Health Exchange Rates

Legal Terms and Conditions of Service

The legal terms given here list all of the legitimate uses of healthexchangerates.org, which will hereafter be referred to as "the website". This site has been published for public use, and its publishers will be referred to hereafter as "we" or "the site proprietors". By using the website, you agree to use it in accordance with the terms of this document, which are listed below.

If you have a disagreement with the legal terms set forth in this document, you are prohibited from accessing or using the website in any way. This document is subject to occasional changes that may happen without notice; these changes are made directly to the website. It is your responsibility to read all of the rules contained in this document, and to abide by all of them. If you use this website in combination with a modified form of this document, you agree to follow all rules contained therein.

This website is not for use by minors - it is only to be used by people 18 years of age or older. All site users must be legal US residents.

Site Services Description

Through healthexchangerates.org, we provide a service that allows consumers to get multiple coverage quotes and apply online for health insurance. A network of representatives, agents and brokers, provides both of these services but we do not prevent other providers from inclusion on the site. Our mission is to give our users information that they can use to find the most suitable health insurance offer.

When you give us all of the information necessary to fill out a quote request form, we will make every attempt to connect you with the right discount group, agent, broker or other business.

The website does not offer any "binder" coverage. Healthexchangerates.org does not issue insurance contracts, and we do not endorse specific agents, policies or insurance companies. We do not offer legal, financial or tax advice, and we cannot expressly guarantee that the agents and companies who contact you will be able to offer you coverage.

To that end, we cannot take responsibility for the behavior of insurance agents and representatives, and we are not accountable for their actions. For any company or broker we connect you with, their behavior is covered in their own contract. If you need personalized, case-specific advice, we recommend that you consult an insurance agent or broker in your area.

At our discretion, the site's proprietors have the right to stop, alter or suspend any part of healthexchangerates.org. This express right is not limited to availability times, special features or content. Usage limits can be put into place at any time, and internal access can be wholly or partially limited. This right may be invoked at any time, for any reason, and it can occur without notice being given or penalties being assessed. Users of this site will incur no expenses or fees, and no payment is required at any time.

Proprietary Rights

In the relationship between you and us, all data within the website is covered under the proprietor's ownership. Content controlled by the website's proprietors includes design elements, materials organization, compilation of data, coding, and the overall look of the site. All rights are reserved by the site's proprietor, including proprietary and intellectual property rights. The extension of the rights herein is not confined to the factors previously mentioned.

Your usage of the site does not mean that you own the content, coding, context or materials within, and using it commercially without permission is a form of exploitation. You can access the website through a computer or Internet-capable mobile device. For non-commercial use, you can make single copies of content - otherwise, no duplication is allowed. Distribution is prohibited unless you follow the rules outlined here. Permission for the transmission of site materials is granted on an individual basis, which is very rare.

If the way you use the website differs from the terms we've outlined above, you are in violation of US copyright law, and other crimes can be documented. All appropriate international and state laws will be followed to the fullest extent possible, and any unauthorized usage of the website can leave you criminally liable. License is not given for site users to use our logos, trademarks and brand name, and all other symbols belong to their respective third parties.

User Submissions

During the time you access the website, you may be asked to provide basic information about yourself. Although we may request the data, you enter it of your own free will. User submissions include, but are not limited to, requests for quotes and applications for coverage. This information encompasses all communications done through email and the website.

Our site's privacy policy outlines the way we protect our users' private information, and our data collection practices follow these rules explicitly. We take every measure to preserve our users' confidentiality and privacy, but it is impossible to guarantee the security of data at all times. To that end, you must agree that we do not promise to protect any information you enter, post or share.

Furthermore, you must agree that you are solely responsible for the content of everything you submit. We cannot be held responsible for the upkeep of any submissions we receive, and the information can be deleted at any time. We reserve the right to refuse any user submissions, and we also reserve the right to deem any information illegal or inappropriate. We do not allow appeals, and all of our decisions are final. A user who resubmits a previously deleted post may, at our discretion, have his or her membership cancelled.

User Behavior

During your usage of this website, you officially agree not to share, submit or upload any of the following materials: a) items covered by IP or copyright laws, unless given permission by the entity holding the rights, b) anything hateful, abusive, distasteful, untrue, defaming, threatening, violent or explicit, c) anything that keeps others from using the website, d) spyware, malware, Trojans, inaccurate links, spam, false ads and other harmful programs that may damage our servers or another user's computer.

You must also agree that you will not represent yourself as an employee, agent or representative of the company. You cannot sell, offer, distribute or use materials from the site for commercial gain or interests, and you cannot mine the user database or do anything similar that will allow you to conduct spam operations, scams and pyramid schemes. You are prohibited from accessing other devices or computers via the website. By using healthexchangerates.org, you agree that your usage cannot strain, damage or manipulate the site. You also agree not to prohibit others from using the website, and you cannot access information that wasn't intended for public viewing. By attempting to gain unauthorized access to such data, your membership will be terminated. If we deem your activities on our website to be a form of hacking, we will prosecute you to the fullest extent of the law.

Every entity connected to the site proprietor is to be protected and defended by you. By using the site, you agree to waive all legal claims against agents, officers, workers, operators and associates, holding them harmless against all liabilities, expenses and claims. If you try to sue an agent, it will be treated as a breach of contract. If you misuse this website, you will be responsible for all attorney fees and legal expenses incurred. If a problem arises from your use of the site to transmit harmful material, you have breached your contract.

Warranty Disclaimers

This site, healthexchangerates.org, is provided to you on an "as is" basis. It comes with no limitations as to materials, tools, services and capacities, and there is no stated or implied warranty of any kind. All warranties for processing, information, uninterrupted usage, technical and content availability, fitness for certain purposes, helpfulness and usability are hereby disclaimed and disavowed.

No warrant is issued regarding the services provided by this site, or regarding the functions and content stored on the site. Warrants are not given pertaining to interruptions, defects and site errors, and corrections are not warranted under any circumstances. Nothing you transmit to us has the effect of creating a warranty of any kind. This cannot be negated by oral or written agreement, and if you are dissatisfied with the site, your only remedy is to quit using it.

Limitations of Liability

No event arising from indirect or direct use of the site can constitute exemplary charges or punitive damages. Simply put, you cannot sue because of problems arising from your use of this website. These exemptions also apply to inability to use the site, and misuse thereof. Content providers, producers, directors, agents, associates, workers and other entities are also protected from liability.

Site Links

By using the site, you accept the fact that we are not responsible for the accuracy of links contained therein. Linked sites do not signify a relationship between that site and ours. Through your continued usage, you agree not to hold us responsible for losses or damages occurring as a result of the use of the links found on the site. By presenting these links, we do not endorse the products, information and services offered on respective sites, and it is not our responsibility to stay current on those sites' materials. Any inconvenience caused by an incorrectly typed URL is not our fault; you must check all site URLs before connecting. To avoid issues, it is strongly recommended that you use discernment when browsing the Web.

Applicable Laws

This site is run and managed by people and offices based in the United States, and we do not consent to the viewing of our materials from other locations and countries. Anyone that uses this site from a location outside the United States does it of their own free will. Those persons are responsible for remaining compliant with local laws and ordinances. We strongly discourage foreigners' participation on our website; however, we cannot expressly keep outsiders from getting onto our site via the open Internet. Because of that fact, we are required to enforce the minimum liability level, which at this time is zero.