Effective Date: February 1, 2016
Our Practices Regarding Privacy
Healthplans.com LLC, through its Healthplans.com website (“Site”) is committed to ensuring the privacy and security of each user that visits our website. Your privacy rights are important to us and we are committed to respecting your online privacy and making sure that any information you share with us by using our website is properly protected.
When you visit our website, we collect personally identifiable information (“PII”) and non-personally identifiable information through various sources. PII means any information that may be used to identify an individual, including but not limited to name, address, and telephone number. Non-PII is data that is not used to specifically identify, contact or locate an individual, including but not limited to zip code, gender, and age.
When you use the Site, we automatically collect certain information from you, such as your browser type (e.g., Internet Explorer, Safari, Chrome); your Internet domain, (e.g., Comcast, Time Warner, etc.); your computer’s operating system, (e.g., Windows, Macintosh, UNIX, Linux); referring and exit page; operating system; the type of mobile device you use (if applicable); your mobile device’s unique device ID; and your IP address. This information lets us see how users find our Site, and it tells us which pages users visit most frequently so we can make our Site more useful. We keep this information for an indefinite amount of time to improve the operation of our Site and to provide better services to our users.
In addition to the data that your browser or Internet session sends us automatically, we may also collect PII if you enter it when using our website. This contact information is stored on our servers and used to fulfill your information request. If you have not opted out of its use, we may share it with our data licensees, including our advertising clients and their vendors, and other advertising partners.
Different advertisers and advertising companies have different methods of following up with you on information requests. Some send brochures in the mail, others reply via email or some may contact you by telephone. By using our service to request information from our advertising clients and advertising partners, you are giving permission to Healthplans.com LLC and these parties (or their partners and vendors) to contact you using the methods of their choice, even if the phone number you provide is in a corporate, state, or national do not call list, now or in the future (unless and until you opt-out from receiving communications from us or such partners, as applicable). You are also providing your express consent to be called or texted (including prerecorded messages or using an autodialer or automated means) at the number you provide.
You may opt out by contacting us by submitting a “Stop contacting me” request on our Contact Us page; calling us at (310) 219-6202; or sending a letter to: Healthplans.com LLC, 2381 Rosecrans Ave., Suite 400, El Segundo, CA 90245.
We do not direct the Site to, nor do we knowingly collect any PII from, any individuals less than thirteen years of age. If you are the parent or guardian and are made aware that a child under the age of 13 has provided us with PII, please contact us.
Under California’s “Shine the Light” law, we provide a method for consumers to “opt-out” of having their information shared with third-parties. Contact us using the methods described in the “Contact Us” section to unsubscribe.
Sending a letter to: Healthplans.com LLC, 2381 Rosecrans Ave., Suite 400, El Segundo, CA 90245
Calling us at (310) 219-6202
Emailing us at: privacy@Healthplans.com
If we need, or are required to, contact you regarding your personal information, we may do so by telephone, email, or mail.
Effective Date: February 1, 2016
Please read these terms and conditions of use before using this site.
BY ACCESSING OR USING ANY PART OF THE SITE, YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THIS AGREEMENT. IF YOU DO NOT AGREE TO BE SO BOUND, DO NOT ACCESS OR USE THE SITE. PLEASE READ THESE TERMS CAREFULLY. THEY CONTAIN A MANDATORY ARBITRATION PROVISION AND CLASS ACTION WAIVER..
Healthplans.com may revise and update these Terms at any time. Your continued usage of the Site will mean you accept those changes.
Use of the Website
By using the Site, you represent to Healthplans.com that 1) you are authorized to enter into this Agreement and you are at least the age of majority in your state or province of residence; (2) you will not use the Site for any purpose or in any manner that violates any law or regulation or that infringes the rights of Healthplans.com or any third party; (3) any information or data provided to Healthplans.com by you will not violate any law or regulation or infringe the rights of Healthplans.com or any third party; (4) all information that you provide to us in connection with the Site (e.g., name, e-mail address, and other information) is true and accurate; and (5) you are authorized and able to fulfill and perform the obligations and meet the conditions of a user as specified herein. This Agreement provides to you a personal, revocable, limited, non-exclusive, royalty-free, non-sublicenseable, non-transferable license to use the Site conditioned on your continued compliance with the Terms of this Agreement. You may print and download materials and information from the Site solely for your personal use, provided that all hard copies contain all copyright and other applicable notices contained in such materials and information. Notwithstanding the foregoing, you may not modify, translate, decompile, create derivative work(s) of, copy, distribute, disassemble, broadcast, transmit, publish, remove or alter any proprietary notices or labels, license, sublicense, transfer, sell, mirror, frame, exploit, rent, lease, private label, grant a security interest in, or otherwise use the Website in any manner not expressly permitted herein. Specifically, and by way of illustration and not limitation, you may not (a) separate and use any graphics, photographs, or other audio, visual, or video elements from the accompanying text or material without the prior express written permission of Healthplans.com and/or its licensor(s); (b) use any “deep link,” “page scrape,” “robot,” “spider,” or other device, program, script, algorithm, or methodology to access, acquire, copy, or monitor any portion of the Site or in any way reproduce or circumvent the navigational structure of the Site to obtain or attempt to obtain any materials, documents, or information through any means not purposely made available through the Site; (c) probe, scan, or test the vulnerability of the Site or any network connected to the Site; (d) use any device, software, or routine to interfere with the proper working of the Site or any transaction conducted on the Site; (e) forge headers, impersonate a person, or otherwise manipulate identifiers in order to disguise your identity or the origin of any message or transmittal you send to Healthplans.com on or through the Site; (f) use the Site to harvest or collect e-mail addresses or other contact information; or (g) use the Site in a manner that could damage, disparage, or otherwise negatively impact Healthplans.com. The licenses granted by Healthplans.com terminate if you do not comply with these Terms.
