Terms of Service
Last updated: January 1, 2026
Nyckolette Insurance Solutions ("we," "us," or "our") is a registered DBA (Doing Business As) of Nyckolette D Thompson, a sole proprietorship and licensed insurance agency. These Terms of Service ("Terms") govern your access to and use of our website, communications, and services (collectively, the "Services"). By using the Services, contacting us, or submitting your information, you agree to these Terms.
Contents
- Acceptance of Terms
- Our Services
- Not a Government Entity
- Communications & TCPA Consent
- SMS / Text Messaging Terms
- No Guarantee of Coverage
- Intellectual Property
- Disclaimers & Limitation of Liability
- Governing Law
- Changes to These Terms
- Contact Us
1. Acceptance of Terms
By accessing or using the Services, you confirm that you are at least 18 years old and that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Services.
2. Our Services
We are a licensed independent insurance agency that helps consumers compare and enroll in health insurance and related products from the carriers available in a given area. Any information we provide is limited to the plans we offer in your area; we do not offer every plan available. Our assistance does not constitute legal, tax, or medical advice. This is a solicitation for insurance, and a licensed insurance agent may contact you.
3. Not a Government Entity
Nyckolette Insurance Solutions is not connected with or endorsed by the U.S. Government, the federal Medicare program, the Health Insurance Marketplace, or any State agency. To review all of your options, you may contact HealthCare.gov, your State Marketplace, Medicare.gov, or 1-800-MEDICARE (1-800-633-4227).
4. Communications & TCPA Consent
By submitting your contact information through our website or booking form, you provide your prior express consent for Nyckolette Insurance Solutions (a DBA of Nyckolette D Thompson) and its authorized representatives to contact you at the phone number and email address you provide, including through automated technology such as auto-dialers, pre-recorded or artificial voice messages, and text messages, regarding your inquiry and insurance plan options. You understand that your consent is not a condition of purchasing any goods or services, and you may revoke consent at any time. You acknowledge that you are the subscriber or customary user of the phone number provided. Message and data rates may apply.
5. SMS / Text Messaging Terms
If you opt in to text messages, you may receive recurring messages related to your inquiry, appointments, plan options, quotes, enrollment periods, and reminders. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help.
No sharing of mobile information: Mobile information and consent records (including phone numbers and SMS opt-in data) will not be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors and service providers in support of our Services (such as CRM, calendar, messaging, or compliance providers) is permitted only for the purpose of delivering those Services to you.
6. No Guarantee of Coverage
Submitting information or requesting a consultation does not guarantee eligibility for, approval of, or enrollment in any insurance plan. Coverage is subject to carrier underwriting, eligibility rules, plan availability, and applicable federal and state regulations. Premiums, benefits, and plan availability may change.
7. Intellectual Property
All content on this website, including text, graphics, logos, and design, is the property of Nyckolette D Thompson (doing business as Nyckolette Insurance Solutions) or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without prior written permission.
8. Disclaimers & Limitation of Liability
The Services are provided "as is" and "as available" without warranties of any kind, whether express or implied. To the fullest extent permitted by law, Nyckolette D Thompson (doing business as Nyckolette Insurance Solutions) is not liable for any indirect, incidental, consequential, or punitive damages arising out of or related to your use of the Services or reliance on any information provided.
9. Governing Law
These Terms are governed by the laws of the State of Idaho, without regard to its conflict-of-laws principles. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Idaho.
10. Changes to These Terms
We may update these Terms from time to time. Changes are effective when posted, and the "Last updated" date above reflects the most recent revision. Your continued use of the Services after changes are posted constitutes acceptance of the updated Terms.
11. Contact Us
Nyckolette Insurance Solutions (a DBA of Nyckolette D Thompson)
6943 W Grunder Dr 43, Boise, ID 83709
Phone: (208) 758-7731
Email: [email protected]