Terms of Service

Acceptance of Terms and Definitions

Access to and use of the Services are permitted only if you unconditionally accept these Terms. Acceptance is made in any of the following ways: by checking the box “I accept the Terms of Service” when registering an account; by continuing to use the Services after reviewing these Terms; or by submitting a request for assistance in selecting an insurance product through any of the Company’s channels.

Account registration and submission of an insurance application are available only to individuals who have reached eighteen years of age and have full legal capacity under the laws of their state of residence.

Definitions

“Averon Insurance,” “Company,” “we” means Sergei Nesterov, LLC, a Texas legal entity operating as a licensed insurance broker under the supervision of the Texas Department of Insurance.

“Services” means the Company’s digital platforms, including the website averoninsurance.com, the Telegram bot, the CRM portal, support chat, personal account, and other tools used in the course of providing brokerage services.

“Client,” “User,” “you” means an individual who requests services from the Company or uses any of the Services.

“Insurer” (Carrier) means a licensed insurance company that enters into an insurance contract with the Client and assumes insurance risk.

“Policy” means an insurance contract entered into between the Client and the Insurer.

“Platform partners” means third parties through which applications are transmitted to Insurers, including Health Sherpa, the Centers for Medicare & Medicaid Services, and other authorized platforms.

Broker Status and Scope of Services

Averon is a licensed insurance broker / agent and not an insurance company. Averon acts as an intermediary between the Client and Insurers, assisting the Client in selecting and enrolling in insurance products. The insurance contract is entered into solely between the Client and the Insurer; Averon is not a party to such contract and does not assume insurance risk.

Averon’s activities are regulated by the Texas Insurance Code, including Chapters 4001 and 4005, and are subject to the supervision of the Texas Department of Insurance (TDI). Information about the current license is available upon request.

Scope of Services Provided

Averon provides the following services:

• consulting on health insurance, life insurance, property insurance, and supplemental insurance products;
• selecting insurance options from partner Insurers and comparing policy terms and costs;
• assistance in preparing and submitting applications to Insurers, including through Health Sherpa and other authorized platforms;
• supporting the Client during policy enrollment stages and communicating with Insurers on behalf of the Client.

Limitations on the Scope of Services

Averon expressly does not provide, and assumes no obligation with respect to, the following:

• guaranteeing approval of the Client’s insurance application by an Insurer;
• guaranteeing any specific premium amount, insurance coverage, or other policy terms, which are determined solely by the Insurer;
• accepting or processing insurance payments — insurance premiums are paid by the Client directly to the Insurer or to an authorized platform; Averon does not have access to the Client’s payment credentials;
• making claim payment decisions or handling insurance claims — such actions are within the exclusive authority of the Insurer;
• providing legal, tax, investment, or other professional advice. Information provided by Averon is for informational purposes only and does not replace advice from a qualified attorney, tax advisor, or other professional adviser.

Compensation Disclosure

In accordance with Texas Insurance Code §4005.004, Averon Insurance hereby notifies the Client that the Company may receive commission and other compensation from partner Insurers in connection with the placement of insurance policies. Such compensation may include base commissions, contingent commissions, overrides, and other forms of valuable consideration paid by the Insurer or its affiliates.

Averon Insurance’s receipt of compensation from an Insurer does not increase the amount of the insurance premium paid by the Client. The Client has the right to request additional information about the amount and nature of compensation received by Averon Insurance in connection with a specific policy by submitting a written request using the contact details listed in Section 10.

Rules for Using the Services

To receive certain Services, the Client creates an account by providing a valid email address and setting a password. The Client is solely responsible for maintaining the confidentiality of the password and for any actions taken using the Client’s account. The Client must promptly notify the Company of any unauthorized access or possible compromise of the account using the contact details listed in Section 10.

Permitted Use

When using the Services, the Client agrees to:

• use the Services solely for lawful purposes related to receiving insurance brokerage services;
• provide accurate, complete, and current information;
• comply with applicable law, including U.S. and state insurance, tax, and immigration laws;
• respect the intellectual property rights of the Company and third parties.

