1. Informational and advisory purpose
The website provides general educational information, plan comparisons, and access to insurance advisory help. It is not a policy, binder, guarantee of coverage, enrollment confirmation, tax or legal advice, or medical advice. Carrier-issued documents and final carrier decisions control.
2. Eligibility, rates, and plan information
Rates, benefits, networks, underwriting requirements, exclusions, limitations, and availability may change and vary by state, age, household, health history, and carrier rules. Estimates are not final quotes. You are responsible for reviewing official documents and confirming provider and prescription participation before enrolling.
3. Intellectual property and limited license
The website’s original text, layout, visual presentation, branding, compilations, summaries, and other original materials are owned by or licensed to Health Bridge Solutions and are protected by applicable intellectual-property laws. Carrier names, brochures, trademarks, and third-party materials remain the property of their respective owners.
You receive a limited, personal, nonexclusive, nontransferable, revocable license to view and use the site solely to evaluate coverage for yourself or your household.
4. Prohibited uses
Except with prior written permission or as allowed by law, you may not:
- Copy, reproduce, republish, sell, license, frame, mirror, or commercially reuse original site content or design.
- Scrape, crawl, harvest, download in bulk, or use automated systems to extract site content or form outputs.
- Use site materials to train, fine-tune, evaluate, or populate an artificial-intelligence system, dataset, competing website, lead-generation system, or commercial product.
- Remove copyright, trademark, attribution, or proprietary notices.
- Reverse engineer, bypass, probe, disrupt, or attempt unauthorized access to the website or its security controls.
- Submit false information, impersonate another person, introduce malicious code, or use the site for unlawful activity.
5. User submissions and contact authorization
You represent that information you submit is accurate and that you are authorized to provide it. When you affirmatively check the call-and-text consent box and submit a quote form, you provide the contact authorization described beside that checkbox. Consent is not a condition of purchase, and you may reply STOP to opt out of texts. Do not submit medical records, Social Security numbers, financial-account numbers, or other unnecessary sensitive information through general website forms.
6. Privacy
Information entered into the website’s quote or contact forms is transmitted to the form-processing provider identified by the form and used to respond to your request and assist with coverage options. Because Health Bridge Solutions is part of the Daniels Health Advisors network, that assistance with your quote request may be provided by licensed advisors in that network.
This website may use analytics tools to understand site usage (for example session statistics, approximate location, browser and device information, and on-site activity). We do not intentionally send names, email addresses, phone numbers, medical information, or other personally identifiable information to analytics providers for advertising profiles.
You can limit cookies through your browser. Applicable privacy rights and consent requirements may vary by location.
7. Third-party services and links
The site links to carrier documents, provider networks, scheduling, form-processing, analytics, and other third-party services. Health Bridge Solutions does not control those services and is not responsible for their content, availability, privacy practices, security, or terms.
8. No warranties
To the fullest extent permitted by law, the site and its content are provided “as is” and “as available,” without warranties of accuracy, completeness, merchantability, fitness for a particular purpose, noninfringement, uninterrupted availability, or freedom from harmful components. Nothing here limits warranties that cannot legally be excluded.
9. Limitation of liability
To the fullest extent permitted by law, Health Bridge Solutions and its representatives will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, lost profits, lost data, coverage decisions, claim outcomes, provider changes, or reliance on website information. Any liability that cannot be excluded is limited to the minimum amount permitted by law.
10. Enforcement, changes, and severability
Unauthorized use may result in suspension of access and pursuit of available legal or equitable remedies. We may update the website and these Terms; the effective date identifies the current version. If a provision is found unenforceable, the remaining provisions continue in effect. These Terms are governed by applicable law.
11. Contact
Questions about these Terms, privacy, or permission to use site materials may be submitted through the quote request page.