Terms of Use

1. Acceptance of Terms

By accessing or using the website of FindHealthQuotes ("website" or "site") or submitting your information, you agree to be bound by these Terms of Use ("Terms"). If you do not agree, do not use our website.

Your continued use of the website constitutes acceptance of these Terms and any modifications we make to them.

2. What We Do

FindHealthQuotes helps consumers compare health insurance options and connects them with licensed insurance agents, brokers, and carriers. We are a marketing and referral service. We do not sell insurance directly, underwrite policies, make eligibility determinations, or set premiums.

Any plans, benefits, pricing, and eligibility are offered and determined solely by the third-party licensed agents and insurance carriers, subject to their terms and applicable law. Availability varies by state and may change at any time.

3. No Government Affiliation

Information on this website is not provided by, and does not represent, any government program. To use an official marketplace directly, visit HealthCare.gov or your state's marketplace.

4. Consent to Be Contacted

When you submit your information, you agree to be contacted as described in our Privacy Policy, including by phone, text, and email (which may be automated or prerecorded) by us and by the licensed agents, carriers, and marketing partners we work with. Consent is not a condition of purchase, and you may opt out as described in our Privacy Policy.

5. Eligibility & Your Responsibilities

By using our website and submitting information, you represent and agree that:

• You are at least 18 years old and legally able to enter into these Terms
• The information you provide is accurate, current, and complete, and relates to you or to someone for whom you are authorized to seek coverage
• You will use the website only for lawful purposes and your own personal, non-commercial use
• You are responsible for independently evaluating any plan, agent, or carrier before purchasing coverage

6. Prohibited Activities

You agree not to:

• Use the website for any unlawful, fraudulent, or deceptive purpose
• Submit false, misleading, or unauthorized information
• Transmit viruses, malware, or harmful code, or attempt to gain unauthorized access to our systems
• Use bots, scrapers, or automated means to access or collect data from the website
• Interfere with the operation, security, or performance of the website
• Copy, reproduce, or use our content or trademarks without permission

7. Intellectual Property

All content on this website — including text, graphics, logos, and the FindHealthQuotes name and marks — is owned by us or our licensors and is protected by intellectual property laws. You may view and print pages for personal, non-commercial use only. All other use without our prior written consent is prohibited.

8. Third-Party Links & Services

Our website may link to or connect you with third-party websites, agents, and carriers that we do not control. We do not endorse and are not responsible for their content, products, services, or practices. Your dealings with any third party are solely between you and that party.

9. Disclaimer of Warranties

FindHealthQuotes disclaims all warranties, express or implied, including:

• Merchantability or fitness for a particular purpose
• Accuracy, completeness, timeliness, or reliability of content
• Uninterrupted, secure, or error-free operation of the website
• That any plan, agent, or carrier referral will meet your needs

Some jurisdictions do not allow certain warranty disclaimers, so some of these may not apply to you.

10. Limitation of Liability

To the fullest extent permitted by law, FindHealthQuotes shall not be liable for:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, goodwill, or coverage opportunities
• The acts, omissions, products, or advice of any third-party agent or carrier
• Damages arising from your use of, or inability to use, the website

Some jurisdictions do not allow the exclusion of consequential damages, so this limitation may not apply fully to you.

11. Indemnification

You agree to indemnify and hold harmless FindHealthQuotes and its affiliates from any claims, damages, losses, and expenses arising from your use of the website, your breach of these Terms, your violation of any law, or the information you submit.

12. Privacy

Your use of our website is also governed by our Privacy Policy, which explains how we collect, use, and share your information. By using the website, you consent to those practices.

13. Governing Law & Disputes

These Terms are governed by the laws of the state in which we maintain our principal place of business, without regard to conflict-of-law rules. Before bringing any formal action, you agree to first contact us to attempt to resolve the dispute informally.

14. Changes, Severability & Termination

We may modify these Terms at any time by posting the updated version, which becomes effective on posting. If any provision is found unenforceable, the remaining provisions stay in effect. We may suspend or terminate your access to the website at any time. Provisions on intellectual property, disclaimers, liability, indemnification, and governing law survive termination.

15. Contact Us

If you have questions about these Terms of Use, please reach us through our contact page: