Lirvion Terms & Conditions
Last updated: August 28, 2026
These Terms & Conditions ("Terms") govern access to and use of the Lirvion website, platform, and related services (collectively, the "Services") provided by Lirvion LLC ("Lirvion," "we," "us," or "our").
The Services are primarily designed to support the establishment, administration, enrollment, payment processing, and ongoing administration of Individual Coverage Health Reimbursement Arrangements (ICHRAs). CMS's employer-facing guidance now also refers to ICHRAs as CHOICE Arrangements; Lirvion continues to use ICHRA as its primary term throughout these Terms and the Services for consistency with the existing regulatory framework and established industry terminology.
These Terms apply to each person or entity that accesses or uses the Services, including an Employer, Employee/Member, Agent, Broker, Referral Partner, or other authorized user ("you" or "User").
Certain Users may also be subject to a separate written agreement with Lirvion applicable to their role (each, an "Applicable Agreement"). Applicable Agreements may include a Master Services Agreement, Employer Services Agreement, Broker Agreement, Referral Agreement, or other agreement between Lirvion and the applicable party.
If there is a conflict between these Terms and an Applicable Agreement, the Applicable Agreement will control with respect to the specific subject matter governed by that agreement. These Terms will otherwise continue to apply.
By accessing or using the Services, you acknowledge that you have read, understood, and agree to these Terms and our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree to these Terms, you may not access or use the Services.
Third-party ICHRA administration services are provided by Lirvion LLC. Insurance brokerage services, where applicable, are provided by Essential Care Insurance Agency or another appropriately licensed insurance producer or agency.
1. Definitions
For purposes of these Terms:
"Agent" means an individual authorized by Lirvion or its affiliates to assist an Employer with onboarding, or an Employee/Member with enrollment or other permitted activities. An Agent acts only within the scope of the authorization provided by Lirvion or its applicable affiliate and is not necessarily a party to a separate agreement with you.
"Allowance" means the amount an Employer makes available to an eligible Employee/Member under the Employer's ICHRA for reimbursement of eligible expenses, subject to the applicable ICHRA plan terms.
"Applicable Agreement" means any additional written agreement governing a User's relationship with Lirvion, including a Master Services Agreement, Employer Services Agreement, Broker Agreement, Referral Agreement, or other applicable agreement.
"Broker" means a person or entity appropriately licensed to transact insurance who assists Employees/Members with evaluating, selecting, or enrolling in individual health insurance coverage, subject to applicable law and any Broker Agreement.
"Content" means text, graphics, documents, data, images, software, information, materials, and other content made available through the Services.
"Employee" or "Member" means an individual who is eligible or potentially eligible to participate in an Employer's ICHRA and who accesses the Services in connection with that ICHRA.
"Employer" means an employer that engages Lirvion to provide ICHRA administration or related services.
"ICHRA" means an Individual Coverage Health Reimbursement Arrangement established by an Employer under applicable federal law and regulations.
"Lirvion Account" means a User account established to access applicable portions of the Services.
"Platform" means the Lirvion web-based application through which authorized Users access applicable Services.
"Referral Partner" means a person or entity that refers prospective Employers or other customers to Lirvion pursuant to a Referral Agreement and does not perform activities requiring an insurance license unless properly licensed and separately authorized to do so.
"Services" means the Platform, Website, and related ICHRA administration, enrollment support, payment administration, compliance support, and other services made available by Lirvion.
"Third-Party Services" means services, products, systems, websites, applications, carriers, marketplaces, payment providers, financial institutions, or other services operated by third parties and accessed through or in connection with the Services.
"Website" means Lirvion's public-facing website and related web pages.
You must be at least eighteen (18) years old to create an account or independently use the Services, unless otherwise permitted by Lirvion and applicable law.
If you access the Services on behalf of an Employer or other organization, you represent and warrant that:
you are authorized to act on behalf of that organization;
you have authority to provide information and instructions to Lirvion on its behalf;
the information and instructions you provide are accurate and complete; and
your use of the Services complies with the organization's applicable policies and agreements.
Employers are responsible for ensuring that all individuals they authorize to access an Employer account or administrative portal are appropriately authorized.
Lirvion may refuse, suspend, or restrict access to the Services where reasonably necessary to protect the Services, comply with law, prevent fraud or abuse, or verify a User's identity or authority.
3. Accounts and Account Security
Certain Services require a Lirvion Account.
You are responsible for:
providing accurate, complete, and current information;
maintaining the confidentiality of your login credentials;
using reasonable measures to protect your account;
promptly notifying Lirvion of suspected unauthorized access or use; and
all activity conducted through your account, except to the extent caused by Lirvion's failure to use reasonable security measures.
You may not share your account credentials with another person or permit another person to access your account unless expressly authorized by Lirvion.
Lirvion may require additional information to verify identity, authority, eligibility, payment information, or compliance with applicable legal and regulatory requirements. Lirvion may use third-party service providers to conduct such verification.
4. Roles and Responsibilities
The Services support multiple roles. Your rights and responsibilities depend on your role.
4.1 Employer
An Employer uses the Services to establish and administer its ICHRA.
An Employer may use the Services to:
establish and configure its ICHRA;
establish employee classes and eligibility criteria;
establish Allowance amounts;
provide Employee information;
monitor enrollment and participation;
fund Allowances;
access applicable reports and records; and
communicate with Lirvion regarding administration of the ICHRA.
4.2 Employee/Member
An Employee/Member may use the Services to:
review applicable ICHRA eligibility and Allowance information;
provide and maintain personal and household information;
enroll in individual health coverage;
provide information required to establish or maintain eligibility;
access payment functionality;
use an ICHRA benefit card or other payment method, where applicable; and
communicate with Lirvion, a Broker, or an Agent regarding enrollment and administration.
4.3 Agent
Agents may assist Employers and Employees/Members with onboarding, enrollment, and other administrative activities within the scope authorized by Lirvion.
Agents do not have authority to modify an Employer's plan design, make employment decisions, provide legal or tax advice, or perform insurance activities requiring a license unless appropriately licensed and authorized.
4.4 Broker
A Broker may assist Employees/Members with the evaluation, selection, and enrollment of individual health insurance coverage.
A Broker is solely responsible for maintaining all licenses and appointments required to conduct insurance activities and for complying with applicable insurance laws and regulations.
Nothing in these Terms authorizes a Broker to perform activities outside the scope of the Broker's applicable license or agreement.
4.5 Referral Partner
A Referral Partner may refer prospective customers to Lirvion in accordance with its Referral Agreement.
A Referral Partner may not represent itself as Lirvion, make unauthorized representations regarding Lirvion's Services, or perform insurance activities requiring a license unless properly licensed and authorized.
5. Description of the Services
Subject to the applicable plan, agreement, and service package, Lirvion may provide the following services.
5.1 ICHRA Administration
Lirvion may assist an Employer with:
establishing and maintaining ICHRA plan configurations;
configuring employee classes and Allowance amounts;
generating required ICHRA notices, and facilitating the Employer's access to independent plan document and Summary Plan Description (SPD) providers;
maintaining enrollment and participation information;
tracking plan-year activity; and
supporting administrative changes.
Lirvion provides administrative technology and services based on information and instructions supplied by the Employer. Lirvion does not assume responsibility for the Employer's underlying plan design or legal obligations unless expressly stated in an Applicable Agreement.
5.2 Employee Onboarding and Enrollment Support
Lirvion may:
invite eligible Employees/Members to the Platform;
facilitate enrollment workflows;
support consent, election, and opt-out processes;
facilitate connections with Brokers, Agents, carriers, marketplaces, or other third parties;
assist with Special Enrollment Period workflows; and
provide general information regarding ICHRA participation and individual coverage options.
Lirvion does not guarantee that an Employee/Member will qualify for, be accepted into, or obtain any particular insurance plan.
5.3 Payment Administration
Where included in the applicable Services, Lirvion may facilitate the funding and administration of ICHRA Allowances through third-party financial service providers.
This may include:
establishing or facilitating establishment of a benefit card or other payment mechanism;
facilitating Employer funding;
making Allowances available to eligible Employees/Members;
facilitating premium payments;
processing applicable transactions;
maintaining payment records; and
providing transaction reporting.
Lirvion may use third-party financial service providers, including Lynx FinHealth, Inc., in connection with these services.
5.4 Compliance and Recordkeeping Support
Lirvion may provide administrative support intended to assist Employers in implementing their ICHRA programs, including:
generating or facilitating required notices;
maintaining plan and enrollment records;
maintaining payment records;
supporting audit and reporting workflows; and
providing general information regarding applicable ICHRA requirements.
These services are administrative in nature and do not constitute legal, tax, accounting, ERISA fiduciary, or regulatory advice.
5.5 Ongoing Administration
Lirvion may support:
new-hire onboarding;
terminations;
qualifying life events;
changes in eligibility;
carrier and marketplace communications;
plan-year transitions;
renewals; and
other routine administrative changes.
The scope and availability of particular Services may vary by Employer, plan, Applicable Agreement, and service package.
6. Employer Responsibilities
The Employer remains responsible for its ICHRA and for decisions relating to its employee benefit plan.
Without limiting the foregoing, the Employer is responsible for:
establishing and maintaining an ICHRA that complies with applicable law;
determining employee eligibility and classification;
determining Allowance amounts and plan design;
providing accurate and timely Employee information;
providing Lirvion with accurate plan instructions;
reviewing plan documents and notices;
distributing required notices where applicable;
making required Employer contributions and payments;
maintaining any records required by law;
making employment and personnel decisions;
responding to Employee questions concerning employment status or eligibility; and
obtaining legal, tax, accounting, ERISA, or other professional advice where appropriate.
Lirvion may rely on information and instructions provided by the Employer unless otherwise expressly agreed in writing.
7. Employee/Member Responsibilities
Employees/Members are responsible for:
providing accurate and complete information;
keeping personal, household, dependent, and contact information current;
providing information necessary to establish eligibility for coverage or reimbursement;
selecting and maintaining qualifying individual health coverage where required;
paying premiums and other amounts when due;
promptly reporting changes that may affect eligibility or coverage; and
reviewing transactions and account information for accuracy.
Lirvion is not responsible for losses resulting from inaccurate or incomplete information supplied by an Employee/Member.
8. Insurance Brokerage and Coverage
Lirvion's ICHRA administration services are distinct from insurance brokerage services.
Where insurance brokerage services are provided, those services are provided by appropriately licensed insurance professionals, including Essential Care Insurance Agency where applicable.
Lirvion does not guarantee:
availability of any particular insurance carrier or plan;
premium rates;
eligibility for coverage;
acceptance by an insurance carrier;
underwriting decisions;
claims outcomes;
coverage of any particular medical service;
continuity of coverage; or
availability of a Special Enrollment Period.
Insurance coverage is issued and administered by the applicable insurance carrier. The carrier's policy, certificate, evidence of coverage, and other governing documents control the terms of insurance coverage.
9. No Professional Advice
Lirvion provides administrative technology and services. Lirvion is not a medical provider and does not provide medical advice, diagnosis, treatment, or telemedicine services.
Except as expressly stated in a separate written agreement, Lirvion does not provide:
legal advice;
tax advice;
accounting advice;
investment advice;
ERISA fiduciary advice;
employment law advice; or
individualized regulatory advice.
Information provided through the Services is for general administrative and informational purposes and should not be relied upon as a substitute for advice from a qualified professional.
Employers and Users are responsible for obtaining professional advice appropriate to their circumstances.
