If you are looking for information on our Privacy Policy or Site Disclaimer, please refer to those specific pages. Below please see our Site Terms and Conditions.

Site Terms and Conditions of Use  

The following terms and conditions of use (the “Terms and Conditions”) set forth the standard of use of the MyHealthInsuranceAdvisor.org on line website service (the “Service” by the user (“You”).  MyHealthInsuranceAdvisor.org is owned and operated by Consumer Health Insurance Advocate Group.  By using the Service, You accept and agree to the terms and conditions set forth herein.  If you do not agree to the Terms and Conditions, you should not access or otherwise use the Service.  This site and its operating entity (“We”) reserve the right to change the Terms and Conditions at any time without prior notice.  Continued use of the Service following any change to the Terms and Conditions will constitute an acknowledgement and acceptance of the Terms and Conditions and any modifications. 

1.  Description of Service:  The Service provides consumer oriented content regarding the health Insurance industry and its terminology for informational purposes only.  The service does not sell or advocate any specific insurance carrier, Broker, or product, nor does it recommend, support or endorse any particular insurance plan.   The Service enables You to search the site for information and research pertaining to questions You may have.  The Service does maintain a list of local licensed broker/agents that are in good standing with the states within which they operate and have agreed to additional certification process.  The Service allows you to search for a local qualified broker/Agent.  You may choose to provide information about yourself which is used by a local broker/agent (“Insurance Representative”) to assist you in the process of investigating and possibly applying of a health insurance plan or coverage by an insurance carrier with a domicile license to conduct business in the sate with which You reside.  If You use the Service we cannot guarantee that any of the Insurance Representatives to whom we forward your information will actually contact you nor be able to offer you coverage.  We also cannot guarantee the health insurance carrier affiliations of any Insurance Representative who may contact You.  We have no responsibility whatsoever for the conduct of any of the Insurance Representatives.  We encourage you to use the information available in this site to prepare yourself and to keep asking questions until You are satisfied that Your best interest is being served. 

2.  Your Use of Service:  You must be at least 18 years of age to use the Service.  You warrant and agree that, while using the Service, you will not do any of the following: (a) impersonate any person or entity or misrepresent your affiliation with any person or entity; (b) submit false or misleading information; (c) exploit the Service for any commercial purpose; (d) engage in spamming or other similar activity; (e) restrict or inhibit others from using the Service; (f) engage in any conduct that would constitute a criminal offence or give rise to civil liability; (g) upload a virus or other harmful component; (h) attempt to gain unauthorized access to the Service or to other systems through the Service; (i) take any other actions that would damage, overburden, interfere with, or harm the Service or use of the Service by any other party.  You acknowledge and agree that you are solely responsible for the information You submit.  We may destroy or delete the information at anytime and we reserve the right to refuse to post any User information We may deem, in our sole discretion, inappropriate.  

3.                   Disclaimer: The Service is provided on an “as is” and “as available” basis.  To the fullest extent permitted by law, We make no representations or warranties of any kind, expressed or implied, regarding the use of the Service.  We disclaim all warranties regarding the accuracy or reliability of the information provided, including the implied warranties of merchantability and fitness for a particular purpose, and non-infringement.  We do not warrant that the Service will be secure, uninterrupted or error free.  We make no warranty that the service will meet you requirements.  No advice, results, or information, whether oral or written, obtained by you from us or through the Service shall create any warranty not expressly made herein.   

WE MAKE NO WARRANTIES REGARDING THE CARRIER AFFILIATION OF ANY INSURANCE REPRESENTATIVE WHO MAY CONTACT YOU. WE EXPRESSLY DISCLAIM ALL RESPONSIBILITY FOR THE ACTIONS OF ANY INSURANCE REPRESENTATIVE WHO MAY CONTACT YOU THROUGH THIS SERVICE. IF YOU ARE DISSATISFIED WITH THE SERVICE, YOUR SLE REMEDY IS TO DISCONTINUE ITS USE. 

