Terms of Service
These terms govern your use of the Bridge app and quote service ("Bridge"), operated by Blue Mesa Group. By creating an account you agree to them.
1. Who may use Bridge
Bridge is for licensed insurance producers and their staff who are authorized to obtain health insurance quotes for California employer groups. You must be 18 or older. You are responsible for keeping your login private and for everything done under your account.
2. What Bridge does and does not do
- Bridge reads a carrier renewal letter you upload, selects comparable plans from other carriers' published small-group rate tables, rates each enrolled employee, and renders a proposal.
- Bridge is a quoting aid. It is not a carrier, a general agency, or an enrollment system, and it does not bind coverage, track enrollment, or record client decisions.
- Rates come from carrier rate tables on file at the time of the quote and may lag the carrier's current filing. Plan benefit summaries are taken from plan names and carrier documents and may be incomplete; cells marked "See SBC" are not stated by the data. Provider network information comes from carrier network guides and must be verified in the carrier's directory.
3. Your responsibilities
- Verify every figure against the carrier's own quote, rate sheet, and Summary of Benefits and Coverage before presenting a proposal to a client. Final rates are set by the carrier at enrollment.
- Upload only renewal letters and census data you are authorized to use for the group in question, and use the output only to serve that group.
- Comply with California insurance law, carrier rules, and your obligations to clients and employees whose information appears in the letters.
4. Your content
You keep ownership of the letters you upload and the proposals Bridge produces for you. You give Blue Mesa Group permission to process that content solely to provide Bridge, as described in the Privacy Policy. You can delete any quote or your whole account at any time in the app.
5. Email sending
When you send a proposal from a device with a Mail account, the message is sent by your own email account and is subject to that provider's terms. When Bridge sends on your behalf, you are the sender of record and responsible for the recipient and the content.
6. Availability and changes
Bridge may be unavailable at times and may change or end features. We may update these terms; continued use after an update means you accept the new terms. Material changes will be noted in the app.
7. Disclaimer and limitation of liability
Bridge is provided "as is". To the fullest extent permitted by law, Blue Mesa Group disclaims all warranties, express or implied, including accuracy, merchantability, and fitness for a particular purpose, and is not liable for indirect, incidental, or consequential damages, lost commissions, or losses arising from reliance on a quote. Our total liability for any claim relating to Bridge is limited to the amount you paid for Bridge in the twelve months before the claim, which may be zero.
8. Termination
You may stop using Bridge and delete your account at any time. We may suspend or end access for misuse of the service or of information in it.
9. Governing law
These terms are governed by the laws of the State of California. Disputes will be resolved in the state or federal courts located in Orange County, California.