Updated March 25, 2020
You also agree that HealthGuys or any owned entities may (1) call and text you regarding our services, and (2) monitor and record any telephone calls made or received by us for HealthGuys business purposes.
HealthGuys and entities provides a service where consumers and businesses can research and shop for various insurance and related products. HealthGuys and entities are not an insurance company.
You must be at least 18 years of age to use the services provided by this company. By agreeing to these Terms, you represent that you are at least 18 years of age and your use of the services follow all applicable laws and regulations. If you are using the services on behalf of an entity, organization, or company, you represent that you have the authorization to bind that organization to these Terms and conditions and you agree to be bound by these Terms and conditions individually as well as on behalf of the organization you are representing.
By using our services, you agree that you will NOT:
- use the services for illegal purposes or in violation of local, state, national, or international law.
- violate, or encourage others to violate, the rights of a third party.
- interfere with security-related features of the services, including disabling or circumventing features that prevent or limit use or copying of any content
- attempt to reverse engineering or otherwise attempting to discover the source code of any portion of the services except to the extent that the activity is expressly permitted by applicable law.
- perform any fraudulent activity including impersonating a person or entity, claiming a false affiliation, or falsifying your age or date of birth.
- use data mining, robots, or other data gathering devices on or through the services.
HealthGuys or entities may provide tools through the services that enable you to export information to third party services. By using any of these tools, you agree that we may transfer that information to the applicable third-party. We are not responsible for any third-party service’s use of your exported information.
Termination of Use; Discontinuation and Modification of the Service
You may terminate your account at any time by discontinuing your use of our services, cancelling your policy, or opting out of receiving communications. If you violate any provision of these Terms, your permission from us to use the services will terminate automatically. We also reserve the right to modify or discontinue the services at any time, temporarily or permanently, without notice to you if a violation occurs. You agree we will have no liability due of any change to the services or any suspension or termination of your access to or use of the services.
Additional Terms Your use of the services is subject to all additional terms, policies, rules, or guidelines applicable to the service that we may post on or link to. All Additional Terms are incorporated by this reference into, and made a part of, these Terms.
Modification of these Terms
HealthGuys and entities reserves the right to change these Terms at any time for any reason. Checking the Terms periodically for changes is advised. Any use of the services after the Terms are modified constitutes your acceptance of the modified Terms. Disputes that come up under these Terms will be resolved in accordance with the version of the Terms that was in effect at the time the issue arose.
Ownership; Proprietary Rights
The services are owned by HealthGuys. This ownership includes visual interfaces, graphics, design, compilation, information, data, computer code including source code, products, software, services, and all other elements of the services. These are referred to as materials and are provided by HealthGuys. These materials are protected by intellectual property and other laws. All Materials are the property of HealthGuys or our third-party licensors. Except as authorized and intended by us, you may not use the Materials. HealthGuys reserves all rights to the Materials.
Disclaimers; No Warranties
ALL services, materials, and content are provided “AS IS” on an “AS AVAILABLE” basis, without warranty of any sort. HealthGuys and any entity disclaim all warranties expressed or implied, relating to services, materials, and/or content and arising through the course of conducting business to the fullest extent of the law. Further, HealthGuys and entities do not warrant that the services or any portion therein will go uninterrupted, be secure, free of errors or harmful components, and do not warrant that any of these issues can or will be corrected.
Absolutely no advice or information obtained orally or in writing and obtained in any manner available through the services or otherwise will create or constitute a Warranty regarding Health Reform Team or entities unless expressed Explicitly in these Terms. You assume all risks of damage that may result in use or access of the services, content, and/or materials to the fullest extent of the law. You agree that you use, access, download or otherwise obtain materials, content, and information involving the services, at your own discretion and risk. You agree that, to the fullest extent of the law, you are solely responsible for any damage to your property, or the loss of data that results from use of our services, content, or materials.
Limitation of Liability
There is no event where HealthGuys or entities will be liable to you for any direct, indirect, incidental, consequential, or punitive damages relating to or arising from access/lack of access or use of our services, materials, or content. To the fullest extent of the law, this applies whether based on warranty, contract, tort, statute, or any other legal theory, and whether HealthGuys is informed or not.
The Materials are for informational purposes only. No Material is intended to be a substitute for professional medical advice, diagnosis, or treatment. You should always seek the advice of your physician or other qualified health provider with any questions you have regarding any medical condition. HealthGuys and any entity does not recommend or endorse any tests, physicians, products, procedures, opinions, insurance coverage or other information that may be mentioned on the services. Reliance on any information provided by us, our employees, or other visitors to the services are at your own risk.
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