Prohibited Use

The Client is expressly prohibited from:

• using the Services for fraudulent, unlawful, or misleading activities;
• knowingly providing false information about themselves, dependents, income, immigration status, or other material facts;
• engaging in automated data collection (scraping), reverse engineering, decompilation, or other unauthorized extraction of information;
• bypassing technical protection measures, including authentication systems, bot protection, and other security mechanisms;
• using the Services to distribute malware, spam, or other unwanted content;
• transferring access to an account to third parties without the Company’s written consent;
• using the Services in a manner that may cause failure, overload, or disruption of the Company’s infrastructure.

Applicability to All Channels

These Terms apply to all channels of interaction between the Client and the Company, including the website, Telegram bot, CRM portal, personal account, support chat, email, and telephone communications. Use of any of these channels constitutes acceptance of these Terms.

Suspension and Termination of Access

Averon Insurance reserves the right, at its sole discretion, to suspend or terminate the Client’s access to any of the Services in the event of a violation of these Terms, detection of fraudulent activity, provision of inaccurate information, or for other justified reasons. Suspension or termination of access does not release the Client from obligations that arose before such suspension or termination.

Client Representations and Obligations

Client Representations

By registering an account and/or using the Services, the Client represents and warrants to the Company that:

• the Client has reached eighteen years of age and has full legal capacity to enter into contractual relationships under the laws of the Client’s state of residence;
• all information provided by the Client to the Company, including personal information, contact information, income information, household composition, immigration status, and other information, is accurate, complete, and current;
• the Client has the authority to provide the Company with personal information of other persons (for example, dependents), if such information is submitted as part of family insurance coverage, and has obtained the necessary consents from the relevant persons or acts as their legal representative;
• the Client’s use of the Services does not violate applicable law, including the law of the Client’s state of residence.

Consequences of Providing Inaccurate Information

Knowingly providing false or inaccurate information in an insurance application may result in the following consequences:

• rescission of the insurance policy by the Insurer, including denial of insurance benefits for submitted claims;
• refusal by the Insurer to refund all or part of the insurance premium paid;
• civil liability for damages caused to the Company, the Insurer, or third parties;
• criminal liability under U.S. federal law, including 18 U.S.C. §1035 (false statements relating to health care matters) as applicable to health insurance products, as well as under applicable law of the Client’s state of residence.

Consent to Communications

By using the Services and providing the Company with contact information, the Client consents to receive messages and calls from Averon Insurance related to the selection and enrollment of insurance products by email, telephone calls, SMS messages, and messengers. This consent is provided in accordance with the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, and applicable state law.

The Client has the right to opt out of marketing communications at any time by using the “Unsubscribe” link in the relevant message, replying “STOP” to an SMS message, or submitting a corresponding request using the contact details listed in Section 10. Opting out of marketing communications does not affect service communications necessary to provide the services requested by the Client.

Obligation to Update Information

The Client agrees to promptly inform the Company of changes to material information submitted as part of an insurance application or after its completion, including changes to contact information, household composition, income, place of residence, immigration status, and other circumstances that may affect the terms of insurance coverage. Failure to update information in a timely manner may result in the consequences described in subsection 4.2.

Privacy and Processing of Personal Information

Processing of the Client’s personal information, including collection, storage, use, transfer, and deletion of data, is governed by a separate document — the Privacy Policy, available at averoninsurance.com/documents/privacy-policy/en/. The Privacy Policy is an integral part of these Terms and is incorporated into them by reference.

The Privacy Policy contains, among other things, information about the Company’s practices regarding the collection, use, disclosure, retention, and protection of personal information, including information about the Company’s obligations under the Gramm-Leach-Bliley Act (GLBA), Texas Data Privacy and Security Act (TDPSA), California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), Virginia Consumer Data Protection Act (VCDPA), and other applicable personal data protection laws, as well as the Client’s rights with respect to the Client’s personal information.

In the event of a conflict between these Terms and the Privacy Policy with respect to the processing of personal data, the Privacy Policy controls.

Intellectual Property and DMCA

All intellectual property rights in the Services, including software code, interface design, graphic elements, text content, databases, trademarks, and logos, belong to Averon Insurance or are used under licenses granted by the rights holders. Nothing in these Terms transfers any intellectual property rights to the Client, except for the limited license expressly provided in subsection 6.2.

Limited License to the Client

Averon Insurance grants the Client a limited, revocable, non-exclusive, non-transferable, and non-sublicensable license to access and use the Services solely for personal, non-commercial purposes related to receiving insurance brokerage services. Any other use of the Services, including copying, reproduction, distribution, creation of derivative works, or commercial use, is prohibited without the Company’s prior written consent.

