HealthInsurance.net Terms and Conditions of Use

Effective 1-1-2016

Updated 9/29/2017

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE.

Thank you for visiting HealthInsurance.net ("Website", “Site”, or "App"). The Site is owned and operated by HealthInsurance.net. (“HealthInsurance.net,” “we,” “us,” or “our”). The terms of use detailed below (the “Terms of Use”) govern your access to and use of the Site and the services that we make available to you through the Site (the “Services”). These Terms of Use are a legal contract between you and HealthInsurance.net. By accessing or using the Site or any of the Services, you hereby agree to these Terms of Use, and you warrant that you are at least 18 years of age. If you do not agree with these Terms of Use, in whole or in part, please do not continue to use the Site or the Services.

The Terms of Use are effective as of the last updated date specified above. In our sole discretion and without prior notice, we may change the Terms of Use at any time, modify the Site and/or the Services, and/or discontinue the Site and/or Services at any time. Please check this page periodically for changes as your continued use of the Site or Services after any such change will constitute your acceptance of any modified terms.

THE SERVICES

The Services are provided “as is”, and include free information, including insurance quotes and quote ranges, tools, links, and recommendations to help you with insurance and related financial decisions. Most information provided through the Services is provided for general informational and educational purposes. There is information provided at the point of sale for commercial purposes.

We are a licensed insurance broker. The Services also include formal quoting, brokering, and transacting of first party insurance products, as well as third party insurance products, brokers, and carriers (the “Third Party Providers”) in the form of an advertisement, insurance quote, online purchase, email, phone call, text message, or any other marketing medium. By submitting your information to HealthInsurance.net through the Site or the Services, you provide your affirmative consent that HealthInsurance.net and the Third Party Providers may collect, use, rent, share, or otherwise disclose any information submitted or collected through the Site or the Services; that HealthInsurance.net and the Third Party Providers may contact you via any contact method you provide, including email and telephone; and that HealthInsurance.net may disclose your contact information to the Third Party Providers, and that such Third Party Providers may contact you via commercial email, telephone, or any other communication method, irrespective of any prior registration on the National Do Not Call Registry. You hereby consent to receive autodialed and/or pre-recorded telemarketing calls from or on behalf of HealthInsurance.net and the Third Party Providers at the telephone number you provide. You understand that consent is not a condition of purchase or receipt of services.

Any quotes, or quote-ranges provided on the Site or over the phone are non-binding. The final insurance policy premium for any policy is determined following application by the underwriting insurance company. Insurance products and their availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required in your state. The Third Party Provider insurance products offered for sale through the Site are only available in the jurisdictions in which we are properly licensed.

At times, the Services may require you to agree to additional terms and conditions, or enter into separate agreements with us or applicable third-parties. Any Third Party Provider insurance products purchased by you through the Site are subject to the contract terms of the applicable insurance carrier. In the event of a conflict between these Terms of Use and the terms of any insurance policy terms, the terms of the insurance policy will control.

ACCOUNT

The site is largely a free and unrestricted resource, however, to access certain password-protected areas of the Site and the Services, you must register for an account. Your account is also important for purchasing, storing, and managing your insurance policies. To register for an account, you must provide us with your first name, last name, and email address. You warrant and represent that all registration information provided by you is truthful and accurate. With your permission, we will create an account for you as a part of the Services, in this event, you are the owner of the account as if you created it. You are required to update your registration information as necessary from time to time. All registration information and any other personal information that you provide to us through your use of the Services is subject to the terms of our Privacy Policy.

Accounts are protected by passwords and pins. You are solely responsible for the confidentiality of your password, as well as for any use of the Site or any of the Services made using your password. Your password should only be used by you, and you should not share your password with any third party. We reserve the right to delete or change any password at any time and for any reason upon notice to you. We reserve the right to issue a pin to log in to your account.

