1. Acceptance of the Terms of Service

    Welcome to HealthPlanRadar.com! (a.k.a. "we" or "us" or the "Company"). We are excited to have you as user and member of the community. The following terms and conditions (collectively, these "Terms of Service") apply to your use of www.HealthPlanRadar.com, including any content, functionality and services offered on or via HealthPlanRadar.com (the "Website"). The Terms of Service also include our Privacy Policy that you can review here: Privacy Policy.

    We want to keep our relationship with you as informal as possible, but please read the Terms of Service carefully before you start using HealthPlanRadar.com, because by using the Website you accept and agree to be bound and abide by these Terms of Service. Should you disagree with some of the provisions herein, you can either leave the Website (although we'll be sad to see you go!).

  2. Disclaimer

    Healthplanradar.com is owned and operated by a private company, Amabo LLC, and is not affiliated with the government health insurance marketplace healthcare.gov or state-based marketplaces. Healthplanradar.com is not connected with or endorsed by the United States government or the federal Medicare program. Healthplanradar.com is not an agent or broker per 45 CFR 155 and does not enroll people in health insurance or complete the Exchange eligibility application. We do provide phone numbers or links to third party licensed agents or brokers who are required to comply with government regulations.

    Information and figures shown on Healthplanradar.com are based on publicly available information. We do our best to display accurate and complete information, but information shown should not be considered official and is for research purposes only. In some instances we perform calculations and show estimates. For official government information, please visit Healthcare.gov or Medicare.gov (1-800-MEDICARE). By using Healthplanradar.com you agree to our Terms of Service and Privacy Policy.

  3. Changes to the Terms of Service and the Website

    HealthPlanRadar.com is a work in progress, meaning that a lot will change in the near future. We reserve the right to update the Website and these Terms of Service from time to time, at our discretion. We will make sure to announce any major change in a prominent way. Of course, this document is public on HealthPlanRadar.com, and you will be able to see the changes for any new version. Your continued use of the Website following the publishing of updated Terms of Service means that you accept and agree to the changes.

  4. Health Insurance Plan Information

    Healthplanradar.com displays information of health insurance plans available to the public. Information and figures shown on Healthplanradar.com are based on publicly available information. In some instances we perform calculations and show estimates. We do our best to display accurate information, but information shown should not be considered official and is for research purposes only. Before any enrollment or plan purchase decision, information should be confirmed with a certified web broker, licensed agent, health insurance company, government health insurance marketplace healthcare.gov or state-based marketplaces.

  5. Health Insurance Eligibility Estimates

    At times Healthplanradar.com estimates eligibility for different health insurance coverage options. Our eligibility determinations are estimates only, should not be considered official, and are for research purposes only. You must complete an government application with a certified web broker, licensed agent, or with the government healthcare.gov marketplace or state-based marketplaces, to receive an official eligibility determination.

  6. Links to Third Party Websites and Third Party Phone Numbers

    Healthplanradar.com displays links to and phone numbers of third party certified web brokers or licensed agents which are not owned or operated by HealthPlanRadar.com. These third party certified web brokers and licensed agents must comply with government regulations to be allowed to enroll people in health insurance or complete the Exchange eligibility application. Please see each third party’s website for their compliance information.

  7. Accessing the Website, Security and Privacy

    We are working hard on improving HealthPlanRadar.com, but we can't guarantee that the Website will be up and running 24/7. We also reserve the right to suspend or restrict access to some features to users. In any case, we will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period, nor for any data loss.

    We use SSL encrypted browsing for all logged-in users, but we cannot guarantee that all use will be secure. We also do not guarantee that the Website or any content provided on the Website is error free. We manage your personal data according to our Privacy Policy.

  8. Intellectual Property Rights and Use Guidelines

    The Website and its original content, features and functionality (including look!), are owned by HealthPlanRadar.com and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws. You agree to not copy, modify, create derivative works of, publicly display, publicly perform, republish, any of our copyrighted material.

    For purposes of these Terms of Service, the term “Content” includes, without limitation, information, data, text, photographs, videos, audio clips, written posts and comments, software, scripts, graphics, and interactive features generated, provided, or otherwise made accessible on or through the Website. For the purposes of these Terms of Service, “Content” also includes all User Content (as defined below).

    All Content added, created, uploaded, submitted, distributed, or posted to the Website by users (collectively “User Content”), whether publicly posted or privately transmitted, is the sole responsibility of the person who originated such User Content. You represent that all User Content provided by you is accurate, complete, up-to-date, and in compliance with all applicable laws, rules and regulations. You acknowledge that all Content, including User Content, accessed by you using the Website is at your own risk and you will be solely responsible for any damage or loss to you or any other party resulting therefrom. We do not guarantee that any Content you access on or through the Website is or will continue to be accurate.