Copyright Infringement Notice Procedure (DMCA)

Averon Insurance respects the intellectual property rights of third parties and complies with the Digital Millennium Copyright Act (17 U.S.C. §512). If you believe that materials posted in the Services infringe your copyright, you have the right to submit an infringement notice (DMCA takedown notice) to the Company’s designated agent.

The notice must contain the following information in accordance with 17 U.S.C. §512(c)(3):

• a physical or electronic signature of the person authorized to act on behalf of the copyright owner;
• identification of the copyrighted work claimed to have been infringed;
• identification of the allegedly infringing material and its location in the Services;
• the claimant’s contact information, including address, telephone number, and email address;
• a statement of the claimant’s good-faith belief that use of the material is not authorized by the copyright owner, its agent, or the law;
• a statement, made under penalty of perjury, that the information provided is accurate and that the claimant is authorized to act on behalf of the copyright owner.

Designated DMCA agent: [email protected], with “DMCA Notice” in the subject line. Mailing address: Sergei Nesterov, LLC, Attn: DMCA Agent, 3118 County Road 172, Apt 8206, Round Rock, Texas 78681.

Disclaimer of Warranties and Limitation of Liability

Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, AVERON INSURANCE DISCLAIMS ALL WARRANTIES, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE.

AVERON INSURANCE DOES NOT WARRANT THAT: (A) THE SERVICES WILL OPERATE UNINTERRUPTED, WITHOUT DELAYS OR ERRORS; (B) DEFECTS IN THE SERVICES WILL BE CORRECTED; (C) THE SERVICES WILL ALWAYS BE FREE FROM MALICIOUS CODE, VULNERABILITIES, UNAUTHORIZED INTERFERENCE, OR OTHER TECHNICAL RISKS; (D) INFORMATION AVAILABLE THROUGH THE SERVICES IS ACCURATE, COMPLETE, OR CURRENT; OR (E) THE SELECTION OF INSURANCE PRODUCTS WILL RESULT IN APPROVAL OF AN APPLICATION BY AN INSURER OR IN THE CLIENT RECEIVING ANY SPECIFIC INSURANCE TERMS.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE AGGREGATE LIABILITY OF AVERON INSURANCE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES TO THE CLIENT FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS, USE OF THE SERVICES, OR RECEIPT OF INSURANCE BROKERAGE SUPPORT IS LIMITED TO ONE HUNDRED U.S. DOLLARS (USD 100), UNLESS APPLICABLE LAW REQUIRES A HIGHER MANDATORY LIMIT OF LIABILITY OR PROHIBITS SUCH LIMITATION. THE CLIENT UNDERSTANDS THAT AVERON INSURANCE GENERALLY DOES NOT CHARGE THE CLIENT DIRECTLY FOR USE OF THE SERVICES OR INSURANCE BROKERAGE SUPPORT AND MAY RECEIVE COMPENSATION FROM INSURANCE COMPANIES, GENERAL AGENCIES, PLATFORM PARTNERS, OR OTHER PARTICIPANTS IN THE INSURANCE MARKET.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, AVERON INSURANCE IS NOT LIABLE TO THE CLIENT OR ANY THIRD PARTY FOR: (A) INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES; (B) LOST PROFITS, LOST REVENUE, OR LOSS OF EXPECTED ECONOMIC BENEFIT; (C) LOSS OF BUSINESS REPUTATION, GOODWILL, OR OTHER INTANGIBLE ASSETS; (D) LOSS, DAMAGE, OR UNAUTHORIZED MODIFICATION OF DATA, EXCEPT WHERE SUCH LIABILITY CANNOT BE LIMITED UNDER APPLICABLE LAW; (E) DAMAGES ARISING FROM INABILITY TO USE THE SERVICES, DELAYS, FAILURES, ERRORS, OR TEMPORARY UNAVAILABILITY OF THE SERVICES; (F) ACTS, OMISSIONS, SYSTEMS, RULES, DECISIONS, OR PRACTICES OF INSURERS, HEALTH SHERPA, THE CENTERS FOR MEDICARE & MEDICAID SERVICES, FEDERAL OR STATE MARKETPLACES, PLATFORM PARTNERS, OR OTHER THIRD PARTIES; OR (G) DECISIONS OF INSURERS, MARKETPLACES, OR AUTHORIZED ADMINISTRATORS REGARDING APPROVAL OR DENIAL OF APPLICATIONS, ELIGIBILITY FOR SUBSIDIES, PREMIUM AMOUNTS, SCOPE OF COVERAGE, POLICY TERMS, TERMINATION OR REINSTATEMENT OF COVERAGE, OR INSURANCE PAYMENTS, CLAIMS, APPEALS, OR BENEFITS.

