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Terms and Conditions

Updated 10/30/2024

Clients

By using the Internet site located at HealthInsurance.com (the "Site") or any services provided in connection with the Site (the "Service"), you agree to abide by these Terms of Use, as they may be amended by Health Insurance Associates LLC DBA HealthInsurance.com (the "Company"), from time to time in its sole discretion. Company will post a notice on the Site any time these Terms of Use have been changed or otherwise updated.

It is your responsibility to review these Terms of Use periodically, and if at any time you find these Terms of Use unacceptable, you must immediately leave the Site and cease all use of the Service and the Site.

BY USING THIS SITE YOU REPRESENT THAT YOU ARE AT LEAST 18 YEARS OLD AND THAT YOU ARE LEGALLY ABLE TO ENTER INTO THIS AGREEMENT.

Privacy Policy

The Company respects your privacy. A complete statement of Company’s current privacy policy can be found on the bottom of HealthInsurance.com. The Company’s privacy policy is expressly incorporated into this Agreement by this reference.

By providing information to Company through the Site or Services, you provide your affirmative consent that Company may collect, use, and disclose any information submitted or collected through the Site or Services, that Company may contact you via any contact method you provide, including email and telephone, that Company may disclose your contact information to third-parties, and that such third-parties may contact you via commercial email, telephone, or any other communication method.

Registration

If you are required to open an account to use or access the Site or Service, you must complete the registration process by providing the complete and accurate information requested on the registration form. You will also be asked to provide a user name and password. You are entirely responsible for maintaining the confidentiality of your password. You may not use the account, username, or password of someone else at any time.

You agree to notify Company immediately on any unauthorized use of your account, user name, or password. Company shall not be liable for any loss that you incur as a result of someone else using your password, either with or without your knowledge.

Compliance with Intellectual Property Laws

When accessing the Site or using the Service, you agree to obey the law and to respect the intellectual property rights of others. Your use of the Service and the Site is at all times governed by and subject to laws regarding copyright ownership and use of intellectual property.

You agree not to upload, download, display, perform, transmit, or otherwise distribute any information or content in violation of any third party’s copyrights, trademarks, or other intellectual property or proprietary rights.

You agree to abide by laws regarding copyright ownership and use of intellectual property, and you shall be solely responsible for any violations of any relevant laws and for any infringements of third-party rights caused by any Content you provide or transmit.

No License

Nothing contained on the Site should be understood as granting you a license to use any of the trademarks, service marks, or logos owned by Company or by any third party.

Alleged Violations

Company reserves the right to terminate your use of the Service and/or the Site. Company may access your account and records on a case-by-case basis to investigate complaints or allegations of abuse, infringement of third-party rights, or other unauthorized uses of the Site or the Service.

Company reserves the right to terminate your account or your access to the Site immediately, with or without notice to you, and without liability to you, if Company believes that you have violated any of the Terms of Use, furnished Company with false or misleading information, or interfered with use of the Site or the Service by others.

No Warranties

COMPANY HEREBY DISCLAIMS ALL WARRANTIES. COMPANY IS MAKING THE SITE AVAILABLE "AS IS" WITHOUT WARRANTY OF ANY KIND. YOU ASSUME THE RISK OF ANY AND ALL DAMAGE OR LOSS FROM USE OF, OR INABILITY TO USE, THE SITE OR THE SERVICE.

Limited Liability

Company’s liability to you is limited. To the maximum extent permitted by law, in no event shall Company be liable for damages of any kind arising out of or in connection with your use of the Site or any other materials or services provided to you by Company.

This limitation shall apply regardless of whether the damages arise out of breach of contract, tort, or any other legal theory or form of action.

Affiliated Sites

Company has no control over, and no liability for any third-party websites or materials. Company works with a number of partners and affiliates whose Internet sites may be linked with the Site.

Because neither Company nor the Site has control over the content and performance of these partner and affiliate sites, Company makes no guarantees about the accuracy, currency, content, or quality of the information provided by such sites, and Company assumes no responsibility for unintended, objectionable, inaccurate, misleading, or unlawful content that may reside on those sites.

Prohibited Uses

Company imposes certain restrictions on your permissible use of the Site and the Service. You are prohibited from violating or attempting to violate any security features of the Site or Service, including, without limitation...

Indemnity

You agree to indemnify Company for certain of your acts and omissions. You agree to indemnify, defend, and hold harmless Company, its affiliates, officers, directors, employees, consultants, agents, and representatives from any and all third-party claims...

Copyright

All contents of Site or Service are: Copyright © 2026 HealthInsurance.com. All rights reserved.

Governing Law

These Terms of Use shall be construed in accordance with and governed by the laws of the State of Florida without reference to their rules regarding conflicts of law. You hereby irrevocably consent to the exclusive jurisdiction of the courts of the State of Florida...

Severability; Waiver

If, for whatever reason, a court of competent jurisdiction finds any term or condition in these Terms of Use to be unenforceable, all other terms and conditions will remain unaffected...

Arbitration Agreement

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...

Modifications

Company may, in its sole discretion and without prior notice, revise these Terms of Use; modify the Site and/or the Service; and discontinue the Site and/or Service at any time...

Acknowledgement

BY USING THE SERVICE OR ACCESSING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE AND AGREE TO BE BOUND BY THEM.

Privacy Policy

Last updated: 2026-10-2

Effective Date: 2026-10-2

This Online Privacy Policy ("Policy") covers how, healthinsurance.com, a DBA of Health Insurance Associates, LLC ("we," "us," or "our") treats your personal information and other information that we collect when you interact with our website or services.

What is Personal Information?

