Terms of Service

Please read these Terms of Service ("Terms") carefully before using the HealthPlanFinder website and services. By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using HealthPlanFinder ("we," "us," or "our"), you agree to comply with and be bound by these Terms of Service. If you do not agree to these Terms, please do not use our services.

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes your acceptance of the new Terms.

2. Description of Services

HealthPlanFinder provides an online platform that allows users to:

• Compare health insurance plans from multiple providers
• Receive personalized health insurance quotes
• Enroll in health insurance coverage
• Access information about subsidies and financial assistance
• Receive support from licensed insurance agents

We act as an intermediary between you and insurance providers. We do not underwrite insurance policies or provide insurance coverage directly.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information
• Be a resident of the United States
• Comply with all applicable laws and regulations

4. User Accounts

Account Creation

To access certain features, you may need to create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

Account Termination

We reserve the right to suspend or terminate your account if you:

• Violate these Terms
• Provide false or misleading information
• Engage in fraudulent activity
• Abuse or misuse our services
• Fail to pay required fees

5. User Responsibilities

You agree to:

• Provide accurate and truthful information when requesting quotes or enrolling in coverage
• Review all plan details, terms, and conditions before enrolling
• Understand that final coverage decisions are made by insurance providers
• Pay all premiums and fees directly to your insurance provider
• Report any changes in your circumstances that may affect your coverage or subsidies
• Comply with all applicable laws and regulations
• Not use our services for any illegal or unauthorized purpose

6. Prohibited Activities

You may not:

• Use our services for any unlawful purpose
• Provide false, inaccurate, or misleading information
• Impersonate any person or entity
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our services
• Use automated systems (bots, scrapers) without permission
• Transmit viruses, malware, or harmful code
• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Harass, abuse, or harm other users

7. Fees and Payments

Our Services

Our quote comparison and enrollment services are free to users. We receive compensation from insurance providers when you enroll in their plans.

Insurance Premiums

You are responsible for paying all premiums and fees directly to your insurance provider. Premium amounts are determined by the insurance company and may change based on your circumstances.

8. Intellectual Property

All content on our website, including text, graphics, logos, images, software, and design, is owned by or licensed to HealthPlanFinder and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or branding without authorization
• Create derivative works based on our content
• Remove or alter copyright notices

9. Third-Party Services

Our website may contain links to third-party websites or services. We are not responsible for:

• The content or practices of third-party websites
• The accuracy of information provided by third parties
• Any transactions between you and third parties
• The privacy practices of third-party services

Your use of third-party services is at your own risk and subject to their terms and conditions.

10. Disclaimers

No Warranty

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

• Our services will be uninterrupted or error-free
• Defects will be corrected
• Our website is free of viruses or harmful components
• Information provided is accurate or complete

Not Insurance Advice

We provide information and tools to help you compare insurance options, but we do not provide insurance advice, legal advice, or tax advice. You should consult with qualified professionals for personalized advice.

Insurance Provider Responsibility

Insurance coverage is provided by third-party insurance companies. We are not responsible for:

• Coverage decisions made by insurance providers
• Claims processing or payment
• Policy terms and conditions
• Customer service provided by insurance companies

11. Limitation of Liability

To the maximum extent permitted by law, HealthPlanFinder and its affiliates, officers, directors, employees, and agents shall not be liable for:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Business interruption
• Damages arising from your use or inability to use our services
• Damages arising from third-party services or content

Our total liability shall not exceed the amount you paid to us in the 12 months preceding the claim, or $100, whichever is greater.

12. Indemnification

You agree to indemnify, defend, and hold harmless HealthPlanFinder and its affiliates from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any rights of another party
• Your provision of false or misleading information

13. Dispute Resolution

Informal Resolution

If you have a dispute with us, please contact us first to attempt to resolve it informally. We will work in good faith to resolve any issues.

Arbitration

Any disputes that cannot be resolved informally shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in New York, NY.

Class Action Waiver

You agree to resolve disputes on an individual basis and waive any right to participate in class action lawsuits or class-wide arbitration.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and HealthPlanFinder regarding your use of our services.

17. Contact Information

If you have questions about these Terms, please contact us: