Terms Of Service
Last Updated: October 29, 2025
Terms of Use — Website: www.truthhealthquotes.com — Company: SoFlo Capital Group LLC
1) Acceptance of Terms
These Terms of Use (together with our Privacy Policy, the “Agreement”) govern your access to and use of www.truthhealthquotes.com and any related content, tools, or services (collectively, the “Website”). By accessing or using the Website, you agree to be bound by this Agreement. You must be 18+ and a U.S. resident (including territories) to use the Website. If you use the Website on behalf of an entity, you represent that you have authority to bind that entity to this Agreement.
We may change any part of the Website or this Agreement at any time. Changes are effective upon posting, and the “Last Updated” date will be revised. Continued use constitutes acceptance of changes—please review these terms regularly.
2) Privacy Policy
Please review our Privacy Policy, which is incorporated by reference. By using the Website, you consent to the collection, use, disclosure, and storage of information as described there.
3) What We Do (Matching Tools & Services)
We operate a lead-generation and matching platform that helps users find insurance information and quotes from third parties (collectively, “Insurers”—including insurance companies, licensed agents/brokers, and our marketing partners). When you submit information (e.g., ZIP code, contact details, coverage interests), we may:
- Present potential matches or refer your inquiry to Insurers; and/or
- Provide your information to Insurers who may contact you to discuss products, eligibility, and pricing.
SoFlo Capital Group LLC is not an insurer or a licensed agent/broker and does not underwrite, bind, or sell insurance. We do not make coverage decisions; any offers, terms, or eligibility determinations are made solely by Insurers. We may receive compensation from Insurers and/or marketing partners in connection with your use of the Website. You should rely on your own judgment and the advice of licensed professionals when choosing products.
Availability. Products, services, and pricing may vary by state and change without notice. You might not receive quotes from every Insurer, and not all products are available in all jurisdictions.
No guarantee. Information on the Website (or discussed in calls/chats) does not guarantee coverage, benefits, approval, or payment. Final terms are governed by the Insurer’s policy documents (including limitations, exclusions, medical necessity, and eligibility requirements).
4) Your Submissions & Consent to Communications
By submitting your information on the Website, you represent that it is accurate and complete and that you have the right to submit it.
Consent to be contacted (calls/texts/emails). By providing your contact information, you authorize SoFlo Capital Group LLC and our Insurers/partners to contact you via the channels you provide (including autodialed, prerecorded, artificial-voice, and text/SMS messages) regarding your requests, our services, and related offers. Consent is not a condition of purchase. Message/data rates may apply. You can opt out of SoFlo texts by replying STOP; for help, reply HELP. You can opt out of SoFlo marketing emails by using the unsubscribe link or emailing info@soflocap.com. To stop partner communications, follow that partner’s instructions directly.
Recording/monitoring. You consent that SoFlo may monitor or record calls for quality and compliance.
5) Site Use; Proprietary Rights
We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial purposes related to researching insurance options. Except as permitted by law, you may not copy, modify, distribute, scrape, reverse engineer, or create derivative works of the Website or its software.
All content and trademarks on the Website are owned by SoFlo Capital Group LLC or their respective owners and protected by law. Nothing grants you rights to use any marks without prior written permission.
6) Prohibited Activities
You agree not to: (a) use the Website for unlawful purposes; (b) submit false or misleading information; (c) interfere with Website operation or security; (d) use automated means to access the Website without permission; (e) infringe or violate the rights of others; or (f) attempt to circumvent access or availability controls.
7) Third-Party Content & Links
The Website may link to or display third-party sites, content, or offers. We do not control or endorse such third parties and are not responsible for their content, products, policies, or practices. Use them at your own risk and review their terms and privacy policies.
8) Disclaimers; Limitation of Liability
THE WEBSITE (AND ANY INFORMATION, SOFTWARE, PRODUCTS, OR SERVICES AVAILABLE THROUGH IT) IS PROVIDED “AS IS” AND “AS AVAILABLE.” SOFLO CAPITAL GROUP LLC AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, AND PARTNERS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY, NON-INFRINGEMENT, AND ERROR-FREE/UNINTERRUPTED OPERATION.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL SOFLO CAPITAL GROUP LLC OR ITS AFFILIATES BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR LOST PROFITS/REVENUE/GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE WEBSITE, EVEN IF ADVISED OF THE POSSIBILITY. OUR AGGREGATE LIABILITY FOR ANY CLAIMS SHALL NOT EXCEED $100 OR THE AMOUNT YOU PAID US (IF ANY) IN THE 3 MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER. Some jurisdictions do not allow certain disclaimers/limits; some terms may not apply to you.
9) Indemnification
You agree to defend, indemnify, and hold harmless SoFlo Capital Group LLC and its affiliates, officers, directors, employees, and agents from and against claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising from or related to: (a) your use of the Website; (b) your breach of this Agreement; or (c) your violation of law or third-party rights.
10) Intellectual Property Complaints (DMCA)
If you believe content on the Website infringes your copyright, send a DMCA notice containing the elements of 17 U.S.C. §512(c)(3) to:
We may remove or disable content and, when appropriate, terminate repeat infringers. Counter-notices may be submitted as permitted by the DMCA.
11) Health Information Disclaimer (No Medical Advice)
Any health-related content on the Website is informational only and not medical advice. Always consult your physician or qualified provider regarding diagnosis, treatment, or health questions. Do not rely on Website content for medical decisions.
12) U.S. Operation; International Use
The Website is controlled and operated from the United States. If you access it from outside the U.S., you consent to U.S. data transfer and processing and are responsible for compliance with local laws.
13) Dispute Resolution; Arbitration; Class-Action Waiver
PLEASE READ THIS CAREFULLY—IT AFFECTS YOUR RIGHTS.
Arbitration. Except for small-claims court or injunctive relief for misuse of IP or unauthorized access, any dispute arising out of or relating to this Agreement or the Website will be resolved by final, binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, as modified by this Section.
Class-action waiver. Disputes are resolved only on an individual basis. No class or representative actions or consolidated proceedings are permitted. The arbitrator may award relief only to the extent necessary to resolve your individual claim(s).
Procedures & Fees. Arbitration will be held in Broward County, Florida, or another mutually agreed location, or by video/telephone if appropriate. AAA rules govern fees; if your claim filing fee would be prohibitive, we will consider a reasonable request to pay or reimburse fees consistent with AAA rules.
Governing law. This Agreement, and any arbitration hereunder, is governed by Florida law and the Federal Arbitration Act. The arbitrator will apply Florida substantive law (excluding conflict-of-law rules). The award may be entered in any court of competent jurisdiction. If the class waiver is found unenforceable, this arbitration provision is void as to that dispute.
14) Notices; Contact
Except where this Agreement permits notice by posting, legal notices to SoFlo must be sent to:
We may provide notices to you by posting to the Website, emailing the address you provided, or other reasonable means.
15) Miscellaneous
Entire Agreement. This Agreement (and the Privacy Policy) is the entire agreement between you and SoFlo regarding the Website.
Severability. If any provision is unenforceable, the remainder remains in effect; an unenforceable term will be enforced to the maximum lawful extent.
No Assignment by You. You may not assign this Agreement without our written consent; we may assign it without restriction.
No Waiver. A failure to enforce a provision is not a waiver.
Force Majeure. We are not liable for delays/failures due to events beyond our reasonable control (e.g., outages, acts of God, labor issues, government actions).
Headings. Headings are for convenience only.
Relationship. No agency, partnership, employment, or joint venture is created by your use of the Website.