1. Visiting Website:

By visiting and utilizing the resources here at AffordableHealthQuotes.com you agree to the following terms and conditions of use. If you do not accept all the terms, you may not use the site. The following terms and conditions form a binding agreement between you the visitor and us (“AffordableHealthQuotes.com”)

BY USING AffordableHealthQuotes.com, YOU REPRESENT AND WARRANT THAT YOU ARE a resident of the United States (including its territorial possessions) and at least eighteen (18) years of age to access and use the Website. By accessing, browsing, or using this Website, or any page thereof, through any direct or indirect means, or by using the tools, forms, or services offered in or through the Website, you accept and agree to be legally bound by these Terms of Use and the Agreement. THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE agent ALL CLAIMS, A PROHIBITION OF CLASS AND REPRESENTATIVE ACTIONS AND NON-INDIVIDUALIZED RELIEF, AND CONTAINS DISCLAIMERS OF WARRANTIES AND LIABILITY (Sections 5 and 8). These provisions form an essential basis of our bargain. If you do not agree to these terms and conditions, you are not authorized to access or use the Website and you are to cease accessing or otherwise using the Website. For purposes of this Agreement, “you” or “your” means the person(s) using the Website and/or any tools, forms or services offered in or through the Website. If you are using the Website on behalf of an employer or other entity, you represent and warrant that you have the authority to bind such entity to the Agreement.

AffordableHealthQuotes.com shall have the right at any time to change or discontinue any aspect or feature of the Website and the right to modify the terms and conditions applicable to users of the Website, including these Terms of Use, or any part hereof. Such changes, modifications, additions, or deletions shall be effective immediately upon posting on the Website. When we post changes to these terms of use OR our PRIVACY POLICY, we will revise the “last updated” date at the top of the applicable document. Accordingly, you should periodically check the “last updated” date at the top of each document so that you can familiarize yourself with any changes. Any use by you of the Website or the tools, forms, or services offered in or through the Websites following such posting shall be deemed to constitute acceptance of such changes.

2. Services Provided

AffordableHealthQuotes.com was built to be an online resource for consumers seeking to purchase or educate themselves on the nuances of health plan and/or insurance options.

Our Website provides tools and services to help you find health coverage or quotes for health plans or insurance coverage, which are provided by various third parties (collectively, “Plan Providers”). “Plan Providers” include plan sponsors, insurance companies, health sharing plans, AffordableHealthQuotes.com’s marketing partners, and affiliates or finders working on behalf of any Plan Provider, with whom we may share your information (as described in our Privacy Policy) for the purpose of enabling you to find affordable insurance coverage. You may be able to access these products and services when you complete a request or submit your zip code or other information and either (i) get matched with potential Plan Providers who will respond with quotes or conditional offers for products or services, or (ii) get provided with the name and information about potential Plan Providers who may able to respond with the requested products or services or information about the requested products or services without any quotes or offers. The Plan Providers that can provide you with health plan quotes or conditional offers may not respond with offers until they obtain additional information from you. You may not be matched with the Plan Provider making any specific quote or offer.

Although AffordableHealthQuotes.com may be compensated by its network of Plan Providers when we display advertisements for their products to you and/or when you respond to a quote or offer for insurance or another product from a Plan Provider on our Website, AffordableHealthQuotes.com is not a provider of insurance, is not acting as a Plan Provider or broker, and does not make any decisions in connection with the underwriting or offering of any insurance products. Any compensation from Plan Providers is payment for AffordableHealthQuotes.com’s services, tools, and facilities. Your use of the Website and/or AffordableHealthQuotes.com’s services constitutes your agreement with this compensation arrangement.

