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Terms & Conditions

Effective: 5/15/2024
Updated: 3/08/2025

Please read these terms and conditions carefully before using this website.

Thank you for visiting Abisap.com ("Website," "Site," or "App"). The Site is owned and operated by ABISAP ("ABISAP," "we," "us," or "our"). The terms of use detailed below (the "Terms of Use") govern your access to and use of the Site and the services that we provide to you through the Site (the "Services"). These Terms of Use are a legal contract between you and ABISAP. By accessing or using the Site or any of the Services, you agree to these Terms of Use, and you warrant that you are at least 18 years of age. If you do not agree with these Terms of Use, please do not continue to use the Site or the Services.

These Terms of Use are effective as of the last updated date specified above. We may update these Terms of Use from time to time. Please check this page periodically for any changes, as your continued use of the Site or Services after any modifications will constitute your acceptance of those changes.

The Services

The Services are provided "as is" and include free information, such as insurance quotes and quote ranges, tools, links, and recommendations to help with insurance and financial-related decisions. Most information provided through the Service is for general informational and educational purposes. Some information may be provided at the point of sale for commercial purposes.

The Services include the integration of third-party insurance products, brokers, and carriers in the form of advertisements, insurance quotes, online purchases, emails, phone calls, text messages, or other marketing mediums. This is notice that you may be contacted by third parties on our behalf.

The Services also include formal quoting, brokering, and transacting of first-party services and third-party insurance products. We are a licensed insurance broker.

Any quotes or quote ranges provided on the Site or over the phone are non-binding. The final premium for any policy is determined by the underwriting insurance company after the application. Insurance products and their availability may vary by state and individual circumstances, and additional minimum coverage limits may be required in your state. Third-party insurance products offered on the Site are only available in the jurisdictions where we are properly licensed.

At times, Services may require you to agree to additional terms and conditions or enter into separate agreements with us or applicable third parties. Any third-party insurance products purchased through the Site are subject to the contract terms of the respective insurance carrier. In the event of a conflict between these Terms of Use and the terms of any insurance policy, the terms of the insurance policy will take precedence.

Help Information

For additional information, please contact us at Support@abisap.com.

User Conduct

You agree not to use this Website for any of the following purposes:

  • Conducting or supporting illegal activities of any kind.

  • Transmitting or storing viruses, worms, or any destructive code.

  • Threatening, harassing, abusing, impersonating, injuring, or intimidating others.

  • Interfering with other users' use of the Website.

  • Delivering spam or collecting information to send spam or unsolicited email advertisements.

  • Decompiling, disassembling, or reverse-engineering the Website.

  • Disguising the origin of any content or manipulating your presence on the Website.

  • Launching any automated system(s) that generates excessive traffic to the Website.

Intellectual Property

The Site contains materials such as text, graphics, images, and other content provided by or on behalf of ABISAP ("Content"). This Content is owned by ABISAP and/or our licensors and is protected by copyright laws. You shall not use any trademarks, service marks, logos, or Content without our prior written permission.

Unsolicited Information

Any unsolicited information you submit to us, including ideas, questions, or comments ("Unsolicited Information"), will be treated as non-confidential and non-proprietary. Upon submission, we have the right to use that information for any purpose without compensation. However, any personal information submitted will be handled in accordance with our Privacy Policy.

Collection and Use of Information

ABISAP respects your privacy. Any personally identifiable information collected through the Website is governed by our Privacy Policy, which is incorporated by reference. Please review our Privacy Policy carefully.

Disclaimer and Limitation of Liability

The Site, Services, and all Content are provided "as is" without any warranties. We are not liable for any damages, including those caused by viruses, that may infect your computer equipment or property from accessing the Site.

The insurance products quoted or sold through the Site are third-party products, and we make no warranties or representations regarding these products. All such products are provided according to the terms of the respective insurance carriers.

We are not liable for direct, special, indirect, punitive, or consequential damages, including lost profits, even if we have been advised of the possibility of such damages.

External Sites

The Site may include links to third-party websites ("External Sites"). We are not responsible for the content, actions, or products of these External Sites. Your interactions with External Sites are at your own risk.

Indemnification

You agree to defend, indemnify, and hold harmless ABISAP and its officers, directors, and employees from any claims arising from your use of the Site or breach of these Terms of Use.

Termination

We may terminate these Terms of Use and your access to the Site or Services at any time, for any reason, without prior notice. We also reserve the right to modify, suspend, or discontinue any part of the Site or Services.

Miscellaneous

If any portion of these Terms of Use is found to be invalid, the remaining portions will remain in effect. These Terms of Use are governed by the laws of the State of Utah. Disputes will be resolved in the state or federal courts located in Salt Lake County, Utah.

If you have any questions or need further information about these Terms of Use, please contact us at Support@Abisap.com.

ABISAP

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ABISAP.COM

 Copyright © 2024  ABISAP Health Insurance  All Rights Reserved

| HIPPA | Privacy Policy | Terms & Conditions

All insurance transactions require signed agreements between New Era Life Insurance Companies and its customers, and the terms of those agreements are binding on the parties. No other representation, whether made in person, on-line, electronically, in written, graphical, or verbal communication, may alter the terms of those agreements except that your use of this Web Site constitutes your agreement to the additional Terms of Use applicable to such use. Some products may not be available in all jurisdictions. In addition, any prospectus information available on this Site is posted for informational purposes only. This product is underwritten by Philadelphia American Life Insurance Company, a member of the New Era Family of Companies. The product details and availability may vary by state. This health indemnity plan is not ACA compliant.

Digital Accessibility Standards
We’re working toward the digital accessibility standards laid out by the Web Content Accessibility Guidelines. We’re also pursuing automated testing tools to help us catch more issues.

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