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Terms of Service

Last Updated: April 8, 2026

Legal Notice

Corridor Advisors Inc. ("Corridor," "we," "our," or "Company") is a licensed health insurance brokerage operating under the oversight of applicable state Departments of Insurance. We are incorporated in Delaware and headquartered in Redwood City, California.

Use of this website located at www.corridoradvisors.com (the "Site") and any related communications with Corridor brokers or our AI-powered tools are governed by these Terms of Service ("Terms"), our Privacy Policy, and all applicable federal and state laws.

All content provided on this Site is for informational and educational purposes only and does not constitute legal, medical, tax, or financial advice. Licensed agents will provide plan information consistent with applicable regulations and your expressed preferences.

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Site.

Accounts

1.1 Account Creation. Certain features of the Site may require you to register for an account ("Account") and provide information about yourself. You represent and warrant that: (a) all registration information you submit is truthful and accurate; and (b) you will maintain the accuracy of such information. You may delete your Account at any time by contacting us. We may suspend or terminate your Account in accordance with Section 7.

1.2 Account Responsibilities. You are responsible for maintaining the confidentiality of your Account login information and for all activities that occur under your Account. You agree to notify us immediately of any unauthorized use of your Account or any other breach of security. We will not be liable for any loss or damage arising from your failure to comply with these requirements.

Access to the Site

2.1 License. Subject to these Terms, we grant you a non-transferable, non-exclusive, revocable, limited license to use and access the Site solely for your own personal or internal business use in connection with evaluating or receiving our brokerage services.

2.2 Restrictions. You shall not: (a) license, sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Site or any content displayed on the Site; (b) modify, make derivative works of, disassemble, reverse compile, or reverse engineer any part of the Site; (c) access the Site in order to build a similar or competitive website, product, or service; (d) copy, reproduce, distribute, republish, download, display, post, or transmit any part of the Site except as expressly permitted herein; (e) use any automated system, including robots, spiders, or scrapers, to access the Site; or (f) attempt to probe, scan, or test the vulnerability of any Company system or network.

2.3 Modification. We reserve the right to modify, suspend, or discontinue the Site (in whole or in part) at any time, with or without notice to you. We will not be liable for any modification, suspension, or discontinuation of the Site.

2.4 Ownership. All intellectual property rights in the Site and its content, including copyrights, patents, trademarks, and trade secrets, are owned by the Company or its licensors. These Terms do not transfer any rights to you, and all rights not expressly granted are reserved.

2.5 Feedback. If you provide us with comments, suggestions, or ideas about the Site or our services ("Feedback"), you agree that we may freely use such Feedback without any restriction or compensation to you.

Insurance Brokerage Disclaimers

3.1 Not a Guarantee of Coverage. Nothing on this Site constitutes an offer or guarantee of health insurance coverage. Requirements for a specific insurance plan or service are determined solely by the applicable insurance carrier. Corridor does not guarantee any carrier's plan or service.

3.2 Carrier Decisions. All plan selections, applications, and coverage changes are subject to review and approval by the applicable insurance carrier at the carrier's sole discretion. Any information provided through the Site or our services should be considered preliminary until you have received written confirmation from the carrier.

3.3 No Endorsement. Corridor may present information about multiple insurance carriers, plans, and benefit options. Presentation of such information does not constitute an endorsement of any particular carrier, plan, or option. You should exercise your own judgment and due diligence when evaluating any benefits option.

3.4 Broker Relationship. Use of this Site alone does not create a broker-client or agent-beneficiary relationship. Such relationships are established only through a formal engagement confirmed in writing or through a licensed enrollment process.

3.5 Scope of Services. Corridor operates as a licensed health insurance brokerage. We are not an insurance carrier, a law firm, a tax advisory firm, or a medical provider. Our services are limited to assisting employers and their employees with the selection and administration of group and individual health insurance benefits.

Use of Artificial Intelligence

Corridor uses AI-powered tools and technology to assist with benefits analysis, plan recommendations, content generation, and related advisory services. You acknowledge and agree that:

(a) AI-generated outputs, including plan comparisons, cost analyses, and recommendations, are provided for informational purposes and are subject to review and verification by a licensed agent before any enrollment or coverage decision is finalized.

