1. Acceptance of These Terms
By using this website, you agree to these Terms of Use. If you do not agree, please do not use the site.
2. Informational Purpose
Website content is provided for general business and educational purposes. It is not medical, legal, tax, actuarial, fiduciary, or plan-specific insurance advice and should not be relied upon as a substitute for advice from qualified professionals.
3. No Contract or Guarantee
Website content and contact-form submissions do not create a client, broker, fiduciary, patient-provider, or other professional relationship. They do not constitute a binding offer, guarantee eligibility, promise savings, establish coverage, or guarantee any clinical or financial outcome.
4. DirectCare Relationship
DirectCare Solutions, LC and 1645 Tennessee, LLC, d/b/a DirectCare are separate legal entities with distinct roles. References to DirectCare capabilities describe options that may be considered within a broader benefits strategy where appropriate; they do not mean the entities perform each other's regulated functions.
5. Third-Party Services and Links
The site may refer or link to third-party carriers, administrators, providers, vendors, or websites. DirectCare Solutions does not control third-party content, availability, security, or privacy practices. Links do not necessarily imply endorsement.
6. Intellectual Property
Website text, graphics, branding, and design elements are owned by or licensed to DirectCare Solutions or their respective owners and are protected by applicable law. They may not be reproduced or distributed without permission.
7. Disclaimer of Warranties
The site and its content are provided "as is" and "as available" to the extent permitted by law. We do not warrant that the site will always be uninterrupted, error-free, or free from harmful components.
8. Limitation of Liability
To the maximum extent permitted by applicable law, DirectCare Solutions and its personnel will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of or inability to use the site.
9. Governing Law and Changes
These terms are governed by applicable law, without regard to conflict-of-law principles. Any dispute concerning this website must be brought in a court of competent jurisdiction. We may update these terms periodically, and the effective date above identifies the latest revision.
10. Contact
Questions about these terms may be submitted through the contact page.