Terms & Conditions
Website Terms and Conditions
Thank you for visiting the Affordable Insurance Plans website located at https://2ppo.com (the "Site"). The Site is an Internet property of Convert IQ, LLC ("Company," "we," "our" or "us"). The following Website Terms and Conditions ("Terms and Conditions") are inclusive of the Privacy Policy and any and all other applicable operating rules, policies, price schedules and other supplemental terms and conditions or documents that may be published from time to time, which are expressly incorporated herein by reference (collectively, the "Agreement").
Each end-user visitor to the Site ("User," "you" or "your") agrees to the terms of the Agreement, in their entirety, when she/he: (a) accesses or uses the Site; (b) accesses and/or views any of the: (i) links to third-party health insurance-related resources and other information ("Third-Party Links"); and/or (ii) blog posts, text, video and/or other information pertaining to health insurance-related products and/or services made available on the Site (the "Informational Content," and together with the Third-Party Links, the "Content"); (c) accesses the comments sections associated with the blog posts and/or other interactive features made available on the Site ("Interactive Services"); and/or (d) utilizes the various contact forms and/or contact information made available on the Site as a means to contact directly, or request to be contacted by, Company and/or Company's third-party health insurance-related product and/or service providers, and online aggregators ("Third-Party Service Providers") (collectively, the "Contact Services," and together with the Site, Content and Interactive Services, the "Site Offerings").
PLEASE REVIEW THE TERMS OF THE AGREEMENT CAREFULLY. IF A USER DOES NOT AGREE WITH THE TERMS OF THE AGREEMENT IN THEIR ENTIRETY, THAT USER IS NOT AUTHORIZED TO USE THE SITE OFFERINGS IN ANY MANNER OR FORM.
THE AGREEMENT CONTAINS DISCLAIMERS OF WARRANTIES, LIMITATIONS OF LIABILITY, RELEASES, A CLASS-ACTION WAIVER, AND THE REQUIREMENT TO ARBITRATE ANY AND ALL CLAIMS THAT MAY ARISE HEREUNDER AGAINST COMPANY, AS WELL AS ITS PARENT, SUBSIDIARIES, RELATED PARTIES, THIRD-PARTY SERVICE PROVIDERS AND MARKETING PARTNERS (COLLECTIVELY, "COVERED PARTIES"), WHO ARE EXPRESS THIRD-PARTY BENEFICIARIES OF THE MANDATORY ARBITRATION PROVISION. THE AFOREMENTIONED PROVISIONS ARE AN ESSENTIAL BASIS OF THE AGREEMENT.
Please be advised that Company does not itself offer health insurance-related products and/or services, and the ultimate terms and conditions of any health insurance-related products and/or services made available via the Contact Services will be determined by the applicable Third-Party Service Providers.
Reliance on any information made available to you by and through the Site Offerings, including the Content, is solely at your own risk. Company disclaims any and all liability for any loss, damage or injury based on information directly or indirectly obtained through the Site Offerings.
1. Scope; Modification of Agreement
The Agreement constitutes the entire and only agreement between Users and Company with respect to Users' use of the Site Offerings, and supersedes all prior or contemporaneous agreements, representations, warranties and/or understandings with respect to same. Company may amend the Agreement from time to time in its sole discretion, without specific notice to Users; provided, however, that any amendment or modification to the arbitration provisions, prohibition on class action provisions or any other provisions applicable to dispute resolution (collectively, "Dispute Resolution Provisions") shall not apply to any disputes incurred prior to the applicable amendment or modification. The latest Agreement will be posted on the Site, and Users should review the Agreement prior to using any Site Offerings. By a User's continued use of the Site Offerings, that User hereby agrees to comply with all of the terms and conditions contained within the Agreement effective at that time.
2. Requirements; Termination of Access
The Site Offerings are available only to individuals who can enter into legally binding contracts under applicable law. The Site Offerings are not intended for use by individuals under eighteen (18) years of age (or the applicable age of majority, if greater than eighteen (18) years of age in their respective jurisdiction). If a User is under eighteen (18) years of age and/or if that User is unable to enter into legally binding contracts under applicable law, that User does not have permission to use and/or access the Site Offerings. Company may terminate a User's access to the Site Offerings at any time for any reason, in its sole discretion.
3. Contact Services and TCPA Consent
Where a User attempts to utilize the Contact Services, that User may be required to submit, and Company may collect, some or all of the following information: (a) the User's e-mail address; (b) the User's full name; (c) the User's telephone number; and (d) any other information collected via the applicable Contact Services form (collectively, "Contact Data").
Upon entering Contact Data and clicking on the applicable submission button on the Site:
- Company may pass your Contact Data along to one (1) or more of Company's marketing partners and/or affiliates (collectively, "Marketing Partners"), and/or Third-Party Service Providers;
- You may be contacted by Company and/or one (1) or more Marketing Partners and/or Third-Party Service Providers regarding your request; and/or
- You may be contacted by one (1) or more Marketing Partners with third-party offers that Company feels may be of interest to you.
