Terms and Conditions of Use

Last Modified: 10/1/2023

Please read these Terms and Conditions of Use ("Terms of Use") carefully before using our services. Our services (“Services”) are powered by Ritter Insurance Marketing LLC (hereinafter referred to as “Company”). Your use of our Services is governed by these Terms of Use, and is further subject to our Privacy Policy.

By using any part of our Services, you agree to be bound by these Terms of Use. If you do not agree with any part of these Terms of Use, you must not use the Services.

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Services thereafter. Your continued use of the Services following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.

Legal Jurisdictions Only

The insurance services and products described within our Services are only for persons in those states and jurisdictions where such products and services may legally be sold. Nothing within our Services shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful.

Legal Authority

If you use our Services, you warrant that you are at least 18 years of age and possess the legal authority to use our Services in accordance with all terms and conditions herein. The Company does not sell products or services to minors. If you are purchasing a product or service on behalf of a minor, you agree to supervise all usage by minors of our Services under your name or account. You also warrant that all information supplied by you or members of your household in using our Services is true and accurate.

Applicable Law

By using our Services, you agree that the laws of the Commonwealth of Pennsylvania, without regard to principles of conflict of laws, will exclusively govern these Legal and Licensing terms and any dispute of any sort that may arise between you and the Company.

Permitted Use

Our Services are for the use of consumers who are researching and purchasing of individual health insurance products. The content, graphics, information, quotations, code and software used on or incorporated into our Services (collectively "Content") is made available for your personal use in connection with the generation and display of health insurance quotations only or facilitation of individual health insurance application through our electronic enrollment process. You are not permitted to use our Services or the Content for any commercial or non-personal purpose (direct or indirect) unless agreed to in writing by the Company. The Company reserves the right to prevent any party who engages in such non-permitted use(s) from accessing our Services.

You may use the Services only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Services:

• In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
• To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Services, or which, as determined by us, may harm the Company or users of the Services, or expose them to liability.

Additionally, you agree not to:

• Use the Services in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the Services, including their ability to engage in real time activities through the Services.
• Use any robot, spider, or other automatic device, process, or means to access the Services for any purpose, including monitoring or copying any of the material on the Services.
• Use any manual process to monitor or copy any of the material on the Services, or for any other purpose not expressly authorized in these Terms of Use, without our prior written consent.
• Use any device, software, or routine that interferes with the proper working of the Services.
• Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Services, the server on which the Services is stored, or any server, computer, or database connected to the Services.
• Attack the Services via a denial-of-service attack or a distributed denial-of-service attack.
• Otherwise attempt to interfere with the proper working of the Services.

Intellectual Property Rights

The Services and their entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

These Terms of Use permit you to use the Services for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services.

All Content included in our Services, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of the Company protected by United States and international copyright laws. All content and the software used are the exclusive properties of the Company and protected by United States and international copyright laws.

Information You Provide

By using our Services, completing the user registration, or filling out a health insurance application through the utilization of our Services, you are solely responsible for any personal information that you provide to us. You hereby grant the Company and its affiliated licensed insurance agents the right to use and store the personal information in a manner consistent with the intended use of our Services. The Company will use the personal information in a manner consistent with our Privacy Statement. In addition to use your personal information to process your request which may include request to be contacted by a licensed insurance agent or to process your enrollment application, we may disclose personal information if required to process your request or if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce these terms and conditions; (c) respond to claims that any Content violates the rights of third-parties; or (d) protect our rights, property, or personal safety, its users and the public.

Password Registration / Account Security

If applicable, certain features or services offered of our Services may require you to create an account or for the Company to issue a user name, password to you. It is a condition of your use of the Services that all the information you provide on the Services is correct, current, and complete. You agree that all information you provide to register with this Services or otherwise, including, but not limited to, through the use of any interactive features on the Services, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy. You are solely responsible for maintaining the confidentiality of your account information, including your user identification, password and any and all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or password, or any other breach of security. The Company will not be liable for any loss that you may incur as a result of someone else using your password, either with or without your knowledge. However, you could be held liable for losses incurred by us or another party due to someone else using your password.

