Last Updated: January 2026

Welcome to Novara Unlimited (“Novara Unlimited,” “we,” “us,” or “our”). By accessing or using our website, educational resources, consultation services, newsletter, or SMS programs, you agree to the following Terms & Conditions.

If you do not agree with these terms, please do not use our services.

1. Educational Purpose Disclaimer

All content provided by Novara Unlimited is for general educational and informational purposes only.
Our materials are designed to improve consumer literacy and understanding of insurance-related topics, planning considerations, and cost-awareness concepts.
Content published on this website does not constitute professional advice.

2. No Insurance Advice Disclaimer

Novara Unlimited is not an insurance company, insurance agency, broker, or licensed insurance producer.
Nothing on this website, in consultations, in SMS messages, or in newsletters should be construed as:

• Insurance advice
• Legal advice
• Financial advice

A recommendation to purchase any specific policy
Users should consult licensed professionals before making insurance decisions.

3. No Guarantee of Coverage or Pricing

Novara Unlimited does not:

• Guarantee coverage eligibility
• Guarantee pricing accuracy
• Guarantee approval by any insurance carrier
• Guarantee savings or outcomes

Insurance pricing and eligibility are determined solely by licensed carriers and providers.

4. Optional Advisory Services

Novara Unlimited may offer optional educational consultations.
These consultations:

• Are informational in nature
• Do not involve the sale of insurance products
• Do not create a broker-client or agent-client relationship

Participation in a consultation does not obligate you to purchase any product or service.

5. Marketplace & Third-Party Providers

If you voluntarily request information from third-party providers through Novara’s marketplace features, Novara may transmit your information to participating providers solely to respond to your inquiry.
Novara Unlimited:

• Does not sell insurance policies
• Does not control third-party pricing or underwriting decisions
• Is not responsible for third-party products or services

Your interactions with third parties are governed by their own terms and privacy policies.

6. SMS Mobile Messaging Terms

By providing your mobile number and opting in through our website, you agree to receive recurring informational SMS messages from Novara Unlimited.

Program Description

Messages may include:

• Educational insurance insights
• Consumer awareness topics
• Planning resources
• Updates about newly published research

Message frequency varies (approximately 2–6 messages per month).

Consent

Consent to receive SMS messages:

• Is not a condition of purchase
• May be revoked at any time

Fees

Message and data rates may apply.
Your wireless carrier may charge you according to your mobile plan.

Opt-Out

You may opt out at any time by replying:

STOP — to cancel
HELP — for assistance

After opting out, you will receive one confirmation message and no further messages will be sent unless you re-subscribe.

Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages.

7. Eligibility

You must be:

• At least 18 years of age
• A resident of the United States

By using this website or subscribing to our services, you represent that you meet these requirements.

8. Limitation of Liability

To the fullest extent permitted by law, Novara Unlimited shall not be liable for:

• Any direct, indirect, incidental, special, or consequential damages
• Decisions made based on educational materials
• Third-party provider actions
• Coverage determinations
• Pricing outcomes

All use of this website and services is at your own risk.

9. Disclaimer of Warranties

All materials and services are provided “as is” and “as available.”
Novara Unlimited makes no warranties, express or implied, regarding:

• Accuracy
• Completeness
• Reliability
• Availability

10. Governing Law

These Terms & Conditions are governed by and construed under the laws of the State of Texas, without regard to conflict of law principles.

11. Arbitration & Dispute Resolution

Any dispute arising out of or relating to these Terms shall be resolved through binding arbitration conducted in the State of Texas.
You agree to:

• Waive any right to a jury trial
• Waive participation in class-action litigation
  
  Arbitration shall be conducted under the rules of a recognized arbitration organization and judgment may be entered in any court of competent jurisdiction.

12. Modifications

We may update these Terms at any time. Continued use of the website after updates constitutes acceptance of the revised Terms.

13. Contact Information

Novara Unlimited
12300 Ford Road, Suite 405
Dallas, TX 75234
Email: support@novaraunlimited.com