THI Benefits — Terms and Conditions

Last Updated: October 21, 2025

Welcome to THI Benefits, operated by Thrive Health Group, LLC, a Utah-based health-insurance brokerage doing business as THI Benefits (“we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your use of our website and any related services, forms, digital tools, or communications (collectively, the “Services”). By accessing or using our website, you agree to these Terms in full. If you do not agree, please discontinue use immediately.

THI Benefits assists individuals, families, and small businesses in understanding and enrolling in health-insurance coverage through the Affordable Care Act Marketplace, directly with participating carriers, and through various supplemental plans. The information on this website is provided solely for general educational purposes. Nothing on the site should be considered legal, financial, or medical advice, and no coverage recommendations or eligibility determinations are valid until confirmed by a licensed THI Benefits agent.

All information submitted through our online forms or digital tools is transmitted and stored securely in a HIPAA-compliant platform (GoHighLevel). Enrollment data may be shared with authorized third-party processors such as HealthSherpa or Healthcare.gov for application and plan-selection purposes. By submitting personal information, you acknowledge and consent to our use of that information for legitimate insurance-related activities, consistent with our Privacy Policy.

By providing your contact information, including a phone number or email address, you consent to receive communications from THI Benefits and its representatives. These communications may include text messages, emails, or phone calls regarding enrollment, renewals, or related opportunities, and may occasionally use automated or AI-assisted technology. You may opt out of marketing messages at any time by following the instructions contained in the communication (for example, replying “STOP” to a text or using the unsubscribe link in an email).

Unless otherwise noted, all content appearing on our website—including text, graphics, logos, AI-generated materials, layouts, and other design elements—is the exclusive property of Thrive Health Group, LLC or its licensors. Users are granted a limited, non-transferable license to access and use the website for personal, non-commercial purposes. Copying, distributing, modifying, or reproducing any materials without our prior written consent is strictly prohibited.

Our website may contain links to third-party websites such as Healthcare.gov, HealthSherpa, or carrier portals. These links are provided for convenience only. THI Benefits does not control or endorse the content, accuracy, or privacy practices of any third-party site and assumes no responsibility for their actions. Users should review the privacy and security policies of any third-party platform before submitting personal information.

To the fullest extent permitted by law, THI Benefits and its affiliates, officers, agents, and employees shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our website or Services. This includes, without limitation, losses or damages resulting from technical errors, carrier or Marketplace decisions, delays, data breaches, or inaccuracies in user-submitted information. All Services are provided “as is,” without warranties or guarantees of any kind, and your sole remedy for dissatisfaction is to stop using the site.

While we strive to ensure accuracy and timely updates, we make no guarantees of eligibility, approval, or plan availability. All determinations of coverage and premium amounts are made exclusively by the applicable insurance carrier or the federal Marketplace. THI Benefits reserves the right to suspend or terminate any user’s access to our website or Services at any time, without notice, for conduct that is unlawful, abusive, or otherwise inconsistent with these Terms. Such termination will not affect any existing policy obligations or rights under applicable law.

These Terms are governed by the laws of the State of Utah, without regard to conflict-of-law principles. Any disputes arising out of or relating to these Terms shall be resolved either through mutual agreement to binding arbitration or, if arbitration is not elected, exclusively in the state or federal courts located in Weber County, Utah. Each party will bear its own legal costs unless otherwise ordered by the arbitrator or court. Any claim or cause of action relating to the Services must be filed within one (1) year after it arises or it is permanently barred.

We may update or modify these Terms at any time. The latest version will always be posted on this page with an updated effective date. By continuing to use the website after changes are posted, you agree to be bound by the revised Terms.

If you have any questions about these Terms or your use of the website, you may contact us at [email protected].