Terms of Service

1.1 Who we are

Epicare Insurance Corp is a licensed insurance agency. We hold appointments with multiple insurance carriers and act as an intermediary between consumers and those carriers. We are NOT an insurance carrier, and we do not underwrite, issue, or pay claims on any insurance policy. Our principal place of business is in Miami, Florida.

1.2 What Eppigo does

Eppigo is our digital platform where you may, depending on availability, discover and compare insurance plans across multiple carriers, receive guided recommendations, estimate coverage amounts, apply for and enroll in insurance plans, manage your policies in a centralized Wallet, share coverage information with family members, and communicate with our support team. The specific products, plan types, carriers, features, and geographic markets available through the Platform vary by jurisdiction and over time, and are subject to change without notice. Not all products or features are available in all states or at all times. The Platform is offered in English and Spanish.

1.3 Free for consumers

The Platform is free for consumers to use. We do not charge you any fees, surcharges, or markups for using the Platform. Premium prices shown on the Platform are identical to the carrier's direct prices for the same coverage.

1.4 How we earn

We may receive commissions from insurance carriers when policies are issued. Any such compensation comes from the carrier, does not increase the price you pay, and is not disclosed in specific amounts in our consumer-facing materials.

3.1 Your account

To use most Platform features, you must create an account. You agree to provide accurate registration information, maintain the security of your credentials, promptly notify us of any unauthorized access, and be responsible for all activity under your account.

3.2 Email verification

We send a one-time verification code to your email address during registration. Verification is required to activate your account.

3.3 Multi-factor authentication

You may enable multi-factor authentication (MFA) where offered. We strongly recommend enabling it.

3.4 Session limits

You may be signed in on a limited number of devices simultaneously. Signing in beyond that limit may end your oldest active session.

3.5 Suspension or termination

We may suspend or terminate your account if you violate these Terms, provide false or fraudulent information, where required by law or regulation, or where your account shows signs of unauthorized use.

4.1 We are not the insurer

When you apply for or purchase insurance through the Platform, the resulting policy is a contract between you and the issuing insurance carrier. We do not underwrite policies, decide approval or denial, collect or hold premiums, pay claims, or set policy terms or pricing.

4.2 Carrier independence

Insurance carriers are independent companies. Their products, terms, and procedures are governed by their own contracts and by applicable state insurance regulations.

4.3 Agent relationships

Some users access the Platform through a referral link from a licensed agent. That agent may serve as your agent of record for policies you obtain through them and may be responsible for ongoing service of those policies, subject to the carrier's rules.

4.4 No advice

Information on the Platform is provided for general educational purposes. We do not provide personalized legal, tax, financial, or medical advice. Decisions about insurance coverage are yours. We recommend consulting qualified professionals for advice specific to your situation.

5.1 Accuracy of information

When you apply for a policy, you must provide accurate, complete, and truthful information. Submitting false information may result in denial of your application, cancellation of your policy, loss of benefits, or other legal consequences.

5.2 Health and identity information

Some applications require health-related questions or identity verification. Your responses are transmitted to the carrier for underwriting. We handle this information as described in our Privacy Policy.

5.3 Submission to the carrier

When you submit an application through the Platform, we transmit it to the relevant carrier. We do not review or pre-approve applications; underwriting decisions are made entirely by the carrier.

5.4 Decisions and appeals

If a carrier declines your application or requests additional information, we will notify you. You may appeal directly to the carrier. Where applicable, we will provide notices consistent with the Fair Credit Reporting Act (FCRA) and other relevant law.

6.1 Premium payments

Premium payments are made directly to the insurance carrier or its designated payment processor, not to Epicare. We do not hold or process insurance premium payments.

6.2 Tokenization

Payment instruments you provide on the Platform are tokenized using a PCI-compliant tokenization vault. We do not store, transmit, or process your full payment card data.

6.3 No additional fees

We do not charge you any fees on top of premium. The price quoted is the price you pay to the carrier.

6.4 Disputes

Payment disputes are between you and the carrier (or its payment processor). We may assist with documentation and routing, but we do not have authority to resolve payment disputes.

7.1 Your Wallet

Your Wallet is a feature where your policies may be displayed. You may also add external policies (policies you obtained outside the Platform) to your Wallet for convenience.

7.2 External policies

Information you provide for an external policy is your own data. We do not automatically verify external policy information with carriers; the accuracy of that data is your responsibility.

