Please read these terms carefully before using GetHospitalIndemnity.com.
These Terms and Conditions (“Terms”) govern your access to and use of GetHospitalIndemnity.com, its pages, forms, content, and related services (collectively, the “Site”). By accessing or using the Site, you agree to these Terms, our Privacy Policy, and any consent or disclosure presented when you submit information. If you do not agree, do not use the Site.
The Site is intended for United States residents who are at least 18 years old and are legally able to enter into binding agreements.
The Site provides educational and marketing information concerning hospital indemnity insurance and may allow consumers to request information from licensed insurance agents, agencies, carriers, lead buyers, or other insurance-related providers (“Providers”). With your authorization, information submitted through the Site may be transmitted to one or more Providers so they can respond to your request.
GetHospitalIndemnity.com is not a government agency. Unless expressly stated otherwise, we do not issue insurance policies, bind insurance coverage, determine eligibility, guarantee premiums or benefits, or provide legal, tax, medical, or financial advice. Availability, eligibility, benefits, exclusions, limitations, premiums, and underwriting requirements are determined by the applicable insurer or Provider.
To the extent permitted by applicable law, you and we agree to first attempt in good faith to resolve any dispute arising from the Site or these Terms through informal written notice and discussion. If a dispute cannot be resolved informally, either party may seek resolution through individual binding arbitration administered under applicable consumer arbitration rules, except where a claim qualifies for small claims court or where applicable law provides another non-waivable remedy.
Where enforceable, arbitration will proceed only on an individual basis. You and we waive the right to a jury trial and the right to participate in a class, collective, consolidated, or representative action. This section is intended to be interpreted consistently with the Federal Arbitration Act and applicable law. If a portion of this arbitration provision is found unenforceable, the remaining provisions will continue to apply to the fullest extent permitted.
You may send a written arbitration-related notice through our Contact page. Nothing in this section prevents you from communicating with a federal, state, or local regulatory agency.
We grant you a limited, revocable, non-exclusive, non-transferable right to access and use the Site for personal, lawful, non-commercial purposes related to learning about or requesting information concerning hospital indemnity insurance. All rights not expressly granted are reserved.
Text, graphics, logos, design, software, page layouts, and other Site content may be protected by copyright, trademark, database, or other intellectual-property laws. You may view and use Site content for your personal purposes, but you may not reproduce, republish, sell, license, scrape, distribute, modify, or create derivative works from the Site except as permitted by law or with prior written authorization.
You may not use the Site to submit false or fraudulent requests; impersonate another person; interfere with Site operation or security; introduce malware or harmful code; attempt unauthorized access; use robots, spiders, scrapers, or automated extraction tools in a manner that burdens or copies the Site; violate another person's privacy or intellectual-property rights; or use the Site for any unlawful, deceptive, abusive, defamatory, or harmful purpose.
We may modify, suspend, restrict, or discontinue any part of the Site at any time. We do not guarantee that every feature, page, Provider, product, or service will remain continuously available.
Our collection and handling of personal information is described in our Privacy Policy. By submitting information, you also agree to any disclosures and consents shown at the point of submission.
You are responsible for providing accurate information and for using reasonable care when communicating with any Provider. Providers may independently verify information or request additional information before discussing coverage, pricing, or eligibility.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, GET HOSPITAL INDEMNITY AND ITS OWNERS, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, LOST PROFITS, LOST DATA, LOSS OF USE, OR OTHER SIMILAR LOSSES ARISING FROM OR RELATED TO THE SITE, ANY PROVIDER, OR ANY INSURANCE PRODUCT OR SERVICE.
TO THE EXTENT LIABILITY CANNOT BE EXCLUDED, OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SITE WILL BE LIMITED TO THE GREATER OF THE AMOUNT YOU PAID DIRECTLY TO US FOR USE OF THE SITE DURING THE RELEVANT PERIOD OR $200, EXCEPT WHERE APPLICABLE LAW REQUIRES A DIFFERENT RESULT.
THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM EXPRESS AND IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND SECURITY. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, FREE FROM HARMFUL COMPONENTS, OR THAT ANY INSURANCE PROVIDER WILL CONTACT YOU OR OFFER COVERAGE.
Providers are independent parties. We do not control their conduct, communications, products, pricing, underwriting decisions, or policy administration. To the extent permitted by law, you release us from claims arising solely from your independent dealings with a Provider, except to the extent caused by our own conduct for which liability cannot lawfully be disclaimed.
To the extent permitted by law, you agree to indemnify and hold us harmless from third-party claims, losses, liabilities, and reasonable costs arising from your unlawful use of the Site, your violation of these Terms, or your infringement of another person's rights.
If you believe content on the Site infringes rights you own, contact us with sufficient information to identify the work, the allegedly infringing material, your contact information, and a statement supporting your claim. We may remove or restrict material when appropriate.
Names, logos, slogans, and brand elements displayed on the Site may be trademarks of their respective owners. No license to use any trademark is granted except as expressly authorized.
Your use of the Site does not create an employment, partnership, joint venture, fiduciary, franchise, or agency relationship between you and us. Providers that contact you are independent entities unless specifically disclosed otherwise.
We may provide notices by posting them on the Site, sending them to an email address you supplied, or using another method permitted by law. You may send notices to us through the Contact page.
We may update these Terms from time to time. Updated Terms become effective when posted unless a later date is stated. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms to the extent permitted by law.
The Site may contain links to websites operated by third parties. Links are provided for convenience and do not necessarily constitute endorsement. We are not responsible for third-party content, privacy practices, availability, products, or services.
If any provision of these Terms is determined to be invalid or unenforceable, that provision will be enforced to the maximum extent allowed and the remaining provisions will remain in effect, except where applicable law requires otherwise.
These Terms, together with our Privacy Policy and any disclosures or consents incorporated by reference, constitute the agreement governing your use of the Site and supersede prior understandings concerning that use. Electronic acceptance may have the same legal effect as a handwritten signature where permitted by law.
When you affirmatively select a consent checkbox, click a submission button, or otherwise provide an electronic signature on the Site, you agree that electronic records and signatures may be used in connection with your request. Where permitted by law, notices, disclosures, and other communications may be provided electronically, including by email or through a website page made available to you.
You are responsible for maintaining access to an internet-connected device, a supported browser, and an email account if email delivery is used. You may print or save electronic disclosures for your records.
