Clear terms for the CHCA advisor website and Platform.

By using the advisor website, registering for an advisor event, beginning enrollment, creating an advisor account, or using advisor services, you agree to these Advisor Terms and the policies incorporated by reference.

Certified Health Care Advisor™ certification may be available to qualified professionals in insurance, healthcare, legal services, financial services, and accounting or tax.

Consumer matching, fee-based planning, CardPointe payment functions, insurance-specific dashboard tools, and any insurance-enrollment functionality are restricted to appropriately licensed insurance professionals. Access to a feature does not replace an advisor's obligation to hold every license, appointment, certification, registration, training, or authorization required by law.

You must provide complete, current, and accurate identity, contact, professional, billing, certification, and licensing information. You are responsible for your credentials, authorized users, devices, and account activity.

You may not share credentials, impersonate another person, create duplicate accounts to evade a restriction, submit false license information, manipulate payments or codes, scrape or reverse engineer systems, interfere with security, or use CHCA services unlawfully.

Report unauthorized access, suspected compromise, or inaccurate account information promptly to support@certifiedhealthcareadvisor.com.

For insurance-specific tools, each advisor must maintain one resident or home-state license record and every applicable nonresident license record, including state, license number, and expiration date.

Every addition or change requires an affirmative electronic attestation that the information is complete, current, and accurate. CHCA records the accepted statement and version, advisor account, affected license, timestamp, and IP or comparable device evidence.

An expired, suspended, revoked, restricted, inactive, or misrepresented license makes the advisor ineligible for matching and fee-based planning in the affected state. Providing false or misleading licensing information is a material breach and may result in suspension, termination, consumer refunds, offsets, reimbursement obligations, and legal or regulatory consequences.

Good standing requires active certification, current payment and renewal status, acceptance of current agreements and policies, no administrative or compliance suspension, and an active unexpired insurance license in the relevant consumer or client state for insurance-specific services.

An initial enrollment and each annual renewal provide 12 months of applicable certification designation and platform access from the purchase or renewal date, subject to eligibility and good standing.

The Certified Health Care Advisor™ designation and related marks may be used only as authorized while certification remains active. Rights to use the designation, logos, white-label materials, or advisor tools end upon lapse, suspension, or termination.

Certification does not replace state licensing, appointments, continuing education, carrier requirements, Medicare training, or other legal or professional obligations.

The pricing schedule effective April 1, 2026 is:

• Standard initial enrollment: $699;
• Initial enrollment with a valid affiliate code: $599;
• Annual renewal for existing and new advisors: $149; and
• Free advisor events: $0.

Only one code may be used during initial enrollment. Affiliate and discount codes cannot be combined. Codes do not apply to annual renewal unless CHCA expressly states otherwise in a future versioned offer.

A valid affiliate code reduces the initial enrollment price by $100 and attributes the enrollment to one affiliate. Affiliate compensation is governed by the separate CHCA Affiliate Program Terms.

CHCA may change pricing prospectively with at least 30 days' notice. The server-side transaction record and pricing version accepted at checkout control.

Initial-enrollment refunds and annual-renewal cancellation are governed by the Advisor Cancellation Policy.

A qualifying initial-enrollment refund must be requested within 30 calendar days after purchase. The entire refund is denied if any learning module was opened, fee-based planning was completed through the Platform, or a book order was placed.

Annual renewal is $149 and is nonrefundable once processed. An advisor may prevent the next renewal through the self-service portal or a written request to support@certifiedhealthcareadvisor.com before the renewal date. CHCA sends a notice at least 30 days before renewal and a reminder approximately five to seven days before the charge.

Advisor events are educational and promotional presentations and are free to attend unless a specific event page expressly states otherwise. No purchase is required.

Enrollment at or after an event is a separate transaction governed by the current enrollment terms and Advisor Cancellation Policy. Event registration does not guarantee certification, account approval, a discount, leads, revenue, or business results.

Platform features may include education, certification, reporting, compliance resources, customizable books, lead management, client records, matching, planning invoices, payment administration, and business tools.

WebCE, Inc. may administer CHCA-designated coursework or examinations. WebCE's separate terms and privacy policy govern its systems. Each candidate must confirm whether coursework satisfies applicable continuing-education or licensing requirements.

CardPointe processes applicable payments under its terms. CHCA receives transaction records and tokens needed for billing, accounting, refunds, payouts, fraud prevention, and support rather than complete payment-card numbers.

CHCA is not responsible for third-party outages, terms, content, or decisions beyond obligations that cannot lawfully be disclaimed.

CHCA owns or licenses the platform, software, training, templates, books, designs, marks, certification materials, and other content.

An eligible advisor receives a limited, nonexclusive, nontransferable, revocable right to use authorized services and materials for permitted professional business purposes. White-label rights and book authorship are limited marketing privileges and do not transfer ownership.

Standard books have no territory exclusivity. A qualifying premium-book purchase may provide one revocable county license while the related subscription remains active and in good standing. Additional counties require additional qualifying purchases. County rights are not ownership, a franchise, a perpetual territory, a renewal right, or a right of first refusal.

The advisor remains responsible for reviewing materials used under the advisor's name and complying with advertising, insurance, Medicare, privacy, and professional rules.

Every consumer match requires active CHCA certification and good standing and an active insurance license in the consumer's state.

The advisor must accept an assignment within 48 hours. Full consumer personally identifying information remains hidden until acceptance. After acceptance, the advisor must record a first contact attempt within 48 hours.

