IMPORTANT LEGAL DISCLAIMER: Health Insurance Today is not an insurance company or agency. We are an independent insurance marketplace and lead generation service that connects consumers with licensed insurance agents and carriers. We do not sell, underwrite, or provide insurance coverage directly. All insurance products are subject to underwriting approval and may not be available in all states. We receive compensation from insurance carriers and agents for our marketing and lead generation services.
By accessing and using Health Insurance Today ("the Website"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our Website. These terms constitute a legally binding agreement between you and Health Insurance Today.
Permission is granted to temporarily access and use the Website for personal, non-commercial purposes only. This license does not include any resale or commercial use of the Website or its contents. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, transfer, or sell any information obtained from the Website.
The materials on the Website are provided on an "as is" basis. Health Insurance Today makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. We do not warrant that the Website will be error-free or uninterrupted, or that any defects will be corrected.
In no event shall Health Insurance Today or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on the Website. This includes, but is not limited to, direct, indirect, incidental, special, consequential, or punitive damages, whether in an action of contract, tort, or otherwise, arising out of or in connection with the use or performance of the Website.
We collect information that you provide directly to us, including but not limited to: name, address, phone number, email address, date of birth, social security number, health insurance information, medical history, and other personal information. We also collect information automatically when you visit our Website, including IP address, browser type, device information, and usage data. We may also collect information from third-party sources to verify your identity and prevent fraud.
We use the collected information to: provide and improve our services, communicate with you about insurance options, process your requests, and comply with legal obligations. We share your information with insurance carriers, licensed agents, and other third parties to help you find appropriate coverage. By submitting your information, you consent to receive phone calls, text messages, and emails from Health Insurance Today and our insurance partners about health insurance plans and related products. You understand that your information may be used for marketing purposes and shared with other companies in the insurance industry.
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet is 100% secure. We cannot guarantee the security of any information you transmit to us, and you do so at your own risk. We recommend that you do not send sensitive information via email or through unsecured channels.
You have the right to: access your personal information, correct inaccurate data, request deletion of your data, opt-out of marketing communications, and lodge a complaint with supervisory authorities. However, please note that opting out of marketing communications does not prevent us from sharing your information with insurance carriers and licensed agents for the purpose of providing insurance quotes and services.
By using our Website, you acknowledge and agree that we may share your information with: insurance carriers, licensed insurance agents, marketing partners, data processors, and other third parties who assist us in operating our Website, conducting our business, or servicing you. We may also share your information with companies that provide marketing services on our behalf.
By submitting your information, you expressly consent to receive marketing communications from us and our partners via phone, email, text message, and other electronic means. You understand that these communications may include information about insurance products, services, and special offers. You agree that such communications are not unsolicited and do not violate any applicable laws or regulations.
While you have the right to opt-out of marketing communications, please note that opting out will not prevent us from sharing your information with insurance carriers and licensed agents for the purpose of providing insurance quotes and services. To opt-out of marketing communications, you may contact us at yourhealth@healthinsurancetoday.net or call 1-754-295-3316.
For questions about these Terms of Service and Privacy Policy, please contact us at:
Email: yourhealth@healthinsurancetoday.net
Phone: 1-754-295-3316
We reserve the right to modify these terms at any time. We will notify users of any material changes via email or through the Website. Continued use of the Website after such changes constitutes acceptance of the new terms. We recommend that you review these terms periodically for any changes.
These terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts located in the United States.
If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these terms will otherwise remain in full force and effect. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of any other provision.
Health Insurance Today is not an insurance company or agency. We are an independent insurance marketplace that connects consumers with licensed insurance agents and carriers. We do not guarantee insurance coverage or rates. All insurance products are subject to underwriting approval and may not be available in all states. We are compensated by insurance carriers and agents for our marketing and lead generation services.
We are committed to protecting your health information in accordance with the Health Insurance Portability and Accountability Act (HIPAA). We implement appropriate safeguards to protect your protected health information (PHI) and maintain its confidentiality. However, please note that we are not a covered entity under HIPAA, and our sharing of information with insurance carriers and agents is for marketing and lead generation purposes only.
California residents have specific rights regarding their personal information under the California Consumer Privacy Act (CCPA). These rights include the right to know what personal information is collected, the right to know whether personal information is sold or disclosed, and the right to say no to the sale of personal information. However, please note that our sharing of information with insurance carriers and agents is not considered a "sale" under the CCPA, as it is necessary for providing insurance quotes and services.
We do not track users across third-party websites to provide targeted advertising. We do not respond to Do Not Track (DNT) signals. However, we respect your privacy choices and provide options to opt-out of certain tracking technologies. Please note that opting out of tracking does not prevent us from sharing your information with insurance carriers and agents for the purpose of providing insurance quotes and services.
By submitting your information, you acknowledge that we are a lead generation service that connects consumers with insurance carriers and licensed agents. You understand that your information will be shared with these parties for the purpose of providing insurance quotes and services. You consent to receive communications from these parties about insurance products and services. We may receive compensation for connecting you with insurance carriers and agents.
Our Website may contain links to third-party websites or services. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to read the privacy policies of any third-party sites you visit. We may use third-party services to process payments, analyze data, or provide other services. These services may collect and process your information in accordance with their own privacy policies.
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including providing insurance quotes and services, complying with legal obligations, and resolving disputes. We may also retain your information for marketing purposes unless you opt-out of such communications. We implement appropriate security measures to protect your information during retention.
Our Website is intended for use by residents of the United States. If you are accessing our Website from outside the United States, you consent to the transfer of your information to the United States and its processing in the United States. We make no representation that the Website is appropriate or available for use in other locations.