7.3 Sharing

Where offered, you may share specific policies with family members. Shared information is accessible to the invited person only after they create an account and authenticate. You may revoke access at any time.

7.4 ID cards

Where carriers provide them, ID cards may be made available in your Wallet, including for offline access on mobile devices protected by device biometric authentication.

8.1 Transactional communications

We will send you notifications about your account, applications, policies, and Platform activity. These communications are operationally necessary and cannot be opted out of while you maintain an active account.

8.2 Marketing communications

You may opt in to receive marketing communications. You can change your marketing preferences at any time.

8.3 TCPA consent

If you opt in to marketing text messages, your consent is voluntary, is not a condition of any purchase, and may be withdrawn by replying STOP to any marketing message. Message and data rates may apply.

8.4 Frequency

We aim to limit promotional messages to a reasonable cadence. Critical communications (such as security alerts and application updates) are sent as needed.

9.1 ESIGN consent

By creating an account, you consent to receive communications, contracts, and disclosures in electronic form, in compliance with the Electronic Signatures in Global and National Commerce Act (ESIGN).

9.2 Withdrawal

You may withdraw ESIGN consent at any time. Because the Platform requires electronic communications to function, withdrawing ESIGN consent will deactivate your account. You may reactivate it by re-consenting.

9.3 System requirements

To use the Platform you need a current web browser or our mobile app, an active email address, a reliable internet connection, and the ability to receive electronic documents in PDF format.

9.4 Updating consents

When we update our consent forms (such as these Terms or our Privacy Policy), we may require you to review and re-accept. Material changes will trigger re-acceptance; minor changes will be noted in changelogs.

10.1 Our content

All content on the Platform, including software, designs, text, images, logos, and trademarks, is owned by Epicare Insurance Corp or our licensors and protected by applicable intellectual property laws.

10.2 Limited license

We grant you a personal, non-exclusive, non-transferable, revocable license to access and use the Platform for its intended purposes. You may not copy, modify, or redistribute Platform content; reverse engineer the Platform; use automated tools to scrape or extract data; use the Platform for unauthorized commercial purposes; or misuse the Platform in ways that could harm other users or the system.

10.3 Your content

When you submit information to the Platform (such as application data, policy details, or feedback), you grant us a limited license to use that information solely to operate the Platform and provide services to you.

10.4 Trademarks

EPICARE is a registered trademark, and Eppigo is a trademark, of Epicare Insurance Corp. Other trademarks displayed on the Platform belong to their respective owners.

Our Privacy Policy describes how we collect, use, and protect your information and is incorporated into these Terms by reference. By using the Platform, you agree to the practices described in our Privacy Policy.

We maintain privacy and security practices consistent with applicable law, including the HIPAA Security Rule (for protected health information), the Gramm-Leach-Bliley Act (for financial information), the Telephone Consumer Protection Act (for marketing communications), state privacy laws including the California Consumer Privacy Act and the California Privacy Rights Act, and applicable state insurance regulations. We are implementing HIPAA controls and preparing for a SOC 2 audit.

13.1 No warranty

THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY, EXCEPT WHERE SUCH DISCLAIMERS ARE PROHIBITED BY APPLICABLE LAW.

13.2 No insurance guarantees

We make no warranties or guarantees about approval of any application; pricing of any plan; carrier service levels or claims handling; availability of any plan in your state or market; or future availability of any plan or pricing.

13.3 Information accuracy

We strive to provide accurate information about insurance products, but plans, pricing, and terms change frequently. Always verify final terms in the actual policy documents you receive from the carrier.

14.1 General limitation

TO THE FULLEST EXTENT PERMITTED BY LAW, EPICARE INSURANCE CORP AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE PLATFORM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

14.2 Cap on liability

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM THESE TERMS OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS ($100) OR (B) THE TOTAL AMOUNTS YOU PAID TO EPICARE FOR USE OF THE PLATFORM IN THE TWELVE MONTHS PRECEDING THE CLAIM (WHICH, BECAUSE THE PLATFORM IS FREE TO CONSUMERS, IS TYPICALLY ZERO).

14.3 Insurance claim limitation

We are not responsible for, and shall not be liable for, claim decisions, denials, or settlements made by insurance carriers under policies you obtain through the Platform. Disputes about claims should be directed to the relevant carrier and, where applicable, to your state insurance regulator.