10. Third-Party Services
The Services may integrate with or depend upon Third-Party Services.
These may include insurance marketplaces, payment providers, financial institutions, electronic signature providers, cloud infrastructure providers, address verification providers, and other vendors.
Examples may include:
HealthSherpa;
Lynx FinHealth, Inc.;
Stripe;
DocuSign;
Amazon Web Services ("AWS"); and
Smarty.
The list of Third-Party Services may change over time.
Third-Party Services are controlled by their respective providers and may be subject to separate terms, conditions, privacy policies, and service limitations.
Lirvion is not responsible for the acts, omissions, policies, security practices, availability, performance, or decisions of a Third-Party Service provider, except to the extent otherwise required by applicable law or expressly agreed in writing.
11. Payments, Fees, and Funding
11.1 Employer Funding
Employers are responsible for timely funding of their ICHRA Allowances in accordance with their plan and Applicable Agreement.
Lirvion may use third-party financial service providers to receive, hold, allocate, and disburse funds associated with ICHRA Allowances.
Unless expressly stated otherwise, Lirvion does not hold Employer Allowance funds in its own operating accounts.
11.2 Platform Fees
Fees for Lirvion's administration services, including any per-employee-per-month fees, are established in the applicable Employer or Master Services Agreement.
11.3 Payment Authorization
By using payment functionality made available through the Services, you authorize applicable payment transactions in accordance with your instructions, the applicable plan terms, and the Applicable Agreement.
You authorize Lirvion and applicable payment providers to process transactions reasonably necessary to provide the Services.
11.4 Payment Providers
Payment processing may be provided by third parties, including Lynx FinHealth, Inc. and Stripe.
Your use of payment functionality may be subject to the applicable provider's terms and conditions.
11.5 Taxes
Users are responsible for taxes, assessments, or other governmental charges applicable to their transactions or use of the Services, except taxes imposed on Lirvion's net income.
12. Acceptable Use
You may not:
use the Services for an unlawful purpose;
violate these Terms or an Applicable Agreement;
access information or functionality that you are not authorized to access;
impersonate another person or misrepresent your identity, role, or authority;
interfere with the security, integrity, or operation of the Services;
introduce malware, viruses, or other harmful code;
attempt to gain unauthorized access to systems, accounts, or data;
scrape, harvest, copy, or systematically extract data from the Services without authorization;
reverse engineer, decompile, disassemble, or attempt to derive source code from the Services except where expressly permitted by applicable law;
use automated tools to access the Services except as expressly authorized;
circumvent security or access controls; or
use the Services to violate applicable insurance, privacy, employment, healthcare, or other laws.
Lirvion may suspend or terminate access where it reasonably believes a User has violated this Section.
13. Privacy and Data Protection
Lirvion's collection, use, disclosure, and protection of personal information are described in the Lirvion Privacy Policy.
Users agree to use information obtained through the Services only for authorized purposes and in accordance with applicable law.
Employers are responsible for ensuring that they have the appropriate rights, notices, consents, authorizations, and legal bases necessary to provide personal information to Lirvion for the Services.
Lirvion will implement reasonable administrative, technical, and organizational safeguards appropriate to the nature of the information it processes.
Where applicable, Lirvion and an Employer may enter into additional privacy or data-processing agreements.
Lirvion does not provide medical care and does not maintain medical records except to the extent information is incidentally or necessarily processed in connection with enrollment, eligibility, payment, or administration of the Services.
Where HIPAA applies to Lirvion's activities, Lirvion will comply with applicable HIPAA requirements to the extent required by law and applicable contractual arrangements.
14. Confidentiality
Each party receiving Confidential Information from another party agrees to use reasonable measures to protect that information and to use it only for purposes related to the Services or the applicable relationship.
"Confidential Information" includes non-public business, financial, technical, operational, personal, and other information that a reasonable person would understand to be confidential.
