TERMS OF USE
1. AGREEMENT
Welcome to HealthMattersCoverage.com! By viewing this site as well as submitting information or clicking “Continue” or “Submit,” you agree to these Terms of Use (the “Agreement”), a legally binding contract between HealthMattersCoverage.com (“HMC”) and you (“You” or “Your”) governing your use of our website (the “Website”) and services (the “Services”). Print or save this Agreement for reference. By using the Website, you confirm you have read, understood, and agree to this Agreement and HMC’s Privacy Policy, incorporated herein. IF YOU DO NOT AGREE, DO NOT USE THE WEBSITE OR SERVICES AND EXIT IMMEDIATELY.
2. PRIVACY POLICY
Your use of the Website constitutes consent to HMC’s collection and use of your information as described in the Privacy Policy. Review the Privacy Policy regularly for updates.
3. CHANGES TO AGREEMENT AND PRIVACY POLICY
HMC reserves the right to modify this Agreement or Privacy Policy at any time by posting updates. Your continued use after changes constitutes acceptance. YOU ARE RESPONSIBLE FOR REVIEWING THESE TERMS PERIODICALLY.
4. ELIGIBILITY
By using the Website, you represent that you are at least 18 years old and legally capable of entering contracts. If using on behalf of a company, you warrant authorization to bind that entity. This Agreement is void where prohibited.
5. LICENSE
HMC grants you a limited, non-exclusive, non-transferable, revocable license to use the Website and Services, provided you comply with this Agreement. You may not reproduce, modify, or exploit any part of the Website without HMC’s written consent. All rights not expressly granted are reserved.
6. NO RELIANCE ON THIRD-PARTY CONTENT
The Website facilitates connections with insurance agents but does not endorse or verify third-party content. HMC is not responsible for:
Content on linked third-party websites.
Accuracy of insurance plan details.
Quality of services provided by agents.
7. ASSUMPTION OF RISK; RELEASE
You assume all risks related to using the Website and Services. You release HMC and its affiliates (collectively, “HMC Parties”) from any claims arising from your use, including but not limited to:
Technical issues or data loss.
Errors in plan information.
Interactions with insurance agents.
8. NO ATTORNEY-CLIENT RELATIONSHIP
Using the Website does not create a broker-client or insurer-client relationship. HMC is not an insurance provider, broker, or government agency. Information provided is not professional insurance advice.
9. CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS FROM IM
By providing contact details, you consent to receive emails/texts from HMC about Services, offers, and promotions. Opt-out anytime via unsubscribe links or emailing support@healthmatterscoverage.com
10. CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS FROM IM PARTNER ADVOCATES AND ATTORNEYS
You agree insurance agents may contact you via email, phone, or text regarding plans. Opt-out as described in Section 9.
11. THIRD-PARTY WEBSITES
HMC is not responsible for third-party websites linked on the Website. Use at your own risk.
12. PROHIBITED USES
You agree not to:
Reverse-engineer or misuse HMC’s systems.
Harass others or violate privacy rights.
Provide false information.
Impersonate others.
Disrupt the Website (e.g., spam, viruses).
13. INTELLECTUAL PROPERTY
(a) Compliance with Law: You agree to respect intellectual property laws.
(b) Trademarks: “HealthMattersCoverage” and its logo are HMC’s trademarks. Unauthorized use is prohibited.
(c) Copyright: All Website content is owned by HMC or licensors. No rights are granted except as stated herein.
(d) DMCA Policy: To report copyright infringement, email [support@healthmatterscoverage.com] with:
A statement under penalty of perjury that you are the copyright owner or authorized to act.
A description of the infringing material.
14. DISCLAIMERS; LIMITATION OF LIABILITY
(a) NO WARRANTIES: The Website and Services are provided “as is.” HMC disclaims all warranties, including fitness for purpose or accuracy.
(b) LIMITATION OF LIABILITY: HMC’s maximum liability is $50. HMC is not liable for indirect, consequential, or punitive damages.
15. YOUR REPRESENTATIONS AND WARRANTIES
You warrant compliance with this Agreement and all applicable laws.
16. INDEMNITY BY YOU
You agree to indemnify HMC Parties against any claims arising from:
Violations of third-party rights.
Your breach of this Agreement.
Your use of the Website.
17. GOVERNING LAW; JURISDICTION AND VENUE
(a) 1-Year Limitations Period: Claims must be filed within one (1) year of arising.
(b) Arbitration: Disputes will be resolved via binding arbitration under AAA rules. Class actions are waived.
(c) Venue: Arbitration or legal actions must occur in Denver, Colorado. Colorado law governs.
18. TERMINATION
HMC may terminate your access for any breach. You may terminate by notifying HMC.
19. NOTICES
Notices will be sent via email. You are responsible for keeping your email address current.
20. PARTIAL INVALIDITY
If any provision is invalid, the remainder of the Agreement remains enforceable.
21. GENERAL
This Agreement is the entire agreement between you and HMC. Amendments require HMC’s written consent. No third-party beneficiaries exist except as stated herein.