Terms and Disclaimer
Terms and Conditions
Acceptance of Terms
IMPORTANT! PLEASE READ CAREFULLY. THIS IS A CONTRACT. BY USING THIS WEB SITE AND THE SERVICES OFFERED ON THIS WEBSITE, YOU ACCEPT ALL TERMS AND CONDITIONS OF THIS AGREEMENT. YOUR ACCESS AND USE OF THE WEB SITE CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW. If you disagree with any of the terms that follow, or do not agree to be bound by all such terms, do not use this website or any of its related services.
About This Site
This Website (hereinafter “the Site” or “this Site”) is part of the health-plan-enrollment.com network. health-plan-enrollment.com is an online service provider, specializing in providing insurance quotes and connecting insurance shoppers with professionals who can assist them.
health-plan-enrollment.com does not endorse any particular insurance plan, provider, or agent. Any information provided about any particular insurance plan, provider, or agent shall not be construed as an endorsement by health-plan-enrollment.com.
Personal and Noncommercial Use Limitation
In order to use the Services, you must be at least 18 years of age. In consideration of your use of the Services, you agree to provide true, accurate and current information about yourself as prompted by the required registration forms. This Site is for your personal, noncommercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or service found on or obtained from the Site; provided that you may download, reproduce, and retransmit health-plan-enrollment.com Information solely for non-commercial purposes within your organization. With the exception of the foregoing limited authorization, no license or right in any copyright of health-plan-enrollment.com or any other party is granted or conferred to you.
The Site is provided on an “as is” basis without warranties of any kind, either express or implied, including but not limited to warranties of title or implied warranties of merchantability, fitness for a particular purpose, or non-infringement, other than those warranties which are imposed by and incapable of exclusion, restriction or modification under the laws applicable to this agreement. YOUR USE OF THIS SITE IS AT YOUR OWN RISK. IN NO EVENT SHALL health-plan-enrollment.com, ITS AGENTS, REPRESENTATIVES OR LICENSORS be liable for any LOSS OR INJURY OR ANY damages, either direct, indirect, punitive, special, incidental, consequential or otherwise, resulting from, or in any way connected to, the use of this Site OR ANY health-plan-enrollment.com INFORMATION, in each case regardless of whether such damages are based on contract, tort, strict liability, or those other theories of liability. Some jurisdictions do not allow the exclusion of implied warranties or consequential or incidental damages, so portions of the above-referenced exclusions may not directly apply to you. YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST health-plan-enrollment.com, ITS AGENTS, REPRESENTATIVES AND LICENSORS ARISING OUT OF YOUR USE OF THE SITE OR ANY OTHER health-plan-enrollment.com INFORMATION.
Copyright and Proprietary Rights Information
The Site may contain technical inaccuracies or typographical errors or omissions. health-plan-enrollment.com reserves the right to make changes, corrections and/or improvements to the Site, and to the products and programs described in such information, at any time without notice.
This Site contains and references trademarks, patents, trade secrets, technologies, products, processes or other proprietary rights of health-plan-enrollment.com. No license or right to or in any such trademarks, patents, trade secrets, technologies, products, processes and other proprietary rights of health-plan-enrollment.com and/or other parties is granted to or conferred upon you.
The purpose of the Site is to provide consumers with ability to receive comparative insurance quotations from a network of insurance agents, brokers and other licensed insurance providers (hereinafter “Providers”), based on the information you have provided. These Providers may have one or numerous companies with from which they will provide you with quotes. Once you have provided us with the information needed, by sufficiently completing an appropriate online form, we will refer that information to these Providers, who may then contact you directly if they are able to provide you with a quotation for insurance coverage. From time to time these Providers may ask for additional information they may need to obtain an accurate quote. In the event that we do not have sufficient participation on our network in your area, you may receive less than five offers.
We do not guarantee that any of the Providers to whom we may forward your information will contact you or agree to provide you coverage. We are not responsible in any way, for the conduct of the Providers to whom we forward your insurance quotation requests. If you need personal advice, explanation of coverage, assessment of needs or specific policy recommendations, consult with a licensed insurance agent, broker, or other qualified professional.
We reserve all the rights to our Site contents, and may at our discretion change the contents of the Site, or restrict access to certain sections of the Site, or to discontinue any aspect of the Site, including, but not limited to content, features, hours of availability, without notice or penalty.