Confidential Information does not include information that:
is or becomes publicly available through no breach of these Terms;
was lawfully known by the receiving party before disclosure;
is independently developed without use of the disclosing party's Confidential Information; or
is lawfully received from a third party without a duty of confidentiality.
A party may disclose Confidential Information when required by law, regulation, court order, or governmental authority, provided that the party gives notice when legally permitted.
15. Intellectual Property
Lirvion and its licensors own all rights, title, and interest in and to the Services, Platform, Website, software, documentation, trademarks, designs, Content created by Lirvion, and related intellectual property.
Subject to these Terms and any Applicable Agreement, Lirvion grants you a limited, non-exclusive, non-transferable, revocable right to access and use the Services solely for their intended purposes.
You may not copy, modify, distribute, sell, lease, sublicense, create derivative works from, or commercially exploit the Services except as expressly authorized by Lirvion.
You retain ownership of information and materials that you submit to the Services, subject to the rights reasonably necessary for Lirvion and its service providers to provide, maintain, secure, improve, and support the Services.
16. Communications and Electronic Signatures
You consent to receive communications electronically, including notices, disclosures, statements, plan-related communications, account information, and other communications associated with the Services.
Electronic communications may be delivered through email, the Platform, text message, or other electronic means permitted by applicable law.
Where permitted by law, electronic signatures and electronic records may be used in connection with the Services and will have the same legal effect as paper signatures and records.
You are responsible for maintaining accurate contact information and ensuring that you can receive electronic communications.
17. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.
LIRVION DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
Lirvion does not warrant that:
the Services will be uninterrupted or error-free;
the Services will satisfy every User's requirements;
information provided through the Services will always be complete or accurate;
Third-Party Services will remain available;
any insurance coverage will be available or obtained;
an Employee/Member will qualify for coverage;
any reimbursement will receive a particular tax treatment; or
an Employer's ICHRA will comply with applicable law solely as a result of using the Services.
Nothing in these Terms excludes any warranty or right that cannot lawfully be excluded.
18. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, LIRVION AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS OPPORTUNITY, DATA, OR GOODWILL ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, LIRVION WILL NOT BE RESPONSIBLE FOR:
AN EMPLOYER'S FAILURE TO DESIGN OR ADMINISTER AN ICHRA IN COMPLIANCE WITH APPLICABLE LAW;
AN EMPLOYER'S FAILURE TO PROVIDE REQUIRED NOTICES;
EMPLOYEE ELIGIBILITY OR CLASSIFICATION DECISIONS MADE BY AN EMPLOYER;
inaccurate or incomplete information supplied by a User;
insurance carrier decisions;
underwriting decisions;
claims determinations;
coverage exclusions or limitations;
premium changes;
marketplace or carrier availability;
actions or omissions of Third-Party Services; or
tax, legal, employment, ERISA, or regulatory consequences arising from decisions made by an Employer or User.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, LIRVION'S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE FEES PAID TO LIRVION BY THE CLAIMANT DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
Nothing in these Terms limits liability that cannot legally be limited or excluded.
19. Indemnification
To the maximum extent permitted by law, an Employer agrees to defend, indemnify, and hold harmless Lirvion and its affiliates, officers, directors, employees, agents, and service providers from claims, liabilities, damages, losses, costs, and reasonable attorneys' fees arising out of or related to:
the Employer's ICHRA plan design or administration;
the Employer's violation of applicable law;
the Employer's failure to satisfy applicable notice, reporting, or disclosure requirements;
information or instructions supplied by the Employer that are inaccurate, incomplete, or misleading;
the Employer's employment or eligibility decisions; or
the Employer's breach of these Terms or an Applicable Agreement.
This Section does not require indemnification to the extent a claim results from Lirvion's own gross negligence, willful misconduct, or other conduct for which indemnification cannot lawfully be required.
20. Term and Termination
These Terms remain effective while you access or use the Services.
An Applicable Agreement may establish additional or different termination rights.