You are responsible for both:

• Making all arrangements necessary for you to have access to the Services.
• Ensuring that all persons who access the Services through your internet connection are aware of these Terms of Use and comply with them.

We have the right to disable any user name, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.

Access Restrictions / Termination

We reserve the right to withdraw or amend the Services, and any service or material we provide on the Services, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Services is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Services, or the entirety of the Services, to users, including registered users. If applicable, the Company reserves the right, in its sole discretion, to modify your access or terminate your access to our Services and the materials or any portion thereof at any time, without notice.

Disclaimer / Liability Limitation

The information presented on or through the Services 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 Services, or by anyone who may be informed of any of its contents.

You agree that from time to time our Services may be inaccessible or inoperable for any reason, including, without limitation, equipment malfunctions, periodic maintenance procedures or repairs which we may undertake from time to time, or causes beyond the reasonable control of the Company or its agents or which are not reasonably foreseeable by the Company. In each case, you agree not to hold the Company responsible for any damages proximately caused by such delay or lack of access. In addition, The Company is not responsible for any loss of your personal information resulting from deletion or corruption or otherwise. While the Company uses reasonable efforts to include accurate and up-to-date information within our Services, the Company makes no warranties or representations as to accuracy of the Contents. The Company assumes no liability or responsibility for any errors or omissions in the Contents within our Services. Changes may be periodically made to the information at any time without notice.

OUR SERVICES AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" OR “AS AVAILABLE” BASIS WITHOUT ANY WARRANTY OR CONDITION OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY. THE COMPANY EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, WHETHER EXPRESS, ORAL, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, ANY IMPLIED WARRANTY OF MERCHANTABILITY, ANY WARRANTIES ARISING BY VIRTUE OF CUSTOM OF TRADE OR COURSE OF DEALING. FURTHER, THE COMPANY DOES NOT REPRESENT OR WARRANT THAT OUR SERVICES OR THE INFORMATION PROVIDED TO YOU THROUGH UTILIZATION OF OUR SERVICES WILL MEET YOUR REQUIREMENTS, WILL BE PROVIDED WITHOUT VIRUS OR OTHER HARMFUL COMPONENTS OR CONDITIONS, OR WILL BE ACCURATE AS OF ANY PARTICULAR DATE. SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

YOU EXPRESSLY AGREE THAT YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK. THE COMPANY SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND RELATED TO YOUR USE OF OUR SERVICES. THE COMPANY DOES NOT WARRANT THAT THE USE OF OUR SERVICES WILL BE UNINTERRUPTED OR ERROR FREE, NOR DOES THE COMPANY MAKE ANY WARRANTY AS TO ANY RESULTS THAT MAY BE OBTAINED BY USE OF OUR SERVICES.

IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING SPECIAL, INDIRECT, CONSEQUENTIAL OR INCIDENTAL DAMAGES OR DAMAGES FOR LOSS OF PROFITS, REVENUE, USE, OR DATA WHETHER BROUGHT IN CONTRACT OR TORT, ARISING OUT OF OR RELATING TO YOUR USE OF OUR SERVICES, OR YOUR RELIANCE UPON OR USE OF ANY INFORMATION CONTAINED IN OR ACCESSED FROM OUR SERVICES. YOUR SOLE AND EXCLUSIVE REMEDY HEREUNDER IS FOR YOU TO DISCONTINUE YOUR USE OF OUR SERVICES.

Indemnification

You agree to indemnify and hold harmless the Company (and its directors, officers, employees, subsidiaries, agents and affiliates) from any and all claims, liabilities, costs and expenses, including reasonable attorneys' fees and costs, due to or arising in any way from (i) your acts and omissions to act in using the Services pursuant to the terms of the Terms of Use; or (ii) your breach of these Terms of Use.

Contact

If you have any questions about our Terms of Use, email [email protected], or write us at