Your Use of The Service
You must be at least 18 years of age to use the Service. You warrant and agree that, while using the Service, you will not do any of the following:
impersonate any other person or entity
submit any information pertaining to a third party without that party’s understanding and express consent
submit false or misleading information
exploit this Service for any commercial reason
engage in any activity prohibited under the CAN-SPAM Act
engage in any criminal or otherwise unlawful behavior
commit any action which could give rise to civil liability
restrict others from making use of this Service
upload or attempt to upload any computer virus, malicious computer code, file program, or any other digital property
commit any action that interferes with, blocks, or otherwise harms the Service
Links to the Web Site
You may not establish a hypertext “link” to the Web Site and/or distribute, modify or re-use the text or graphics of the Site unless you obtain prior express written permission from health-plan-enrollment.com allowing you to do so.
Links to Third Party Sites
This Site may contain links to sites that are controlled by third parties. These linked sites are not under the control of health-plan-enrollment.com, and health-plan-enrollment.com is not responsible for the contents of any linked site or any link contained in a linked site. health-plan-enrollment.com is providing those links to you only as a convenience, and the inclusion of any link does not imply endorsement by health-plan-enrollment.com of any linked site or constitute any warranty by health-plan-enrollment.com of any linked site or any items contained on such site.
Any disputes arising out of or related to the Site shall be governed by and construed and enforced in accordance with, the laws of the State of Illinois applicable to contracts entered into and to be performed entirely within the State of Illinois.
No Unlawful or Prohibited Use. As a condition of your use of the Site, you warrant to health-plan-enrollment.com that you will not use the Site for a purpose that is unlawful or prohibited by these terms, conditions, and notices.
The Service is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we make no representations of warranties of any kind, express or implied, regarding the use of the Service. We disclaim all warranties regarding the accuracy or reliability of the information provided, including the implied warranties of merchantability and fitness for a particular purpose, and non-infringement. WE DO NOT WARRANT THAT THE SERVICE WILL BE SECURE, UNINTERRUPTED, OR ERROR-FREE, WE MAKE WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS. NO ADVICE, RESULTS, OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.
WE MAKE NO WARRANTIES REGARDING THE AFFILIATION OF ANY PROVIDER WHO MAY CONTACT YOU. WE EXPRESSLY DISCLAIM ALL RESPONSIBILITY FOR THE ACTIONS OF ANY PROVIDER WHO MAY CONTACT YOU THROUGH THE SERVICE. IF YOU ARE DISSATISFIED WITH THE SERVICE, YOUR SOLE REMEDY IS TO DISCONTINUE ITS USE.
WE ATTEMPT TO PROVIDE ACCURATE INFORMATION REGARDING INSURANCE PRODUCTS AND SERVICES; HOWEVER, WE CAN MAKE NO REPRESENTATION OR WARRANTY AS TO THE ACCURACY OR RELIABILITY OF THIS INFORMATION. AVAILABILITY OF PRODUCTS OR SERVICES MAY VARY BY STATE AND MAY NOT BE AVAILABLE TO YOU.
WE MAKE NO REPRESENTATION, EITHER EXPRESS OR IMPLIED, OF ANY SPONSORSHIP BY ANY COMPANY MENTIONED ON THIS SITE, OR OF ANY OTHER RELATIONSHIP WITH ANY SUCH COMPANY. WE MAKE NO GUARANTEE, EXPRESSED OR IMPLIED, THAT A USER WILL BE ABLE TO OBTAIN A QUOTE FROM ANY PARTICULAR COMPANY OR PROVIDER MENTIONED ON THIS SITE.
Limitation of Liability
WE SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, AND IN PARTICULAR, WE SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR ANY DAMAGES FOR LOST PROFITS, LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR RELATED TO THE SERVICE OR THE INFORMATION CONTAINED IN IT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
You agree to indemnify and hold harmless the Service (and its parents, directors, officers, employees, subsidiaries, agents, and affiliates) from any and all claims, liabilities, costs, and expenses, including reasonable attorneys’ fees and costs, due to or arising in any way from the use or misuse by you of the Service, your violation of these Terms and Conditions, your violation of any law, or infringement by you of any right of any person or entity.
We retain all rights, title, and interest in and to the Service, including all content, data, materials, specific implementations of XHTML, CSS, and other code, the look and feel, the design, and all other aspects of the trade dress of this Site, and retain all intellectual and property rights therein.
Third party logotypes, brandmarks, and service marks are the property of their respective owners.
Use of the Service by you does not grant to you ownership and any commercial use or exploitation of the Service by you is expressly prohibited. You may not exploit, copy, redistribute, or reproduce any aspect of the Service. Doing so may be a violation of applicable Federal and state laws and may subject you to liability.
