Welcome to health-coverages.com (the “Site”), a website owned and operated by GreenHive Group LLC, a licensed insurance agency (“GreenHive,” “the Company,” “we,” “us,” or “our”). Before using the Site, please review this Terms of Use Agreement (“Terms of Use” or “Agreement”). This Agreement governs your use of the Site and any services provided through or in connection with it and may be updated by GreenHive from time to time without prior notice. GreenHive may also offer other services that are governed by different terms.

By using the Site, you agree to these Terms of Use and to our Privacy Policy (incorporated by reference). If you do not agree, do not use or access the Site or our services.

Eligibility and Conditions of Use

The Site is provided subject to your acceptance, without modification, of all terms, notices, and conditions in this Agreement. Your continued access and use constitute your agreement to be bound by them and by any revisions we may post. Please check these Terms periodically for changes. This Agreement is a legally binding, “living” document between you and GreenHive. We may terminate or suspend access if we believe you have violated this Agreement.

Privacy

We respect your privacy. Information you provide is treated in accordance with our Privacy Policy. Use of the Site is subject to that policy. If you have questions about these Terms or our Privacy Policy, please contact us.

Contents

All materials on the Site are for general informational purposes only and you use them at your own risk. While we strive for accuracy and timeliness, errors may occur and some information may not be current. We may post follow-ups or maintain archives without updating earlier content to reflect subsequent developments.

Third-Party Content; Linking

For your convenience, the Site may link to third-party websites. If you access these links, you will leave our Site, and these Terms will no longer govern. We do not control and are not responsible or liable for third-party sites, products, services, or content. Reviews or testimonials posted by third parties on our Site are user-generated; GreenHive does not endorse such content and acts only as a passive conduit.

Ownership of Content

The Site and all related content and functionality are owned and operated by GreenHive Group LLC. Copyrights, trademarks, and other intellectual property associated with the Site are described below.

Copyright and Trademark Notices

Except for limited licenses expressly granted herein, all materials on the Site are the property of GreenHive or its licensors and are protected by intellectual property laws. You may display and print materials for personal, non-commercial use only. You may not otherwise reproduce, modify, distribute, or transmit materials without prior written consent of the owner.

We welcome links to our homepage, provided the link does not state or imply any affiliation, sponsorship, or approval by GreenHive. Framing or inline linking is not permitted.

Without our prior written consent, you may not: (a) support or enable transmission of mass unsolicited commercial emails (spam); or (b) use high-volume, automated, or electronic means (robots, spiders, scripts, etc.) to monitor or copy Site content.

The GreenHive name, logos, service names, and slogans (the “GreenHive Marks”) are trademarks of GreenHive. You may not display or use the GreenHive Marks without our prior written permission. All other marks referenced are the property of their respective owners. Nothing on the Site grants any license or right to use any mark.

Violations

Report violations of this Agreement by contacting us.

Copyright Infringement Policy (DMCA)

We investigate notices of alleged copyright infringement and take appropriate action under the Digital Millennium Copyright Act, 17 U.S.C. § 512. If you believe content on the Site infringes your copyright, send a written notice to our DMCA agent including:

1. A physical or electronic signature of the copyright owner or authorized agent;
2. Identification of the copyrighted work(s) claimed infringed, including copyright date;
3. Identification of the material claimed to be infringing and information reasonably sufficient to permit us to locate it;
4. Your contact information (address, phone, and email);
5. A statement that you have a good-faith belief the disputed use is not authorized by the copyright owner, its agent, or the law; and
6. A statement that the information in your notice is accurate, and under penalty of perjury, that you are the copyright owner or authorized to act on the owner’s behalf.

SMS, Auto-Dialed Calls, and Other Electronic Communications

By providing your phone number or creating an account, you expressly consent to receive communications from GreenHive and its affiliates via telephone (including auto-dialer or prerecorded/artificial voice), SMS/MMS texts, email, push notifications, or messaging platforms, even if your number is on a Do-Not-Call list. Consent is not a condition of purchase. Standard message and data rates may apply. You may opt out by contacting us.

You acknowledge electronic communications may be inherently insecure at times and agree both parties will take reasonable steps to maintain privacy.

