Terms of Service

Agreement to Terms

By accessing or using the HealthPlan Connect website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services.

Description of Services

HealthPlan Connect provides health insurance information, plan comparison tools, and connects consumers 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

HealthPlan Connect is not an insurance company and does not provide insurance products directly. The information provided on our website is for general informational purposes only and should not be considered as insurance advice, medical advice, legal advice, or tax advice. We recommend consulting with qualified professionals for specific advice related to your situation.

User Responsibilities

When using 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

While we strive to provide accurate and up-to-date information, we make no warranties or representations about the accuracy, completeness, or reliability of any information on our website. Health insurance plans, rates, and availability are subject to change. Always verify information directly with insurance carriers or licensed agents before making decisions.

Third-Party Services and Links

Our website may contain links to third-party websites, services, or content. We do not control and are not responsible for the content, privacy policies, or practices of any third-party sites. Your interactions with third-party services are governed by their respective terms and policies.

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of HealthPlan Connect or its content suppliers and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

Limitation of Liability

To the fullest extent permitted by law, HealthPlan Connect and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting 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

You agree to indemnify, defend, and hold harmless HealthPlan Connect and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of our services or your violation of these Terms.

Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our services will be uninterrupted, secure, or error-free.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved in the state or federal courts located in Palm Beach County, Florida.

Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the updated Terms on our website with a new "Last updated" date. Your continued use of our services after any modifications constitutes acceptance of the revised Terms.

Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use our services will immediately cease.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

Contact Information

If you have any questions about these Terms of Service, please contact us at: