Terms of Service

Agreement to Terms

In plain English: When you use our site, you agree to these rules. If you do not agree, please do not use it.

When you use the HealthPlan Connect website and services, you agree to these Terms of Service. You also agree to follow all laws that apply. If you do not agree with any of these terms, you may not use our services.

Description of Services

In plain English: We give you health plan information and connect you with licensed agents.

HealthPlan Connect gives you health insurance information and plan comparison tools. We also connect you with licensed insurance agents and brokers. Our services include:

• Health insurance plan comparison and recommendations
• Eligibility assessment for subsidies and special enrollment periods
• Connection to licensed insurance professionals
• Educational resources about health insurance options
• Assistance with enrollment processes

Not Insurance or Medical Advice

In plain English: We are not an insurance company. Our website gives general information, not advice for your case.

HealthPlan Connect is not an insurance company. We do not sell insurance products directly. The information on our website is for general use only. It is not insurance, medical, legal, or tax advice. For advice about your own situation, please talk with a qualified professional.

User Responsibilities

In plain English: Please give us true information and use our services in a fair, lawful way.

When you use our services, you agree to:

• Provide accurate, current, and complete information
• Update your information as necessary to keep it accurate
• Use our services only for lawful purposes
• Not impersonate any person or entity
• Not interfere with or disrupt our services or servers
• Not attempt to gain unauthorized access to any portion of our website
• Not use automated systems to access our services without permission

Accuracy of Information

In plain English: We try to keep our information correct, but it can change. Always check details before you decide.

We try hard to keep our information correct and current. Even so, we cannot promise that everything on our website is accurate, complete, or reliable. Health plans, rates, and what is offered can change. Always check the details with the insurance carrier or a licensed agent before you make a decision.

Third-Party Services and Links

In plain English: Our site links to other sites we do not control. Their own rules apply when you use them.

Our website may link to other websites, services, or content. We do not control these outside sites. We are not responsible for their content, privacy policies, or practices. When you use a third-party service, its own terms and policies apply to you.

Intellectual Property

In plain English: The content on our site is ours. Please do not copy or reuse it without our written OK.

All content on our website belongs to HealthPlan Connect or its content suppliers. This includes text, graphics, logos, images, and software. Copyright and other laws protect it. You may not copy, share, change, or build on this content without our written permission.

Limitation of Liability

In plain English: As far as the law allows, we are not responsible for certain losses or damages tied to your use of our services.

As far as the law allows, HealthPlan Connect is not liable for certain damages. This also covers our officers, directors, employees, and agents. These damages include indirect, incidental, special, consequential, or punitive ones. They also include lost profits, lost data, or other losses you cannot touch. This applies when the damages result from:

• Your use or inability to use our services
• Any unauthorized access to or alteration of your data
• Statements or conduct of any third party on our services
• Any errors or omissions in any content
• Any interruption or cessation of transmission to or from our services

Indemnification

In plain English: If your use of our services or breaking these rules causes a legal claim, you agree to cover our costs.

You agree to protect and defend HealthPlan Connect from certain legal claims. This also covers our affiliates, officers, directors, employees, and agents. It includes claims, damages, losses, and costs, plus reasonable attorneys' fees. This applies when these come from your use of our services or your breaking of these Terms.

Disclaimer of Warranties

In plain English: We offer our services "as is." We do not promise they will always work without problems.

We provide our services on an "as is" and "as available" basis. We make no warranties of any kind, either stated or implied. This means we give no implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not promise that our services will always be on, secure, or free of errors.

Governing Law

In plain English: Florida law governs these Terms. Any legal dispute will be handled in Palm Beach County, Florida.

The laws of the State of Florida govern these Terms. We read them under Florida law, and we do not apply its conflict of law rules. Any dispute that comes from these Terms or your use of our services will be settled in the state or federal courts in Palm Beach County, Florida.

Modifications to Terms

In plain English: We can change these Terms. If you keep using our services, it means you accept the new ones.

We may change these Terms at any time. We will tell users about big changes by posting the updated Terms on our website with a new "Last updated" date. If you keep using our services after a change, it means you accept the new Terms.

Termination

In plain English: We can cut off your access at any time, including if you break these rules.

We may end or pause your access to our services right away. We can do this without notice and without liability, for any reason. This includes times when you break these Terms. Once we end your access, your right to use our services stops at once.

Severability

In plain English: If one part of these Terms is found invalid, the rest still applies.

A court may find that one part of these Terms cannot be enforced or is not valid. If that happens, we will limit or remove only that part, as little as needed. The rest of these Terms will stay in full force and effect.

Contact Information

In plain English: Have a question about these Terms? Reach out to us using the details below.

Do you have questions about these Terms of Service? Please contact us at: