Avero Website Terms of Use
Last Updated: 10/21/2026
These Website Terms of Use (these “Terms”) govern youraccess to and use of the public websites operated by Avero Health Inc.(“Avero,” “Avero Health,” “we,” “us,” or “our”), including averohealth.com andany related pages, subdomains, content, and features that link to these Terms(collectively, the “Site”).
By accessing or using the Site, you agree to these Terms.Avero’s collection, use, disclosure, and protection of personal information aredescribed in the Avero Privacy Policy. If you do not agree to these Terms, donot use the Site.
These Terms apply only to the public Site. Access to and useof Avero’s software platform, portals, enrollment tools, and administrativeservices (the “Avero Platform”) are governed by separate agreements, includingthe Avero Employer Platform and Services Agreement, the Avero Employee andParticipant Platform Agreement, and any other agreement presented at the timeof platform access (collectively, the “Platform Agreements”). If there is anyconflict between these Terms and an applicable Platform Agreement with respectto the Avero Platform, the Platform Agreement controls.
1. The Site Is Informational Only
The Site provides general information about Avero, itsproducts and services, individual coverage health reimbursement arrangements(ICHRAs), health reimbursement arrangements, benefits administration, andrelated topics. All content on the Site — including text, descriptions, featuresummaries, illustrations, examples, estimates, calculators, comparisons,articles, FAQs, graphics, animations, and videos (collectively, “Content”) — isprovided for general informational and marketing purposes only.Content is not, and should not be relied on as, legal, tax,accounting, actuarial, financial, medical, insurance, or benefits advice, anddoes not create any advisory, fiduciary, broker, agency, or client relationshipbetween you and Avero. Descriptions of laws, regulations, programs, or benefitarrangements are simplified summaries, may be incomplete or outdated, and maynot reflect the requirements applicable to your specific circumstances. Youshould consult your own qualified advisors before making any decision based onContent.Content does not constitute an offer, quote, proposal,guarantee, or binding commitment by Avero regarding any product, service,feature, pricing, availability, timeline, or outcome. Products, services,features, and pricing described on the Site may change, may not be available inall states or markets, and may be subject to eligibility requirements andseparate written agreements.
2. Eligibility
The Site is intended for users who are at least 18 years ofage or the age of majority in their jurisdiction. By using the Site, yourepresent that you meet this requirement. The Site is intended for users in theUnited States, and Avero makes no representation that the Site or Content isappropriate or available in other locations.
3. Intellectual Property;Limited License
Avero owns all right, title, and interest in and to the Siteand Content, including all text, copy, designs, graphics, illustrations,animations, videos, audio, user interfaces, screen layouts, look and feel,product and feature descriptions, workflows depicted on the Site, logos,trademarks, service marks, trade names, trade dress, software, source code, andthe selection, combination, and arrangement of all of the foregoing, togetherwith all intellectual property rights therein. The Site and Content are protectedby United States and international copyright, trademark, trade secret, andother intellectual property laws.Subject to your compliance with these Terms, Avero grantsyou a limited, non-exclusive, non-transferable, non-sublicensable, revocablelicense to access and view the Site and Content for your personal,informational, non-commercial use, or for your internal business use inevaluating Avero’s products and services. No other rights are granted. Allrights not expressly granted are reserved by Avero.“Avero,” the Avero logo, and other Avero marks displayed onthe Site are trademarks of Avero Health Inc. You may not use Avero’s markswithout Avero’s prior written consent. Third-party names and marks referencedon the Site are the property of their respective owners, and no affiliation orendorsement is implied.
