Professional User Terms of Service

(For SOA Vault, Agent Vault, and HealthLink Secure professionals)

Last Updated: June 26, 2026

1. Agreement to Terms

These Professional User Terms of Service (“Terms”) constitute a binding legal agreement between Ardor Service LLC d/b/a Informed + Choice (“Company,” “we,” or “us”) and you (“Customer,” “Agent,” or “Provider”). These Terms govern your access to HealthLink Secure, SOA Vault, Agent Vault, and related Medicare SOA, ACA compliance, annual review, plan assessment, and vault workflows (collectively, the “Services”).

BY CLICKING “I AGREE” OR ACCESSING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS.

2. HIPAA Compliance & Business Associate Agreement

To the extent you use the Services to store, transmit, or process Protected Health Information (PHI), you agree to be bound by the Business Associate Agreement (BAA) located at https://informedpluschoice.com/legal/baa, which is hereby incorporated by reference into these Terms.

3. Subscription & Fees

3.1 Fees

You agree to pay the subscription fees specified at checkout (e.g., $9.99/month for SOA Vault). New paid subscriptions are eligible for the 30-day money-back guarantee described in our Refund Policy. After that guarantee period, fees are non-refundable except as required by law.

3.2 Auto-Renewal

Subscriptions automatically renew until you cancel.

3.3 Cancellation

You may cancel at any time. Upon cancellation, your ability to create new documents will cease, but access to existing records will be governed by the Data Retention Policy below.

4. Your Responsibilities

4.1 Compliance

You are solely responsible for ensuring your use of the Services complies with all applicable laws, including CMS Marketing Guidelines, HIPAA, and the Telephone Consumer Protection Act (TCPA).

If you use our audio recording features, YOU WARRANT that you have obtained all necessary consents from all parties on the call, as required by your state’s wiretapping laws. You agree to indemnify Company for any claims arising from your failure to obtain consent.

4.3 Signing Links

You are responsible for verifying the identity of any individual to whom you send a digital signing link.

5. Annual Review Assessment Tools

5.1 Assessment Tools and Outputs

The Services may include annual review, plan assessment, plan comparison, prescription drug, pharmacy, provider-directory, current-plan, benefit, ranking, flagging, or triage tools for Medicare plan review workflows.

These tools may generate outputs such as:

Annual Review Profiles.
Plan Review Assessments.
Estimated drug costs.
Pharmacy scenarios.
Formulary or coverage warnings.
Provider-directory matches or provider-confirmation flags.
Current-plan comparison information.
Review priority indicators.
Plans worth reviewing.
Plan rankings, sorting, or display order.
Agent notes and final disposition records.

These outputs are provided for licensed-agent review and documentation. They are not automatic recommendations, enrollment advice, legal advice, compliance advice, medical advice, or a determination that any plan is the best plan for a beneficiary.

5.2 Meaning of Rankings, Flags, and “Plans Worth Reviewing”

Any ranking, sorting, score, label, flag, or “plans worth reviewing” output is based on the data, assumptions, settings, and files available to the Services at the time the assessment is created.

Such outputs may consider factors such as:

Beneficiary location.
Medications, dosages, quantities, and pharmacies entered or confirmed.
Available formulary and drug-pricing data.
Plan premium and benefit data.
Selected pharmacy scenarios.
Provider-directory information.
Current-plan information.
Coverage warnings or restrictions.
Customer settings, filters, carrier appointments, or display preferences.
Data availability and plan-year file availability.

Unless the Services expressly state otherwise, a ranking or display order does not mean:

The first plan shown is the “best” plan.
The first plan shown is the lowest-cost plan for all purposes.
All Medicare plans available to the beneficiary are shown.
All plan features, provider relationships, drug restrictions, benefits, costs, or suitability factors have been considered.
A plan is appropriate for enrollment.
A provider, pharmacy, drug, cost, or benefit has been finally verified.
Medicare, CMS, Informed + Choice, Agent Vault, or the Services recommends the plan.

The phrase “plans worth reviewing” means plans that may deserve licensed-agent review based on the information available to the Services. It does not mean those plans are recommended.

The phrase “estimated lowest cost,” if used, means the lowest estimated cost among the plans, pharmacies, assumptions, and data included in that assessment at that time. It is not a guarantee of actual cost and is not a complete suitability determination.

5.3 Agent Responsibility for Review and Recommendation

You are solely responsible for reviewing any Plan Review Assessment before relying on it or presenting conclusions to a beneficiary.

Before making a recommendation or submitting an enrollment, you must independently verify all material information, including as applicable:

Beneficiary eligibility.
Service area.
Current plan status.
Plan availability.
Premiums.
Benefits.
Drug coverage.
Formulary tier.
Prior authorization, step therapy, quantity limits, and other restrictions.
Pharmacy network status.
Preferred or standard pharmacy status.
Estimated costs.
Provider and facility network participation.
Carrier rules and enrollment requirements.
Scope of Appointment, permission-to-contact, marketing, and documentation requirements.

Provider-directory matches and pharmacy-network information are provided for review support only. You should confirm important providers, facilities, pharmacies, and medication coverage before making a recommendation, especially where the beneficiary considers the provider, facility, pharmacy, or medication important.

You may not represent any Plan Review Assessment as a recommendation from Medicare, CMS, Informed + Choice, Agent Vault, or the Services.

5.4 Filtered or Limited Plan Displays

If you configure the Services to show only certain carriers, contracts, plan types, appointed carriers, agency-approved plans, or other filtered results, you are responsible for understanding and accurately describing those limits.

You may not tell a beneficiary that a filtered plan display shows all available Medicare plan options unless the display actually includes all plans available for that beneficiary and plan type.

If you provide a beneficiary with a summary based on a filtered display, you must make clear that the summary is based on the plans and criteria included in the assessment.

