are made solely between you and the licensed specialist.
4. User Responsibilities
By using this website, you agree to:
Provide accurate and truthful information
Use the website for lawful purposes only
Not misuse, interfere with, or disrupt site functionality
Not submit false, misleading, or fraudulent information
You are responsible for verifying all coverage details directly with the licensed specialist.
5. Appointments and Communications
When you request to:
Schedule an appointment
Speak with a specialist
Request pricing or coverage information
You consent to be contacted by phone, text, or email by IBN360 or licensed specialists for service-related communications.
Message and data rates may apply.
6. No Guarantee of Coverage or Pricing
IBN360 does not guarantee:
Approval for coverage
Specific plan availability
Pricing, benefits, or acceptance
Enrollment outcomes
Coverage availability, rates, and benefits vary by state, carrier, and individual circumstances.
7. Third-Party Services
IBN360 may connect you with third-party licensed specialists or service providers.
IBN360 is not responsible for:
Acts or omissions of third parties
Advice or recommendations given by licensed specialists
Coverage decisions, claims, or disputes
Your relationship with a licensed specialist is independent of IBN360.
8. Intellectual Property
All content on this website, including but not limited to:
Text
Graphics
Logos
Layouts
Videos
Software
Is the property of IBN360 and protected by applicable copyright and trademark laws.
You may not copy, reproduce, distribute, or modify content without written permission.
9. Privacy
Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information in compliance with California CCPA/CPRA laws.
10. Disclaimer of Warranties
This website and services are provided “as is” and “as available.”
IBN360 makes no warranties, express or implied, including but not limited to:
Accuracy of information
Availability of services
Fitness for a particular purpose
Uninterrupted or error-free access
11. Limitation of Liability
To the fullest extent permitted by law, IBN360 shall not be liable for:
Indirect, incidental, or consequential damages
Loss of data, income, or opportunities
Decisions made based on information obtained through the website
Your sole remedy for dissatisfaction is to stop using the website.
12. Indemnification
You agree to indemnify and hold harmless IBN360, its affiliates, partners, and representatives from any claims, damages, or liabilities arising from:
Your use of the website
Your violation of these Terms
Your interactions with licensed specialists
13. Termination of Use
IBN360 reserves the right to suspend or terminate access to the website at any time, without notice, for violations of these Terms or misuse of the platform.
14. Governing Law
These Terms are governed by and interpreted under the laws of the State of California, without regard to conflict of law principles.
Any disputes shall be resolved exclusively in courts located within California.
15. Changes to These Terms
IBN360 may update these Terms at any time. Updates will be posted on this page with a revised effective date. Continued use of the website constitutes acceptance of the updated Terms.
16. Contact Information
For questions regarding these Terms, contact:
IBN360
📧 Email: [email protected]
📞 Phone: 1-888-378-9012
Important Disclosure
IBN360 is a health coverage navigation platform.
IBN360 is not a health insurance carrier.
All coverage discussions, quotes, and enrollments are handled by licensed specialists.
Coverage availability, rates, and benefits vary by state.