    By submitting public User Content through the Website, you hereby do and shall grant us a worldwide, non-exclusive, perpetual, royalty-free, fully paid, sublicensable and transferable license to use, edit, modify, reproduce, distribute, prepare derivative works of, display, perform, and otherwise fully exploit the User Content in connection with the Website and our (and our successors’ and assigns’) businesses, including without limitation for promoting and redistributing part or all of the Website (and derivative works thereof) in any media formats and through any media channels (including, without limitation, third party websites and feeds). You also hereby do and shall grant each user of the Website a non-exclusive, perpetual license to access your User Content through the Website, and to use, edit, modify, reproduce, distribute, prepare derivative works of, display and perform such User Content. For clarity, the foregoing license grants to us and our users does not affect your other ownership or license rights in your User Content, including the right to grant additional licenses to your User Content, unless otherwise agreed in writing. You represent and warrant that you have all rights to grant such licenses to us without infringement or violation of any third party rights, including without limitation, any privacy rights, publicity rights, copyrights, trademarks, contract rights, or any other intellectual property or proprietary rights.

    We do not guarantee that any Content will be made available on the Website. We reserve the right to, but do not have any obligation to, (i) remove, edit or modify any Content in our sole discretion, at any time, without notice to you and for any reason (including, but not limited to, upon receipt of claims or allegations from third parties or authorities relating to such Content or if we are concerned that you may have violated these Terms of Service), or for no reason at all and (ii) to remove or block any Content from the Website.

    You are permitted to use the Website for your personal, non-commercial use, or legitimate business purposes, provided that your activities are lawful and in accordance with these Terms of Service. Prohibited uses include violation of laws and regulations, hacking the Website in any manner, or violating the Content Standards set below. No right, title or interest in or to the Website or any content on the site is transferred to you, and all rights not expressly granted are reserved. Any use of the Website not expressly permitted by these Terms of Service is a breach of these Terms of Service and can lead to account termination.

    The Website may contain Content specifically provided by us, our partners or our users and such Content is protected by copyrights, trademarks, service marks, patents, trade secrets or other proprietary rights and laws. You shall abide by and maintain all copyright notices, information, and restrictions contained in any Content accessed through the Website.

  9. Law and Copyright Infringement

    We assume no liability for any action or inaction regarding transmissions, communications or content provided by any user or third party. In the unlikely event we receive a disclosure request from an authorized party, we reserve the right to disclose user identities when required to do so by the law, including in response to a law enforcement request supported by a valid court order. You waive and hold harmless the Company from any claims resulting from any action taken by the Company during or as a result of its investigations and from any actions taken as a consequence of investigations by either the Company or law enforcement authorities.

    If you believe that any User Content violate your copyright, please follow the procedure set forth by article 512(c) of the DMCA and provide us a written takedown notice including the following information:

    1. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
    2. Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site.
    3. Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material.
    4. Information reasonably sufficient for us to contact you, such as email, address, telephone number.
    5. A statement that you a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
    6. A statement that the information in the notification is accurate, and under penalty of perjury, that you is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

    Please contact us with any notices at [email protected].

  10. Disclaimer of Warranties, Limitations of Liability and Indemnification

    Your use of HealthPlanRadar.com is at your sole risk. The service is provided "as is" and "as available". We disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement. We are not liable for damages, direct or consequential, resulting from your use of the Website, and you agree to defend, indemnify and hold us harmless from any claims, losses, liability costs and expenses (including but not limited to attorney's fees) arising from your violation of any third-party's rights. You acknowledge that you have only a limited, non-exclusive, nontransferable license to use the Website. Because the Website is not error or bug free, you agree that you will use it carefully and avoid using it ways which might result in any loss of your or any third party's property or information.

    The services of HealthPlanRadar.com are owned, operated, and provided by Amabo LLC. If you have any questions about these Terms of Service, please contact us %>.

  11. Reliance on Information Posted

    The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

  12. Third Party Logos

    Healthplanradar.com displays information of health insurance plans available to the public in the individual market (non-group, market). We also display the logos of health insurance companies so that our users can associate the health insurance company offering each plan. Our display of logos follows fair use guidelines. By using Healthplanradar.com, you agree that the health insurance company logos displayed are not owned by Healthplanradar.com for research purposes only and we do not guarantee the accuracy of logos.

  13. Geographic Restrictions

    For now, we provide this Website for use only by persons located in the United States. We make no claims that the Website or any of its content is accessible, appropriate or legal outside of the United States. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

  14. Governing Law and Jurisdiction

    These Terms of Service and any dispute or claim arising out of, or related to them, shall be governed by and construed in accordance with the internal laws of the State of New Jersey without giving effect to any choice or conflict of law provision or rule.

    Any legal suit, action or proceeding arising out of, or related to, these Terms of Service or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of New Jersey.

  15. Waiver and Severability

    Our failure to exercise or enforce any right or provision of the Terms of Service shall not constitute a waiver of such right or provision. The Terms of Service constitutes the entire agreement between you and HealthPlanRadar.com and govern your use of the service, superseding any prior agreements (including, but not limited to, any prior versions of the Terms of Service). If any provision of these Terms of Service is held by a court of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Service will continue in full force and effect.