TCPA Consent
Without limiting the foregoing in any way, where you provide "prior express written consent" within the meaning of the Telephone Consumer Protection Act (47 USC § 227), and its implementing regulations adopted by the Federal Communications Commission (47 CFR § 64.1200), as amended from time-to-time ("TCPA"), you may be contacted by Company and/or one (1) or more of its designated Third Party Service Providers regarding your request via telephone, including artificial voice calls, pre-recorded messages, automated telephone dialing systems, and SMS text messaging, even if the number you provide is on a company, state or Federal Do Not Call registry.
Please be advised that Company does not itself offer health insurance-related products and/or services, and the ultimate terms and conditions of any health insurance-related products and/or services made available via the Contact Services will be determined by the applicable Third-Party Service Providers. You understand and agree that Company shall not be liable to you or any third party for any products and/or services offered by any Third-Party Service Providers.
4. Non-Endorsement; Passive Conduit
(a) Company does not sponsor, recommend or endorse any Marketing Partner and/or Third-Party Service Provider that is accessible by or through the Contact Services and/or other Site Offerings. The Third-Party Service Providers that are accessible by and through the Contact Services pay a fee for access to the Users that utilize the Contact Services. Company does not guarantee that Users will successfully find health insurance-related products and/or services through use of the Site Offerings.
(b) Please use caution and common sense when using the Site Offerings. Company in no way endorses the content or legality of any responses, statements or promises made by any Third-Party Service Providers, Marketing Partners and/or any other parties featured on the Site or otherwise through the Site Offerings.
(c) The determination of the need for health insurance-related products and/or services and the choice of health insurance-related service providers are extremely important decisions and should not be based solely on advertisements or claims of expertise offered by any Third-Party Service Provider. Company does not review the standing of any Third-Party Service Provider with any regulatory authority and/or governmental agency.
(d) Company does not involve itself in the agreements between Users and Third-Party Service Providers and/or Marketing Partners, or any relationships created thereby. Each User, and not Company, is solely responsible for assessing the competency, trustworthiness, honesty and integrity of all Third-Party Service Providers and/or Marketing Partners that the User communicates with via the Contact Services and/or other Site Offerings.
5. Content; Third-Party Links
The Site contains Content which includes, but is not limited to, text, video and other information pertaining to health insurance-related products and/or services, as well as regularly updated Third-Party Links. The Content is offered for informational purposes only and is at all times subject to the disclaimers contained herein, and on the Site.
6. Interactions
Users are solely responsible for their interactions with Marketing Partners, Third-Party Service Providers and other third-parties. Because Company is not involved in User interactions, in the event that you have a dispute with one or more Marketing Partners, and/or Third-Party Service Providers and/or other third-parties, you hereby release Company from any and all claims, demands and/or damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of, or in any way connected with, such disputes.
7. Interactive Services
Subject to the restrictions contained herein, the Interactive Services may allow Users to post comments, and engage in other interactive communication, by and through the Site Offerings. In connection with the Interactive Services, each User shall be solely responsible for the comments, opinions, statements, offers, propositions, feedback and other content (collectively, "Feedback") posted by and through the Interactive Services. Company reserves the right to prohibit any conduct by Users, or to remove any materials or Feedback posted by Users by and through the Interactive Services, that Company deems, in its sole and absolute discretion, to be in violation of the Agreement.
8. Representations and Warranties
Each User hereby represents and warrants to Company as follows: (a) the Agreement constitutes such User's legal, valid and binding obligation which is fully enforceable against such User in accordance with its terms; and (b) such User understands and agrees that such User has independently evaluated the desirability of utilizing the Site Offerings and that such User has not relied on any representation and/or warranty other than those set forth in the Agreement.
9. Indemnification
Each User agrees to indemnify, defend and hold Company, its members, officers, directors, employees, agents and attorneys, harmless from and against any and all liabilities, claims, actions, suits, proceedings, judgments, fines, damages, costs, losses and/or expenses (including reasonable attorneys' fees, court costs and/or settlement costs) arising from and/or related to: (a) any dispute between that User and any Marketing Partner, Third-Party Service Provider or other third-party; (b) User's breach of the Agreement and/or any representation or warranty contained herein; (c) User's improper and/or unauthorized use of the Site Offerings in any manner whatsoever; and/or (d) User's Feedback.
10. License Grant
Each User is granted a non-exclusive, non-transferable, revocable and limited license to access and use the Site Offerings. Company may terminate this license at any time for any reason. Unless otherwise expressly authorized by Company, Users may only use the Site Offerings for their own personal, non-commercial use. No part of the Site Offerings may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical.
11. Proprietary Rights
The Site Offerings, as well as the organization, graphics, design, compilation, magnetic translation, digital conversion, software, services and other matters related to same, are protected under applicable copyrights, trademarks and other proprietary (including, but not limited to, intellectual property) rights. The copying, redistribution or publication by any User or third-party of any part of the Site Offerings is strictly prohibited.