AffordableHealthQuotes.com does not endorse or recommend the products of any particular Plan Provider. Nor is AffordableHealthQuotes.com an agent of you or any Plan Provider. Our services are only administrative. You should rely on your own judgment in deciding which available insurance policy or other product, terms and Plan Provider best suits your needs and financial means. The Plan Provider is solely responsible for its products and services, and you agree that AffordableHealthQuotes.com shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such products or services. You understand that Plan Providers may keep your plan request information and any other information provided by AffordableHealthQuotes.com or received by them in the processing of your request, whether or not you are qualified for insurance with them or if you obtain insurance from them. You agree to notify any particular Plan Provider directly if you no longer want to receive communications from them. AffordableHealthQuotes.com is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address provided by you or other technical problems beyond our reasonable control.

The Website and the products and services provided or advertised on the Website may not be available in all states, and the availability of such services and the products offered on the Website may change from to time without notice. Plan Providers may discontinue, suspend or terminate the offering of any insurance or other product in any specific state through the Website at any time, without prior notice.

The information provided by Hoot Hoot Health whether on this website or discussed during any call does not represent a guarantee of coverage or specific payment. All health plans are subject to the terms, conditions, and limitations of the specific policy or plan document issued, including, but not limited to, eligibility, pre-certification, exclusions and limitations, and medical necessity requirements. For further information on a policy and its limitations, you may email us at: info@AffordableHealthQuotes.com.

AffordableHealthQuotes.com does not guarantee acceptance into any particular plan, or program or compliance with any specific terms or conditions with any Plan Provider; plan approval standards are established and maintained solely by individual Plan Providers. Likewise, AffordableHealthQuotes.com does not guarantee that the plan terms or rates offered and made available by Plan Providers are the best terms or lowest rates available in the market. A Plan Provider’s offer may be subject to market conditions, approval, and qualification (including a review of your personal information). The rates and fees actually provided by Plan Providers may be higher or lower depending on your complete profile and other considerations used by Plan Providers, such as your driving record. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a plan commitment or a rate lock-in agreement. Plan Providers may not offer all products as well as not offer products in all states. You might not be matched with the Plan Provider making any specific offer. To help the government fight identity theft, the funding of terrorism, and money laundering activities, and to help attempt to verify your identity, Plan Providers may obtain, verify and record information that identifies each person who applied for or obtain a health plan from them. For example, they may ask for your name, Social Security Number or driver’s license number, address, date of birth, and other important information, that will allow proper identification of you. During the Plan Provider application process, they may also ask to see additional information. AffordableHealthQuotes.com does not charge you a fee for its service in matching you with Plan Providers.

By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing, a request for quotes, or any other submission (“submission”), you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a health plan or another product through AffordableHealthQuotes.com to each of the Plan Providers to whom your request is transmitted.

You agree that by providing your telephone number in any submission within Hoot Hoot Health’s webpages, you are providing your signature expressly consenting to receive calls, emails, postal mail, text messages, and other forms of communication from Plan Providers calls made with an automatic telephone dialing system or prerecorded voice to the wireless or residential telephone number you provided even if you are on a state or federal Do Not Call registry. You acknowledge and understand that your wireless carrier may impose charges for these calls or texts and consent to receive communications is not a condition of purchase. You may revoke your consent at any time.

By including your email in any submission, you are extending an express invitation to each Plan Provider you have been matched with to contact you by email at any email address you provided (in this case, any such email from a Plan Provider will not be considered spam or unauthorized by any local, state or federal law or regulation). For any service, you represent that all of the information you have provided in your submission is true and complete.

By submitting information on a plan request form or similar form, you authorize us to provide such information to Plan Providers in order to help you complete your request. Additionally, by submitting a request for a health plan, you authorize the Plan Providers to verify the accuracy and authenticity of all information supplied by you, both internally and with the assistance of unaffiliated third parties.

To determine which Plan Providers may be matched with you, Plan Providers provide us criteria about the type of plan and the type of customer in which the Plan Provider is interested. AffordableHealthQuotes.com will provide your information to Plan Providers whose criteria match your profile. Where it is discovered that you do not meet certain Plan Providers’ criteria or you do not qualify for their products, you also authorize us to provide your information to other Plan Providers whose criteria match your profile and whose products we feel might be of help in completing your request.

