By accessing and using the resources provided on Health-Coverages.com, you agree to be bound by the following terms and conditions. If you do not agree with any part of these terms, please refrain from using this website. These terms constitute a binding agreement between you (the visitor) and GreenHive Group LLC, the operator of Health-Coverages.com.

User Representation

When you use Health-Coverages.com, you represent and warrant that:

• You are of legal age to enter into this agreement and agree to abide by these terms, or
• You are the parent or legal guardian of a child under the legal age to enter into this agreement and agree to be bound by these terms on behalf of your child. In this context, “you,” “yourself,” “your,” and “user” refer to you as an individual and, if applicable, on behalf of your child.

Services

Health-Coverages.com is designed as an online resource for consumers interested in purchasing or gaining insights into the health insurance marketplace. We offer search, comparison, and informational tools to assist consumers in making informed decisions about their health insurance needs.

While we gather information from various sources, including government, nonprofit, and commercial entities, you acknowledge that Health-Coverages.com is not responsible for the accuracy, timeliness, or completeness of the information presented.

Health-Coverages.com provides users with the opportunity to receive health insurance quotes from our network of service providers. However, we are not a health insurer or agency, and we do not endorse or recommend specific companies or insurance policies. We may allow users to submit requests for information regarding products and services offered by select service providers.

Content

Content on Health-Coverages.com is provided solely for your convenience and informational purposes. It should not be considered a substitute for professional or financial advice, and you should not interpret it as such. We do not guarantee the accuracy or reliability of website content, and we are not responsible for any expenses, losses, or damages resulting from reliance on the information presented here. This website and its content are provided “AS IS.”

When accessing or linking to this website, you assume the risk that the information it contains may be incomplete, inaccurate, outdated, or may not meet your specific needs.

Links

Health-Coverages.com may include links to external websites and online resources. Since we have no control over the availability or accuracy of these external sites and resources, you acknowledge that we are not responsible for them.

Service Providers

When you submit a request to us via online form, you agree to allow us to share the information you provide with service providers to fulfill your request. You are under no obligation to purchase anything from the service providers we connect you with. However, we strongly recommend that you conduct your own due diligence and research before entering into any agreements with them. After connecting you with a service provider, we have no further involvement in or responsibility for transactions between you and that service provider.

Your interactions with service providers accessed through Health-Coverages.com are at your own risk, and we have no liability for the actions, omissions, errors, representations, warranties, breaches, or negligence of these service providers or for any expenses, losses, or damages resulting from your interactions with them.

Prohibited Activity

You agree not to use the website for illegal, unauthorized, harmful, misleading, fraudulent, or malicious purposes. You shall not post, disseminate, or communicate unlawful, defamatory, obscene, lewd, excessively violent, harassing, sexually explicit, or otherwise objectionable content or materials. Additionally, you shall not transmit material containing viruses or other malicious code, infringe on intellectual property rights, invade privacy, or engage in any prohibited activity.

Excessive usage that disrupts the website’s functionality or negatively impacts its speed and responsiveness is also prohibited. Attempting to damage, hack, crack, reverse engineer, or interfere with Health-Coverages.com in any way is strictly prohibited.

Creating a database by systematically downloading and storing website content is not allowed.

Disclaimer of Warranties

The website is provided “AS IS,” and you assume all liability for its use. Health-Coverages.com expressly disclaims all warranties, whether express or implied, including but not limited to merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy. We also disclaim any warranties arising from usage of trade, course of dealing, or course of performance.

Limitation of Liability

We, along with our officers, directors, employees, representatives, affiliates, and providers, shall not be responsible or liable for any damages to your computer equipment or property or any injury, death, loss, claim, delay, or direct, special, exemplary, punitive, indirect, incidental, or consequential damages of any kind. This includes, but is not limited to, lost profits or savings, whether based in contract, tort, strict liability, or otherwise, arising from:

• Use of the website or its content
• Failure or delay in website functionality
• Performance or non-performance by us or any provider

Some states may not allow the limitation of liability, so these limitations may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless Health-Coverages.com, its affiliates, their officers, directors, employees, agents, and their heirs, legal representatives, successors, and assigns from any claim, demand, loss, damage, cost, or liability.

Governing Law

These terms shall be governed by the laws of the State of Ohio.

Privacy Policy

For information regarding our privacy practices, please review our Privacy Policy.

Miscellaneous

Nothing in these terms shall create an agency or partnership between the parties. You may not assign your rights or obligations under these terms, while we may assign ours without notice to you. We may modify these terms at any time by posting notice on the website.

By accessing this website, you acknowledge that you have read and understood these terms, and they have the same force and effect as a signed agreement.