Important Disclosures
Insurance and Non-Insurance Website Disclosures | Effective Date: February 1, 2026
Important: These Important Disclosures clarify Oloa’s role and the limits of website summaries, marketing language, pricing statements, and third-party offering information so the site is read in the right legal frame.
This document applies to Oloa Solutions and is intended to work together with the other footer-linked legal documents on the website. In the event of a conflict between a general website summary and a product-specific governing document, the product-specific governing document controls unless applicable law requires otherwise.
1. Purpose and Scope
These Important Disclosures are intended to clarify Oloa Solutions’ role, the limits of the information and services presented on the website and related online workflows, and important conditions that apply to insurance and non-insurance products, programs, quotes, summaries, marketing materials, forms, and communications made available through or in connection with the website, portals, forms, and related services (collectively, the "Services").
These Important Disclosures supplement, and should be read together with, Oloa’s Terms of Use, Privacy Policy, and any product-specific notices, applications, authorizations, carrier forms, enrollment materials, or governing documents.
2. Oloa’s Role
Oloa may act as a platform, distributor, facilitator, marketing interface, technology layer, service coordinator, or referral path for both insurance and non-insurance products, programs, and services. Unless expressly stated in a separate written agreement signed by an authorized officer of Oloa, Oloa is not the insurer, underwriter, claims payer, healthcare provider, hospital, physician, fiduciary, guarantor, sponsor, or administrator of any third-party offering.
3. Insurance and Non-Insurance Distinction
The website may reference or facilitate access to both insurance and non-insurance offerings. Insurance products are governed by the terms of the policy, certificate, application, rider, endorsement, carrier rules, and other controlling documents issued or approved by the applicable licensed carrier or administrator. Non-insurance offerings are not insurance and are not subject to the same legal and regulatory framework as insurance unless expressly stated.
The existence of both insurance and non-insurance offerings on the website does not mean they are interchangeable, equivalent, regulated in the same way, or appropriate for every individual or group.
4. No Guarantee of Eligibility, Approval, Payment, or Results
Oloa does not guarantee that any user will qualify for, be approved for, enroll in, remain eligible for, or receive payment, reimbursement, provider access, tax treatment, savings, pricing, continuity, or any particular outcome from any product or program. Eligibility, underwriting, rates, provider participation, claims determinations, reimbursement, payment decisions, and other results are determined by the applicable carrier, administrator, provider, governing documents, or other third party, and may change without notice.
5. No Advice; No Fiduciary Relationship
Content on the website is for general informational and operational purposes only. Nothing on the website or in related communications constitutes medical advice, legal advice, tax advice, financial advice, benefits counseling, individualized insurance advice, or a recommendation that any specific offering is suitable for you. Oloa is not acting as your fiduciary, legal adviser, tax adviser, or healthcare provider. Users should consult their own qualified advisers before making decisions.
6. No Reliance on Website Summaries
Website content may include summaries, examples, FAQs, illustrations, marketing language, comparisons, estimated savings, testimonials, descriptions of features, or generalized explanations of offerings. These materials are provided solely as convenience summaries and are not exhaustive. They are not intended to replace the governing documents for a product, program, or service. If there is any conflict between website content and the governing documents, the governing documents control.
7. Carrier, Producer, Administrator, and Licensing Limits
Where insurance products are involved, the applicable licensed carrier, producer, agency, administrator, or other regulated party controls the underwriting, issuance, administration, and claims-related functions assigned to that party. Oloa’s website presence, marketing support, intake support, or facilitation role does not expand Oloa’s legal authority beyond what is actually permitted by applicable law, licensing status, contractual relationships, and the facts of the transaction.
Availability of specific insurance offerings may vary by state, jurisdiction, carrier appointment, producer licensing status, group eligibility, employer or association structure, underwriting criteria, and regulatory requirements.
8. Networks, Providers, and Access to Care
Any reference to provider access, networks, doctors, facilities, labs, or other healthcare resources is informational only unless expressly stated otherwise in controlling documents. Provider participation, network status, access, pricing, acceptance, and billing practices may change at any time and may differ by product, administrator, location, and provider. Oloa does not guarantee provider participation, acceptance, or billing outcomes.
9. Pricing, Savings, and Comparison Disclosures
Any pricing examples, savings statements, cost comparisons, affordability statements, annual increase references, or similar economic descriptions are illustrative only unless expressly stated otherwise in controlling written materials. Actual pricing, costs, savings, out-of-pocket exposure, and financial results may vary based on age, location, household structure, underwriting, selected options, product design, provider charges, claims experience, and other factors. Past pricing or prior program performance does not guarantee future pricing or results.
10. Testimonials, Endorsements, and Marketing Content
Testimonials, endorsements, case examples, or reviews reflect the experiences or opinions of the individual or entity providing them and may not be representative of the experience of all users. Marketing content is intended to provide a general overview and should not be treated as a promise of future performance or outcome. Any compensated endorsements or promotional relationships should be interpreted in light of the applicable compensation arrangements.
11. Third-Party Products and Services
Oloa may link to, integrate with, or facilitate access to third-party quote engines, forms, websites, portals, payment processors, administrators, networks, carriers, providers, support vendors, or other services not controlled by Oloa. Oloa does not guarantee the accuracy, legality, security, availability, content, or performance of third-party services and is not responsible for their terms, privacy practices, claims handling, billing decisions, provider participation, or operational performance.
12. Communications and Consent
By submitting information or contact details through the Services, you may receive communications from Oloa and, where appropriate, from carriers, producers, administrators, vendors, or partners regarding your request, transaction, support matter, service update, or other related topic. Communications may occur by email, phone, voicemail, SMS or text message, portal notification, or other reasonable means to the extent permitted by law. Message and data rates may apply.
13. Privacy and Data Practices
Use of the website and related online workflows is also subject to Oloa’s Privacy Policy. Oloa may collect, use, process, and disclose information as described in the Privacy Policy, in applicable notices at collection, and in product-specific workflows. Nothing in these Important Disclosures narrows or expands the rights and obligations described in the Privacy Policy except where a more specific disclosure is presented for a specific workflow.
14. Availability; Changes; No Obligation to Maintain
Oloa may change, suspend, discontinue, limit, or remove website content, workflows, products, programs, features, or related materials at any time, with or without notice, and without obligation to continue offering or supporting any particular product, program, feature, or pathway. Website content may be updated periodically, but Oloa does not undertake a duty to update every page, summary, comparison, or statement in real time.
15. Reservation of Rights
Oloa reserves all rights not expressly granted. No statement on the website or in related communications waives any limitation, condition, exclusion, legal defense, or contractual protection available to Oloa or any applicable third party.
16. Contact Information
If you have questions regarding these Important Disclosures, you may contact:
Oloa Solutions at info@oloasolutions.com or by mail at 3675 Crestwood Parkway, Suite 483, Duluth, Georgia 30096.