Terms of Use

Last modified on 9/8/2022

TERMS OF SERVICE

Health Choice, LLC (the “Company”) provides “The User” with access to its content, resources, tools for communication, public forums, commerce platforms, and other services through its network of websites, “The Service.” The following terms and conditions (the “Terms of Service”) govern your use of The Services offered through Simplemedigap.com (collectively, the “Site”).

The Company is not responsible for providing you access facilities or equipment (in any form) to its service. You, The User, also comprehend and concur that the Site may include advertisements and sponsorships and that these are necessary for the Company to provide The Service. You also comprehend and agree that the Company makes no submission about the suitability, reliability, availability, timeliness, accuracy of the information, products, services and related graphics contained within the Site for any purpose. The Site is provided “as is” without warranty of any kind. The Company hereby disclaim all warranties and conditions with regard to the Site.

ACKNOWLEDGMENT AND ACCEPTANCE OF TERMS OF SERVICE

By using the Site, including calling our toll free number, initiating a request for us to contact you by telephone, signing up to receive news and information by providing your email address, or any other means we might make available, you accept and agree to these Terms of Service. If you do not agree to these Terms of Service, you are prohibited from using or accessing the Site. The Company Terms of Service comprises the entire agreement between The User and the Company and supersedes any prior agreements pertaining to the subject matter contained herein.  The terms “we,” or “us,” refer to Health Choice, LLC and its subsidiaries and affiliates.

OUR SERVICE

The Company provides you the opportunity to obtain insurance quotes from insurance providers and other service providers. Once you provide us with certain information regarding your needs, we attempt to match you with appropriate offerings and provide links to further information. We are not responsible in any way for the conduct of the service providers and other companies whose products may be displayed on the our site. The policy provided by any service provider will be subject to the terms and conditions under which it issued, and we have no control over such terms and conditions. While we make every attempt to publish current information regarding a variety of offerings, such information is presented without guarantee or warranty. After selecting a link to a service provider, you will be taken to such party’s site where you can review their applicable terms and conditions.

ACCESSING OUR SITE

You may only use the Site if you live in the United States and are at least 18 years old. We reserve the right, for any reason, in our sole discretion, to terminate, change, suspend or discontinue any aspect of the Site. We may also impose limits on certain features of the Site or restrict your access to part of or the entire Site, without notice or penalty.

USAGE OBLIGATIONS

As a condition of your use of the Site you will not use the Site for any illegal purposes. You will be solely responsible for the contents of transmissions made by you through the Site.

You agree not to use the Site to: (a) Obstruct or hinder the use and enjoyment of the Site by other Users; (b) Violate any applicable local, state, national, and international laws and regulations; (c) Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity; (d) Interfere with or disrupt the Site or servers or networks connected to the Site, or defy any requirements, regulations or guidelines of networks connected to the Site (e) Transmit or otherwise make available any material in connection with surveys, chain letters, junk e-mail, spamming, contests, pyramid schemes, or any duplicative or unsolicited messages (commercial or otherwise); (f) Upload, post, e-mail, transmit or otherwise make available any content that is unlawful, damaging, intimidating, hostile, offensive, harassing, defamatory, improper, obscene, vulgar, invasive of another’s privacy, caste related, ethnically or otherwise objectionable; (g) Upload, post, e-mail, transmit or otherwise make available any content protected by any patent, trademark, copyright or other intellectual proprietary laws unless you own or control the rights thereto or have received all necessary consents to do the same; (h) Upload files that contain viruses, worms, corrupted files or any other similar software or programs designed to disrupt, damage or limit the operation of any computer or telecommunications equipment or property of another; (i) “Stalk” or otherwise harass other users; collect or store personal data about other users. (j) Advertise, promote or offer to sell or buy any goods or services for any business purpose unless the Site specifically allows such messages or transactions. (k) Reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion, use or access of the Site/ (l) Violate the Fair Credit Reporting Act, the Fair Debt Collection Practices Act or any other law, (m) Conduct any activity that would aid or assist terrorism or related activity or would endanger U.S. military personnel.

The Company has no obligation to observe and monitor the Site. However, the Company reserves the right to review materials posted and to remove any material/s. The Company also reserves the right to terminate your access to any or all of the Site at any time, without notice, for any reason whatsoever.

The Company reserves the right subject to attorney-client privilege to the extent applicable and to the extent the same is not waived through these provisions, at all times to divulge any information as it considers necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part. These would be more applicable to the publicly accessible areas of the Site that are intended to be available to the general public.

 “The User” understands and agrees that technical processing of tools of communication is (and may be) required to send and receive messages, to correspond/conform to the technical requirements of connecting networks, to correspond/conform to the limitations of the Site or to correspond/conform to other, similar technical requirements.

