Terms & Conditions

1. Acceptance of Terms

By accessing and using the HealthCoveragePros website ("we," "our," or "us"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these Terms & Conditions, you should not use our website or services.

HealthCoveragePros provides an online platform to help consumers compare and connect with licensed insurance agents and carriers. Our services are offered subject to your acceptance of these Terms & Conditions and our Privacy Policy.

2. Service Description

HealthCoveragePros operates a health insurance comparison platform that:

• Provides educational information about health insurance options
• Offers a quiz to help determine eligibility and preferences
• Connects users with licensed insurance agents and carrier partners
• Facilitates the comparison of insurance quotes and plans

We do not provide insurance directly and are not an insurance carrier. We are a marketing lead generation platform that connects consumers with licensed insurance professionals who can provide insurance quotes and enrollment assistance.

3. User Responsibilities

By using our services, you agree to:

• Provide accurate, current, and complete information when completing our quiz or forms
• Maintain the security of your account and login credentials, if any
• Not use our website for any unlawful purpose or in violation of these Terms
• Not attempt to gain unauthorized access to any part of our website or systems
• Not interfere with or disrupt the operation of our website
• Not transmit any viruses, worms, or other harmful code
• Not collect or store personal information about other users without their consent

You are solely responsible for all activities that occur under your account or device.

4. Information Accuracy

The information provided on our website and through our quiz is for educational and informational purposes only. While we strive to provide accurate and up-to-date information:

• Insurance plan benefits: Coverage and pricing are subject to change
• Quotes: Amounts are estimates and may vary based on final underwriting
• Accuracy: We cannot guarantee the absolute timeliness of all information
• Verification: Always verify insurance information directly with the carrier or agent

Insurance carriers have the sole discretion to approve or deny coverage and to determine final premiums and benefits.

5. Third-Party Services and Links

Our website may contain links to third-party websites, services, or applications that are not owned or controlled by HealthCoveragePros. We are not responsible for:

• The content, privacy practices, or accuracy of third-party websites
• The products or services offered by third-party insurance carriers or agents
• Any damages or losses arising from your interactions with third parties

Your interactions with third-party insurance carriers or agents are governed by their own terms and privacy policies. We encourage you to review the terms and privacy policies of any third parties you engage with.

6. Intellectual Property Rights

The content, design, graphics, and other materials on our website are protected by intellectual property laws and are owned by HealthCoveragePros or our licensors. You may not:

• Copy, reproduce, modify, or distribute our content without authorization
• Use our trademarks, logos, or branding without written permission
• Create derivative works based on our content
• Use our content for commercial purposes without authorization

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HEALTH COVERAGE PROS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION:

• Damages for loss of profits, goodwill, use, data, or other intangible losses
• Damages resulting from your use or inability to use our website
• Damages resulting from any third-party conduct or content
• Damages resulting from errors, omissions, or inaccuracies in our content
• Damages resulting from any interruption or cessation of our website

13. Contact Us

If you have questions, concerns, or requests regarding these Terms & Conditions, please contact us: