Terms of Service

Effective Date: 28/08/2025

Welcome to Health Insurance Specialist! These Terms of Service (“Terms”) govern your access to and use of our website, services, and content (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.

1. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to use our Services. By using our Services, you represent and warrant that you meet these requirements.

2. Use of Services

You agree to use our Services only for lawful purposes and in compliance with all applicable laws.
You may not use the Services to engage in fraudulent, abusive, or harmful activities.
We reserve the right to suspend or terminate your access if you violate these Terms.

3. Accounts

You may need to create an account to access certain features.
You are responsible for maintaining the confidentiality of your account information.
You agree to notify us immediately of any unauthorized use of your account.

4. Intellectual Property

All content, materials, and features provided through our Services (including text, images, logos, and software) are owned by or licensed to Health Insurance Specialist.
You may not copy, modify, distribute, or exploit our content without our prior written consent.

5. Third-Party Links

Our Services may contain links to third-party websites. We are not responsible for the content, policies, or practices of those websites. Access them at your own risk.

6. Disclaimers

Our Services are provided “as is” and “as available,” without warranties of any kind, either express or implied.
We do not guarantee that the Services will be uninterrupted, error-free, or secure.

7. Limitation of Liability

To the fullest extent permitted by law, [Your Website Name] and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the Services.

8. Indemnification

You agree to indemnify and hold harmless [Your Website Name], its affiliates, and employees from any claims, damages, liabilities, and expenses resulting from your use of the Services or violation of these Terms.

9. Termination

We may suspend or terminate your access to the Services at any time, without notice, for conduct that we believe violates these Terms or is otherwise harmful.

10. Changes to Terms

We may update these Terms from time to time. Any changes will be posted on this page with a revised “Effective Date.” Continued use of the Services after changes indicates your acceptance.