Terms & Conditions

PLEASE REVIEW THESE TERMS CAREFULLY BEFORE USING THIS SITE.
By accessing yourhealthcarebenefits.com or using any related services and websites (collectively referred to as the “Site”), you agree to these Terms of Use (“Terms”), including provisions on binding arbitration (Section 2), All Privacy Policy, E-Sign Consent, and any additional policies published on the Site. These Terms form a binding agreement between you and yourhealthcarebenefits.com (referred to as “we,” “us,” or “our”). By using the Site, you confirm your acceptance of these Terms and acknowledge your authority to bind yourself to them. The Site is for U.S. residents age 18 or older who can legally enter binding contracts. If you do not agree with these Terms, do not access or use the Site.
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Our Services
The Site connects consumers with insurance providers, agents, and similar service providers (“Providers”) to request insurance quotes or products. Consumers who engage with the Site are referred to as Users (also “you” or “your”). We may gather consumer information (“Leads”) with consent and share it with Providers. However, we do not issue insurance contracts, guarantee products, or endorse any Provider. We do not provide legal, financial, or tax advice. For insurance recommendations, consult a licensed professional.
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Dispute Resolution – Arbitration
If disputes arise from your use of the Site, you agree to resolve them through binding arbitration, not in court. Disputes will be handled per the American Arbitration Association (AAA) rules, and you waive your right to participate in class actions or jury trials. Arbitration is conducted on an individual basis and not consolidated with other claims.
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Intellectual Property
All Site content belongs to yourhealthbenefitsnow.com and its licensors. You may not copy, distribute, or modify the Site content without written permission from the copyright owner.
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User Conduct
By using the Site, you agree not to:
• Engage in illegal activities or misuse the Site in ways that harm its functionality.
• Attempt unauthorized access or breach Site security.
• Use the Site to upload harmful software or engage in unlawful behavior.
• Impersonate others or interfere with other users’ experiences.
• Store personal data of other users without authorization.
Violating these terms may result in immediate suspension or termination of your access.
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Termination
We reserve the right to suspend or terminate your access to the Site at any time, with or without cause. Termination will not affect provisions that should naturally continue beyond termination, such as intellectual property rights, warranty disclaimers, and liability limitations.