5.5 Use of Annual Review Data

You may use Medicare Data, Annual Review Profiles, Plan Review Assessments, Annual Review Records, and related outputs only to assist the named beneficiary with Medicare plan review, enrollment support, client service, documentation, compliance, and related activities for that beneficiary relationship.

You may not:

Sell Annual Review Data.
Use Annual Review Data as a lead list.
Use Annual Review Data for unrelated marketing.
Share Annual Review Data with unrelated agents, agencies, vendors, FMOs, carriers, or platforms except as authorized by the beneficiary, required for requested plan review or enrollment support, permitted by your agreement with us, or required by law.
Upload Annual Review Data or Plan Review Assessments to unapproved AI tools or public systems.
Represent assessment outputs as guaranteed, complete, or final.
Use assessment outputs when you know or reasonably should know that the information is outdated, incomplete, or incorrect.

5.6 Error Handling and Data Updates

You acknowledge that Medicare Data, plan data, formulary data, pharmacy-network data, drug-pricing data, benefit data, provider-directory data, and beneficiary-submitted information may be incomplete, delayed, outdated, incorrectly matched, or subject to change.

If you identify a material error in an Annual Review Profile, Plan Review Assessment, or related output, you must not rely on that output until the information is corrected or independently verified. You agree to promptly notify Informed + Choice of material system errors you discover.

6. Data Retention & Offboarding

6.1 CMS Retention

You acknowledge that CMS regulations may require you to retain Scope of Appointment (SOA) and audio records for ten (10) years.

6.2 Scope of This Section

This Section 6.2 through 6.10 applies specifically to records, files, documents, audio recordings, PDFs, signatures, audit-ready artifacts, and related materials that are saved to or maintained in the Vault portion of the Services (“Vault Artifacts”).

6.3 Export Right Upon Termination

Upon expiration or termination of the applicable order form, subscription, or access term, you may, during the thirty (30) days following the effective date of termination, access the export functionality of the Services solely for the purpose of retrieving Vault Artifacts and Customer-required records from the Vault. During that post-termination period, we may permit you to access export functionality even if you no longer have active paid entitlement to use the operational features of the Services.

6.4 Standard Export Format

Unless otherwise stated in an order form or other written agreement, our standard offboarding deliverable is a manifest-first export identifying the records and artifacts available for retrieval, together with time-limited authenticated download access to individual artifacts or grouped export packages made available in our standard format. We are not required to provide direct bucket access, unrestricted raw storage access, or any particular third-party import format unless expressly agreed in writing.

6.5 Included Export; Additional Services

One standard export for the applicable customer workspace or tenant is included in the ordinary offboarding process. Any nonstandard export packaging, custom mapping, physical media delivery, migration assistance, expedited handling, or other professional-services support will be billed at our then-current professional-services rates unless otherwise stated in an order form or other written agreement.

6.6 Deletion Requires Prior Export and Express Request

We will not process a request to delete regulated records, Customer Data, or PHI-bearing Vault Artifacts as part of offboarding unless (a) we have first made the applicable export available to you, and (b) you thereafter submit an express deletion request through our designated process. Silence, account inactivity, or termination alone does not constitute a deletion instruction.

6.7 Customer Responsibility After Export

Once you have downloaded or had a reasonable opportunity to retrieve the export we make available, you are solely responsible for retaining, storing, and producing any records that you are required to maintain under applicable law, regulation, contractual obligation, payer requirement, audit requirement, or complaint-response obligation. We do not assume your ongoing recordkeeping obligations after completion of offboarding except to the limited extent we are independently required to retain data by applicable law, security policy, legal hold, or the parties’ written agreement.

6.8 Retained Records; Limited Residual Data

Notwithstanding anything to the contrary, we may retain: (i) billing and payment records; (ii) audit logs, access logs, export logs, deletion attestations, and system security records; (iii) legal-hold materials; (iv) records retained to comply with applicable law, regulation, subpoena, court order, payer requirement, or governmental request; and (v) minimal metadata, tombstone records, hashes, and other residual records reasonably necessary to preserve system integrity, prove prior processing history, prevent duplicate restoration, or document deletion or redaction activity. Any such retained records remain subject to applicable confidentiality, security, and use restrictions.

6.9 Manner of Deletion

Following a valid deletion request, we may delete, redact, minimize, or render inaccessible applicable Vault Artifacts from active application stores in accordance with our standard offboarding and retention procedures. You acknowledge that immediate deletion from all systems may not be technically possible where data is subject to immutable storage controls, legal holds, fraud-prevention or security controls, or backup and archival lifecycle processes, and that we may complete deletion or redaction through a controlled privileged process rather than through ordinary runtime access paths.

6.10 Suspension of Access After Offboarding Window

After the expiration of the post-termination export window, we may disable your access to the Services and any export interface, except to the extent otherwise required by law or expressly agreed in writing.

6.11 Priority of BAA

If the parties have entered into a Business Associate Agreement, then with respect to Protected Health Information, the Business Associate Agreement will control to the extent of any conflict between that agreement and this Section.

7. Prohibited Uses

You will not:

Use the Services for any illegal purpose, including insurance fraud or unauthorized marketing.
Attempt to reverse engineer the platform or scrape data.
Use any PHI accessed via the Services to train Artificial Intelligence (AI) models.

8. Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE SERVICES WILL MEET CMS AUDIT REQUIREMENTS FOR EVERY SPECIFIC CARRIER OR SCENARIO.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

10. Indemnification

You agree to defend, indemnify, and hold harmless Informed + Choice from any claims, damages, or fines (including HIPAA fines or TCPA damages) arising out of your misuse of the Services, your violation of laws, or your failure to obtain necessary beneficiary consents.