Preservation of Liability for Intentional Acts

This Section 7 does not limit or exclude Averon’s liability for: (a) gross negligence; (b) intentional misconduct; (c) fraud; or (d) any other type of liability that may not be limited or excluded under applicable Texas state law or U.S. federal law. This reservation ensures that this Section complies with the public policy of the State of Texas.

Client Indemnification

The Client agrees to defend, release, indemnify, and hold harmless Averon Insurance, its officers, directors, employees, agents, successors, and affiliates (collectively, the “Indemnified Parties”) from and against any claims, lawsuits, demands, investigations, losses, damages, penalties, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• the Client’s breach of these Terms or other applicable agreements with the Company;
• the Client’s provision of inaccurate, incomplete, or misleading information to the Company, Insurers, or other platforms through which insurance products are enrolled;
• the Client’s violation of applicable law, including U.S. and state insurance, tax, immigration, and other laws of the Client’s state of residence;
• the Client’s violation of third-party rights, including intellectual property rights, privacy rights, or other legally protected rights;
• unauthorized use of the Client’s account, if such use became possible due to the Client’s failure to properly maintain the confidentiality of account credentials;
• the Client’s acts or omissions that cause harm to third parties through use of the Services.

Averon Insurance reserves the right to conduct the defense of any claim for which the Client has an indemnification obligation, upon reasonable notice to the Client. The Client agrees to cooperate with the Company in conducting such defense.

Dispute Resolution

Sixty-day notice. Before initiating any arbitration or court proceeding against Averon Insurance, the Client must send the Company written notice of the claim containing a description of the nature of the claim, a list of requested remedies, and the Client’s contact information. Such notice must be sent to the Company’s mailing address listed in Section 10 or by email to [email protected] with “Notice of Dispute” in the subject line.

The Client may not initiate arbitration or court proceedings until sixty (60) calendar days have passed from the Company’s receipt of such notice. This period provides an opportunity for pre-dispute resolution and is consistent with the requirements of Texas Business & Commerce Code §17.505 (Deceptive Trade Practices Act).

Mandatory Arbitration

ALL DISPUTES, CLAIMS, OR CONTROVERSIES ARISING OUT OF THESE TERMS, USE OF THE SERVICES, OR THE RELATIONSHIP BETWEEN THE CLIENT AND AVERON INSURANCE (THE “DISPUTES”), EXCEPT AS EXPRESSLY PROVIDED IN SUBSECTION 9.5, SHALL BE RESOLVED BY MANDATORY INDIVIDUAL ARBITRATION. THE CLIENT AND AVERON INSURANCE HEREBY WAIVE THE RIGHT TO HAVE DISPUTES HEARD IN A GOVERNMENT COURT BEFORE A JUDGE OR JURY.

Arbitration shall be conducted by the American Arbitration Association (AAA) in accordance with its then-current Consumer Arbitration Rules or by another comparable arbitration organization agreed upon by the parties. The place of arbitration shall be the State of Texas. The language of arbitration shall be English. The arbitral award shall be final and binding on the parties and may be enforced in any court of competent jurisdiction.

Waiver of Participation in Class Actions

THE CLIENT AND AVERON INSURANCE AGREE TO RESOLVE DISPUTES ONLY ON AN INDIVIDUAL BASIS. NEITHER PARTY MAY INITIATE OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, CONSOLIDATED PROCEEDING, OR OTHER REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OF MULTIPLE PERSONS OR OTHERWISE PRESIDE OVER ANY CLASS OR REPRESENTATIVE PROCEEDING.

