Terms of Use

1. About This Website

This website is operated by Holloway Benefits Group ("HBG," "we," "us," or "our").

The website provides general information about insurance products, benefits, coverage options and services offered or discussed by Holloway Benefits Group.

Information presented on this website is intended for general informational and educational purposes and should not be considered a guarantee of coverage, eligibility, benefits, pricing or enrollment.

2. No Guarantee of Coverage

Insurance availability, eligibility, premiums, benefits, provider networks, formularies, deductibles, copayments, coinsurance and other plan details may vary by carrier, product, location, eligibility and other factors.

Information displayed or discussed on this website does not constitute an offer, binder or guarantee of insurance coverage.

Coverage becomes effective only in accordance with the applicable insurance carrier's requirements, application process, eligibility rules, enrollment procedures and policy or plan documents.

3. Insurance Information

Holloway Benefits Group strives to provide helpful and accurate information. However, insurance products, regulations, carrier offerings and plan details can change.

Website information may not reflect every available plan, benefit, limitation, exclusion, network change or regulatory update.

4. Quotes and Estimates

Any premium, benefit, subsidy, tax-credit or other estimate provided through this website or during an initial insurance discussion is subject to verification.

Final premiums, financial assistance, eligibility and coverage terms may depend on information supplied during an application and determinations made by insurance carriers, government agencies, marketplaces or other applicable organizations.

A quote or estimate does not guarantee enrollment, eligibility or issuance of coverage.

5. Medicare Information

Medicare-related information provided through this website is intended to help consumers understand available types of Medicare coverage and insurance options.

Plan availability, benefits, premiums, formularies, pharmacies, provider networks and service areas may change. Consumers should review current plan information and applicable plan documents before making an enrollment decision.

Holloway Benefits Group is an insurance agency and is not the federal Medicare program or a government agency.

6. Marketplace and Financial Assistance

Information concerning Marketplace coverage, premium tax credits, cost-sharing reductions or other financial assistance is provided for general informational purposes.

Eligibility for financial assistance is determined under applicable federal and state rules and may depend on household income, household composition, access to other coverage and other eligibility factors.

Consumers are responsible for providing complete and accurate information when applying for coverage or financial assistance.

7. No Tax, Legal or Financial Advice

Nothing on this website should be interpreted as legal, tax, accounting or investment advice.

Insurance decisions can have financial or tax implications. You should consult an appropriately qualified professional regarding legal, tax, accounting or investment matters specific to your circumstances.

8. Website Forms and Communications

Submitting a contact form, quote request, email, telephone number or other information through this website authorizes Holloway Benefits Group to respond to your request using the contact information you provide.

Submitting information through the website does not create an insurance contract, guarantee coverage or obligate you to purchase an insurance product.

9. Your Responsibilities

When using this website or requesting insurance assistance, you agree to provide information that is accurate and complete to the best of your knowledge.

You are responsible for reviewing applications, enrollment information, insurance documents and plan materials for accuracy.

You should promptly notify Holloway Benefits Group, the applicable carrier, Marketplace or other appropriate organization if information relevant to your coverage changes.

10. Third-Party Websites and Services

This website may contain links to websites or services operated by insurance carriers, government agencies, enrollment platforms, social media providers and other third parties.

These links are provided for convenience and informational purposes. Holloway Benefits Group does not control independent third-party websites and is not responsible for their content, availability, security, accuracy or privacy practices.

Your use of a third-party website is subject to that organization's terms and policies.

11. Intellectual Property

Unless otherwise indicated, the content and materials created for this website, including text, design elements, graphics, logos and branding, are owned by or licensed to Holloway Benefits Group.

Website content may not be copied, reproduced, distributed, republished or commercially exploited without permission, except as permitted by applicable law.

Third-party trademarks, carrier names and logos remain the property of their respective owners.

12. Acceptable Use

You agree not to misuse this website or interfere with its operation or security.

Prohibited activities include attempting unauthorized access, introducing malicious software, using automated systems in a manner that disrupts the website, or using website content for unlawful purposes.

13. Website Availability

We may modify, update, suspend or discontinue portions of this website at any time.

We do not guarantee that the website will always be available, uninterrupted, error-free or free from harmful components.

14. Disclaimer of Warranties

To the extent permitted by applicable law, this website and its content are provided on an "as is" and "as available" basis.

Holloway Benefits Group makes no warranty that website information will always be complete, current, error-free or suitable for every individual's circumstances.

15. Limitation of Liability

To the extent permitted by applicable law, Holloway Benefits Group will not be liable for indirect, incidental, consequential, special or punitive damages arising from or related to use of, or inability to use, this website.

Nothing in these Terms of Use is intended to exclude or limit liability that cannot lawfully be excluded or limited.

16. Privacy

Our collection and use of information through this website is also governed by our Privacy Policy.

Please review the Privacy Policy for information about the types of information we may collect and how that information may be used or shared.

17. Changes to These Terms

Holloway Benefits Group may update these Terms of Use periodically to reflect changes to the website, services, business practices or applicable requirements.

Updated terms will be posted on this page. Continued use of the website after updated terms are posted constitutes acceptance of the revised Terms of Use.

18. Governing Law

These Terms of Use are intended to be governed by the laws applicable in the Commonwealth of Virginia, without regard to conflict-of-law principles, except where applicable federal law provides otherwise.