WE ATTEMPT TO PROVIDE ACCURATE INFORMATION REGARDING INSURANCE PRODUCTS AND SERVICES; HOWEVER, WE CAN MAKE NO REPRESENTATION OR WARRANTY AS TO ACCURACY OR RELIABILITY OF ANY INFORMATON. AVALIABILITY OF PRODUCTS AND SERVICES MAY VARY BY STATE AND MAY NOT BE AVAILABLE TO YOU. 

WE MAKE NO REPRESENTATON EXPRESSED OR IMPLIED, OF ANY SPONSORSHIP BY ANY COMPANY MENTIONED ON THIS WEBSITE, OR ANY OTHER RELATIONSHIP WITH ANY SUCH COMPANY. WE MAKE NO REPRESENTATION, EXPRESSED OT IMPLIED, THAT A USER WILL BE ABLE TO OBTAIN AN INSURANCE QUOTE FROM ANY PARTIULAR INSURANCE COMPANY MENTIONED ON THIS SITE. 

4. Limitation of Liability: WE SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, AND IN PARTICULAR, WE SHALL NOT BE LIABLE FOR AN SPECIAL, INDORECT, CONSEQUENCIAL, OR INCIDENTAL DAMAGES, OR ANY DAMAGES FOR LOST PROFITS,LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR REALTED TO THE SERVICE OT THE INFORMATION CONTAINED IN IT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN OF WE HAVE BEEN ADVISED OF THE POSIBILITY OF SUCH DAMAGES.           

5. Indemnification: You agree to indemnify and hold harmless the Service (and its parents, directors, officers, employees, subsidiaries, agents, and affiliates) from any and all claims, liabilities, costs and expenses, including reasonable attorneys’ fees and costs, due to or arising in any way from the use or misuse of you of the Service, your violation of these Terms and Conditions, your violation of any law, or infringement by you of any right of any person or entity. 

6. Proprietary Rights: We retain all rights, title, and interest in and to the Service, including all content, data, materials, code, the look and feel, the design, etc, and retain all intellectual property rights therein.  Third party marks are the property of their respective owners.  Use of the Service by you does not grant to you ownership and any commercial use or exploitation of the Service by you is expressly prohibited.  You may not exploit, copy, distribute, or reproduce any of the Service.  Doing so may be a violation of applicable federal and state laws and may subject you to liability. 

7. Third Party Information and Trademarks: All content provided on this site about third parties (including companies and brokers) is provided for informational purposes only.  Such content is not an endorsement of or a recommendation for any third party.  It does not imply, directly or indirectly, any sponsorship or affiliation with such third parties, and no guarantees regarding the same are made herein.  All third party trademarks are the property of their respective owners.

8.  Links to Third parties:  The Service may include links to other sites on the Internet.  The links do not constitute and endorsement by or an association with the Service.  We are not responsible for the availability, content, or privacy practices of the sites to which we link.  We encourage you to review the privacy policies and terms of use of those sites. 

9. Governing Applicable Law:  These Terms and Conditions are governed by the laws of the State of California.  You agree to the personal and exclusive jurisdiction of the courts in the State of California.  We do not represent that the Service is appropriate, legal, or available for use in other locations. You must assume knowledge of law applicable to you and may not use the Service in violation of any applicable law, regulation or requirement.

10. Assign ability:  We retain the right to assign these Terms and Conditions and all other agreements referenced herein to a third party.

11. Other: If any provision of the Terms and Conditions is found to be invalid or unenforceable, the other provisions shall remain in full force and effect. Further, you agree that for any provision that may be found to be invalid or unenforceable, you shall ask the court to endeavor to give effect to the intent of the provision. These Terms and Conditions constitute the full understanding between you and us.  You agree that any claim by you arising from or related to the Service must be filed within twelve (12) months of your use of the Service, regardless of any statute or law to the contrary. 

12. Digital Millennium Copyright Act Notice: To file a notice of infringement with us, you must provide a written communication. To find out how you can send in your communication, please refer to our notice on DMCA policies.