12. Legal Warning
Any attempt by any individual to damage, destroy, tamper with, vandalize and/or otherwise interfere with the operation of the Site Offerings is a violation of criminal and civil law and Company will diligently pursue any and all remedies against any offending individual or entity to the fullest extent permissible by law and in equity.
13. Disclaimer of Warranties
THE SITE OFFERINGS AND ANY OTHER PRODUCTS AND/OR SERVICES OFFERED BY AND/OR THROUGH SAME ARE PROVIDED TO USERS ON AN "AS IS" AND "AS AVAILABLE" BASIS AND ALL WARRANTIES, EXPRESS AND IMPLIED, ARE DISCLAIMED TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW (INCLUDING, BUT NOT LIMITED TO, THE DISCLAIMER OF ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND/OR FITNESS FOR A PARTICULAR PURPOSE). IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, COMPANY MAKES NO WARRANTY THAT THE SITE OFFERINGS: (A) WILL MEET ANY USER'S REQUIREMENTS; (B) WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (C) WILL BE FREE OF HARMFUL COMPONENTS; (D) WILL ENABLE ANY USER TO OBTAIN INSURANCE QUOTES; AND/OR (E) WILL BE ACCURATE OR RELIABLE.
14. Limitation of Liability
EACH USER EXPRESSLY UNDERSTANDS AND AGREES THAT COMPANY SHALL NOT BE LIABLE TO THAT USER OR ANY THIRD-PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL AND/OR EXEMPLARY DAMAGES INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), TO THE FULLEST EXTENT PERMISSIBLE BY LAW. IF APPLICABLE LAW DOES NOT PERMIT SUCH LIMITATIONS, THE MAXIMUM LIABILITY OF COMPANY TO ANY USER UNDER ANY AND ALL CIRCUMSTANCES WILL BE FIVE HUNDRED DOLLARS ($500.00). NO ACTION, REGARDLESS OF FORM, ARISING OUT OF THE SITE OFFERINGS MAY BE BROUGHT BY ANY USER OR COMPANY MORE THAN ONE (1) YEAR FOLLOWING THE EVENT WHICH GAVE RISE TO THE CAUSE OF ACTION.
15. Copyright Policy/DMCA Compliance
Company reserves the right to terminate any User's access to the Site Offerings where such User infringes upon third-party copyrights. If any User or third-party believes that a copyrighted work has been copied and/or posted via the Site Offerings in a way that constitutes copyright infringement, that party should provide Company with the following information: (a) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyrighted work; (b) an identification and location of the copyrighted work that such party claims has been infringed upon; (c) a written statement by such party that it has a good faith belief that the disputed use is not authorized by the owner, its agent or the law; (d) such party's name and contact information; and (e) a statement by such party that the above information in such party's notice is accurate and, under penalty of perjury, that such party is the copyright owner or authorized to act on the copyright owner's behalf.
16. Third-Party Websites
The Site Offerings contain links to other websites on the Internet that are owned and operated by third-parties. Company does not control the information, products or services made available on, by or through these third-party websites. The inclusion of any link does not imply endorsement by Company of the applicable website or any association with the website's operators.
17. Use of User Information
All material submitted by Users through or in association with the Site Offerings including, without limitation, the User Data, shall be subject to the Privacy Policy.
18. Text Messages
Users may request to receive offers from Company via text message, including text messages sent by third-parties on Company's behalf. Supporting carriers include AT&T, Sprint, Verizon, T-Mobile, Cricket, U.S. Cellular and other wireless carriers.
Consumers may opt out of receiving text messages by replying "STOP," "END" or "QUIT" to any SMS message that they receive. Consumers may also reply with "HELP" or email us at optout@affordable-insuranceplans.com for support. Standard message and data rates may apply.
19. Electronic Signatures
You acknowledge and agree that by clicking on the opt-in, contact us, or other button used to submit information, or taking such other action as may be designated by Company as a means of accepting all or a portion of the Agreement, you are submitting a legally binding electronic signature and entering into a legally binding contract. You acknowledge that your electronic submission constitutes your agreement and intent to be bound by the Agreement.
Pursuant to any and all applicable statutes, regulations, rules, ordinances or other laws including, without limitation, the United States Electronic Signatures in Global and National Commerce Act, P.L. 106-229 (the "E-Sign Act") or other similar statutes, YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS AND OTHER RECORDS AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED THROUGH THE SITE AND/OR OTHER COMPANY OFFERINGS.
20. California Consumer Rights
Residents of the State of California are entitled to the following specific consumer rights information: you may contact the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs by mail at: 400 R St., Suite 1080, Sacramento, California 95814, or by telephone at (916) 445-1254. Their website is located at: www.dca.ca.gov.
21. Contact Us
If you have any questions about the Agreement, Site Offerings or the practices of Company:
- Email: optout@affordable-insuranceplans.com
- Mail: P.O. Box 668981, Pompano Beach, FL 33066
- Phone: (888) 817-0413
Last Updated: January 2026