Terms of Service

1. Acceptance of Terms

By accessing or using omnicaid.com ("the Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Website.

These Terms apply to all visitors, users, and others who access or use the Website. Omnicaid is operated by Denari Group LLC.

2. Description of Services

Omnicaid provides free online Medicaid eligibility screening tools, educational content about Medicaid and health insurance coverage, and referral services connecting consumers with licensed health insurance enrollment specialists.

Our eligibility determinations are estimates based on the information you provide and general Medicaid eligibility rules. We do not make official eligibility determinations — those are made exclusively by state Medicaid agencies.

3. Not a Government Website

Omnicaid is not a government website. We are not affiliated with any federal or state Medicaid agency, the Centers for Medicare & Medicaid Services (CMS), the Health Insurance Marketplace, or any other government entity. Use of our services does not constitute an official Medicaid application.

4. User Responsibilities

By using our Website and services, you agree to:

• Provide accurate and truthful information when completing our eligibility quiz • Not use the Website for any unlawful purpose • Not attempt to gain unauthorized access to our systems or data • Not use automated tools to scrape, crawl, or extract data from our Website • Not impersonate any person or entity or misrepresent your affiliation with any person or entity

5. No Professional Advice

The information provided on Omnicaid is for general informational purposes only and does not constitute legal, financial, medical, or insurance advice. You should consult with a licensed professional for advice specific to your situation.

Our eligibility screening tool provides estimates only. Actual Medicaid eligibility depends on many factors and is determined by your state Medicaid agency.

6. Referral to Third Parties

By submitting your information through our eligibility quiz, you authorize Omnicaid to share your information with licensed enrollment specialists, health insurance agents, and enrollment organizations who may contact you about Medicaid enrollment and health coverage options.

Omnicaid does not control and is not responsible for the actions, content, or privacy practices of these third-party partners. Your interactions with third-party partners are governed by their own terms and policies.

7. Intellectual Property

All content on the Website, including text, graphics, logos, images, and software, is the property of Denari Group LLC or its content suppliers and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content on the Website without our prior written consent.

8. Disclaimer of Warranties

THE WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. OMNICAID DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, OMNICAID AND DENARI GROUP LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE WEBSITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THESE TERMS OR YOUR USE OF THE WEBSITE SHALL NOT EXCEED $100.

10. Indemnification

You agree to indemnify, defend, and hold harmless Omnicaid, Denari Group LLC, and their officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Website, your violation of these Terms, or your violation of any third-party rights.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Website shall be resolved in the state or federal courts located in Los Angeles County, California.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last Updated" date. Your continued use of the Website after changes are posted constitutes acceptance of the updated Terms.

13. Contact Us

If you have questions about these Terms of Service, please contact us:

Omnicaid / Denari Group LLC Email: legal@omnicaid.com Website: omnicaid.com