3. Content

AffordableHealthQuotes.com provides the content appearing on the Website solely for your convenience and informational purposes, and such content is not intended as a substitute for professional or financial advice and should not be construed as the provision of professional advice or recommendations. Furthermore, we are not responsible for the accuracy or reliability of any website content, or for expenses, losses, or damages incurred by relying upon the information presented here. This Website and all information it contains are provided “AS IS.”

By accessing or linking to this Website, you assume the risk that the information on this Website may be incomplete, inaccurate, out of date, or may not meet your needs and requirements.

4. Links

AffordableHealthQuotes.com may provide links to other websites and online resources. Because we have no control over such sites and resources, you acknowledge and agree that AffordableHealthQuotes.com is not responsible for the availability or accuracy of such external sites or resources.

5. Plan Providers

In submitting a request to us, via online form, you agree to allow us to refer all the information that you provide in connection with your request to Plan Providers to fulfill said request. You are under no obligation to purchase anything from Plan Providers that we put you in contact with however, we strongly recommend that you perform your own due diligence and research on each potential Plan Provider prior to selecting or entering into any agreement or arrangement with them. In addition, once we refer you to a Plan Provider that can help you, we have no further involvement in, or responsibility for, any transactions that occur between you and said Plan Provider. Your interaction with any Plan Providers accessed through AffordableHealthQuotes.com is at your own risk, and we have no liability with respect to the acts, omissions, errors, representations, warranties, breaches, or negligence of any such Plan Providers or for any expenses, losses or damages resulting from your interactions with the Plan Provider.

6. Prohibited Activity

You agree not to use the Website for illegal, unauthorized, harmful, misleading, fraudulent, or other malicious purposes or to post, disseminate or communicate any unlawful, defamatory, obscene, lewd, excessively violent, harassing, sexually explicit, or otherwise objectionable subject matter or for the transmission of material that contains viruses or other malicious code, or that which infringes or may infringe the intellectual property, privacy or other rights of another.

You agree not to engage in excessive usage of the Website, as determined by AffordableHealthQuotes.com in its sole discretion, including usage that adversely affects the speed, responsiveness, or functionality of the Website or disrupts the availability of the Website for other users.

You agree not to attempt to damage, deny service to, hack, crack, reverse engineer, or otherwise interfere with AffordableHealthQuotes.com in any way.

You agree not to create a database by systematically downloading and storing all or any Website content.

7. Disclaimer of Warranties

The Website is provided “AS IS” and you assume any and all liability for using the Website and its services. AffordableHealthQuotes.com expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance.

8. Limitation of Liability

We (together with our officers, directors, employees, representatives, affiliates, and providers) will not be responsible or liable for (a) any damages to or viruses that may infect your computer equipment or other property as the result of your access to the Website, your downloading of any Website Content or (b) any injury, death, loss, claim, act of God, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with: (i) any use of the Website or the Website Content; (ii) any failure or delay (including without limitation the use of or inability to use any component of this Website); or (iii) the performance or non-performance by us or any provider, even if we have been advised of the possibility of damages to such parties or any other party. Some states do not allow the limitation of liability, so the limitations above may not apply to you.

9. Agreement to Arbitrate

You and we each agree that any and all disputes or claims that relate to or arise from your use of or access to our Services, or any plans, products, or services sold, offered, or purchased through our Services shall be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court, if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate section (this “Agreement to Arbitrate”).

a. Prohibition of Class and Representative Actions and Non-Individualized Relief

You and we agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding, including but not limited to actions under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq. Unless both you and us agree otherwise, the arbitrator may not consolidate or join more than one person’s or party’s claims, and may not otherwise preside over any form if a consolidated, representative, or class proceeding. The arbitrator may award relief, including monetary, injunctive, and declaratory relief, only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual claim(s). Any relief awarded cannot affect our other users.

b. Arbitration Procedures

The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute arising out of or relating to the interpretation, applicability, enforceability, or formation of this Agreement to Arbitrate, any part of it, or of this Agreement including, but not limited to, any claim that all or any part of the Agreement to Arbitrate or this Agreement is void or voidable.