If any provision of these Terms and Conditions is found to be invalid or unenforceable, the other provisions shall remain in full force and effect. Further, you agree that for any provision that may be found to be invalid and unenforceable, you shall ask the court to endeavor to give effect to the intent of the provision. These Terms and Conditions constitute the full understanding between you and us. You agree that any claim arising from or related to the Service must be filed within twelve (12) months of your use of the Service, regardless of any statute or law to the contrary.
Website owners can download the GoHealth FreeQuoter and place the code on their site at no charge and direct online users to use the quoting and e-application technology available on health-plan-enrollment.com, powered by Norvax, to generate instant quotes and apply online for coverage. Any completed and in-force applications through the non-licensed GoHealth FreeQuoter widget are written through the GoHealth agent identification number where commissions are credited by the carrier through this number. The code for the FreeQuoter cannot be altered in any way, and the tool will lose all functionality if modified. GoHealth and Norvax the technology provider reserve the right to change or modify the terms and conditions for the GoHealth FreeQuoter and revoke use for negligent or improper use of the tool without notification. All rights reserved.
Changes and Updates
We reserve the right to make changes and updates to these Terms and Conditions at any time, at our sole discretion. An updated copy of these Terms and Conditions will be kept clearly posted and accessible on this Site at all times.
health-plan-enrollment.com is a leading online source of information for people seeking to learn more about their insurance options. health-plan-enrollment.com also matches people in need of insurance services with insurance professionals who can provide those services. The use of our matching service is free for consumers.
health-plan-enrollment.com does not provide any financial services itself, nor does it endorse any third-party financial service provider. health-plan-enrollment.com is not affiliated with any third-party financial service provider. Any information, logotypes, brandmarks, trademarks, and service marks of or about any third party company or financial service provider is provided strictly on an informational basis, and does not imply an endorsement by or relationship with that third party.
While every effort is made to ensure the accuracy of the content of the health-plan-enrollment.com network, we cannot be held accountable for typographical errors, errors of fact, or any other error or inconsistency found on this or any other health-plan-enrollment.com website. We hereby disclaim all liability from any damages resulting from the use of this or any other health-plan-enrollment.com website, or the services provided on this or any other health-plan-enrollment.com website.
If you use our free service, we cannot guarantee that we will be able to locate a financial professional qualified to assist you.
The information provided on this site is not intended to convey tax or legal advice. For more detailed explanations of the laws, please consult an attorney or certified public accountant, as may be appropriate.
2960 West Cypress Creek Road, Fort Lauderdale, Fl 33309
If your personally-identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate it by emailing our Customer Support at firstname.lastname@example.org or by contacting us by telephone or postal mail at the contact information listed above.
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
THESE TERMS REQUIRE THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS.
BY USING THIS SITE, YOU ACCEPT AND ARE BOUND BY THESE TERMS AND CONDITIONS. YOU MAY NOT ORDER OR OBTAIN PRODUCTS OR SERVICES FROM THIS SITE IF YOU (A) DO NOT AGREE TO THESE TERMS, (B) ARE NOT THE OLDER OF (i) AT LEAST 18 YEARS OF AGE OR (ii) LEGAL AGE TO FORM A BINDING CONTRACT, OR (C) ARE PROHIBITED FROM ACCESSING OR USING THIS SITE OR ANY OF THIS SITE’S CONTENTS, GOODS OR SERVICES BY APPLICABLE LAW.
ANY DISPUTE OR CLAIM RELATING IN ANY WAY TO YOUR USE OF THIS WEBSITE, INCLUDING ANY RELATED CALLS TEXTS OR OTHER COMMUNICATIONS, WILL BE RESOLVED BY BINDING ARBITRATION, RATHER THAN IN COURT, EXCEPT THAT YOU MAY ASSERT CLAIMS IN SMALL CLAIMS COURT IF YOUR CLAIMS QUALIFY. THIS INCLUDES CLAIMS AGAINST OUR CLIENTS, VENDORS, AND MARKETING PARTNERS, WHICH ARE THIRD PARTY BENEFICIARIES OF THIS ARBITRATION AGREEMENT.
Class Action Waiver; Arbitration. YOU HEREBY IRREVOCABLY WAIVE ANY RIGHT YOU MAY HAVE TO JOIN CLAIMS WITH THOSE OF OTHERS IN THE FORM OF A CLASS ACTION OR SIMILAR PROCEDURAL DEVICE. ANY CLAIMS ARISING OUT OF, RELATING TO, OR CONNECTED WITH THIS AGREEMENT MUST BE ASSERTED INDIVIDUALLY.
