Terms & Conditions

Last updated: July 9, 2026

These Terms & Conditions govern your use of novagen.bookdwithai.com and the services provided by NovaGen LLC. By using this website or requesting our services, you agree to these terms.

Our services

NovaGen LLC is an independent insurance brokerage. We help consumers compare and enroll in health insurance and supplemental insurance products offered by licensed carriers. We are not an insurance carrier, and coverage decisions, premiums, and policy terms are determined by the issuing carrier.

SMS/Text messaging program terms

• By opting in on our quote request form, you consent to receive text messages from NovaGen LLC at the number you provided.
• Consent is not a condition of purchasing any product or service.
• Carriers are not liable for delayed or undelivered messages.
• See our Privacy Policy for how your information is handled. Mobile opt-in data is never shared with or sold to third parties for marketing purposes.

No guarantee of coverage

Quotes provided are estimates based on the information you supply. Final eligibility, rates, and coverage are determined by the insurance carrier upon application and underwriting.

Intellectual property

All content on this website is the property of NovaGen LLC and may not be reproduced without permission.

Limitation of liability

This website and its content are provided "as is." To the fullest extent permitted by law, NovaGen LLC is not liable for indirect or consequential damages arising from use of this website.

Changes to these terms

We may update these Terms & Conditions from time to time. The "Last updated" date above reflects the most recent revision.

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