Lirvion may suspend or terminate access to the Services:
if you materially breach these Terms;
if you breach an Applicable Agreement;
where reasonably necessary to protect the security or integrity of the Services;
to prevent fraud or abuse;
where required by law or governmental authority; or
where continued provision of the Services is no longer commercially or operationally feasible.
Where practicable, Lirvion will provide notice before termination or suspension.
Upon termination, your right to access the Services will end, subject to any transition or record-retention obligations required by law or an Applicable Agreement.
Termination does not affect rights or obligations that accrued before termination.
21. Survival
Sections concerning payments, intellectual property, confidentiality, privacy, disclaimers, limitation of liability, indemnification, dispute resolution, and any other provisions that by their nature should survive termination will survive termination of these Terms.
22. Dispute Resolution
Before initiating formal proceedings concerning a dispute arising out of these Terms, the parties will attempt in good faith to resolve the dispute informally.
Any dispute-resolution procedures, including arbitration requirements, applicable to an Employer, Broker, Referral Partner, or other contracting party will be governed by the Applicable Agreement.
To the extent no Applicable Agreement governs the dispute, the following applies:
These Terms and any dispute arising out of or relating to these Terms or the Services are governed by the laws of the State of New York, without regard to its conflict-of-laws principles. Subject to the informal-resolution step above, any dispute not otherwise resolved will be subject to the exclusive jurisdiction of the state and federal courts located in New York County, New York, and each party consents to personal jurisdiction and venue in those courts.
Nothing in this Section prevents either party from seeking temporary, preliminary, or injunctive relief where appropriate to protect confidential information, intellectual property, security, or other rights.
23. Changes to These Terms
Lirvion may modify these Terms from time to time.
When we make material changes, we will provide notice through the Platform, by email, or through another reasonable method.
Unless a different effective date is required by law or an Applicable Agreement, material changes will become effective thirty (30) days after notice.
Your continued use of the Services after the effective date constitutes acceptance of the revised Terms.
If you do not agree to revised Terms, you must stop using the Services and, where applicable, terminate the applicable relationship in accordance with the Applicable Agreement.
24. Notices
Unless an Applicable Agreement provides otherwise, notices concerning these Terms may be sent to:
Lirvion LLC
Email: support@lirvion.com
Privacy-related requests may be directed to:
Email: compliance@lirvion.com
Lirvion may provide notices to Users through the email address associated with their account, through the Platform, or by other reasonable means.
25. General Provisions
Entire Agreement. These Terms, together with the Privacy Policy and any Applicable Agreement, constitute the agreement governing your use of the Services.
Order of Precedence. If there is a conflict, the Applicable Agreement controls over these Terms with respect to the specific subject matter covered by the Applicable Agreement.
Assignment. You may not assign or transfer your rights or obligations under these Terms without Lirvion's prior written consent. Lirvion may assign these Terms in connection with a merger, acquisition, corporate reorganization, or sale of substantially all of its assets.
Severability. If any provision is determined to be invalid or unenforceable, the remaining provisions will remain in effect.
Waiver. Failure to enforce a provision does not constitute a waiver of that provision.
Force Majeure. Lirvion will not be responsible for delays or failures caused by circumstances beyond its reasonable control, including natural disasters, telecommunications failures, cyber incidents, governmental actions, labor disputes, failures of Third-Party Services, or other events outside Lirvion's reasonable control.
No Agency. Except as expressly stated in an Applicable Agreement, these Terms do not create a partnership, joint venture, employment, agency, fiduciary, or other relationship between Lirvion and a User.
No Third-Party Beneficiaries. Except as expressly stated in these Terms or an Applicable Agreement, these Terms do not create rights for any third party.
26. Acceptance
These Terms govern access to and use of the Services and work together with any Applicable Agreement.
By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms.
If you access the Services on behalf of an Employer or other organization, you represent that you have authority to accept these Terms on that organization's behalf.