Prohibited Activities; Disclosure

You are responsible for content you submit or post. You agree not to submit unlawful, defamatory, abusive, obscene, threatening, or infringing material, or anything that interferes with others’ use of the Site or violates rights of others. Prohibited activities include:
(1) attempting unauthorized access to data, servers, or accounts;
(2) interfering with security or attempting to probe, scan, or test vulnerabilities;
(3) uploading/transmitting viruses or malicious code;
(4) brute-force attacks; or
(5) violating applicable laws or regulations.

We may (but are not obligated to) monitor, remove, move, or edit submissions we deem inappropriate. We will comply with lawful requests and may disclose information to law enforcement or as otherwise required by law.

Termination

We may, in our sole discretion, terminate or suspend your access to the Site at any time, without notice or liability, including for any violation of these Terms. Provisions that by their nature should survive termination do so.

Violations of Terms of Use

We may seek any remedy available at law or in equity for violations, including blocking access from particular IP addresses. Irreparable harm will be presumed by any violation.

Indemnification

You agree to indemnify, defend, and hold harmless GreenHive, its parents, subsidiaries, affiliates, and their respective officers, directors, managers, employees, consultants, and agents from and against all claims, losses, expenses, damages, and costs (including reasonable attorneys’ fees and court costs) arising from your breach of this Agreement or unauthorized use of the Site. We may assume exclusive defense and control at our expense; you agree to cooperate.

Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, GREENHIVE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE OR CONTENT WILL BE ACCURATE, COMPLETE, RELIABLE, CURRENT, UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

Limitations of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL GREENHIVE, ITS PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, DIRECTORS, MANAGERS, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFITS, GOODWILL, DATA, OR USE), EVEN IF ADVISED OF THE POSSIBILITY. IF YOU ARE DISSATISFIED WITH THE SITE OR THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO STOP USING THE SITE. IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT (IF ANY) YOU PAID TO GREENHIVE FOR THE APPLICABLE SERVICE.

Some jurisdictions do not allow certain disclaimers or limitations; in such cases, our liability shall be limited to the minimum extent permitted by law.

Severability; Entire Agreement

Each provision of this Agreement is independent. If any provision is held invalid or unenforceable, the remaining provisions remain in full force. These Terms constitute the entire agreement between you and GreenHive regarding the Site and supersede prior or contemporaneous agreements on this subject.

Arbitration and Applicable Law

By visiting or using the Site from within the United States, you agree that the laws of the State of California, without regard to its conflict-of-laws rules, govern these Terms and any disputes between you and GreenHive or its affiliates.

ANY CONTROVERSY OR CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE SHALL BE RESOLVED BY BINDING ARBITRATION IN CALIFORNIA UNDER THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION (“AAA”). THE ARBITRATOR SHALL BE NEUTRAL AND INDEPENDENT AND SHALL FOLLOW THE AAA CODE OF ETHICS. THE ARBITRATOR’S AWARD SHALL BE FINAL, AND JUDGMENT MAY BE ENTERED IN ANY COURT OF COMPETENT JURISDICTION. CLAIMS MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY; CLASS, REPRESENTATIVE, OR CONSOLIDATED ACTIONS ARE NOT PERMITTED. THE PARTIES SHALL SHARE ARBITRATION COSTS (EXCLUDING ATTORNEYS’ FEES) EQUALLY, SUBJECT TO THE ARBITRATOR’S ALLOCATION. A PARTY WHO FAILS TO ABIDE BY AN AWARD SHALL BE LIABLE FOR THE OTHER PARTY’S COSTS TO ENFORCE IT.

Special Admonitions for International Use

If you access the Site from outside the United States, you are responsible for compliance with local laws, including export laws. These Terms are governed, construed, and enforced in accordance with California law. To the extent you violate or threaten to violate GreenHive’s intellectual property rights, GreenHive may seek injunctive relief in any state or federal court in California, and you consent to exclusive jurisdiction and venue there.

Notice

We may provide notices via email, postal mail, or by posting on the Site.

Changes to Terms of Use

We may modify these Terms and the Site without notice. Changes are effective when posted. Your continued use after changes are posted constitutes acceptance.

No Resale of Service

Except as expressly permitted in writing by GreenHive, you may not reproduce, copy, sell, resell, or exploit any portion of the Site for commercial purposes.

Feedback and Submissions

We welcome feedback and suggestions. By submitting feedback, you represent you have the rights to do so and grant GreenHive a royalty-free, perpetual, irrevocable, transferable, non-exclusive license to use, reproduce, create derivative works from, distribute, and display such feedback in any media, without additional approval or consideration.