The material, images, and text on the Site (“Content”) is protected by copyright under both United States and foreign laws. Title to the Content remains with Healthplans.com or its licensors. Any use of the Content not expressly permitted by these Terms and Conditions is a breach of this Agreement and may violate copyright, trademark, and other laws. Content and features are subject to change or termination without notice in the editorial discretion of Healthplans.com. All rights not expressly granted herein are reserved to Healthplans.com and its licensors. If you violate any of these Terms, your permission to use the Content automatically terminates and you must immediately destroy any copies you have made of any portion of the Content.
Limitation of Liability and Disclaimer of Warranties
The use of the Site and the Content is at your own risk. When using the Site, information will be transmitted over a medium that may be beyond the control and jurisdiction of Healthplans.com and its suppliers. Accordingly, Healthplans.com assumes no liability for or relating to the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Site. The Site and the content are provided on an “as is” and “as available” basis and may include errors, omissions, or other inaccuracies. MOREOVER, Healthplans.com MAY MAKE MODIFICATIONS ANY/OR CHANGES ON THIS SITE OR IN THE MATERIALS AND INFORMATION AVAILABLE ON THIS SITE AT ANY TIME AND FOR ANY REASON. Healthplans.com MAKES NO REPRESENTATIONS, GUARANTEES, OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE SUITABILITY, COMPLETENESS, TIMELINESS, RELIABILITY, LEGALITY, OR ACCURACY OF THE Healthplans.com SERVICES OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS, OR OTHER SERVICES, OR INCLUDED ON OR OTHERWISE MADE AVAILABLE ON THE SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE IS AT YOUR OWN RISK. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, Healthplans.com DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE. Healthplans.com DOES NOT WARRANT THAT THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SITE, Healthplans.com’S SERVERS, OR ELECTRONIC COMMUNICATIONS SENT FROM Healthplans.com ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. Healthplans.com ALSO MAKES NO REPRESENTATION, GUARANTEE, OR WARRANTY THAT THIS WEBSITE WILL OPERATE ERROR FREE OR IN AN UNINTERRUPTED FASHION.
To the maximum extent permitted by law, in no event shall Healthplans.com, its licensors, its suppliers, or any third parties mentioned on the Site be liable for any damages (including, without limitation, indirect, punitive, special, incidental, or consequential damages, personal injury/wrongful death, lost profits, or damages resulting from lost data or business interruption) resulting from the use of or inability to use the Site or the Content, the delay or inability to use the Site, or from any information, Content, materials, or Healthplans.com services included on or otherwise made available to you through the Site, whether based in contract, tort, strict liability, or otherwise, and whether or not Healthplans.com, its licensors, its suppliers, or any third parties mentioned on the Site have been advised of the possibility of such damages. Healthplans.com, its licensors, its suppliers, or any third parties mentioned on the Site shall be liable only to the extent of actual damages incurred by you, not to exceed U.S. $100. Any claims arising in connection with your use of the Site or any Content must be brought within one (1) year of the date of the event giving rise to such action occurred.
You agree that you will not upload or transmit any communications or content of any type to the Site that infringe or violate any rights of any party. By submitting communications or content to the Site, you agree that such submission is non-confidential for all purposes. If you make any submission to the Site or if you submit any business information, idea, concept or invention to Healthplans.com by email, you automatically grant-or warrant that the owner of such content or intellectual property has expressly granted Healthplans.com a royalty-free, perpetual, irrevocable, sublicensable world-wide nonexclusive license to use, reproduce, create derivative works from, modify, publish, edit, translate, distribute, perform, and display the communication or content in any media or medium, or any form, format, or forum now known or hereafter developed. If you wish to keep any business information, ideas, concepts or inventions private or proprietary, do not submit them to the Site or to Healthplans.com by email.
