Health Insurance Today Terms of Service
Please read these terms and conditions of use carefully before using this website
The Terms & Conditions policy is effective as of the last updated date specified above. We may change the Terms & Conditions at any time. Please check this page periodically for changes as your continued use of the Site or Services after any such change will constitute your acceptance of any modified terms.
The Services are provided “as is”, and include Health Insurance Today Expert Advice™, free information, including insurance quotes and quote ranges, tools, links, and recommendations to help you with insurance and financial related decisions. Most information provided through the Service is provided for general informational and educational purposes. There is information provided at the point of sale for commercial purposes.
The Services include incorporation of third-party insurance products, brokers, and carriers in the form of an advertisement, insurance quote, online purchase, email, phone call, text message, or any other marketing medium. This serves as notice that you may have third-parties contact you on our behalf.
The Services also include formal quoting, brokering, and transacting of first-and-third-party insurance products. We are a licensed insurance agency.
Any quotes, or quote-ranges provided on the Site or over the phone are non-binding. The final insurance policy premium for any policy is determined following application by the underwriting insurance company. Insurance products and their availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required in your state. The third-party insurance products offered for sale through the Site are only available in the jurisdictions in which we are properly licensed.
The Site contains material, such as text, graphics, images, photos and other material provided by or on behalf of us, and through your use of the Services you will be provided with additional information from us. These materials and information are collectively referred to herein as the “Content.” The Content is owned by us and/or our licencors and may be protected under both United States and foreign copyright laws and treaties. The Content includes, but is not limited to, the trademarks, service marks, and logos that are used and displayed on the Site, which are registered and unregistered trademarks or service marks of ours or our licencors. Moreover, the organization and design of the Website are the property of Health Insurance Today and are protected worldwide by copyright laws and treaty provisions.
You shall not, without our written permission in each instance: use any trademarks, service marks or logos in any manner; copy or use the Content for any purpose; remove any copyright or other proprietary notices contained in the original Content on any copy you make of the Content; sell, transfer, assign, license, sub-license, or modify the Content, or use the Content for any public or commercial purpose; or use or post or publish the Content.
Nothing contained in these Terms and Conditions of Use shall be construed as conferring any license or right to any trademark or other intellectual property right of Health Insurance Today or any other party. Health Insurance Today and the stylized “Health Insurance Today Saturn Logo” design are registered trademarks of Health Insurance Today. All other trademarks, trade names, service marks and logos displayed throughout the website are the property of Health Insurance Today, licensed by Health Insurance Today, or owned by third parties. You shall not display, use as a link, use as a meta tag, or otherwise use any of the trademarks, trade names, service marks and logos displayed throughout the Website without the prior written consent of the owner of the trademark, trade name, service mark and logo.
Collection and use of information
Disclaimer and limitation of liability
YOU ACKNOWLEDGE AND AGREE THAT THE SITE, THE SERVICES, AND ALL CONTENT ARE PROVIDED “AS IS,” “AS AVAILABLE”, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE WILL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO OR USE OF THE SITE, THE SERVICES, OR ANY CONTENT.
MANY INSURANCE PRODUCTS QUOTED OR SOLD THROUGH THE SITE ARE THIRD-PARTY PRODUCTS AND ARE NOT OUR PRODUCTS. WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO SUCH PRODUCTS, AND WE ACCEPT NO LIABILITY IN CONNECTION WITH SUCH PRODUCTS. ALL SUCH PRODUCTS ARE PROVIDED TO YOU PURSUANT TO THE TERMS AND CONDITIONS OF THE INSURANCE CARRIER PROVIDING SUCH PRODUCTS.
IN NO EVENT SHALL WE BE LIABLE FOR DIRECT, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, REVENUES OR SAVINGS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR NEGLIGENCE, CONSEQUENTIAL, INCIDENTAL OR OTHER DAMAGES, IN SUCH JURISDICTIONS OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THIS SITE, ANY SERVICE, OR ANY CONTENT IS TO STOP USING THE SAME.