In the event of any controversy between the parties, including but not limited to any claims, dispute, suite, demand, cross claim, counterclaim, or third-party complaint (where statutory, in tort, or otherwise) arising out of or relating to this agreement or its performance, breach, termination, enforcement, interpretation or validity, including the validity, scope or applicability of this provision to arbitrate, shall be determined by binding arbitration.
This arbitration is governed by the Federal Arbitration Act (“FAA”), 9 U.S.C. § 1 et seq. and not by any state rule or statute governing arbitration. Any and all arbitration under this Agreement shall be conducted in Miami-Dade County, Florida.
THE PARTIES AGREE THAT ARBITRATION SHALL BE BEFORE A SINGLE ARBITRATOR ON AN INDIVIDUAL BASIS AND NOT AS A CLASS OR MASS ACTION. FURTHER, THE PARTIES AGREE THAT THE ARBITRATOR MAY NOT CONSOLIDATE PROCEEDINGS OF MORE THAN ONE PERSON’S CLAIMS.
The Arbitration shall be administered by the American Arbitration Association (“AAA”) will be administered by the American Arbitration Association (“AAA”) in accordance with the Consumer Arbitration Rules (the “AAA Rules”) then in effect, except as modified by this Section. (The AAA Rules are available at adr.org or by calling the AAA at 1-800-778-7879.)
The Federal Arbitration Act will govern the interpretation and enforcement of this section, and according to the arbitration service’s fee schedule and the service’s current applicable rules and procedures EXCEPT: 1) that the parties expressly waive the applicability of any rule governing class or mass action; and 2) that the parties agree that any specific arbitration procedure provided for herein shall apply to the arbitration proceeding. The arbitrator shall be neutral and independent and shall comply with the selected arbitration service’s code of ethics. Additionally, the arbitrator shall be guided by and apply the Federal Rules of Evidence and “governing substantive” law.
The arbitrator’s award shall be final and binding on all parties, but subject to review in accordance with applicable statutes, rules and regulations governing arbitration awards. Judgment on the arbitration award may be entered in any court having jurisdiction over the parties.
The arbitrator will have exclusive authority to resolve any dispute relating to arbitrability and/or enforceability of this arbitration provision, including any unconscionability challenge or any other challenge that the arbitration provision or the Agreement is void, voidable or otherwise invalid. The arbitrator will be empowered to grant whatever relief would be available in court under law or in equity. Any award of the arbitrator(s) will be final and binding on each of the parties and may be entered as a judgment in any court of competent jurisdiction.
EACH PARTY SHALL BE EQUALLY RESPONSIBLE FOR PAYING ANY ARBITRATION/ARBITRATOR FEES, AND EACH PARTY EXPRESSLY AGREES THAT FAILURE TO PAY ANY SHARE OF THE ARBITRATION FEE SHALL RESULT IN A DEFAULT AGAINST THE PARTY FAILING TO PAY.
If a party fails to comply with the arbitrator’s award, the other party may petition a court having jurisdiction to enforce the award. The parties shall bear their own attorneys’ fees unless such fees are expressly provided for by applicable law. If the arbitrator determines that reasonable attorneys’ fees are to be awarded under applicable law, the parties agree that the arbitrator will also determine the amount under the award for attorneys’ fees. In the event a party fails to proceed with arbitration, fails to comply with the arbitrator’s award or unsuccessfully challenges the arbitrator’s award the other party is entitled to any costs and expenses incurred, including a reasonable attorneys’ fee for having to compel arbitration or defend or enforce the award. You may elect to pursue your claim in small-claims court rather than arbitration if you provide us with written notice of your intention to do so with advance notice of 60 days. The arbitration or small-claims court proceeding will be limited solely to your individual dispute or controversy. BINDING ARBITRATION MEANS: (1) THAT BOTH PARTIES GIVE UP THE RIGHT TO A TRIAL BY JURY; (2) THAT BOTH PARTIES GIVE UP THE RIGHT TO APPEAL FROM THE ARBITRATOR’S RULING EXCEPT FOR A NARROW RANGE OF APPEALABLE ISSUES EXPRESSLY PROVIDED FOR IN 9 U.S.C. § 16; AND (3) THAT DISCOVERY MAY BE SEVERELY LIMITED BY THE ARBITRATOR, AND SHOULD THE ARBITRATOR DECIDE TO ALLOW FULL DISCOVERY, THE ARBITRATOR MAY NOT EXCEED DISCOVERY LIMITATIONS SET FORTH BY THE FEDERAL RULES OF CIVIL PROCEDURE.