USER CONDUCT

You promise NOT to use the Site for any of the following purposes or activities: Conducting or supporting illegal activity of any type whatsoever; transmitting or storing worms or viruses or any code of a destructive nature; threatening, harassing, abusing, impersonating, injuring or intimidating others; interfering with others' use of this Site, unless such interference is for the purpose of complying with another section of these Terms of Use; delivering spam or collecting information to deliver spam, or sending unsolicited email advertisements; decompiling, disassembling, reverse engineering or otherwise attempting to discover any source code contained in this Site; disguising the origin of any content transmitted through this Site or manipulating your presence on the Site; and/or causing the launch of any automated system(s) that accesses this Site in a manner that sends more request messages to servers of the Site in a given period of time than a human can reasonably produce in the same period by using a conventional online web browser. Any violation of system or network security may subject you to civil and/or criminal liability.

MOBILE TERMS AND CONDITIONS

Assurance Customer Service Notification receive insurance quotes and alerts from Assurance Customer Service Notification through your mobile device. Text JOIN to 71953 to receive up to 4 text messages per month. Message and data rates may apply. By opting in to this service, you consent to receive mobile text alerts using an automatic telephone dialing system. Consent to receive marketing text messages is not required as a condition of purchasing any goods or services. By signing up, you are confirming you are over the age of 13.

STOP INFORMATION

Text STOP to 71953 to stop receiving Assurance Customer Service Notification messages from Assurance (you will receive a confirmation text).

HELP INFORMATION

For additional information, text HELP to 71953 or contact 844-680-6065.

Supported carriers are: AT&T, Sprint, T-Mobile®, Verizon Wireless, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, ACS Wireless, Appalachian Wireless, Bluegrass Cellular, Carolina West Wireless, Cellcom, C-Spire Wireless (formerly Cellsouth), Cellular One of East Central Illinois, Cincinnati Bell Wireless, Cross (dba Sprocket), Duet IP, Element Mobile, EpicTouch, GCI Communications, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri Cellular), Illinois Valley Cellular, Immix (Keystone Wireless / PC Management), Inland Cellular, iWireless, Mobi PCS (Coral Wireless LLC), Mosaic, MTPCS / Cellular One (Cellone Nation), Nex-Tech Wireless, nTelos, Panhandle Telecommunications, Peoples Wireless, Pioneer, Plateau, Revol Wireless, Rina - Custer, Rina - All West, Rina - Cambridge Telecom Coop, Rina - Eagle Valley Comm, Rina - Farmers Mutual Telephone Co, Rina - Nucla Nutria Telephone Co, Rina - Silver Star, Rina - South Central Comm, Rina - Syringa, Rina - UBET, Rina - Manti, South Canaan / CellularOne of NEPA, Thumb Cellular, Union Wireless, United, Viaero Wireless, West Central Wireless, Leaco, Nemont/Sagebrush. T-Mobile is not liable for delayed or undelivered messages. We take your privacy seriously. Please review our Privacy Policy

INTELLECTUAL PROPERTY

The Site contains material, such as text, graphics, images, photos and other material provided by or on behalf of us, and through your use of the Services you will be provided with additional information from us. These materials and information are collectively referred to herein as the “Content.” The Content is owned by us and/or our licensors and may be protected under both United States and foreign copyright laws and treaties. The Content includes, but is not limited to, the trademarks, service marks, and logos that are used and displayed on the Site, which are registered and unregistered trademarks or service marks of ours or our licensors. Moreover, the organization and design of the Site are the property of HealthInsurance.net and are protected worldwide by copyright laws and treaty provisions.

You shall not, without our written permission in each instance: use any trademarks, service marks or logos in any manner; copy or use the Content for any purpose; remove any copyright or other proprietary notices contained in the original Content on any copy you make of the Content; sell, transfer, assign, license, sublicense, or modify the Content, or use the Content for any public or commercial purpose; or use or post or publish the Content.

Nothing contained in these Terms of Use shall be construed as conferring any license or right to any trademark or other intellectual property right of HealthInsurance.net or any other party. HealthInsurance.net and the stylized “HealthInsurance.net Tile Logo” design are registered trademarks of HealthInsurance.net. All other trademarks, trade names, service marks and logos displayed throughout the Site are the property of HealthInsurance.net, licensed by HealthInsurance.net, or owned by third parties. You shall not display, use as a link, use as a meta tag, or otherwise use any of the trademarks, trade names, service marks and logos displayed throughout the Site without the prior written consent of the owner of the trademark, trade name, service mark and logo.