Client’s Right to Opt Out of Arbitration

The Client has the right to opt out of the arbitration clause and class action waiver set forth in subsections 9.2 and 9.3 by sending the Company written notice of opt-out within thirty (30) calendar days from the date the Client first accepts these Terms. The notice must be sent by email to [email protected] with “Arbitration Opt-Out” in the subject line and must include the Client’s name, contact details, and a statement of intent to opt out of arbitration. The Client’s timely opt-out of arbitration does not release the Client from compliance with any other provisions of these Terms.

Exceptions to Mandatory Arbitration

The provisions of subsections 9.2 and 9.3 do not apply to:

• claims that may be heard in Texas small claims court, provided that such claims are brought on an individual basis;
• claims for injunctive relief or other equitable relief to protect intellectual property rights;
• complaints by the Client to the Texas Department of Insurance, the Texas Attorney General, or other regulatory authorities — such rights of the Client remain fully preserved.

Governing Law

These Terms and any Disputes arising out of or related to them are governed by the laws of the State of Texas, without regard to its conflict-of-law rules, and, with respect to the arbitration clause, by the Federal Arbitration Act (9 U.S.C. §1 et seq.).

Limitation Period

Any claim arising out of these Terms or related to use of the Services must be brought within two (2) years from the date the basis for the claim arose, in accordance with Texas Civil Practice and Remedies Code §16.070. After that period expires, the claim is deemed waived.

Final Provisions

Averon Insurance reserves the right to modify these Terms from time to time. The Client will be notified of material changes at least thirty (30) calendar days before the effective date of such changes by posting a notice on the website homepage, sending a message to the email address provided by the Client, or by other reasonable means. Continued use of the Services after the changes take effect constitutes the Client’s agreement to the updated version of the Terms.

Termination

The Client may discontinue use of the Services and close the Client’s account at any time by submitting a corresponding request using the contact details listed in subsection 10.7. Averon Insurance may terminate or suspend the Client’s access to the Services in the cases provided in subsection 3.5. Termination of these Terms does not affect active insurance policies entered into between the Client and Insurers, because such policies are governed by the contractual relationship between the Client and the relevant Insurer.

The provisions of Sections 4, 5, 6, 7, 8, 9, and 10 survive termination of these Terms to the extent necessary to give effect to their purpose.

Severability

If any provision of these Terms is held by a court or arbitrator to be invalid, unlawful, or unenforceable, the remaining provisions remain in full force and effect and shall be applied to the maximum extent possible. The invalid provision shall be replaced by a provision that most closely reflects the meaning of the original provision and the intent of the parties.

Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between the Client and Averon Insurance with respect to use of the Services and supersede all prior oral or written understandings, representations, and agreements on the same subject. Any oral representations, promises, or warranties made by employees or agents of Averon Insurance have no legal effect unless confirmed in writing by an authorized representative of the Company.

Assignment

The Client may not assign, transfer, or otherwise dispose of the Client’s rights and obligations under these Terms without the Company’s prior written consent. Averon Insurance may assign its rights and obligations under these Terms without the Client’s consent, including in connection with a reorganization, merger, acquisition, or sale of assets.

Force Majeure

Averon Insurance is not liable for failure to perform or improper performance of obligations under these Terms if such failure is caused by force majeure events, including natural disasters, military actions, terrorist acts, epidemics, acts of government authorities, failures of communications infrastructure, and other circumstances beyond the Company’s reasonable control.

Contact Information and Regulator Notice

Legal address and mailing address for notices: Sergei Nesterov, LLC, 3118 County Road 172, Apt 8206, Round Rock, Texas 78681, USA

Email: [email protected]

Telephone: +1 (512) 781-3199

Website: https://averoninsurance.com

Notice of the right to contact a regulatory authority. With respect to Averon’s insurance activities, the Client has the right to submit a complaint to the Texas Department of Insurance: 1-800-252-3439, https://www.tdi.texas.gov. For questions regarding the processing of personal data, the contacts listed in the Privacy Policy also apply.

Controlling Effect of the English Version

These Terms may be available in additional languages for informational purposes for Clients. In the event of any discrepancy between versions of these Terms in different languages, the English-language version controls, unless otherwise expressly stated by the Company in writing.

Headings and Interpretation

Section and subsection headings in these Terms are used solely for convenience and do not affect interpretation of their content. Use of terms in the singular includes the plural and vice versa, unless the context requires otherwise.

Last Updated: 06/01/2026