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Legal notice & state licensing

Welcome to HIIquote.com (referred to herein as the "Website" or "HiiQuote.com"). The website is owned and operated by Health Insurance Innovations, Inc., a Delaware corporation, and its subsidiaries (together "HIIQ"), some of which are licensed insurance agencies as further described in the Licensing section below. HIIQ is a developer and administrator of web-based individual and group health insurance plans and ancillary products. HIIQ is not an insurance company and assumes no underwriting, insurance or claim reimbursement risk. Additionally, HIIQ does not process or manage insurance claims. The insurance products offered by HIIQ are underwritten by insurance companies that are not affiliated with HIIQ and those insurance companies or others on their behalf manage insurance claims under the policies they issue.

This document outlines the terms and conditions of use of the Website and includes relevant information regarding state licensing (this document is referred to herein as these "Terms and Conditions of Use"). The terms "you" and "your" when used in these Terms and Conditions of Use means any visitor or user of the Website.

Conditions of Use

These terms and conditions of use apply to all materials, online communications and other information and materials that are or become available on or through the website (collectively, the "Material"). Please read these terms and conditions of use carefully. By accessing the website you specifically acknowledge that you have read these terms and conditions of use and you specifically agree, without limitation or qualification, to each of the provisions contained herein. These terms and conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.

These terms and conditions of use form a legally binding agreement. If you do not agree to any or all of the provisions found in these terms and conditions of use, please immediately exit the website. We reserve the right to terminate your use of or access to the website or your account at any time for any reason, including, without limitation, if we learn that you have violated these terms and conditions of use.

Disclaimer of Warranties

You expressly agree that use of the website is at your sole risk. The material provided on the website is provided on an "As is" and "As available" basis. To the fullest extent permitted by law, hiiq disclaims 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. HiiQ does 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 (as hereinafter defined).

You understand and agree that any material downloaded or otherwise obtained through the website is done at your own discretion and risk and that you will be solely responsible for any damage to your computer services or loss of data that results from the download of such material.

A "Disabling device" is defined as any software, document, message or other material which contains a computer virus, worm, trojan horse, time-bomb or other harmful device which may erase, scramble, lock or disable computer software or equipment or may prevent users from using a website or any other item of hardware or software.

Should you purchase a product offered by hiiq, the terms and conditions applicable to that transaction will govern such purchase. Your use of the website does not affect that purchase in any manner.

Limitations on Authority

While hiiQ uses reasonable efforts to include accurate and up-to-date information on the website, errors or omissions sometimes occur.

You understand that to the extent permitted under applicable law, under no circumstances shall hiiq, or its officers, employees, directors, managers, parents, subsidiaries, affiliates, agents or licensors, be liable for any direct, indirect, incidental, special, punitive or consequential damages that may result from the use or inability to use this website, or the material, including without limitation, use of or reliance on the material, interruptions, errors, defects, mistakes, omissions, deletion of files, disabling devices, delays in operation or transmission, nondelivery of information, disclosure of communications, or any other failure of performance, damages for loss of revenues, profits, goodwill, use, data or other intangible losses arising out of or related to your use of the website, regardless of whether such damages are based on contract, tort (including negligence and strict liability), warranty, statute or otherwise. If you are dissatisfied with any portion of the website, your sole and exclusive remedy is to discontinue use of the website.

You (and not hiiQ or its parents or affiliates) solely assume the entire cost of all necessary servicing, repair or correction related to any damage, harm, injury or malfunction associated with your use of the website and/or its contents.

Third Party Content

HIIQ may distribute content supplied by third parties on the Website. Any opinions, advice, statement, services, offers, or other information or content expressed or made available by third parties, including information providers or any other user of the Website, are those of the respective author(s) or distributor(s) and not of HIIQ.

Privacy

Information that you provide to us or that we collect about you when visiting the Website will be treated in accordance with our Privacy Policy found at: link to privacy policy.

Legal Jurisdictions Only

The insurance products and services described on the Website are only for persons in those states and jurisdictions where such products and services may legally be sold. Unless otherwise expressly set forth herein, HIIQ makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so at their own initiative and are responsible for compliance with local laws. Some products and services may not be available in all jurisdictions and nothing on the Website shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful.

Access to Password Protected or Secure Areas

Access to and use of password protected or secure areas of this Site are restricted to authorized persons only. Anyone accessing or who attempts to access such areas without authorization may be subject to prosecution.

Ownership of Information

If you send us any creative materials, such as comments, suggestions, ideas, concepts, drawings, pictures, or other materials (collectively, the "Submissions"), you agree that the Submissions shall be deemed, and shall remain, the property of HIIQ. None of the Submissions shall be subject to any obligation of confidentiality on the part of HIIQ, and HIIQ shall not be liable for any use or disclosure of any of the Submissions. Without limitation of the foregoing, HIIQ shall exclusively own all now known or hereafter existing rights to the Submissions of every kind and nature throughout the world and shall be entitled to unrestricted use of the Submissions for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Submissions.

Copyrights and Trademarks

All Material included on the Website, except third party content as referenced above, is the property of HIIQ and is protected by United States and international copyright laws. No portion of the Material on the Website may be reprinted or republished in any form without the express written permission of HIIQ or, with respect to third party content, its respective owner. You may download Material from this Website for your own personal, non-commercial use only, provided you do not modify the Material and keep intact all copyright and other proprietary notices. You may not further distribute or display such Material for any purpose. Without our prior written consent, you may not (a) allow, enable, or otherwise support the transmission of mass unsolicited, commercial advertising or solicitations via e-mail (spam); (b) use any high volume, automated, or electronic means (including without limitation robots, spiders, scripts or other automatic device) to monitor or copy our web pages or the content contained thereon; (c) link or deep-link to the Website for any purpose; or (d) frame the Website, place pop-up windows over its pages, or otherwise affect the display of its pages.

Certain of the names, logos, and other materials displayed on this Website constitute trademarks, tradenames, service marks or logos ("Marks") of HIIQ or third parties. You are not authorized to use any such Marks. Ownership of all such Marks and the goodwill associated therewith, with the exception of the third party Marks, remains with HIIQ and are protected by United States and international trademark laws. Nothing contained on the Website should be construed as granting, by implication or otherwise, any license or right to use any of the Marks displayed on the Website. Your use of the Marks displayed on the Website, or any other content on the Website, except as provided herein, is strictly prohibited. All Marks not owned by HIIQ that appear on the Website are the property of their respective owners.

Existing Insurance Coverage

If you intend to purchase insurance, 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.

Your Account

If you have an account on the Website, you are entirely responsible for maintaining the confidentiality of your account password and for all use of your account username, password, and profile. You agree to accept responsibility for all activities that occur under your account or using your password. Further, by accessing and using the Website and any Software (as defined below), you warrant that you are considered an adult under applicable state law and possess the legal authority to access and use the Website and any Software. HIIQ reserves the right to refuse service, terminate accounts or remove or edit content in its sole discretion.

External Links

The Website may contain links to other websites not owned, maintained or hosted by HIIQ ("External Sites"). Any links to External Sites are provided by HIIQ as a courtesy. If you use any links provided in the website to access external sites, you will leave the website. The external sites are not under the control of hiiq and hiiq is not responsible for the availability of these external sites nor does it endorse or is it responsible for any of the contents, advertising, products or other materials on such external sites. Under no circumstances shall hiiq be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused in connection with the use of or reliance on any content, goods or services available on any such external site.Any concerns regarding any link to an external site should be directed to that respective website, rather than to HIIQ. By including a link to an external site in the Website, HIIQ does not expressly state or imply that it has authorization from the owner of such site to link to it. Should you visit an external site from a link found on the Website, you do so at your own discretion and at your own risk.

Locality

HIIQ manages and controls the Website from its offices located in Florida (United States of America). HIIQ makes no representation that the Information or other materials in the Website are appropriate or available for use in other locations. If you choose to access the Website outside of the state of Florida through your own initiative, to the extent the local laws in the geographic region in which you are located are applicable to your access of and activities on the Website, you are responsible for compliance with such local laws.

General

HIIQ shall have the right at any time to change or discontinue any aspect or feature of the Website, including, but not limited to, content, hours of availability and equipment and/or software required for access or use of the Website or any portion of the Website. HIIQ may also change any of the terms and/or conditions set forth in these Terms and Conditions of Use and any subsequent use of the Website by you constitutes your agreement to such changed terms and/or conditions. If you object to any such changes, your sole and exclusive remedy shall be to discontinue your use of the Website. Any rights not expressly granted herein are reserved to HIIQ.

Miscellaneous

These Terms and Conditions of Use shall be governed by and construed in accordance with the laws of the State of Florida, United States of America, without giving effect to any principles of choice of law or conflicts of law that would require the application of the laws of a jurisdiction other than the State of Florida. Venue for all disputes will be the Federal and State courts located in Tampa, Florida. If any provision of these Terms and Conditions of Use shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms and Conditions of Use and shall not affect the validity and enforceability of any remaining provisions. These Terms and Conditions of Use constitute the entire agreement of the parties with respect to the subject matter hereof, and supersedes all previous written or oral agreements between the parties with respect to such subject matter.

Software License

Any software that is made available for use through the Website or to download from the Website ("Software") is owned or licensed by HIIQ and/or its suppliers and is subject to U.S. and international copyright, trade secret, trademark and other laws protecting intellectual property. Use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software, unless acceptance of a different license agreement is required prior to using and/or downloading the Software (the "License Agreement"). The Software is made available for use and/or downloading solely for use by end users according to the License Agreement. Any reproduction or redistribution of any Software not in accordance with the applicable License Agreement is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the extent permitted by applicable law. Without limiting the foregoing, copying or reproduction of any Software to any other server or location for further reproduction or redistribution is expressly prohibited. The software is warranted, if at all, only according to the terms of the applicable license agreement. Except as warranted in the applicable license agreement, hiiq hereby disclaims all warranties and conditions with regard to the software, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title and noninfringement.

Export Controls

Any Software that is made available for use through the Website, or to download from the Website, is further subject to United States of America export controls. No such Software may be used, downloaded or otherwise exported or reexported (i) into (or to a national or resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria or any other country or region to which the U.S. has embargoed goods and/or services; or (ii) by or to anyone on the U.S. Treasury Department’s list of Specially Designated Nationals or the U.S. Commerce Department’s Table of Deny Orders. By downloading or using the Software, you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or region or on any such list.

Export Controls

Any Software that is made available for use through the Website, or to download from the Website, is further subject to United States of America export controls. No such Software may be used, downloaded or otherwise exported or reexported (i) into (or to a national or resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria or any other country or region to which the U.S. has embargoed goods and/or services; or (ii) by or to anyone on the U.S. Treasury Department’s list of Specially Designated Nationals or the U.S. Commerce Department’s Table of Deny Orders. By downloading or using the Software, you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or region or on any such list.

Indemnification

You agree to indemnify, defend and hold harmless HIIQ, its parents, subsidiaries, affiliates, officers, directors, managers and other partners, employees, consultants and agents, from and against any and all claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys’ fees and court costs) resulting or arising from (1) any information you (or anyone accessing the your account using your password) submit through the Website, (2) your violation of these Terms and Conditions of Use or applicable law, (3) your (or anyone using your account’s) violation of any rights of any other person or entity, or (4) any Disabling Device or other similar harmful or deleterious programming routines input by you into the Website.

Exclusions and Limitations

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations and disclaimers may not apply to you. To the extent that HIIQ may not, as a matter of applicable law, disclaim any implied warranty or limit its liabilities, the scope and duration of such warranty and the extent of our liability shall be the minimum permitted under such applicable law.

Termination

You agree that HIIQ, in its sole discretion, may terminate your access to the Website, Material or Software without prior notice, for any reason, including, without limitation, if we believe that you have violated or acted inconsistently with the letter or spirit of these Terms and Conditions of Use. Further, you agree that hiiq shall not be liable to you or any other party for any termination of your access to the website, material or software. The provisions of these Terms and Conditions of Use titled "Disclaimer of Warranties", "Limitations on Authority", "Third Party Content", "Ownership of Information", "Copyrights and Trademarks", "Your Account", "External Links", "General", "Miscellaneous", "Exclusions and Limitations", "Termination", and "Violations of Terms and Conditions of Use" shall survive any termination of your access to the Website, Material or Software.

Violations of Terms and Conditions of Use

HIIQ reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions of Use, including the right to block access from a particular Internet address to the Website, and irreparable harm will be presumed by any violation of these Terms and Conditions of Use.

Licensing

The Website is made available to you by the following licensed agent(s)/broker(s) in each respective state which require insurance transactions to be conducted through a licensed agent/broker. Each agent/broker is associated with HIIQ with principal places of business listed below.