UNSOLICITED INFORMATION

We provide the Services for inquires and peer-to-peer interaction, and you are solely responsible for your use of the Services. By submitting any unsolicited information and materials, including comments, ideas, questions, and other similar communications, (“Unsolicited Information”) you agree to be bound by the following terms and conditions. All Unsolicited Information will be considered NON-CONFIDENTIAL and NON-PROPRIETARY and will become HealthInsurance.net’s property upon its submission. We are entitled to use such communication or material for any purpose whatsoever, commercial or otherwise, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and further posting, without any compensation to the provider of the Unsolicited Information. Further, we are free to use any ideas, concepts, know-how, or techniques contained in any communication or material you send to the Site for any purpose whatsoever, commercial or otherwise, including, but not limited to, developing, manufacturing, and marketing products. By submitting any Unsolicited Information, you are granting us a perpetual, royalty-free and irrevocable right and license to use, reproduce, modify, adapt, publish, translate, distribute, transmit, publicly display, publicly perform, sublicense, create derivative works from, transfer and sell such Unsolicited Information. Notwithstanding the foregoing, any personal information you submit to HealthInsurance.net through the pages located on the Site will be held in confidence by us as set forth in our Privacy Policy.

COLLECTION AND USE OF INFORMATION

HealthInsurance.net respects your privacy. Your use of the Services transmits information, and possibly personally identifiable information. Any collection or use of personally identifiable information collected from you via the Site is governed by our Privacy Policy, which is hereby incorporated by reference in its entirety. It is important that you read and understand the terms of our Privacy Policy. HealthInsurance.net may cooperate with and disclose information (including your account information) to any authority, government official or third party, without giving any notice to you, in connection with any investigation, proceeding or claim arising from an asserted illegal action or infringement whether related or unrelated to your use or misuse of the Site.

DISCLAIMER AND LIMITATION OF LIABILITY

YOU ACKNOWLEDGE AND AGREE THAT THE SITE, THE SERVICES, AND ALL CONTENT ARE PROVIDED "AS IS," "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE WILL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO OR USE OF THE SITE, THE SERVICES, OR ANY CONTENT. FURTHER, IN NO EVENT SHALL WE BE LIABLE FOR DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, DIRECT, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, OR LOST DATA, REGARDLESS OF THE FORESEEABILITY OF THOSE DAMAGES) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE, THE SERVICES, AND ANY CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. THIS LIMITATION SHALL APPLY REGARDLESS OF WHETHER THE DAMAGES ARISE OUT OF BREACH OF CONTRACT, TORT, OR ANY OTHER LEGAL THEORY OR FORM OF ACTION. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR NEGLIGENCE, CONSEQUENTIAL, INCIDENTAL OR OTHER DAMAGES, IN SUCH JURISDICTIONS OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THIS SITE, THE SERVICES, OR ANY CONTENT IS TO STOP USING THE SAME.

MANY INSURANCE PRODUCTS QUOTED OR SOLD THROUGH THE SITE ARE THIRD PARTY PROVIDER PRODUCTS AND ARE NOT OUR PRODUCTS. WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO SUCH PRODUCTS, AND WE ACCEPT NO LIABILITY IN CONNECTION WITH SUCH PRODUCTS. ALL SUCH PRODUCTS ARE PROVIDED TO YOU PURSUANT TO THE TERMS AND CONDITIONS OF THE THIRD PARTY PROVIDERS. YOU ACKNOWLEDGE THAT WE ARE NOT AFFILIATED WITH ANY THIRD PARTY PROVIDERS THAT YOU MAY LINK TO THROUGH THIS SITE. YOU EXPRESSLY AGREE TO INDEMNIFY US FROM ANY CLAIMS THAT YOU MAY HAVE AGAINST A THIRD PARTY PROVIDER THAT YOU LINKED TO OR ACCESSED THROUGH THE SITE.

