1. Introduction
Welcome to Health Express Direct (“we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of our services, including our website, applications, and any other interactions with us. By using our services, you agree to these Terms in full. If you do not agree, please refrain from using our services.
2. Eligibility
By using our services, you confirm that you are at least 18 years old and have the legal capacity to enter into binding agreements. If you are accessing our services on behalf of an entity, you warrant that you have the authority to bind that entity to these Terms.
3. Services Provided
Health Express Direct specializes in providing ACA, Life, Dental, and Vision insurance brokerage services. We act as an intermediary between you and insurance carriers, offering tailored solutions based on your needs.
4. Privacy and Data Collection
By using our services, you consent to the collection, use, and sharing of your personal data as described in our Privacy Policy. You acknowledge and agree that:
We may collect your personal and health-related information to provide you with accurate insurance options.
We may share your data with insurance carriers, partners, and third-party vendors as necessary to fulfill our services. You provide explicit consent to receive communications from us via email, phone, SMS, or other channels.
5. Consent to Communications
You consent to:
Receiving automated and manual calls, text messages, and emails from Health Express Direct or its partners regarding your inquiries, policy updates, promotional offers, and other related matters.Opting out of promotional communications by following the instructions provided in those communications, while acknowledging that transactional and operational messages cannot be opted out of.
6. Limitation of Liability
To the fullest extent permitted by law: Health Express Direct is not liable for any errors or omissions in the services provided by insurance carriers or third-party vendors.We are not responsible for any losses or damages resulting from reliance on the information or services provided through our platform.Our liability for any claim arising from these Terms shall not exceed the amount you have paid us for services.
7. Indemnification
You agree to indemnify and hold harmless Health Express Direct, its officers, directors, employees, and affiliates from any claims, damages, or losses arising out of your use of our services, your breach of these Terms, or your violation of any applicable laws.
8. Intellectual Property
All content, trademarks, logos, and intellectual property provided through our services are owned or licensed by Health Express Direct. You are granted a limited, non-exclusive, non-transferable license to use our services solely for personal purposes.
9. Prohibited ConductYou agree not to:
Use our services for any unlawful or fraudulent purposes.Distribute harmful or malicious software through our platform.Reverse-engineer, decompile, or tamper with the platform’s functionality.
10. Termination
We reserve the right to suspend or terminate your access to our services at any time without notice if you violate these Terms or engage in any conduct detrimental to our business or reputation.
11. Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the jurisdiction in which Health Express Direct operates. Any disputes arising under these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
12. Amendments
Health Express Direct reserves the right to modify these Terms at any time. Continued use of our services after modifications indicates your acceptance of the revised Terms. Please check this page periodically for updates.
13. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.
14. Entire Agreement
These Terms, along with our Privacy Policy, constitute the entire agreement between you and Health Express Direct concerning your use of our services.
15. Contact Information
For questions or concerns regarding these Terms, please contact us at: Health Express Direct
Email:
[email protected], [email protected]
Phone:
1-877-655-0165