Agreement to Terms

By accessing or using HealthPlanLocator's website and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

Description of Services

HealthPlanLocator provides an online platform that:

• Connects consumers with licensed insurance agents and carriers
• Provides information about Medicare and ACA health insurance plans
• Facilitates quote requests for health insurance coverage
• Offers educational resources about health insurance options

Eligibility

You must be at least 18 years old to use our services. By using our services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

User Responsibilities

Accurate Information

You agree to:

• Provide accurate, current, and complete information when submitting quote requests
• Update your information promptly if it changes
• Not impersonate any person or entity
• Not provide false or misleading information

Prohibited Uses

You agree not to:

• Use our services for any illegal purpose
• 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
• Harass, abuse, or harm other users or our partners
• Violate any applicable laws or regulations

Consent to Contact

By submitting your information through our website, you expressly provide your prior express written consent to be contacted by:

• HealthPlanLocator and its affiliates
• Licensed insurance agents and brokers
• Insurance carriers and providers
• Marketing partners

You consent to receive communications via:

• Telephone calls (including autodialed and pre-recorded calls)
• Text messages (SMS)
• Email
• Mail

This consent applies even if your phone number is registered on any Do Not Call list. You understand that your consent is not required as a condition of purchasing any goods or services.

No Insurance Advice

HealthPlanLocator is a lead generation and referral service. We are not:

• An insurance company or carrier
• A licensed insurance agent or broker
• Providing insurance advice or recommendations
• Selling insurance policies directly

Any insurance advice or recommendations should come from licensed insurance professionals. We do not guarantee that you will qualify for any particular insurance plan or rate.

Third-Party Relationships

We work with third-party insurance agents, brokers, and carriers. We are not responsible for:

• The actions or omissions of third-party partners
• The accuracy of information provided by third parties
• The quality of insurance products or services offered
• Disputes between you and third-party partners
• The privacy practices of third-party websites

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of HealthPlanLocator or its licensors 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 copyright or proprietary notices

Disclaimers

No Warranty

Our services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of information
• Uninterrupted or error-free service

Not Government Affiliated

HealthPlanLocator is not affiliated with, endorsed by, or sponsored by any government agency, including Medicare, the Centers for Medicare & Medicaid Services (CMS), or the federal Health Insurance Marketplace.

Limitation of Liability

To the fullest extent permitted by law, HealthPlanLocator and its officers, directors, employees, and agents shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Damages resulting from third-party actions
• Damages arising from your use or inability to use our services

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

Indemnification

You agree to indemnify, defend, and hold harmless HealthPlanLocator 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

Dispute Resolution

Arbitration Agreement

Any dispute arising from these Terms or our services shall be resolved through binding arbitration rather than in court, except that you may assert claims in small claims court if they qualify.

By agreeing to these Terms, you waive your right to a jury trial and to participate in class action lawsuits.

Governing Law

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

Termination

We reserve the right to terminate or suspend your access to our services at any time, without notice, for any reason, including violation of these Terms.

Upon termination:

• Your right to use our services immediately ceases
• We may delete your information (subject to legal retention requirements)
• Provisions that should survive termination will remain in effect

Changes to Terms

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

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, and the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and HealthPlanLocator regarding our services and supersede all prior agreements and understandings.

Contact Information

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