Terms of Use

Last updated: [DATE]

⚠️ DRAFT — for attorney review before this site begins selling leads. Bracketed items need business details.

1. Acceptance of Terms

By accessing healthcarequotenow.com (the "Site"), you agree to these Terms of Use and our Privacy Policy. If you do not agree, do not use the Site.

2. What We Do (and Don't Do)

Healthcare Quote Now is a marketing platform operated by [legal entity name]. We connect consumers with licensed insurance agents and insurance companies. We are not an insurance company, and unless expressly stated, we are not acting as a licensed insurance agent or broker. We do not underwrite insurance, make coverage decisions, or guarantee eligibility, rates, or savings. Quotes and plan information come from the licensed third parties we connect you with.

We are not affiliated with or endorsed by the U.S. government, Healthcare.gov, or the federal Medicare program. For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE.

3. Consent to Be Contacted

When you submit a quote request, you agree to the specific consent language presented with that form, authorizing us and the identified partner(s) to contact you by phone, text, and email as described. Revoking consent is described in our Privacy Policy.

4. No Insurance, Legal, Tax, or Medical Advice

Content on this Site is for general information only. Subsidy estimates, plan descriptions, and educational articles are not guarantees and may not reflect current program rules in your state. Confirm details with a licensed agent, the relevant carrier, or official government sources before making decisions.

5. Eligibility and Acceptable Use

You must be at least 18 and located in the United States to submit a quote request.
You agree to provide accurate information and to submit requests only on your own behalf (or with authorization for a household member).
You may not scrape, harvest, or misuse the Site, submit false leads, interfere with Site operation, or use the Site for unlawful purposes.

6. Intellectual Property

The Site and its content are owned by [legal entity name] or its licensors and protected by law. Third-party carrier names are the property of their respective owners and are used for identification; their appearance does not imply endorsement.

7. Disclaimers and Limitation of Liability

THE SITE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, [LEGAL ENTITY NAME] SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR ANY INTERACTION WITH THIRD-PARTY AGENTS OR CARRIERS. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

8. Indemnification

You agree to indemnify [legal entity name] against claims arising from your violation of these Terms or misuse of the Site.

9. Dispute Resolution

[Arbitration clause and class action waiver — attorney to draft. Governing law: State of (---).]

10. Changes and Contact

We may update these Terms; continued use after posting constitutes acceptance. Contact: [legal entity name], [address], [email], [phone].