Match information may be used only to respond to and serve the referred consumer. No advisor is guaranteed any number, type, location, or value of leads. CHCA may decline, reassign, flag, suspend, or terminate matching based on eligibility, availability, compliance, performance, consumer request, or administrator review.

Fee-based planning is restricted to appropriately licensed insurance professionals with an active license in the client's state.

Before every planning invoice, the advisor must affirm:

The acknowledgement must not be preselected and must be recorded with the exact version, advisor, client or engagement, invoice, timestamp, and IP or comparable device evidence.

Duplicate client records, alternate email addresses, divided household engagements, altered names, or other methods may not be used to evade the restriction.

The advisor independently selects the planning service and fee from the Platform's permitted schedule and is responsible for suitability, fairness, reasonableness, written disclosure, documentation, and legality. No fee may be charged merely for insurance enrollment.

Before payment, the client must receive and sign the current Client Disclosure & Fee Agreement. The signed fee must match the invoice.

CardPointe processes the payment. CHCA collects the payment on the advisor's behalf, retains 10% of the collected planning invoice, pays the CardPointe processing fee from CHCA's 10%, and remits the remaining amount under the platform payout schedule.

The advisor bears refunds, reversals, chargebacks, and related costs. CHCA may reserve, delay, withhold, offset, or recover funds during an investigation or when amounts are owed.

The advisor is solely responsible for professional services, advice, recommendations, suitability, fees, records, client communications, licensing, carrier appointments, and compliance with applicable law.

Advisors must comply with Medicare and CMS requirements; federal and state insurance rules; privacy, security, and breach requirements; applicable tax, securities, investment-adviser, anti-kickback, anti-inducement, fee-splitting, advertising, and consumer-protection rules; and CHCA policies.

Insurance professionals using applicable tools must maintain Errors & Omissions coverage of at least $1,000,000 per occurrence and provide evidence when requested.

CHCA tools, books, templates, reports, and forms are conveniences and are not legal, tax, investment, compliance, or professional advice.

Advisor information is handled under the Advisor Privacy Policy.

Advisors must protect consumer and client information, use secure credentials and devices, avoid unauthorized export or disclosure, and report suspected incidents promptly.

Public consumer forms must not be used for medical records or detailed health information. An advisor may not enter Protected Health Information into a CHCA system unless CHCA has enabled the feature and the applicable Business Associate Agreement has been executed. The Business Associate Agreement controls conflicts involving PHI.

CHCA may monitor, review, limit, reject, condition, suspend, or terminate feature access when CHCA identifies or reasonably suspects excessive fees, false licensing information, fraud, payment misuse, complaints, chargebacks, privacy or security risk, policy violation, or legal noncompliance.

CHCA may hold or offset funds, require corrective action or consumer notice, require consumer refunds, and make legally permitted reports. CHCA's ability to review activity does not transfer professional responsibility to CHCA or create a duty to supervise every advisor.

Advisors are independent contractors, not CHCA employees, agents, partners, joint venturers, franchisees, or fiduciaries. Advisors cannot bind CHCA and are responsible for their businesses, taxes, staff, expenses, licenses, services, and clients.

Nothing in these Advisor Terms creates an advisory, fiduciary, agency, partnership, employment, or joint-venture relationship between CHCA and an advisor or between CHCA and an advisor's client.

Advisor services are provided "as is" and "as available." CHCA does not guarantee uninterrupted platform access, certification results, state credit, leads, clients, revenue, conversion, exclusivity, business results, or third-party availability.

To the fullest extent permitted by law, CHCA is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, lost profits, lost business, or losses caused by advisor conduct or third parties.

The User Dashboard Agreement contains the controlling liability allocation for platform services and transactions. Nothing limits liability that cannot lawfully be limited.

The advisor must indemnify, defend, and hold harmless CHCA and its members, officers, employees, contractors, and agents from claims, losses, liabilities, fines, penalties, costs, and reasonable attorneys' fees arising from the advisor's professional services, licensing or attestation violation, fee or invoice, planning/enrollment separation violation, duplicate-planning violation, refund or chargeback, branded material, data or privacy violation, legal noncompliance, or breach of an agreement.

The User Dashboard Agreement contains the controlling indemnity for platform use.

Either party may terminate an advisor account by written notice, subject to current-term, payment, record, and surviving obligations. CHCA may suspend or terminate immediately for material breach, nonpayment, false licensing data, fraud, payment misuse, privacy or security breach, or legal noncompliance.

Termination ends future access and the right to use CHCA designation and materials. CHCA retains required account, agreement, licensing, matching, client, invoice, payment, payout, compliance, and audit records for seven years after the later applicable termination, engagement, transaction, or record event, or longer when required.

PHI is returned, retained, or destroyed as required by the applicable Business Associate Agreement and law.

These Advisor Terms are governed by Georgia law, without regard to conflict-of-law principles.

Before filing a legal action, the parties will provide written notice and attempt a good-faith informal resolution. Any unresolved action must be brought in the state courts located in Fulton County, Georgia, or the federal courts with jurisdiction over Fulton County, Georgia. These Advisor Terms do not require mandatory arbitration and do not include a class-action waiver.

CHCA may update these Advisor Terms prospectively. Material changes require versioned notice and, where they affect account or platform obligations, affirmative electronic reacceptance.

For platform matters, the current User Dashboard Agreement controls. For PHI, the applicable Business Associate Agreement controls. For an affiliate relationship, the Affiliate Program Terms control. For a specific transaction, the accepted pricing schedule, checkout disclosure, signed client disclosure, and transaction record apply to their stated subject.

Historical acceptance and transaction records remain associated with the version in effect when recorded.

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