4. Prohibited Uses
You agree not to, and not to assist, permit, or enable anyother person to:• copy, reproduce, republish, distribute, display,frame, mirror, or create derivative works of the Site or Content, in whole orsubstantial part, except for the limited license granted above;• scrape, crawl, spider, harvest, index, orextract data or Content from the Site using any automated means, includingbots, scripts, or scrapers, without Avero’s prior written consent (and exceptby public search engines using compliant robots.txt-directed indexing for thepurpose of returning search results);• use the Site or any Content to train, fine-tune,develop, or improve any artificial intelligence, machine learning, or largelanguage model, or include the Site or Content in any dataset used for suchpurposes, without Avero’s prior written consent;• use the Site or Content to build, assist inbuilding, design, specify, benchmark, or market a competing or substituteproduct, service, platform, or website, or to conduct competitive analysis forsuch purposes beyond ordinary review of publicly available information;• reverse engineer, decompile, or attempt toextract the source code, structure, or underlying technology of the Site;• interfere with, disrupt, disable, overburden, orimpair the Site or its security, or attempt to gain unauthorized access to theSite, related systems, or other users’ information;• introduce viruses, malware, or other harmfulcode;• impersonate any person or misrepresent youridentity or affiliation;• use the Site to send unsolicited communications,spam, or marketing;• remove, obscure, or alter any copyright,trademark, or other proprietary notice; or• use the Site or Content in violation of anyapplicable law, regulation, or third-party right.Avero may investigate suspected violations, restrict orblock access, employ technical protection measures, and pursue all availablelegal and equitable remedies. You acknowledge that violation of this Section 4or Section 3 may cause Avero irreparable harm for which monetary damages wouldbe inadequate, and that Avero is entitled to seek injunctive and otherequitable relief, in addition to all other remedies, without posting a bond.
5. Submissions Through the Site
The Site may allow you to submit information through contactforms, demo requests, newsletter sign-ups, career applications, chat features,or similar tools (“Submissions”). You represent that your Submissions areaccurate and that you have the right to provide them. Avero may use Submissionsto respond to you, provide requested information, market its products andservices, and operate its business, in accordance with the Avero PrivacyPolicy.Do not submit sensitive personal information — includingSocial Security numbers, health information, or financial account information —through the public Site. The Site’s general contact and marketing tools are notdesigned for sensitive information, and any such information should be providedonly through the Avero Platform under the applicable Platform Agreement.Submissions through the Site do not create an enrollment,application, coverage request, service request, or other legally effectivetransaction, do not establish any client, advisory, or service relationship,and do not obligate Avero to respond or take any action. Submissions to Averodo not extend, suspend, satisfy, or toll any deadline imposed by any insurancecarrier, exchange, marketplace, governmental agency, employer, plan, or otherthird party.Do not use the Site or any Submission for medicalemergencies or time-sensitive enrollment, payment, appeal, COBRA, coverage,reimbursement, or claims matters. For medical emergencies, contact emergencyservices. For other time-sensitive matters, contact the applicable Carrier,exchange, marketplace, Employer, Plan Administrator, COBRA administrator, orother official source directly.If you provide Avero with any suggestions, ideas, feedback,or other input regarding Avero, the Site, or Avero’s products or services(“Feedback”), you assign to Avero all right, title, and interest in theFeedback, and Avero may use it for any purpose without restriction orcompensation.
6. Third-Party Links andContent
The Site may contain links to, or content from, third-partywebsites, resources, tools, or services, including carrier, exchange,marketplace, governmental, or industry resources. These are provided forconvenience only. Avero does not control, endorse, or assume responsibility forany third-party website, content, product, or service, and your use of them isat your own risk and subject to their own terms and privacy policies.
7. Privacy
Avero’s collection, use,disclosure, and protection of personal information in connection with the Siteare described in the Avero Privacy Policy. The Site may use cookies and similartechnologies as described in the Avero Privacy Policy. The Privacy Policy is anotice of Avero’s data practices and is not incorporated into these Terms as acontractual promise, except to the extent required by applicable law.
