Millions of People Saving Billions of Dollars®

HealthPocket Terms of Use

Our Mission

We want HealthPocket to be the most useful, trusted place for consumers to make smarter health insurance decisions and save the most money on their out-of-pocket healthcare costs.

Your Agreement

By using our website, you are agreeing to these Terms of Use. You will not use our website for any purpose that is unlawful, illegal or in violation of these Terms of Use. You also agree to our Privacy Policy [link], which covers how we handle your personal information.

From time to time, we may update these Terms of Use. When we do, we will post the date on this page. By continuing to use our site, you are agreeing to the updated Terms of Use.

What We Do

We provide the tools to keep you informed and insurance savvy. We gather information from a variety of data sources including the government, nonprofits, and leading commercial resources, and we use all that data to help you make smarter decisions about healthcare spending.

If you decide you’re interested in applying for a health insurance product, we will match you with one or more licensed agents or an insurer in your area. We are not an insurer, an insurance agency or a medical provider.

Existing Insurance Coverage

If you’ve found a health insurance plan on our site, we are thrilled that we were able to help. However, be Insurance Wise.

DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT.

Content Ownership

We own our website, information concerning us, and our services. This includes, without limitation, text, images, software, graphics, button icons, audio and video clips, digital downloads, data compilations, logos and information that appear on our website or are part of our services. We also own all copyrights, trademarks, service marks, and trade names related to us.

We may present information on behalf of or licensed from a third party. This third-party information is proprietary to its owners.

We welcome your questions, comments and feedback. Please remember that if you submit content to us, then you are legally representing that you have the right to do so. If you do not have permission, do not share information that is confidential or proprietary. By sending us your comments, you are granting us ownership to those materials, even if they include ideas to improve our site. We can share those ideas without your consent, we do not have to pay you for them, and we may already be considering them. If you prefer to retain your rights, please do not submit your material.

If you believe the content on our site violates your copyright, please let us know by following the Copyright Procedure.

How to Use our Site

When you use the HealthPocket website, you must accept the following:

  • You are representing to us that you are 18 years old or legally emancipated with the ability to enter into contracts. And, since our website is intended for a U.S. audience, if you’re visiting our site from another country, you agree that you will have to comply not just with U.S. law, but the laws of that country
  • HealthPocket is an independent customer advocacy website and will not act as an agent, broker, or other representative of a health plan
  • You will use our site for personal, non-commercial use only; you won’t resell our content, services, or copy any of them for commercial purposes without the written approval of HealthPocket
  • HealthPocket does not provide medical advice and is not a substitute for a healthcare professional
  • We always do our best to match your email or phone inquiries to brokers and insurance companies that service your region. You understand and agree that HealthPocket cannot guarantee that these brokers and insurance companies will offer the particular product that interests you.

If we connect you with a partner through our web site or a phone number displayed on our web site, you accept that:

  • HealthPocket makes money when we allow a partner, typically an insurance company or licensed broker, to help you with an insurance inquiry. We ourselves do not sell insurance
  • Our Privacy Policy and Terms of Use govern anything you do on our web site and the partner’s privacy policy and terms of use govern anything you do (e.g. discuss insurance) with a partner
  • We display the telephone number of a partner, and may (at your request) transfer your phone call to a partner, or link to partner’s website; Your contact with that company is done at your own risk. You, not HealthPocket, are responsible for any personal information you provide to another company and we recommend as a general practice that you read a company’s privacy policy prior to sharing personal information
  • Contact information (first name, phone number) entered into HealthPocket’s web site to request assistance with insurance may be shared with one or more partnered companies that shall respond to your request.

Termination

Either of us can end this Agreement at any time. We may terminate your access to our site and services for any reason without prior notice. You can terminate by cancelling your account, unsubscribing to our emails, and stopping your use of our site. We will respect your request. Any provisions of these Terms of Use that would logically apply after termination, such as (but not limited to) Content Ownership and Disputes, will survive.

Disputes

You are our VIP and we hope that we become your go to site for information on health insurance. If a dispute does arise, however, then we each agree that the laws of the State of California, U.S.A., excluding its conflict of laws rules, will govern. If the dispute is not eligible for the JAMS Alternative Dispute Resolution process, then we each agree that the claims can only be litigated in the federal or state courts of Santa Clara County, California and we each agree to these courts’ personal jurisdiction.

Disclaimer of Warranty and Limitation of Liability

The law requires that we set out our disclaimer of warranty and limitation of liability in all caps. This section may be long and look boring, but it’s important. Please read it

YOU EXPRESSLY AGREE THAT USE OF OUR SITE IS AT YOUR SOLE RISK. THE MATERIAL PROVIDED ON THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE, NONINFRINGEMENT, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE WEBSITE, ANY USE OF THE WEBSITE AND ANY WEBSITE TO WHICH THE WEBSITE IS LINKED. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF WE ARE MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. WE DO NOT WARRANT THAT THE MATERIAL ON THE WEBSITE IS COMPLETE OR ACCURATE, THAT USE OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE, OR THAT THIS WEBSITE OR SERVER OR ANY MATERIAL ON THIS WEBSITE IS FREE OF DISABLING DEVICES.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

We want your feedback. Please email us at comments@healthpocket.com

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