Effective Date: 09/02/2026
Acceptance of Terms
By accessing this website or engaging the services of 9ja Insurance, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use our website or services.
Services Provided
9ja Insurance provides education, guidance, and assistance related to:
- Health Insurance Marketplace (Obamacare)
- Medicare plans
- Life Insurance
- Related insurance services
We do not provide legal or tax advice.
Client Authorization & Representation
By engaging our services, you acknowledge and agree that:
- You voluntarily appointed 9ja Insurance as your authorized representative
- You initiated contact independently without solicitation
- You knowingly elected 9ja Insurance as your agent of record
- You declined representation from any prior agent or agency
This authorization remains in effect until revoked in writing.
Accuracy of Information
You agree that:
- All information you provide is complete, accurate, and truthful
- You will report any material changes (income, household size, address, etc.) promptly
- You understand that inaccurate information may impact eligibility or coverage
Automatic Renewal
You authorize 9ja Insurance to assist with renewals or reassignment to a comparable plan, when necessary, to help prevent coverage gaps.
No Guarantee of Coverage or Savings
While we strive to find the most suitable coverage options, we do not guarantee:
- Approval by insurance carriers
- Eligibility for subsidies
- Specific pricing or benefits
All final determinations are made by carriers or government agencies.
Limitation of Liability
9ja Insurance shall not be held liable for:
- Decisions made by insurance carriers or government agencies
- Coverage denials or changes outside our control
- Client failure to provide accurate or timely information
Intellectual Property
All website content, including text, logos, and branding, is the property of 9ja Insurance and may not be copied or used without written permission.
Governing Law
These Terms & Conditions are governed by the laws of the State of Texas.
Changes to Terms
We reserve the right to update these Terms & Conditions at any time. Continued use of the website or services constitutes acceptance of the updated terms.