If you believe you are experiencing a medical emergency, please call 911.

Effective Date: 09-01-2024

1. Acceptance of Terms By accessing or using PPODirect.com (the “Website”), you agree to comply with and be bound by these Terms of Service (“Terms”) and privacy policy. If you do not agree to these Terms, please refrain from using the Website.

2. Your Information By accessing or using PPODirect.com (the “Website”), you agree and understand your information will never be sold or provided to a third party other than the insurance company you choose at the time of application in you choose to enroll and that of law enforcement request.

3. Scope of Services PPO Direct provides health insurance information, resources, and consultation services to assist users in selecting appropriate health insurance plans that best match them. We do not provide medical, tax or legal advice. All decisions related to health insurance plans are the sole responsibility of the user and PPO Direct can not and will not be held liable. We have access to several companies that offer health coverage and major medical plans. We help with application completion for external companies on their health plans that they offer, your health plan will not be provided by PPO Direct but we will be your agent and you can contact PPO Direct with any help you might need with the plan you choose to go with.

4. Eligibility You must be at least 18 years old to use this Website. By using the Website, you represent that you meet this eligibility requirement.

5. User Accounts (a) Account Creation: To access certain features, you may be required to create an account or provide your contact information. You agree to provide accurate and complete information during registration. (b) Account Security: You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. (c) Account Termination: We reserve the right to suspend or terminate accounts for violations of these Terms or for any other reason at our sole discretion.

6. Use of Website (a) Permitted Use: The Website is for personal, non-commercial use only. (b) Prohibited Activities: You agree not to:

Misuse or abuse the Website’s services.

Attempt to access or use another user’s account without permission.

Engage in any activity that disrupts or interferes with the Website’s functionality.

Upload viruses, malware, or any other harmful code.

Use the Website for unlawful or fraudulent purposes.

7. Intellectual Property (a) Ownership: All content, trademarks, and materials on the Website are owned by PPO Direct or its licensors. (b) Limited License: You are granted a non-exclusive, non-transferable license to use the Website for its intended purposes. (c) Restrictions: You may not reproduce, distribute, modify, or create derivative works from Website content without prior written consent.

8. Disclaimer of Warranties (a) The Website and its services are provided “as is” and “as available” without warranties of any kind, either express or implied. (b) PPO Direct does not guarantee the accuracy, reliability, or completeness of the information provided on the Website. You might have access to the Website and our services might not be offered in your country or state, this does not make PPO Direct liable.

9. Limitation of Liability To the maximum extent permitted by law, PPO Direct and its affiliates are not liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising from your use of the Website.

10. Indemnification You agree to indemnify, defend, and hold harmless PPO Direct, its officers, directors, employees, and agents from any claims, liabilities, damages, and expenses, including reasonable attorney’s fees, arising out of your use of the Website or violation of these Terms.

11. Third-Party Links The Website may contain links to third-party websites. PPO Direct is not responsible for the content, policies, or practices of any third-party websites.

12. Privacy Policy Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy to understand our data collection and usage practices.

13. Governing Law These Terms are governed by and construed in accordance with the laws of The State of Texas, County of Collin without regard to its conflict of law principles.

14. Dispute Resolution (a) Arbitration: Any disputes arising out of or related to these Terms will be resolved through binding arbitration under the rules of Arbitration Organization. (b) Venue: The arbitration will take place in Texas. (c) Class Action Waiver: You agree to resolve disputes on an individual basis and waive the right to participate in a class action.

15. Modification of Terms PPO Direct reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting on the Website. Your continued use of the Website constitutes acceptance of the updated Terms.

16. Termination We reserve the right to terminate or restrict your access to the Website at any time, without notice, for any reason.

17. Contact Information For questions or concerns about these Terms, please contact us at:

PPO Direct

621 E Princeton Dr #1357

Princeton, Texas 75407

[email protected]

(888) 411-4776

18. Miscellaneous (a) Entire Agreement: These Terms constitute the entire agreement between you and PPO Direct regarding the use of the Website. (b) Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect. (c) Waiver: Failure to enforce any provision of these Terms will not constitute a waiver of that provision or any other provision.