8. Disclaimer of Warranties
THE SITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND“AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THEAVERO PARTIES DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OROTHERWISE, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR APARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS,TIMELINESS, RELIABILITY, AVAILABILITY, UNINTERRUPTED OR ERROR-FREE OPERATION,OR SECURITY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.AVERO DOES NOT WARRANT THAT THE SITE OR CONTENT IS ACCURATE, COMPLETE, ORCURRENT, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE IS FREE OF VIRUSES OROTHER HARMFUL COMPONENTS.For purposes of these Terms, “Avero Parties” means Avero andits affiliates, officers, directors, employees, contractors, subcontractors,service providers, licensors, agents, successors, and assigns.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NOAVERO PARTY SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL,SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE,DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO THESETERMS, THE SITE, OR ANY CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCHDAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE AGGREGATELIABILITY OF ALL AVERO PARTIES COLLECTIVELY ARISING OUT OF OR RELATING TO THESETERMS, THE SITE, OR ANY CONTENT SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS($100).The limitations in this section do not apply to liabilitythat cannot be limited or excluded under applicable law, and nothing in theseTerms waives any consumer protection right you have under the laws of yourstate of residence that cannot be waived by agreement.
10. Indemnification
To the maximum extent permitted by law, you agree toindemnify, defend, and hold harmless the Avero Parties from and against anythird-party claims, losses, damages, liabilities, costs, and expenses,including reasonable attorneys’ fees, arising out of or related to: (a) yourviolation of these Terms; (b) your violation of any law or any third party’srights, including intellectual property, privacy, or confidentiality rights;(c) your Submissions; or (d) your misuse of the Site or Content, including any scraping,copying, competitive use, or use in connection with artificial intelligence ormachine learning in violation of these Terms.
11. Suspension and Termination
Avero may suspend, restrict, block, or terminate your accessto the Site at any time, with or without notice, for any reason, includingsuspected violation of these Terms. Sections 3, 4, 5, and 8 through 14 surviveany termination of these Terms or your access to the Site.
12. Governing Law; Dispute Resolution
These Terms and any dispute arising out of or relating tothese Terms, the Site, or the Content are governed by the laws of the State ofMinnesota, without regard to conflict-of-law principles. Any such dispute shallbe resolved in the state or federal courts located in Wright County, Minnesota,or, if a federal court does not sit in Wright County, in the federal court withjurisdiction over Wright County, Minnesota, and each party consents to thepersonal jurisdiction and venue of such courts.TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, EACHPARTY IRREVOCABLY WAIVES ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION,PROCEEDING, OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THESE TERMS, THESITE, OR THE CONTENT.TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOUAND AVERO AGREE THAT ANY CLAIM OR DISPUTE ARISING OUT OF OR RELATING TO THESETERMS, THE SITE, OR THE CONTENT MUST BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITYAND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE,REPRESENTATIVE, PRIVATE ATTORNEY GENERAL, OR CONSOLIDATED ACTION.If the foregoing class-action waiver is found unenforceableas to a particular claim or jurisdiction, that claim may proceed as required bylaw, but the waiver remains enforceable as to all other claims, and theremainder of these Terms remains in full effect. In any action arising out ofor relating to these Terms, the prevailing party may, in the discretion of thecourt, be entitled to recover its reasonable attorneys’ fees and costs.
13. Changes to the Site andThese Terms
Avero may modify, update, suspend, or discontinue the Siteor any Content at any time without notice. Avero may update these Terms fromtime to time by posting the updated Terms on the Site with a revised “LastUpdated” date. Your continued use of the Site after updated Terms are postedconstitutes acceptance of the updated Terms. If you do not agree to updatedTerms, your only remedy is to stop using the Site.
14. General Terms
These Terms constitute the entire agreement between you andAvero regarding the Site and supersede any prior or contemporaneousunderstandings regarding the Site. These Terms do not amend, replace, or modifyany Platform Agreement, insurance policy, plan document, or other writtenagreement between you (or your employer) and Avero or any third party.If any provision of these Terms is held invalid orunenforceable, the remaining provisions will remain in effect, and the invalidor unenforceable provision will be deemed modified to the minimum extentnecessary to make it enforceable. No waiver is effective unless in writing, andfailure to enforce a provision is not a waiver. You may not assign these Terms;Avero may assign these Terms to an affiliate or in connection with a merger,acquisition, reorganization, financing, sale of assets, or similar transaction.No person other than you and Avero is a third-party beneficiary of these Terms,except that the Avero Parties are intended third-party beneficiaries of, andmay enforce, the provisions that protect or benefit them.Questions about these Terms may be directed to Avero at thecontact information provided on the Site.