14.4 Exceptions to limitations

Nothing in these Terms limits or excludes liability for fraud or fraudulent misrepresentation; gross negligence or willful misconduct; death or personal injury caused by our negligence; or any liability that cannot be limited or excluded under applicable law, including non-waivable rights under consumer-protection statutes or state insurance laws. Some jurisdictions do not allow certain limitations or exclusions, in which case the limitations above apply only to the maximum extent permitted by law.

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND EPICARE TO RESOLVE MOST DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION RATHER THAN IN COURT, AND IT WAIVES YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN CLASS OR REPRESENTATIVE ACTIONS. YOU MAY OPT OUT OF ARBITRATION WITHIN 30 DAYS UNDER SECTION 17.3. THIS SECTION DOES NOT APPLY TO DISPUTES ABOUT COVERAGE, CLAIMS, OR BENEFITS UNDER AN INSURANCE POLICY ISSUED BY A CARRIER, AND DOES NOT PREVENT YOU FROM CONTACTING A REGULATOR (SECTION 17.10).

17.1 Federal Arbitration Act

This Section is governed by the Federal Arbitration Act (FAA), 9 U.S.C. § 1 et seq. The FAA governs the interpretation and enforcement of this arbitration agreement notwithstanding any other choice-of-law provision in these Terms.

17.2 Scope of arbitration

Except as expressly stated in this Section, you and Epicare agree that any dispute, claim, or controversy arising out of or relating to the Platform, these Terms, our services as an insurance agency or producer, our communications with you (including marketing communications, whether occurring before, during, or after your use of the Platform), or our handling of your information, will be resolved by binding individual arbitration.

This Section does NOT cover, and the following are excluded from arbitration: (a) any dispute regarding coverage, claims, benefits, premiums, or the terms of any insurance policy issued by a carrier, which must be pursued through the carrier and, where applicable, your state insurance regulator; (b) claims that may be brought in small-claims court as described in Section 17.9; (c) requests for injunctive or other equitable relief described in Section 17.9; and (d) claims that cannot be arbitrated under applicable law, including claims described in Section 17.10 and claims of sexual assault or sexual harassment to the extent governed by the Ending Forced Arbitration of Sexual Assault and Sexual Harassment Act, at the electing party's option.

17.3 Your right to opt out

You may opt out of this arbitration agreement within thirty (30) days after you first accept these Terms by sending written notice to legal@eppigo.com or to Epicare Insurance Corp., 6970 Bird Rd APT 308, Miami, FL 33155, with the subject or heading "Arbitration Opt-Out," and including your name and the email associated with your account. Opting out applies only to this arbitration agreement; it does not affect any other part of these Terms. If you opt out, neither you nor Epicare may require the other to arbitrate. Opting out will not adversely affect your relationship with us or your use of the Platform.

17.4 Informal resolution first

Before initiating arbitration, the party raising a dispute must first send the other party a written, individualized notice of dispute describing the claim, the relief sought, and the claimant's name and contact information, signed by the individual claimant. Notices to Epicare go to legal@eppigo.com or the mailing address above. The parties will then attempt in good faith to resolve the dispute for sixty (60) days. The applicable limitations period and any arbitration filing deadlines are tolled during this period. This requirement is a condition precedent to arbitration; either party may ask the arbitrator or a court to enforce it.

17.5 Arbitration administrator and rules

Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules and, where applicable, its Mass Arbitration Supplementary Rules, as modified by this Section. The AAA rules are available at adr.org. If AAA is unavailable or unwilling to administer the arbitration consistent with this Section, the parties will agree on a comparable administrator, or a court of competent jurisdiction may appoint one.

17.6 Delegation

The arbitrator has the exclusive authority to resolve all threshold issues relating to arbitrability, including the formation, existence, scope, validity, and enforceability of this arbitration agreement. The following two issues are decided by a court, not the arbitrator: (a) any question regarding the validity or enforceability of the Class Action Waiver in Section 17.7; and (b) any question regarding which agreement governs where two agreements conflict.

17.7 Class action waiver

YOU AND EPICARE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, 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, representative, or consolidated proceeding, and may award relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief on that party's individual claim. Class arbitration is not permitted.

If a court (not an arbitrator) decides that the Class Action Waiver is unenforceable or invalid as to a particular claim or request for relief, then that specific claim or request for relief (and only that claim or request) shall be severed and proceed in a court of competent jurisdiction on an individual basis, while all other claims shall remain in individual arbitration. Under no circumstances will any claim proceed as a class, collective, or representative arbitration.