The arbitration will be conducted by the American Arbitration Association (“AAA”) under its rules and procedures, including the AAA’s Supplementary Procedures for Consumer-Related Disputes (as applicable), as modified by this Agreement to Arbitrate. The AAA’s rules and a form for initiating arbitration proceedings is available on the AAA’s site at http://www.adr.org.

The arbitration shall be held in the county in which you reside or at another mutually agreed location. If the value of the relief sought is $10,000 or less, you or we may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and us subject to the arbitrator’s discretion to require an in-person hearing, if the circumstances warrant. Attendance at an in-person hearing may be made by telephone by you and/or us, unless the arbitrator requires otherwise.

The arbitrator will decide the substance of all claims in accordance with the laws of the State of Texas, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator shall not be bound by rulings in prior arbitrations involving our other users, but is bound by rulings in prior arbitrations involving the same user to the extent required by applicable law. The arbitrator’s award shall be final and binding and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

This arbitration provision shall survive termination of this Agreement to Arbitrate and the closing of your Account or your use of or access to our Services, or any products or services sold, offered, or purchased through our Services.

c. Costs of Arbitration

Payment of all filing, administration and arbitrator fees will be governed by the AAA’s rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, we will pay all filing, administration, and arbitrator fees associated with the arbitration. Any request for payment of fees by us should be submitted by mail to the AAA along with your Demand for Arbitration and we will make arrangements to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, we will pay as much of the filing, administration, and arbitrator fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. In the event the arbitrator determines the claim(s) you assert in the arbitration to be frivolous, you agree to reimburse us for all fees associated with the arbitration paid by us on your behalf, which you otherwise would be obligated to pay under the AAA’s rules.

d. Confidentiality

The arbitration proceedings and arbitration award shall be maintained by the parties as strictly confidential, except as is otherwise required by court order or as is necessary to confirm, vacate or enforce the award and for disclosure in confidence to the parties’ respective attorneys, tax advisors, and senior management and to family members of a party who is an individual.

f. Severability

With the exception of any of the provisions of this Agreement to Arbitrate (“Prohibition of Class and Representative Actions and Non-Individualized Relief”), if an arbitrator or court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If an arbitrator or court decides that any of the provisions in Section 1 of this Agreement to Arbitrate (“Prohibition of Class and Representative Actions and Non-Individualized Relief”) is invalid or unenforceable, then the entirety of this Agreement to Arbitrate shall be null and void. The remainder of the Agreement and its Legal Disputes Section will continue to apply.

10. Indemnification

You agree to indemnify, defend, and hold harmless AffordableHealthQuotes.com, its affiliates, and their respective present, former and future officers, directors, employees and agents, and their respective heirs, legal representatives, successors, and assigns from and against any claim, demand, loss, damage, cost, or liability.

11. Governing Law

This Agreement shall be governed by the laws of the State of Texas and the venue for any court proceeding shall be in Dallas County, Texas. However, the proper venue for any arbitration only shall be in Broward County, Florida.

12. Privacy Policy

for AffordableHealthQuotes.com’s policies as they relate to customer privacy, please review our privacy policy.

13. Miscellaneous

Nothing contained in these Terms will be deemed to constitute either party as the agent or representative of the other party, or both parties as joint venturers or partners for any purpose. You may not assign, delegate or transfer your rights or obligations under these Terms. We may assign our rights and duties under these Terms without such assignment being considered a change to the Terms and without notice to you. We may modify these Terms, at any time, by posting notice thereof on the Website.
You acknowledge that you have read and understood these Terms and that these Terms have the same force and effect as a signed agreement.