Advertisements, Searches, and Links to Other Sites
Healthplans.com may provide links to third-party websites. Healthplans.com also may select certain websites as priority responses to search terms you enter and Healthplans.com may agree to allow advertisers to respond to certain search terms with advertisements or sponsored content. Healthplans.com does not endorse the content on any third-party websites. Healthplans.com is not responsible for the content of linked third-party sites, sites framed within the Site, third-party websites provided as search results, or third-party advertisements, and does not make any representations regarding their content or accuracy. Your use of third-party websites is at your own risk and subject to the terms and conditions of use and privacy policies for such websites.
When you use the Site, or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on or through the Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
We reserve the right at any time to modify or discontinue the Site (or any part or content thereof) without notice at any time. Healthplans.com may add, modify, or delete any aspect, program, or feature of the Site. We shall not be liable to you or to any third party for any modification, suspension, or discontinuance of the Site.
These Terms are governed by the laws of the State of California, without respect to its conflict of laws principles.
All disputes arising out of or relating to any purchase you make with via this Site, any information you provide via the Site, these Terms (including the formation, performance or alleged breach), and your use of the Site will be exclusively resolved under confidential binding arbitration in accordance with the Rules of the American Arbitration Association (“AAA”), including the AAA’s Supplementary Procedures for Consumer-Related Disputes (collectively, the “AAA Rules”) then in effect at the time of the dispute. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879. If you initiate arbitration, Healthplans.com will promptly reimburse you for any standard filing fee which may have been required under AAA Rules once you have notified Healthplans.com in writing and provided a copy of the arbitration proceedings. However, if Healthplans.com is the prevailing party in the arbitration, applicable law may allow the arbitrator to award attorneys’ fees and costs to Healthplans.com. If for any reason the AAA is unavailable, the parties shall mutually select another arbitration forum. The arbitration will be conducted in the city of Los Angeles, California, but may proceed telephonically if the claimant so chooses.
The arbitrator’s award will be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under these Terms may be joined to an arbitration involving any other party subject to these Terms, whether through class arbitration proceedings or otherwise. Notwithstanding the foregoing, we will have the right to seek injunctive or other equitable relief in state or federal court located to enforce these Terms or prevent an infringement of a third party’s rights. In the event equitable relief is sought, each party hereby irrevocably submits to the personal jurisdiction of such court.
WAIVER OF CLASS ACTION RIGHTS
ANY DISPUTES ARISING OUT OF OR RELATING TO YOUR USE OF THIS SITE, ANY INFORMATION YOU PROVIDE VIA THE SITE, THESE TERMS (INCLUDING THEIR FORMATION, PERFORMANCE OR ALLEGED BREACH), AND YOUR USE OF THE SITE SHALL BE SUBMITTED INDIVIDUALLY BY YOU, AND SHALL NOT BE SUBJECT TO ANY CLASS ACTION OR REPRESENTATIVE STATUS. BY ENTERING INTO THIS AGREEMENT, YOU HEREBY IRREVOCABLY WAIVE ANY RIGHT YOU MAY HAVE TO JOIN CLAIMS WITH THOSE OF OTHERS or participate as a member of a class of claimants with respect to any claim submitted to arbitration. The parties to this arbitration agreement acknowledge that this class action waiver is material and essential to the arbitration of any disputes between the parties and is nonseverable from the agreement to arbitrate claims. If any portion of this class action waiver is limited, voided, or cannot be enforced, then the parties’ agreement to arbitrate shall be null and void. YOU UNDERSTAND THAT BY AGREEING TO THIS CLASS ACTION WAIVER, YOU MAY ONLY BRING CLAIMS AGAINST Healthplans.com IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION OR REPRESENTATIVE PROCEEDING.
Notice and Take Down Procedures; Copyright Agent
If you believe any materials accessible on or from the Site infringe your copyright, you may request removal of those materials (or access thereto) from this web site by contacting Healthplans.com’s copyright agent (identified below) and providing the following information:
Please send this notice to:
Attn: Healthplans.com Legal
2381 Rosecrans Ave., Suite 400
El Segundo, California 90245
If any provision of this Agreement is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect. No waiver of any of these Terms shall be deemed a further or continuing waiver of such term or condition or any other term or condition.
Thank you for your cooperation. We hope you find the Site helpful and convenient to use! Questions or comments regarding this website, including any reports of non-functioning links, should be submitted through our Contact Us page.
© 2016 Healthplans.com All rights reserved
Healthplans.com provides tools that enable you to confidently select the best possible plan for the best possible price, whatever your needs. Healthplans.com is not affiliated with any federal or state marketplace website, is not a licensed insurance agent or broker, and does not provide actual quotes or sell insurance directly to consumers. You should also not send us (via mail or email) any insurance applications or information you consider sensitive, as these will likely be discarded.
We sell plans that are available on exchanges and additional plans not available on exchanges. There may also be some plans available on exchanges that are not shown on Healthplans.com. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website or go to the Health Insurance Marketplace website at www.HealthCare.gov.