(b) AI tools do not make enrollment decisions or provide personalized insurance advice without human oversight. All material plan recommendations and client communications are reviewed by a licensed producer.

(c) While we take reasonable steps to ensure the accuracy of AI-generated content, we do not guarantee that such content is error-free, complete, or current. You should verify all plan details with the official Summary of Benefits and Coverage or Evidence of Coverage documents.

(d) Corridor maintains appropriate safeguards and oversight processes for its use of AI in accordance with applicable laws and regulations.

Third-Party Links and Services

The Site may contain links to third-party websites, services, and applications (collectively, "Third-Party Services"), including insurance carrier portals, benefits administration platforms, and government websites. These Third-Party Services are not under our control, and we are not responsible for their content, accuracy, availability, or practices. Access to Third-Party Services is provided as a convenience only and does not constitute our endorsement. Your use of any Third-Party Service is at your own risk and subject to that third party's terms and policies.

Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, contractors, and agents from and against any claims, disputes, demands, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of the Site; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any information or content you provide through the Site.

Term and Termination

These Terms remain in effect while you use the Site. We may suspend or terminate your access to the Site at any time, for any reason, at our sole discretion, including for any violation of these Terms. Upon termination, your right to access the Site will cease immediately. Sections 2.4, 3, 4, 5, 6, 8, 9, 10, and 11 will survive termination.

Disclaimer of Warranties

THE SITE IS PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SITE WILL MEET YOUR REQUIREMENTS, WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS, OR WILL BE ACCURATE, RELIABLE, FREE OF VIRUSES OR OTHER HARMFUL CODE, COMPLETE, LEGAL, OR SAFE.

WE MAKE NO REPRESENTATION OR WARRANTY REGARDING THE SUITABILITY OF ANY INSURANCE CARRIER, PLAN, OR BENEFITS OPTION PRESENTED THROUGH THE SITE OR OUR SERVICES.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE COMPANY OR ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF OR INABILITY TO USE THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, AND REGARDLESS OF WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY ARISING FROM OR RELATED TO THESE TERMS WILL NOT EXCEED ONE HUNDRED DOLLARS ($100).

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

. Dispute Resolution

10.1 Mandatory Arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the use of the Site ("Dispute") that cannot be resolved informally shall be resolved by binding arbitration on an individual basis under the rules of the American Arbitration Association ("AAA"). The arbitration shall be conducted by a single arbitrator. This arbitration provision shall survive termination of these Terms.

10.2 Exceptions. Either party may: (i) seek resolution in small claims court if the Dispute qualifies; or (ii) seek injunctive or equitable relief from a court to prevent infringement or misappropriation of intellectual property rights.

10.3 Class Action Waiver. YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate the claims of multiple parties.

10.4 Arbitration Costs. Filing, administration, and arbitrator fees will be governed by the AAA Rules.

10.5 Jury Trial Waiver. THE PARTIES WAIVE THEIR RIGHTS TO A JURY TRIAL. All Disputes shall be resolved by arbitration or, where permitted, in small claims court.

. General Provisions

11.1 Governing Law. These Terms shall be governed by the laws of the State of California, without regard to conflict of laws principles, and applicable federal law.

11.2 Forum. To the extent any Dispute is not subject to arbitration, the exclusive jurisdiction shall be the state and federal courts located in San Mateo County, California.

11.3 Changes to Terms. We may update these Terms from time to time. If we make changes, we will post the updated Terms on the Site with a new "Last Updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.

11.4 Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Company regarding the Site and supersede all prior agreements and understandings.

11.5 Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

11.6 No Waiver. Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision.

11.7 Assignment. You may not assign or transfer these Terms without our prior written consent. We may freely assign these Terms.

11.8 Electronic Communications. By using the Site, you consent to receiving electronic communications from us, including notices, agreements, and other information. You agree that all communications we provide electronically satisfy any legal requirement that such communications be in writing.