EXTERNAL SITES

The Site may contain links to third-party websites, including, without limitation, the websites of the Third Party Providers offering the third-party insurance products made available to you through the Services (“External Sites”). We have no control over the External Sites, and we do not endorse and we are not responsible for the content of any linked External Sites. We are not responsible or liable for the actions, products or content of the External Sites, as they are provided for your convenience and are to be accessed entirely at your own risk. We do, however, seek to protect the integrity of our Site and welcome any feedback about external links, including information regarding a broken link. The Site may include interactive social media features (such as the Facebook “Like” button and Widgets, such as the “Share This” button) or other interactive mini-programs that run on our Site and connect to External Sites (collectively the “Features”). The Features may collect your IP address, which page you are visiting on our Site and may set a cookie to enable the Features to function properly. The Features are either hosted by a third party or hosted directly on our Site. Your interactions with the Features are governed by the privacy policy of the External Site(s) providing them. Before using any External Site(s), please refer to the terms of use and privacy policies of the External Site(s) for more information.

INDEMNIFICATION

You agree to defend, indemnify, and hold us and our officers, directors, employees, successors, licensees, and assigns harmless from and against any claims, actions, or demands, including, without limitation, reasonable legal and accounting fees, arising or resulting from: (i) your breach of these Terms of Use; or (ii) your access to, use, or misuse of the Site, any of the Services or any Content.

TERMINATION

We may terminate these Terms of Use and your access to all or any part of the Site or the Services at any time and for any reason without prior notice or liability. We reserve the right to change, suspend, or discontinue all or any part of the Site or the Services at any time without prior notice or liability. To ensure that HealthInsurance.net provides a high quality experience for you and for other users of the Site and the Services, you agree that HealthInsurance.net or its representatives may access your account and records on a case-by-case basis to investigate complaints or allegations of abuse, infringement of third party rights, or other unauthorized uses of the Site or the Services. HealthInsurance.net does not intend to disclose the existence or occurrence of such an investigation unless required by law, but HealthInsurance.net reserves the right to terminate your account or your access to the Site or the Services immediately, with or without notice to you, and without liability to you, if HealthInsurance.net believes that you have violated any of the Terms of Use, furnished HealthInsurance.net with false or misleading information, or interfered with use of the Site or the Services by others.

MISCELLANEOUS

In the event that any portion of these Terms of Use is held to be invalid or unenforceable, then such portion shall be construed in accordance with the applicable law as nearly as possible to reflect the original intentions of the parties, and the remainder of these Terms of Use shall remain in full force and effect. This section, the section entitled Indemnification, and the sections entitled Disclaimer, Limitation of Liability and Intellectual Property shall survive the termination of these Terms of Use. You may not assign these Terms of Use. No waiver shall be effective unless in writing. Neither the course of conduct between parties nor trade practice shall act to modify any provision of these Terms of Use. These Terms of Use contain the entire agreement of the parties concerning the subject matter hereof and supersede all existing agreements and all other oral, written or other communication between the parties concerning its subject matter.

ARBITRATION AND GOVERNING LAW

We control and operate the Site from our offices within the State of Washington, United States of America, and these Terms of Use shall be governed by and construed in accordance with the laws of the State of Washington, without reference to their rules regarding conflicts of law. You are solely responsible for compliance with all applicable laws and regulations that may govern your access and use of the Site. Except for proceedings commenced by us to protect our intellectual property or confidential information which may be brought in any court of competent jurisdiction, the parties mutually agree that any and all disputes arising hereunder shall be resolved exclusively by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The place of arbitration shall be King County, Washington. The United States Federal Arbitration Act shall govern the interpretation, enforcement, and proceedings pursuant to this arbitration clause. In no event shall the arbitrator(s) have any authority to award punitive or other damages not measured by the prevailing party’s actual damages, except as may be required by statute. Irrespective of the outcome of arbitration, each party shall bear its own costs and expenses, including its own attorneys’ fees, and an equal share of the arbitrator(s)’ fees and administrative fees of arbitration. The arbitrator(s) shall not determine or award any alterative allocation of costs and expenses, including attorneys’ fees.

If you have any questions, or would like additional information about the Terms of Use, please contact us at contact-us@healthinsurance.net, 113 Cherry Street #88030, Seattle, WA 98104-2205.
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