Terms of Use

1. Acceptance of Terms

By accessing and using this website (the “Site”), you accept and agree to be bound by these Terms of Use (“Terms”). The Site is owned and operated by Holy Impact Media, LLC (“Holy Impact Media,” “we,” “us,” or “our”), a marketing and lead-generation company. If you do not agree to these Terms, do not use the Site.

2. Nature of Service

Holy Impact Media operates this Site to connect consumers with licensed independent insurance agents, including Dynasty Insurance Group. Holy Impact Media is not an insurance agency, broker, or carrier and does not provide insurance advice or sell insurance products. Dynasty Insurance Group is operated by independent licensed insurance agents. Neither Holy Impact Media nor Dynasty Insurance Group is affiliated with, endorsed by, or representing any government entity, Healthcare.gov, the Health Insurance Marketplace, or the Centers for Medicare & Medicaid Services (CMS).

3. Plans Presented

Health plans presented through this Site are private health insurance products available off-exchange (purchased directly through licensed independent insurance agents, without federal premium tax credits or cost-sharing reductions). Plan availability, premiums, deductibles, and benefit design vary by carrier, household composition, age, tobacco use, state, and underwriting. Final plan terms are determined by the issuing carrier.

4. No Guarantee of Rates or Coverage

Any rate estimates, savings illustrations, or plan examples on the Site are illustrative only and are not guarantees of actual premiums, savings, or eligibility. Final premiums and plan availability are determined by carriers based on verified information including age, location, household size, tobacco use, underwriting, and plan selection. Past savings cited in testimonials reflect those individuals' outcomes and are not a promise of comparable results for any other consumer.

5. Agent Compensation

Holy Impact Media may receive compensation when leads we generate enroll in coverage with a licensed insurance partner, including Dynasty Insurance Group. Licensed agents may receive commissions or other compensation from insurance carriers for policies sold. This compensation does not affect the premium rates you pay, which are set by the carriers.

6. Use of Site and Eligibility

By using the Site, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into binding contracts
• You will provide accurate and truthful information
• You will not use the Site for any unlawful purpose
• You will not attempt to gain unauthorized access to any portion of the Site

7. Information Accuracy

You agree to provide accurate, current, and complete information when submitting forms. Providing false or misleading information may affect your eligibility for insurance coverage and could carry legal consequences with the carrier.

8. Third-Party Links and Services

The Site may contain links to third-party websites or services that Holy Impact Media does not own or control. We have no responsibility for the content, privacy practices, or services of those third parties. You access them at your own risk.

9. Intellectual Property

The Site and its original content, features, and functionality are owned by Holy Impact Media and are protected by United States copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content from the Site without our express prior written permission.

10. Disclaimer of Warranties

THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. HOLY IMPACT MEDIA AND ITS LICENSED INSURANCE PARTNERS MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE OR THE INFORMATION, CONTENT, OR MATERIALS INCLUDED ON IT. YOUR USE OF THE SITE IS AT YOUR SOLE RISK. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, HOLY IMPACT MEDIA, ITS AFFILIATES, AND ITS LICENSED INSURANCE PARTNERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM YOUR USE OF THE SITE OR INTERACTIONS WITH PARTNERS WE INTRODUCE YOU TO. OUR AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF $100 OR AMOUNTS YOU PAID US IN THE PRIOR 12 MONTHS (WHICH IS TYPICALLY ZERO, AS THE SITE IS FREE TO USE).

12. Indemnification

You agree to indemnify, defend, and hold harmless Holy Impact Media, its officers, directors, employees, agents, affiliates, and licensed insurance partners from any claims, liabilities, damages, losses, or expenses, including reasonable attorneys' fees, arising out of or connected with your access to or use of the Site, your violation of these Terms, or your violation of any third-party right.

13. Communications Consent (TCPA & State Laws)

By submitting your contact information through the Site and checking the consent box on a quiz form, you provide express written consent under the Telephone Consumer Protection Act (TCPA), the Florida Telephone Solicitation Act (FTSA), and any other applicable state telemarketing laws to be contacted by Holy Impact Media and its licensed insurance partners (including Dynasty Insurance Group) by phone calls, text messages (including via autodialer or prerecorded message), and email regarding health insurance options. Consent is not required as a condition of any purchase. You may revoke consent at any time by replying STOP to a text, replying STOP or unsubscribing from email, or emailing privacy@holyimpactmedia.com to be added to our internal Do-Not-Call list. We honor the National Do Not Call Registry as required by law.

14. Modifications to Terms

Holy Impact Media may modify these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to the new Terms taking effect, by posting the updated Terms with a new “Last Updated” date. Continued use of the Site after changes constitutes acceptance of the modified Terms.

15. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-law principles. Subject to Section 16 (Arbitration), the state and federal courts located in Florida shall have exclusive jurisdiction over any disputes not subject to arbitration.

16. Binding Arbitration & Class Action Waiver

PLEASE READ CAREFULLY. THIS SECTION AFFECTS YOUR LEGAL RIGHTS.

Arbitration. You and Holy Impact Media agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or your use of the Site will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, or by JAMS under its Streamlined Arbitration Rules & Procedures (your choice). The arbitration will be conducted in the State of Florida (or, at your election, by phone or video). Judgment on the award may be entered in any court having jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this Section.

Class Action Waiver. You and Holy Impact Media each agree that disputes will be resolved only on an individual basis and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class proceeding. If this class-action waiver is found unenforceable, the rest of this Section 16 (the agreement to arbitrate) is also unenforceable, and any claims will be heard by a court under Section 15.

Mass-Arbitration Procedures. If 25 or more substantially similar individual arbitration demands are filed against Holy Impact Media within a 60-day period and represented by the same counsel or coordinated counsel, the parties agree those demands will be batched and resolved under AAA's Mass Arbitration Supplementary Rules.

Carve-Outs. Either party may bring (i) an individual action in small-claims court for any claim within that court's jurisdiction, (ii) an action seeking only injunctive or equitable relief to protect intellectual property, and (iii) any claim that cannot lawfully be subject to a pre-dispute arbitration agreement (including, where applicable, certain consumer-protection claims).

30-Day Right to Reject. You may reject this arbitration section by emailing legal@holyimpactmedia.com with the subject “Arbitration Opt-Out” within 30 days of first using the Site. Your rejection will not affect any other portion of these Terms.

17. Severability

If any provision of these Terms is held invalid or unenforceable, that provision shall be struck and the remaining provisions shall remain in full force and effect, except as expressly provided in Section 16 regarding the class-action waiver.

18. Relationship to Insurance Partners

Holy Impact Media, LLC is a marketing and lead-generation company, not a licensed insurance agency. Dynasty Insurance Group is operated by independent licensed insurance agents who purchase qualified leads from Holy Impact Media and contact consumers regarding insurance coverage options. Holy Impact Media does not provide insurance advice or sell insurance products. Holy Impact Media has no ownership interest in Dynasty Insurance Group, and Dynasty Insurance Group has no ownership interest in Holy Impact Media.

19. Contact Information

For questions about these Terms or to submit notices required under Section 16: