Terms & Conditions

Last Updated: November 2025

Welcome to Pro ACA Insurance Guide, owned and operated by Pro Leads Provider LLC (“we,” “our,” “us”). These Terms & Conditions (“Terms”) govern your access to and use of our website, services, and any information you submit through this platform.

By using this website, you agree to be bound by these Terms. If you do not agree, please discontinue use of the site.

1. Our Service

Pro ACA Insurance Guide is a lead generation platform that connects consumers with licensed health insurance agents or brokers who can assist with Affordable Care Act (ACA) health plan options.

We are not:

  • A government agency

  • Healthcare.gov

  • The federal Health Insurance Marketplace

  • A health insurance provider

  • A broker or licensed insurance agency

We do not provide insurance quotes ourselves. Instead, we facilitate connections with trusted partners who can legally assist with ACA enrollment.

2. Eligibility

By using this website, you represent that:

  • You are at least 18 years old

  • The information you provide is accurate and truthful

  • You are legally authorized to receive health insurance guidance in the United States

3. User Responsibilities

You agree not to:

  • Submit false or misleading information

  • Use this website for unlawful activities

  • Attempt to interfere with website functionality

  • Use automated tools (bots, scrapers) without permission

Submitting accurate information ensures you receive correct eligibility results and reduces compliance risks.

4. No Government Affiliation

Pro ACA Insurance Guide is privately owned and is not affiliated, endorsed, or operated by the U.S. Government, the Department of Health & Human Services, or any federal or state marketplace.

5. How Your Information Is Used

By submitting your information, you authorize:

  • Pro Leads Provider LLC

  • Our licensed insurance partners

  • Our service providers

to contact you for ACA insurance assistance.

We may share your information with licensed agents or brokers solely for the purpose of providing help with ACA plan enrollment.

Please review our Privacy Policy for full details on how your information is collected, used, and stored.

6. TCPA Consent

By providing your phone number and submitting any form on this site, you expressly consent to receive:

  • Phone calls

  • SMS/text messages

  • Automated or pre-recorded communications

from Pro Leads Provider LLC and licensed ACA partners.

Message and data rates may apply.
Consent is not a condition of purchase.
You may revoke consent anytime by replying STOP to any text message.

7. Third-Party Services & Links

Our website may include links to third-party websites.
We are not responsible for:

  • The content

  • The accuracy

  • The privacy practices

of any external website or service.

8. Intellectual Property

All content on this site—text, logos, branding, layout, graphics—is the property of Pro Leads Provider LLC and is protected by copyright and trademark laws.

You may not:

  • Copy

  • Reproduce

  • Modify

  • Distribute

any content without our written permission.

9. Disclaimer of Warranties

This website is provided “as is” without warranties of any kind, including but not limited to:

  • Fitness for a particular purpose

  • Accuracy of information

  • Availability

  • Reliability

We do not guarantee that you will qualify for ACA coverage or receive any specific premium amount.

10. Limitation of Liability

To the fullest extent permitted by law, Pro Leads Provider LLC will not be liable for:

  • Errors in information provided by you or third parties

  • Decisions made based on content on this site

  • Denied coverage or eligibility results

  • Technical issues, outages, or website errors

  • Communications from partner agents or brokers

Your use of this website is at your own risk.

11. Indemnification

You agree to indemnify and hold harmless Pro Leads Provider LLC, its partners, employees, and agents from any claims arising from:

  • Your misuse of the website

  • Your violation of these Terms

  • Your interactions with third-party insurance agents

12. Changes to These Terms

We may update these Terms at any time.
Changes will be posted with a new “Last Updated” date.
Continued use of the website constitutes acceptance of updated Terms.

13. Contact Information

If you have questions about these Terms, contact us at:

📧 Email: quotes@proacainsuranceguide.com
📞 Phone: +1 667-262-4526
🏢 Pro Leads Provider LLC

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