Personal information is any information that can reasonably identify you as an individual, by itself or with other personal or identifiable information. We may collect information about you in a variety of ways depending on how you interact with us and our website, products, and services. The specific personal information that we collect, use, and disclose depends on our relationship or interaction with you.

Personal Information We Collect Online

How do we collect personal information online?

We collect personal information from a variety of sources, including from you directly when you access certain portions of our website, automatically through the use of cookies, server logs, and other similar technologies when you interact with our websites.

Our representatives may request additional information over the telephone including date of birth, mailing address, certain information pertaining to your desired result, and any other information requested by our applicable representative.

We may collect certain personal information about you and your desktop computer and/or mobile device when you visit many of the pages of the website. This information may include the type of browser, IP address, operating system, and domain name of your internet service provider.

We use this information to improve the design and content of the Site Offerings and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze usage of the Site Offerings.

We may use cookies or other technology to deliver more relevant advertising and to link data collected across other computers or devices that you may use. We do not currently recognize Do Not Track requests or headers from your browser.

Use of Personal Information

Where you submit personal information, we use the information that you make available to personalize your experience with the site and to facilitate the delivery of the applicable services to you, including to respond to any inquiries you make.

We will also use your personal information for customer service, to provide you with information that you may request, to customize your experience with the site, and/or to contact you when necessary in connection with your use of the site. We may also use your personal information for internal business purposes, such as analyzing and managing our service offerings including, without limitation, the site itself.

We may also combine the information we have gathered about you with information from other sources.

Disclosure of Personal Information

In addition to the specific situations discussed elsewhere in this Privacy Policy, we may disclose personal information in the following situations:

  • Acquisitions.
  • Other Disclosures without Your Consent.
  • Public.
  • Service Providers.
  • Other Disclosures with Your Consent.

External Parties

This Disclosure pertains only to our own privacy practices and does not extend to third-party service providers that we do not own or control.

We cannot be held accountable for the information practices of third parties, including those operating websites or services that our Services link to.

Furthermore, we cannot be responsible for the information practices of other organizations such as Facebook, Apple, Google, Microsoft, Bing, app developers, app providers, social media platforms, operating systems, wireless service providers, or device manufacturers.

This includes any Personal Information you directly disclose to other organizations or enable to be disclosed to other organizations via your device or browser preferences while using the Apps or social media pages.

This information is collected in order to process transactions, comply with laws, manage our business, or provide you with services. We do not use such information for purposes not identified within the California Privacy Rights Act Section 1798.121. We do not "sell" or "share" sensitive personal information for purposes of cross-context behavioral advertising.

Third-Party Websites

This site may contain links to third-party owned and/or operated websites including third-party providers with whom we work. If you visit or access one of these third-party websites, please review their online privacy and data collection practices.

We are not responsible for the privacy practices or the content of such websites.

Additional Information for California Residents

In the past 12 months, we have collected and disclosed categories of Personal Information, including identifiers, health related information, characteristics of protected classifications, commercial information, biometric information, internet or other electronic network activity information, geolocation data, audio/electronic/visual/thermal/olfactory or similar information, professional or employment-related information, inferences drawn from the information listed, and additional categories of personal information described in the California Customer Records statute.

California Sensitive Information Disclosure

We collect the following categories of sensitive personal information (as defined under California law):

  • Health information, such as current healthcare status, desired health benefits, and current plan information.
  • Information related to the physical, physiological, or behavioral characteristics of an individual, such as biometric data, fingerprints, facial recognition data, and other similar data used to identify an individual based on unique physical characteristics.

Your Choices

  • You may request that we delete your personal information.
  • You may request that we disclose the categories and/or specific pieces of personal information collected or confirmation that we have information about you.
  • You may ask us to correct information that is inaccurate or incomplete.
  • You may object to our use or disclosure of your personal information by contacting us at the address below.
  • You may direct us not to share your personal information.
  • You may cancel promotional text messages at any time by replying STOP.
  • You may opt-out or unsubscribe from receiving email and other forms of communications from us.

If you would like to exercise any of the above rights, you may do so by e-mailing us at [email protected] or calling us at (800) 985-9449.

Upon submission, you may be asked to verify your identity. If we are able to verify your request, we will respond within 45 days of your submission (or such additional time period as the law allows us).

In some circumstances, you may designate an authorized agent to submit requests to exercise certain privacy rights on your behalf.

We do not discriminate against any individual who chooses to exercise any of the above rights. If you disagree with how we handled a request, you may appeal our decision by contacting us with the subject line "Appeal."

Protecting Your Information

We use reasonable and appropriate methods to protect your information. Please be advised, however, that no storage facility, technology, software, security protocols or data transmission over the internet or via wireless networks can be guaranteed to be 100% secure.

In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your personal information.

Data Retention

We retain your personal information for only as long as necessary to fulfill the purposes outlined in this Privacy Policy, including for the purposes of satisfying any legal, accounting, or reporting requirements, unless a longer retention period is required or permitted by law.

To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure, the purposes for which we obtained it, and applicable legal requirements.

Children

Visitors under 18 years of age are not permitted to use and/or submit their personal information to our website. We do not knowingly solicit or collect information from visitors under 18 years of age.

Updates to Our Privacy Policy

This Privacy Policy may be updated at any time and without prior notice to you to reflect changes in our personal information practices. We will indicate at the top of the policy when it was most recently updated. This policy was first effective in May 2025.

Contact Us

If you have any questions about this Privacy Policy or our privacy practices in general, or if you need to access this Privacy Policy in an offline format, you may email us at [email protected]; or mail us at: Health Insurance Associates, LLC, 1175 Beville Road, Daytona Beach, FL 32114.

Privacy Policy | Cookie Policy | Do Not Sell or Share My Personal Information