Terms of use

Terms of Use

Last updated: August 2025

These Terms of Use (“Terms”) govern your access to and use of the Cushion website, applications, and services (the “Services”). By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

1. About Cushion

Cushion (“we,” “us,” or “our”) provides tools and services related to understanding, comparing, and managing healthcare and insurance-related costs, benefits, and decisions.

2. Eligibility

You must be at least 18 years old to use the Services. By using the Services, you represent that you meet this requirement.

3. Insurance Advice and Services

Certain Services may include insurance guidance, recommendations, or assistance, including comparisons of health insurance plans, explanations of benefits, and cost or coverage tradeoffs.

Insurance advice is provided by or under the supervision of licensed insurance professionals, where required by applicable law. The availability of insurance advice and insurance products may vary by state.

Insurance advice is:

• Based on the information you provide

• Based on information available from insurers at the time

• Limited in scope to insurance-related matters

Insurance products, pricing, coverage, eligibility, and benefits are determined solely by insurers and are subject to change. We do not guarantee coverage, acceptance, savings, reimbursement, or claims outcomes.

You are responsible for reviewing official plan documents and making final insurance decisions.

4. No Medical, Legal, or Tax Advice

The Services do not provide medical, legal, or tax advice. Nothing on the Services should be construed as a medical diagnosis, legal opinion, or tax guidance. You should consult qualified professionals for those matters.

5. Estimates and Projections

Any cost estimates, savings projections, or examples provided through the Services are illustrative only and not guarantees of actual outcomes. Actual costs and savings depend on insurer determinations, provider billing, eligibility, usage, and other factors outside our control.

6. Your Responsibilities

You agree to:

• Provide accurate and complete information

• Use the Services only for lawful purposes

• Not misuse, disrupt, or attempt to gain unauthorized access to the Services

• Not rely on the Services as a substitute for reviewing official insurer materials

We may suspend or terminate access if you violate these Terms.

7. Payments and Third-Party Services

Some Services may require payment. Payments are processed by third-party payment providers. We do not store full payment credentials.

The Services may integrate with or link to third-party services (e.g., insurers, payment processors, analytics providers). We are not responsible for third-party services or their actions.

8. Intellectual Property

All content, software, designs, text, graphics, trademarks, and logos used in the Services are owned by or licensed to Cushion and are protected by intellectual property laws.

You may not copy, modify, distribute, sell, or create derivative works without our prior written consent.

9. Privacy

Your use of the Services is subject to our Privacy Policy, which describes how we collect, use, and protect your information.

10. Disclaimers

The Services are provided “as is” and “as available.”
To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, reliability, merchantability, fitness for a particular purpose, and non-infringement.

11. Limitation of Liability

To the maximum extent permitted by law, Cushion will not be liable for:

• Indirect, incidental, special, or consequential damages

• Loss of data, profits, savings, or coverage

• Insurer decisions, claim denials, or benefit determinations

• Errors or interruptions in the Services

Our total liability for any claim will not exceed the amount you paid us (if any) in the 12 months preceding the claim.

12. Indemnification

You agree to indemnify and hold harmless Cushion and its affiliates from any claims, damages, liabilities, and expenses arising out of your use of the Services or violation of these Terms.

13. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason, including violation of these Terms.

14. Governing Law

These Terms are governed by the laws of the United States and the State of [Insert State], without regard to conflict-of-law principles.

15. Changes to These Terms

We may update these Terms from time to time. Continued use of the Services after changes means you accept the updated Terms.

16. Contact Information

If you have questions about these Terms, contact us at:

Email: support@cushion.co
Company: Cushion
Location: United States