TERMS OF USE

These Terms of Use ("Terms") govern your access to and use of the website and services provided by Tigerless Health, Inc. and its wholly-owned affiliate Tigerless Insurance Agency LLC (collectively, "Tigerless," "we," "us," or "our"). Please read these Terms carefully before using www.tigerless.com (the "Website" or "Service"). By visiting this Website or using any of our services, you agree to be bound by these Terms in full.

Insurance Agency Disclaimer

Tigerless Insurance Agency LLC acts solely as a licensed insurance agency and intermediary between customers and insurance carriers. Tigerless does not underwrite insurance policies, assume insurance risk, determine eligibility for coverage, or adjudicate insurance claims. All underwriting decisions, coverage determinations, policy terms, conditions, exclusions, and claims decisions are made exclusively by the applicable insurance carrier.

When you purchase insurance through this Website, you are entering into an insurance contract directly with the applicable insurance carrier, not with Tigerless Health, Inc. or Tigerless Insurance Agency LLC. The terms, conditions, coverage, and benefits of your insurance policy are governed solely by the policy documents issued by the carrier, which control in all cases. Tigerless makes no representation or warranty regarding the terms, adequacy, or suitability of any insurance policy offered through this Website.

Conditions of Use

We will provide our services to you subject to the conditions stated in this document. Every time you visit this Website, use its services, or make a purchase, you acknowledge that you have read, understood, and agree to be bound by these Terms in full.

Prohibited Uses and OFAC Compliance

The Services are subject to the trade and economic sanctions maintained by the Office of Foreign Assets Control ("OFAC"). By accessing the Services, you represent and warrant that you are not: (a) located in any country subject to OFAC trade and economic sanctions, including Cuba, Iran, North Korea, Syria, and the Crimea region of Ukraine; or (b) an individual or entity listed on any U.S. prohibited parties list, including the Treasury Department's List of Specially Designated Nationals ("SDN List") or Sectoral Sanctions List ("SSI List").

You also agree not to, directly or indirectly, sell, export, re-export, transfer, divert, or otherwise dispose of any service received from Tigerless in violation of these laws and regulations. Failure to comply may result in the immediate suspension or termination of your account and services.

Privacy Policy and Data Collection

Your use of this Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy at www.tigerless.com/privacy for information on how we collect, use, store, and disclose information about you.

We participate in affiliate programs, and third-party affiliate partners may independently collect data about traffic originating from this Website through links you click. We do not control the data collection practices of these third parties. Tigerless does not control and is not responsible for the data collection practices of third-party affiliates.

Electronic Communications

All communications between you and Tigerless are conducted electronically. By using this Website or contacting us by email, you consent to receive electronic communications from us. If you subscribe to updates or newsletters, you will receive regular emails from us. You agree that all notices, disclosures, agreements, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.

User-Submitted Content

Visitors may post content on this Website provided that such content is not obscene, illegal, defamatory, threatening, infringing on intellectual property rights, invasive of privacy, or otherwise injurious to third parties. Submitted content must be free of software viruses, political campaign material, and commercial solicitation.

We reserve the right (but not the obligation) to remove and/or edit any submitted content at our sole discretion. By posting content, you grant Tigerless Health, Inc. a non-exclusive, royalty-free, and irrevocable license to use, reproduce, publish, and modify such content throughout the world in any media.

Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, icons, and images, is the property of Tigerless Health, Inc. or its content licensors and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Website without our express prior written consent.

Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

THE WEBSITE AND ALL CONTENT, SERVICES, AND MATERIALS AVAILABLE THROUGH IT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TIGERLESS EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO: (A) IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT; (B) ANY WARRANTY THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; AND (C) ANY WARRANTY REGARDING THE ACCURACY, COMPLETENESS, TIMELINESS, OR RELIABILITY OF ANY CONTENT OR INFORMATION OBTAINED THROUGH THE WEBSITE.

THE INFORMATION ON THIS WEBSITE IS FOR GENERAL INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE PROFESSIONAL INSURANCE, LEGAL, FINANCIAL, OR TAX ADVICE. YOU SHOULD CONSULT A QUALIFIED PROFESSIONAL BEFORE MAKING ANY INSURANCE OR FINANCIAL DECISIONS.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, TIGERLESS HEALTH, INC. AND TIGERLESS INSURANCE AGENCY LLC, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOST PROFITS, LOSS OF DATA, OR LOSS OF GOODWILL — ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THIS WEBSITE OR OUR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE WEBSITE EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID TO TIGERLESS IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

Refund and Cancellation Policy

Tigerless does not permit cancellation of coverage once a policy is in effect, except as expressly set forth below.

F-1 Visa Waiver Plan: Tigerless will provide a 100% refund or cancellation only if the purchased plan does not meet the insurance requirements of the student's school. To be eligible for a refund, a written letter from the school providing a detailed explanation of the denial must be received by Tigerless within 30 days of the coverage purchase date.

OPT and H-1B Plans: These plans are non-refundable under all circumstances once coverage has been issued.

Processing Fees: All processing fees charged at the time of purchase are non-refundable, regardless of plan type or the reason for any cancellation or refund request.

User Account Responsibility

If you create an account on this Website, you are solely responsible for maintaining the confidentiality of your login credentials. You are responsible for all activities that occur under your account. Please notify us immediately of any unauthorized use of your account or any other breach of security. We reserve the right to terminate accounts, remove content, and cancel orders at our sole discretion.

Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to these Terms, your use of this Website, or any products or services purchased through this Website shall be resolved exclusively by the state or federal courts located in the State of New York. You irrevocably consent to the personal jurisdiction and exclusive venue of such courts and waive any objection based on improper venue or inconvenient forum.

Governing Law

These Terms and any dispute arising out of or related to them shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.

Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable under applicable law, that provision shall be deemed severed from these Terms and shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and any other policies or agreements expressly incorporated by reference herein, constitute the entire agreement between you and Tigerless with respect to your use of the Website and supersede all prior and contemporaneous agreements, representations, and understandings, whether oral or written, relating to the same subject matter.

Assignment

You may not assign, transfer, or delegate your rights or obligations under these Terms, in whole or in part, without our prior written consent. Any purported assignment without such consent shall be null and void. Tigerless may freely assign these Terms or any of its rights and obligations hereunder without restriction.

Modifications to These Terms

Tigerless reserves the right to modify these Terms at any time in its sole discretion. Any changes will be posted on this page with an updated effective date. Your continued use of the Website following the posting of revised Terms constitutes your acceptance of those changes. We encourage you to review these Terms periodically.

Last Updated: March 2026

The use of services provided by Tigerless Health, Inc. and its affiliate, Tigerless Insurance Agency LLC, is subject to our terms and conditions.

Tigerless Insurance Agency LLC. (“Tigerless”) (NPN #19358909) is a licensed insurance agency, not an insurer. The information presented on this website has been curated by Tigerless for the sole purpose of general information and education. Any descriptions of coverage do not modify or replace any insurance policy’s terms, definitions, conditions, limitations, or exclusions, including those related to preexisting conditions. The ultimate insurance policy premium for each policy is established by the underwriting insurance company subsequent to the application process. Tigerless is compensated through commissions and may receive other performance-based compensations for its services. Not all insurance products and services are available in all states. Rates are subject to change.

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