Terms of Use

The following terms and conditions (the "Terms of Use") govern your use of the services offered through Health-rates.com (collectively, the "Site"). By accessing and using our Site, you agree to be bound by these Terms of Use.

DEFINITIONS
“We,” “Us,” and “Our” refer to Health-rates.com and its affiliates, partners, assigns, successors, agents and employees.

WHAT IS “USE OF OUR SITE”?
“Use of Our” site includes, but is not necessarily limited to, viewing any of our pages or content; furnishing your name, address, phone number, email address, other contact information and other information about you; requesting insurance quotes, news or other information from our Site, calling us, and requesting that we contact you.

OUR SERVICES
Through Health-rates.com, we afford you the opportunity to get quotes and information from insurance carriers and others providing health and related services. We try to match you with insurers and other service and product providers and furnish you links to further information or applications for coverage.

There is no charge to you to use our Site. Insurance or other companies may pay us to advertise on our Site.

LIMITS OF SERVICES
We do not provide advice, assistance or planning on tax, financial, insurance or legal matters. You should seek a qualified professional for such advice or services.

NO GUARANTY OF INSURANCE; NO CONTROL OVER INSURERS OR PROVIDERS
All links and information is provided on this site "AS IS" and solely for your general information. We do not guarantee, represent or warrant that any insurance carrier referenced on our Site or any link will consider or grant your application for insurance or provide you coverage in general or for any particular health condition or peril. We make no representations or opinions as to your eligibility for coverage or services from any insurer or service provider.

We do not control or attempt to control the conduct of any insurer or provider of goods or services profiled or displayed or linked on our Site. We do not control or exercise or participate in the formation, interpretation or enforcement of contracts, including insurance policies, between you or any user and any insurer or provider of services or products displayed or featured on this site. Your rights and obligations under any insurance policy for which you apply or which you obtain through our Site are determined by that policy.

We strive to publish current information on insurance offerings. However, we do not guarantee or promise that such information is current or accurate. Nothing in these Terms of Use or our Site shall be deemed to create a partnership or joint venture or principal-agency relationship between us and any insurer, provider of goods or services or any person providing a link or content to our site.

Please see the sections on “Disclaimers of Warranties” and “Limitation of Liability” for further information.

LINKS FROM AND ADVERTISEMENTS ON OUR SITE
We do not guarantee, warrant or otherwise assume responsibility for the accuracy of advertisements, statements or information provided by insurers, advertisers, other parties or websites. The presence or availability of a link or advertisement is not an endorsement by us of any content, product, advertisement, statement, provider, insurer or other materials provided on any linked site or by any person or entity. We do not represent the availability or any product or service.

You further acknowledge that we have no control over, and we assume no responsibility for, the content, privacy policies, or practices of any third party sites and third party content contained on the site, to which the site is linked, or on which site content is posted.

Please see the sections on “Disclaimers of Warranties” and “Limitation of Liability” for further information.

REQUIREMENTS TO ACCESS OUR SITE
You must be a resident of the United States and at least eighteen (18) years old to use our Site. We may, without prior notice and for any reason, terminate, alter or suspend the Site, limit features and restrict your access to the Site.

You may not access or use our site for any unlawful, immoral, unethical or harmful purpose. You agree to indemnify us and hold us harmless for any damage, loss or liability sustained by us as a result of your violation of these Terms of Use or your use of our Site.

USER DATA
If you use our Site or services, we may request information about you, including, but not limited to, your name, address, contact information, family or social history, health information about you and other personally identifiable information. We refer to this information and other material or data you may submit to us, whether specifically requested by us or otherwise, as “User Data.” The term “User Data” also includes any questions, comments, suggestions, or materials you may submit to us or through our Site.

You agree that you are solely responsible for the accuracy and content of User Data. We are not responsible for verifying the accuracy of any User Data you submit to us. We are not responsible for maintaining or preserving User Data. We may delete or destroy any User Data at anytime. We reserve the right to refuse to post or to remove any User Data, in whole or in part, that, in our sole discretion, is unlawful, inappropriate or in violation of these Terms of Use.

Our Privacy Policy states how we use and handle “User Data.” The provisions of Our Privacy Policy are considered part of these Terms of Use. Please read our Privacy Policy before you You agree that we may use, publish and otherwise disseminate such information for any purpose, without attribution or compensation.

LICENSE; INTELLECTUAL PROPERTY RIGHTS
Health-rates.com grants you a personal, non-transferable and non-exclusive right and license to use the Site on a computer or other Internet-enabled device. You may not copy, disseminate, alter the engineering of or otherwise exploit any material on our Site, including, but not limited to, code, data or links. You may not change the Site in any manner. You may not permit, cause, instruct or assist anyone in engaging in any conduct prohibited herein.

