Terms and Conditions
By visiting and utilizing the resources here at HealthPlanOptionsToday/Garland Financial Group you agree to the following terms and conditions of use. If you do not accept all these terms, you may not use the site. The following terms and conditions form a binding agreement between you as the visitor to this site and us (“https://www.HealthPlanOptionsToday.com”).
BY USING HealthPlanOptionsToday.com, YOU REPRESENT AND WARRANT THAT YOU ARE EITHER: (A) OF LEGAL AGE TO ENTER INTO THIS AGREEMENT AND YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT, OR (B) THE PARENT OR LEGAL GUARDIAN OF A CHILD UNDER THE LEGAL AGE TO ENTER INTO THIS AGREEMENT AND YOU AGREE TO BE BOUND BY THIS AGREEMENT ON BEHALF OF YOUR CHILD. If you are the parent or legal guardian of a child under the legal age necessary to enter into this Agreement, then, as used in this Agreement, “you,” “yourself,” “your,” and “user” means and refers to you on behalf of yourself and your child who is the user of the Website.
HealthPlanOptionsToday/Garland Financial Group was built to be an online resource for consumers seeking to purchase or educate themselves on the nuances of the health insurance marketplace. We provide search, comparison, and other tools to help consumers make smarter choices about their purchase decision and utilization.
We gather information from a variety of data sources including the government, nonprofit, and leading commercial resources. You agree that HealthPlanOptionsToday/Garland Financial Group is not responsible for the accuracy, timeliness, or completeness of any information it may display or provide.
While HealthPlanOptionsToday/Garland Financial Group provides the opportunity to receive quotes and/or offers from our network of service providers, we are not a health insurer or agency and do not provide any of the products or services advertised here, nor do we endorse or recommend any companies or specific types of insurance policies. We may provide visitors with the opportunity to submit requests for information on a variety of products and services offered by certain service providers.
HealthPlanOptionsToday/Garland Financial Group provides the content appearing on the Website solely for your convenience and informational purposes, and such content is not intended as a substitute for professional or financial advice and should not be construed as the provision of professional advice or recommendations. Furthermore, we are not responsible for the accuracy or reliability of any website content, or for expenses, losses, or damages incurred by relying upon the information presented here. This Website and all information it contains is provided “AS IS.”
By accessing or linking to this Website, you assume the risk that the information on this Website may be incomplete, inaccurate, out of date, or may not meet your needs and requirements.
HealthPlanOptionsToday/Garland Financial Group may provide links to other websites and online resources. Because we have no control over such sites and resources, you acknowledge and agree that HealthPlanOptionsToday/Garland Financial Group is not responsible for the availability or accuracy of such external sites or resources.
In submitting a request to us, via online form, you agree to allow us to refer all the information that you provide in connection with your request to service providers to fulfill said request. You are under no obligation to purchase anything from service providers that we put you in contact with however, we strongly recommend that you perform your own due diligence and research on each potential service provider prior to selecting or entering into any agreement or arrangement with them. In addition, once we refer you to a service provider that can help you, we have no further involvement in, or responsibility for, any transactions that occur between you and a service provider. Your interaction with any service provider accessed through HealthPlanOptionsToday/Garland Financial Group is at your own risk, and we have no liability with respect to the acts, omissions, errors, representations, warranties, breaches, or negligence of any such service providers or for any expenses, losses or damages resulting from your interactions with the service providers.
You agree not to use the Website for illegal, unauthorized, harmful, misleading, fraudulent, or other malicious purposes or to post, disseminate or communicate any unlawful, defamatory, obscene, lewd, excessively violent, harassing, sexually explicit, or otherwise objectionable subject matter or for the transmission of material that contains viruses or other malicious code, or that which infringes or may infringe the intellectual property, privacy or other rights of another.
You agree not to engage in excessive usage of the Website, as determined by HealthPlanOptionsToday/Garland Financial Group in its sole discretion, including usage that adversely affects the speed, responsiveness, or functionality of the Website or disrupts the availability of the Website for other users.
You agree not to attempt to damage, deny service to, hack, crack, reverse engineer, or otherwise interfere with HealthPlanOptionsToday/Garland Financial Group in any way.
You agree not to create a database by systematically downloading and storing all or any Website content.
Disclaimer of Warranties
The Website is provided “AS IS” and you assume any and all liability for using the Website and its services. HealthPlanOptionsToday/Garland Financial Group expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance.
Limitation of Liability
We (together with our officers, directors, employees, representatives, affiliates, and providers) will not be responsible or liable for (a) any damages to or viruses that may infect your computer equipment or other property as the result of your access to the Website, your downloading of any Website Content or (b) any injury, death, loss, claim, act of God, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arises out of or is in any way connected with: (i) any use of the Website or the Website Content; (ii) any failure or delay (including without limitation the use of or inability to use any component of this Website); or (iii) the performance or non-performance by us or any provider, even if we have been advised of the possibility of damages to such parties or any other party. Some states do not allow the limitation of liability, so the limitations above may not apply to you.
You agree to indemnify, defend, and hold harmless Health1nsurance.com, its affiliates, and their respective present, former and future officers, directors, employees, and agents, and their respective heirs, legal representatives, successors, and assigns from and against any claim, demand, loss, damage, cost, or liability.
This Agreement shall be governed by the laws of the State of Florida.
Nothing contained in these Terms will be deemed to constitute either party as the agent or representative of the other party, or both parties as joint venturers or partners for any purpose. You may not assign, delegate or transfer your rights or obligations under these Terms. We may assign our rights and duties under these Terms without such assignment being considered a change to the Terms and without notice to you. We may modify these Terms, at any time, by posting notice thereof on the Website.
You acknowledge that you have read and understood these Terms and that these Terms have the same force and effect as a signed agreement.