USER DATA; CONSENT TO CONTACT

In the course of your use of the Site, you may be asked to provide information or materials to us (“User Data”). User Data includes, for example, information you submit to us via your request for insurance quotes. Our information collection and use practices with respect to User Data are set forth in our Privacy Policy which is incorporated herein by reference for all purposes. Please read our Privacy Policy before submitting any User Data. You acknowledge and agree that you are solely responsible for the accuracy and content of the User Data. We cannot be responsible for maintaining any User Data that you provide to us, and we may delete or destroy any such User Data at any time. We reserve the right to refuse to post or to remove any User Data, in whole or in part, that, in our sole discretion, is unlawful, unacceptable, undesirable, inappropriate or in violation of these Terms of Service.

By providing your contact information to us through the Site, you are registering to receive communications from us directly, on our website or through a third party. We will periodically send you newsletters and other e-mails with offers and promotions. We may also contact you by telephone using an automated dialing system along with a pre-recorded message or interactive voice response system as well as SMS messaging. If you no longer wish to receive these communications, please let us know by sending an email to [email protected]. You may also opt-out by clicking on the unsubscribe link in our emails.

EXCLUSIVE OWNERSHIP OF RIGHTS

The Site and any necessary software used in connection with the Site contain proprietary and confidential information that is protected by intellectual property laws in applicable jurisdictions. You acknowledge and agree that information and materials presented through the Site is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly permitted by applicable law or as authorized by us, you agree not to modify, sell, distribute, transmit, broadcast, publicly perform or create derivative works based on the Site, in whole or in part. Any commercial use of the Site, or any portion thereof, by you is strictly prohibited.

Health Choice, LLC grants you a personal, non-transferable and non-exclusive right and license to use the Site on a computer or other Internet device; provided that you do not (and do not allow any third party to) copy, reproduce, distribute, reverse engineer or otherwise exploit any content, code, data or materials on the Site. You agree not to modify the Site in any manner or form, nor to use modified versions of the Site for any purpose. We do not grant any license or other authorization to any user to use our trade names, trademarks, service marks or other marks or logos or those of our Partners without our separate express written agreement. Third party marks are the property of their respective owners. Any questions, comments, suggestions, or materials submitted to us through the Site will become our sole property. We will own all rights in such materials, and have the unrestricted right to use, publish and otherwise disseminate such information for any purpose, without attribution or compensation.

DISCLAIMER OF WARRANTIES

The information and services on this Site are provided “as is” and for informational purposes only. We make no representations or warranties that the Site will be suitable for your needs, is complete, timely, reliable, or free from errors, inaccuracies or typographical mistakes. We disclaim all warranties, express or implied, including warranties of merchantability or fitness for a particular purpose or non-infringement of the rights of others. We do not warrant that the Site will be free of errors or viruses, worms or other destructive or harmful code.

LIMITATION OF LIABILITY

IN NO EVENT SHALL HEALTH CHOICE , LLC, ANY OF OUR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS (COLLECTIVELY, THE “PROTECTED ENTITIES”) BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE SITE AND THE SERVICES OFFERED HEREBY, OR THE CONTENT, MATERIALS AND FUNCTIONS RELATED THERETO, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, OR OTHERWISE) EXCEED FIVE DOLLARS ($5.00). THE ABOVE LIMITATION MAY NOT APPLY IN ALL JURISDICTIONS OR TO ALL USERS. IF YOU ARE NOT IN AGREEMENT WITH THE FOREGOING, YOUR SOLE REMEDY IS TO TERMINATE THIS AGREEMENT AND DISCONTINUE USE OF THE SITE.

LINKS FROM OUR SITE

We accept advertising from and provide links to other sites for informational purposes only. We have no responsibility for the accuracy or availability of information provided by other sites to which you may link from the Site. The availability of these links does not constitute an endorsement of or association with such sites or the content, products, advertising or other materials presented on such sites. You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any content, goods or services available on such sites.  You further acknowledge that we have no control over, and we assume no responsibility for, the content, privacy policies, or practices of any third party sites and third party content contained on the Site, to which the Site is linked, or on which Site Content is posted. We do not charge users for use of the Site. 

UPDATES

These Terms of Service are subject to change from time to time and at any time, and such changes will be effective upon posting to the Site. Use of the Site following any modifications to the Terms of Service signifies your acceptance of such modifications.

APPLICABLE LAWS

The Site and these Terms of Service are governed by the laws of the State of Texas without giving effect to any principles of conflict of laws. If any provision of these Terms of Service shall be held to be invalid, illegal or unenforceable, the remaining provisions shall not in any way be affected or impaired thereby. Any dispute arising from your use of this Site shall be brought exclusively in the appropriate state or federal courts of the State of Texas. Persons who choose to access this Site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable. Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Site or the Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred.

Disclosures

We are not a government or Federal agency; we are a marketing firm and our purpose is to connect consumers with licensed Insurance Agents in your area who can help research the best, most affordable policies available based on geographic location, qualifications as well as a variety of other criteria. 

Health Choice, LLC and its subsidiaries are compensated by the third party companies who hire us to provide interested consumers to review available policy options.

If you feel that we are not abiding by this privacy policy, you should contact us immediately.