Terms of Service

Effective Date: January 1, 2025
Last Updated: January 1, 2025

1. Acceptance of Terms

By accessing or using the HealthPointe Advisors website and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

2. Description of Services

HealthPointe Advisors, LLC is an independent insurance agency that provides:

• Health insurance consultation and advisory services
• Assistance with comparing and selecting insurance plans
• Application and enrollment support
• Ongoing customer service and support

We represent multiple insurance carriers and provide unbiased recommendations based on your needs.

3. Eligibility

You must be at least 18 years old to use our services. By using our services, you represent that you meet this age requirement.

4. Account Responsibilities

If you create an account with us:

• You are responsible for maintaining the confidentiality of your account information
• You are responsible for all activities that occur under your account
• You must provide accurate and complete information
• You must notify us immediately of any unauthorized use

5. Insurance Applications

5.1 Accurate Information

You must provide truthful and accurate information when applying for insurance coverage. Misrepresentation may result in denial of claims or policy cancellation.

5.2 No Guarantee of Coverage

We cannot guarantee that any insurance carrier will approve your application or offer you coverage.

5.3 Carrier Terms Control

Your relationship with any insurance carrier is governed by the terms of your insurance policy, not these Terms of Service.

6. SMS and Communication Terms

6.1 SMS Consent

If you opt in to receive SMS messages:

• You consent to receive marketing and promotional texts from HealthPointe Advisors
• Message frequency may vary (up to 3 messages per week)
• Standard message and data rates may apply
• You can opt out at any time by replying STOP
• Consent to receive SMS is not required to use our services

6.2 Communication Compliance

We comply with all applicable regulations including:

• Telephone Consumer Protection Act (TCPA)
• 10DLC (10-Digit Long Code) regulations
• CAN-SPAM Act for email communications

6.3 Do Not Call Registry

By providing your phone number, you authorize us to contact you even if your number is on the National Do Not Call Registry, as permitted by law.

7. Fees and Compensation

7.1 No Direct Fees to You

Our advisory services are provided at no direct cost to you. We are compensated by insurance carriers when you enroll in a plan through our agency.

7.2 Commission Disclosure

We receive commissions from insurance carriers. These commissions do not increase the cost of your insurance coverage.

8. Prohibited Uses

You may not use our services to:

• Provide false or misleading information
• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful code or malware
• Interfere with the proper functioning of our website
• Attempt unauthorized access to our systems

9. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of HealthPointe Advisors or our licensors and is protected by copyright and trademark laws.

10. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of information

11. Limitation of Liability

To the fullest extent permitted by law, HealthPointe Advisors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

12. Indemnification

You agree to indemnify and hold harmless HealthPointe Advisors from any claims, losses, damages, liabilities, and expenses arising from your use of our services or violation of these Terms.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the updated Terms on this page with a new "Last Updated" date.

14. Termination

We reserve the right to terminate or suspend your access to our services at any time, with or without cause or notice, for any reason including violation of these Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

16. Dispute Resolution

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the Terms shall otherwise remain in full force and effect.

18. Entire Agreement

These Terms constitute the entire agreement between you and HealthPointe Advisors regarding your use of our services and supersede all prior agreements and understandings.

19. Contact Information

If you have questions about these Terms of Service, please contact us:

HealthPointe Advisors, LLC
Email: Info@healthpointeadvisors.com
Phone: Available upon request
Website: healthpointeadvisors.com