The Site and all software or applications used in connection with the Site contain proprietary and confidential information and constitute intellectual property as may be defined by applicable laws. The Site and all materials published on it constitute copyrighted materials. Our name and logos constitute trademarks, service marks, trade names and other intellectual property. We do not license or authorize the use of any of our intellectual property or the intellectual property of third parties with whom we deal in connection with our Site or the services provided on it. The use of the material and the names, logos, trade names and intellectual properties of our partners, affiliates or other third parties are subject to the rights of such holders.

Unless we or applicable law expressly allow it, you may not change, sell, transmit, deliver, broadcast, perform in public or create any work based upon this Site or any material on it. You may not use this Site for commercial purposes.

CONSENT TO CONTACT
By providing your contact information to us through the Site, you acknowledge that you are registering to receive and you consent to receive from us newsletters, emails, text messages, pre recorded phone messages, live phone calls, physical mail and other communications from us or through our affiliates, partners, vendors and insurance companies and other third parties with whom we deal. These communications may include promotions, offers, solicitations and general insurance or health information.

You may opt-out of these communications by submitting a request through our Contact Us page or by using the unsubscribe link in our emails.

DISCLAIMER OF WARRANTIES
IN ADDITION TO OTHER DISCLAIMERS IN THESE TERMS OF USE, WE DO NOT REPRESENT OR WARRANT THAT OUR SITE OR ANY CONTENT, LINKS, SERVICES OR PRODUCTS OFFERED WILL BE SUITABLE FOR YOU, YOUR NEEDS, YOUR PURPOSES, OR OTHERWISE IS SUITABLE FOR ANY PURPOSE; IS COMPLETE, CONTAINS ACCURATE, CURRENT OR OTHERWISE RELIABLE INFORMATION; OR DOES NOT CONTAIN SPELLING, GRAMMATICAL, SYNTAX OR TYPOGRAPHICAL ERRORS.

WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO ANY PRODUCT DISPLAYED OR REFERENCED ON OUR SITE OR AS TO OUR SITE. ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT ARE EXPRESSLY DISCLAIMED.

WE DO NOT MAKE ANY WARRANTY AS TO THE ABSENCE OF ANY VIRUS, MALWARE, SPYWARE, ERROR OR OTHER HARMFUL CODE OR MATTER ON OUR SITE OR ANY LINK, APPLICATION, FILE, IMAGE OR OTHER CONTENT. WE MAKE NO WARRANTY AS TO ABSENCE OF ANY VULNERABILITY TO HACKING OR OTHER SECURITY BREACHES.

LIMITATION OF LIABILITY
TO THE EXTENT PERMITTED BY APPLICABLE LAW, HEALTH-RATES.COM SHALL NOT BE LIABLE FOR DAMAGES THAT MAY BE CAUSED BY YOUR USE OF OUR SITE, ANY LINKED SITES OR PRODUCTS; YOUR INABILITY TO ACCESS OR USE OUR SITE, ANY LINKED SITES, SERVICES OR PRODUCTS; OR YOUR CLAIMED RELIANCE UPON GOODS, SERVICES OR CONTENT AVAILABLE ON OUR SITE OR ANY SITE TO WHICH WE MAY LINK. THESE INCLUDE, BUT ARE NOT LIMITED TO, LOST PROFITS, LOST REVENUES, OUT-OF-POCKET EXPENSES OR NON-ECONOMIC LOSSES. THIS IS REGARDLESS WHETHER SUCH DAMAGES ARE REASONABLY FORESEEABLE.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED TEN DOLLARS ($10.00).

UPDATES
We may change these Terms of Use at any time and without prior notice. Any changes will be to these Terms of Use are effective immediately.

DISPUTES
Any lawsuit arising from or based on your use of our Site may be brought and shall be heard only in the state courts of Florida or a a federal court in Florida. Notwithstanding any contrary law, you must commence any lawsuit arising from or based on your use of this Site within one (1) year after the claim for relief arose. Any such failure shall forever bar any lawsuit.

BINDING EFFECT
These Terms of Use shall be binding upon you and your heirs, assigns, executors, administrators, guardians, personal representatives, attorneys-in-fact and successors.

APPLICABLE LAWS
The Site and these Terms of Use are governed by Florida law.

EFFECT OF INVALIDITY; PARTIAL INVALIDITY
If a court of competent jurisdiction determines, holds or rules that any provision of these Terms of Use is invalid, illegal or unenforceable, such provision shall be deemed severable from the remaining provisions which are not determined, held or ruled to be invalid such that the remaining provisions shall be fully enforceable.