Terms & Conditions for Using Affirm Assist

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IMPORTANT NOTICE: Please read these Terms and Conditions carefully before using the services provided by Affirm Assist. By accessing our website, enrolling in our services, or submitting any intake form, you confirm that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree to these Terms, you must not use our services.

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Acceptance of Terms

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By accessing the Affirm Assist website, submitting a service intake form, enrolling in a subscription, or otherwise using the Services, you agree to be legally bound by this Agreement. You represent that you are at least 18 years of age, have the legal capacity to enter into a binding contract, and — if enrolling on behalf of another individual — hold the legal authority to act on that person's behalf, including a valid power of attorney or other recognized authorization.

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Description of Services

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Affirm Assist provides administrative claims management support services to individuals and their authorized representatives navigating the long-term care insurance claims process. Services include:

• Reviewing long-term care insurance policy documents to identify claim submission requirements
• Organizing and preparing claim forms and supporting documentation
• Submitting completed claim forms and documentation to the Client's insurance carrier
• Monitoring claim status and following up with the insurance carrier on outstanding requirements
• Communicating with the insurance carrier by telephone, written correspondence, or electronic communication for administrative purposes
• Notifying the Client of communications received from the insurance carrier

Affirm Assist operates strictly in an administrative capacity. The Company is not an insurance company, insurance agency, law firm, medical practice, or financial advisory firm. The Services do not constitute the practice of law, insurance, financial advising, or medicine.

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Disclaimer of Professional Advice

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Administrative Services Only: Affirm Assist provides administrative support services only. Nothing in our communications, website content, or services constitutes professional advice of any kind.
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No Legal Advice: Affirm Assist is not a law firm and does not provide legal advice. No attorney-client relationship is formed at any time. If you receive a claim denial or wish to pursue a formal appeal, consult a licensed attorney.

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No Insurance Advice : Affirm Assist is not a licensed insurance agent, broker, or consultant. We do not advise on coverage, policy interpretation, or insurer selection. Any review of policy documentation is conducted solely for administrative submission purposes.

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No Financial Advice : Affirm Assist does not provide financial planning, investment, or tax advisory services. Consult a licensed financial advisor or CPA for financial guidance.

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No Medical Advice: Affirm Assist does not provide medical advice, diagnoses, or clinical assessments. All medical documentation must be obtained from and certified by the Client's licensed healthcare providers.

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Client Responsibilities

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Accuracy of Documentation: The Client is solely responsible for the accuracy, completeness, and authenticity of all information and documentation provided to Affirm Assist. Affirm Assist relies on Client-provided materials and does not independently verify their accuracy. The Company bears no liability for claim denials or adverse outcomes resulting from inaccurate, incomplete, or fraudulent documentation.

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Timely Cooperation: The Client agrees to respond to requests for documentation promptly and to notify Affirm Assist of any changes in their care situation, policy, or insurer contact information. Affirm Assist is not responsible for missed deadlines resulting from the Client's failure to provide required information.

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Lawful Use: The Client agrees not to submit false, fraudulent, or misleading documentation to Affirm Assist or any insurance carrier. Insurance fraud is a criminal offense and will result in immediate termination of services without refund.

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Authorization to Communicate With Insurance Providers

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By engaging Affirm Assist, the Client authorizes the Company to contact their long-term care insurance carrier for the limited purpose of submitting claim documentation, inquiring as to claim status, and responding to administrative requests from the insurer.

This authorization does not permit Affirm Assist to accept or reject claim determinations, waive Client rights, enter into agreements with the insurer, or provide legal representation. The Client may revoke this authorization at any time in writing, which will result in termination of services. Affirm Assist bears no responsibility for the decisions, actions, or delays of the insurance carrier.

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Fees, Billing, and Subscription Terms

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Monthly Subscription:Affirm Assist charges a recurring monthly subscription fee disclosed at enrollment. By enrolling, the Client authorizes monthly charges to their designated payment method.

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Billing Failures:Affirm Assist reserves the right to suspend services immediately upon a failed or disputed payment. Continued non-payment is grounds for termination.

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Fee Changes:Subscription fees may be modified upon 30 days' written notice. Continued use after the effective date constitutes acceptance of the new fee.

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Refunds:All subscription fees are non-refundable except as required by applicable law. No prorated refunds are issued for partial periods or upon cancellation.

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Billing Disputes:Clients must notify Affirm Assist of any billing errors within 30 days of the billing date.

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Limitation of Liability

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No Warranties:The Services are provided on an "as is" and "as available" basis without warranties of any kind, express or implied. Affirm Assist does not warrant that the Services will be uninterrupted, error-free, or result in claim approval.

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No Liability for Claim Outcomes:Affirm Assist expressly disclaims all liability for claim denials, partial payments, benefit suspensions, or any adverse determination made by the Client's insurance carrier. All claim decisions are made exclusively by the insurance carrier.

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No Liability for Client Documentation:Affirm Assist is not liable for any outcome resulting from inaccurate, incomplete, or insufficient documentation provided by the Client or their healthcare providers.

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No Liability for Third-Party Systems:Affirm Assist is not liable for delays or failures caused by the insurance carrier, third-party technology platforms, payment processors, or any other third party outside the Company's control.

Exclusion of Consequential DamagesTo the maximum extent permitted by applicable law, Affirm Assist shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of insurance benefits, loss of income, or loss of data.

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Liability Cap:Affirm Assist's total liability to the Client for any claims arising under this Agreement shall not exceed the total subscription fees paid by the Client in the three (3) months immediately preceding the event giving rise to the claim.

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Third-Party Services

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Affirm Assist may use third-party platforms for payment processing, document management, and communications. The Company is not responsible for the availability, security, or performance of third-party services. The Client's insurance carrier is an independent third party with no affiliation with Affirm Assist. Affirm Assist bears no liability for the carrier's failure to receive, process, or respond to any submission.

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Privacy and Data Handling

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The collection, use, and protection of Client information is governed by Affirm Assist's Privacy Policy, incorporated herein by reference. To the extent Affirm Assist handles Protected Health Information (PHI), the Company complies with applicable HIPAA requirements. Client information is used solely to provide the Services and is not sold to third parties. Clients may be required to execute a Business Associate Agreement (BAA) prior to the commencement of services

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Service Availability

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Affirm Assist does not guarantee uninterrupted access to the Services. Temporary unavailability due to maintenance, system upgrades, or circumstances beyond the Company's control does not constitute a breach of this Agreement and does not entitle the Client to a refund.

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Termination of Services

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Cancellation by Client: The Client may cancel their subscription at any time with at least 10 business days' written notice prior to the next billing date. Cancellation is effective at the end of the current billing period. No refunds are issued for remaining periods.

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Termination by Affirm Assist:Affirm Assist may terminate services immediately for material breach, fraudulent documentation, non-payment, unlawful conduct, or revocation of carrier communication authorization. Affirm Assist may also terminate without cause upon 30 days' notice with a prorated refund of prepaid fees.

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Effect of Termination:Upon termination, Affirm Assist will cease all activities on the Client's behalf. The Client is solely responsible for ensuring continuity of claim management following termination.

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Modifications to Terms

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Affirm Assist reserves the right to modify these Terms at any time. Material changes will be posted on the website and communicated by email with at least 30 days' notice. Continued use of the Services after the effective date of any change constitutes acceptance of the revised Terms.

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Governing Law

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This Agreement is governed by the laws of the State of Florida, United States of America. Any legal proceedings shall be brought exclusively in the state or federal courts of Orange County, Florida. The parties waive any right to trial by jury. Claims must be brought individually — class actions are expressly waived.

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Contact Information

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For questions regarding these Terms, please contact:

Affirm AssistEmail: support@affirmassist.com Website: www.affirmassist.com State of Incorporation: Florida, United States

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General Provisions

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This Agreement constitutes the entire agreement between the parties and supersedes all prior understandings. If any provision is found unenforceable, the remaining provisions remain in effect. Affirm Assist may assign this Agreement without consent. The Client may not assign without written approval. This Agreement is governed by English language; in case of translation dispute, the English version controls.

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© 2026 Affirm Assist. All rights reserved. These Terms were last revised on March 4, 2026.