17.8 Coordinated and mass arbitrations

If twenty-five (25) or more similar demands for arbitration are submitted against Epicare by or with the coordination of the same or coordinated counsel, the parties agree that the AAA Mass Arbitration Supplementary Rules apply, and that, before merits proceedings, the parties will participate in a global mediation. The administrator may organize the demands into reasonable batches for administrative and fee purposes. To protect each claimant's rights: (a) the limitations period and filing deadlines are tolled for every claimant whose demand is in the queue until that demand is reached; (b) each claimant retains the right to an individual determination of their own claim; and (c) no outcome in any batch, test case, or representative proceeding is binding on, or has preclusive effect against, any claimant who did not participate in that proceeding. Neither party has unilateral control over the sequence or timing of batches.

17.9 Carve-outs that may proceed in court

Either party may bring an individual claim in small-claims court if it qualifies. Either party may also seek injunctive or other equitable relief in a court of competent jurisdiction to protect intellectual property, confidential information, or the security and integrity of the Platform, or to address unauthorized access. Seeking such relief is not a waiver of the right to arbitrate other claims.

17.10 Your rights before regulators are preserved

Nothing in these Terms prevents you, and you do not waive your right, to file a complaint with or seek assistance from any government agency or regulator, including your state department of insurance or insurance commissioner, the National Association of Insurance Commissioners, the Consumer Financial Protection Bureau, the Federal Trade Commission, your state attorney general, or, in Puerto Rico, the Department of Consumer Affairs (DACO). Nothing in these Terms waives any right or remedy that cannot be waived under applicable law.

17.11 Arbitration procedures

Unless the parties agree otherwise, arbitration will take place in the county of your residence or by telephone or video, and you may appear remotely. The arbitrator will issue a reasoned written decision. The arbitrator may award any relief available in an individual court proceeding under applicable law, subject to the limitations in these Terms. Arbitration fees are allocated under the applicable AAA rules.

17.12 Jury trial waiver

TO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY CLAIM THAT PROCEEDS IN COURT RATHER THAN ARBITRATION, YOU AND EPICARE EACH KNOWINGLY AND VOLUNTARILY WAIVE THE RIGHT TO A TRIAL BY JURY. This waiver does not apply where prohibited by applicable law.

17.13 Severability and survival

If any portion of this Section is found unenforceable, that portion will be severed and the remainder will continue in effect, except as provided in Section 17.7 regarding the Class Action Waiver. This Section survives termination of these Terms and closure of your account.

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law principles, except that (a) the Federal Arbitration Act governs Section 17, and (b) to the extent the non-waivable consumer-protection or insurance laws of your home state or jurisdiction provide you greater protection, those laws apply to that extent.

For any dispute not subject to arbitration, the state and federal courts located in Miami-Dade County, Florida have jurisdiction, except where applicable law gives you the right to bring the dispute in your home jurisdiction. The parties consent to personal jurisdiction in those courts.

20.1 By you

You may close your account at any time. Closing your account does not affect insurance policies you obtained through the Platform (which continue with the carrier) or records we are required to retain by law.

20.2 By us

We may terminate or restrict your access for reasons including violation of these Terms, fraudulent activity, court order or regulatory requirement, or discontinuation of the Platform.

20.3 Effect of termination

Upon termination, your Platform access ends, we retain records as required by applicable law and our retention practices, and outstanding insurance policies remain in force per their terms.

22.1 Severability and reformation

If any provision of these Terms is found unenforceable, the remaining provisions continue in full force and effect. Any provision found overbroad or otherwise unenforceable will be enforced to the maximum extent permitted by applicable law and reformed to the minimum extent necessary rather than voided, except as otherwise provided in Section 17.7.

22.2 Entire agreement

These Terms, together with our Privacy Policy and any specific agreements you enter into through the Platform, constitute the entire agreement between you and Epicare regarding the Platform.

22.3 No waiver

Our failure to enforce any provision is not a waiver of that provision.

22.4 Assignment

You may not assign or transfer your rights under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, sale of assets, or by operation of law.

If you have questions about these Terms or the Platform, contact us:

For privacy-related inquiries, including requests under applicable privacy laws, see our Privacy Policy for specific procedures and the privacy contact.

A complete change log is available on request.