Welcome to iHealthQuotes.com ("Site"). The Site is owned and operated by Legacy Health Group, LLC ("LHG," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of the Site and the services provided ("Services"). By accessing or using the Site, you agree to these Terms. If you do not agree, please discontinue use immediately.
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1. GENERAL TERMS AND ACCEPTANCE
1.1 Eligibility
You must be at least 18 years old to use the Site. By accessing or using the Site, you affirm that you meet this requirement and accept these Terms.
1.2 Changes to the Terms of Service
We reserve the right to update these Terms at any time. Changes will be posted on this page with the updated effective date. Continued use constitutes acceptance.
1.3 Governing Law
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.
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2. SERVICES OVERVIEW
2.1 Description of Services
We provide health insurance quotes, educational resources, and facilitate transactions with licensed insurance carriers. All quotes are non-binding, and final premiums are determined by the underwriting insurance company.
2.2 No Guarantee of Enrollment
We make no guarantee that users will be eligible for or successfully enroll in any insurance product. Eligibility is determined by carriers.
2.3 Reservation of Rights for Service Modification
We reserve the right to modify or discontinue any part of the Site or Services at our sole discretion and without notice. We are not liable for any modification, suspension, or discontinuation of the Services.
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3. USER CONDUCT
3.1 Prohibited Conduct
You agree not to:
- Use the Site for unlawful purposes.
- Provide false or misleading information.
- Interfere with the Site’s functionality.
- Access or misuse others’ accounts.
- You may not use automated systems, such as bots, to interact with the Site in a manner that could overload or impair its functionality.
- You may not use bots, scrapers, or other automated tools to access, extract, or store data from the Site for unauthorized purposes. Any attempt to reverse-engineer our proprietary systems or bypass security measures is strictly prohibited.
Violations may result in immediate suspension of access.
3.2 Prohibition Against Misrepresentation
You agree not to misrepresent your identity, eligibility, or intent when using the Site or Services.
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4. COMMUNICATIONS AND DATA USE
4.1 Electronic Communications and Consent
By providing your contact information, you consent to receive calls, texts, and emails about the Services, including automated communications. You may opt-out by following instructions provided in the communications.
By providing your contact information, you affirm that it is accurate and that you are authorized to provide this consent. You agree that we may verify your consent through third-party tools or systems to comply with applicable laws.
You understand that standard message and data rates may apply for text messages or calls. If you withdraw consent, we will make reasonable efforts to stop communications promptly but cannot guarantee immediate cessation.
4.2 Privacy and Data Use
By using the Site, you consent to our data practices as outlined in our Privacy Policy. We may share data with third-party vendors to facilitate the Services.
4.3 Collection and Use of Information
Any information transmitted through the Site is governed by our Privacy Policy. We may disclose user data to authorities for investigations or legal claims.
4.4 User Data Retention
We retain user data only for as long as necessary to fulfill the purposes outlined in these Terms and comply with legal, regulatory, and contractual requirements. Upon termination of your use of the Services, your data may be archived to meet these obligations.
Data storage complies with industry security standards, and we engage third-party cloud service providers certified under frameworks such as SOC 2, ISO 27001, or equivalent. Data backups are regularly maintained to ensure continuity in case of data loss.
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5. COMPLIANCE AND LEGAL REQUIREMENTS
5.1 Compliance with Federal Healthcare Laws
You agree to use the Site in compliance with the Affordable Care Act (ACA), HIPAA, and other federal laws. Unauthorized use of protected health information is strictly prohibited.
5.2 Prohibition of Unauthorized Use of CMS Portals
You agree not to share your CMS portal credentials or allow unauthorized access.
5.3 Employee Cybersecurity Training
Legacy Health Group, LLC ensures that all personnel involved in handling user data are trained regularly on cybersecurity best practices, secure data handling, and compliance with applicable laws, including the Gramm-Leach-Bliley Act (GLBA) and California Consumer Privacy Act (CCPA).
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6. LICENSING AND ACCESSIBILITY
6.1 Insurance Licensing and Legal Notices
LHG is licensed to sell insurance in specific states. License numbers are available upon request.
6.2 Accessibility Statement
We adhere to WCAG 2.1 standards and commit to improving accessibility. If you experience issues, contact info@legacyhealthgrp.com.
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7. INTELLECTUAL PROPERTY AND CONTENT
7.1 Intellectual Property
All content on the Site is protected by copyright laws. You may not reproduce or distribute content without permission.
7.2 Feedback
Any feedback submitted may be used by LHG without obligation or compensation.
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8. LIABILITY AND DISPUTE RESOLUTION
8.1 Disclaimer of Warranties
The Site and Services are provided "as is" without warranties of any kind.
8.2 Limitation of Liability
LHG’s liability is limited to $100 or the amount paid in the last six months, whichever is greater. We take reasonable measures to secure the Site and Services; however, we cannot guarantee that unauthorized third parties will never breach our security measures. By using the Site, you acknowledge that you assume this risk.
8.3 Dispute Resolution
Any arbitration will be conducted confidentially and in accordance with the rules of the American Arbitration Association. Parties may only bring claims in their individual capacity and not as part of a class or representative action.
8.4 Force Majeure Clause
LHG is not liable for any failure or delay in performance due to events beyond our reasonable control, including natural disasters, government actions, labor disputes, or technical failures.
8.5 Indemnification Clause
You agree to indemnify, defend, and hold harmless LHG, its affiliates, officers, and employees from and against any claims, damages, losses, or expenses (including legal fees) arising out of your use of the Site or violation of these Terms.
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9. CALL RECORDINGS
9.1 Retention of Call Recordings
We may record calls for quality assurance and compliance purposes.
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10. EXTERNAL SITES AND EXPORT COMPLIANCE
10.1 External Websites
We are not responsible for content on external websites linked from the Site.
10.2 Export Compliance
You agree not to export any content or software from the Site in violation of U.S. laws.
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11. TERMINATION
11.1 Termination Rights
We may terminate or suspend your access to the Site or Services at our discretion and without prior notice.
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12. CONTACT INFORMATION
For questions, contact:
Legacy Health Group, LLC
5301 N Federal Hwy Ste 290
Boca Raton, FL 33487
Email: info@legacyhealthgrp.com
Phone: 844-590-0534
By using the Site, you acknowledge that you have read and agree to these Terms and our Privacy Policy.
iHealthQuotes.com Terms of Service
Last Updated: 1/1/2025 • Effective Date: 1/1/2025
iHealthQuotes.com is privately owned and operated by Legacy Health Group, LLC. Invitations for applications for insurance on iHealthQuotes.com are made through Legacy Health Group, LLC and its wholly owned subsidiaries, only where licensed and appointed. Legacy Health Group, LLC is licensed to sell insurance products in the following states: AL, AR, AZ, CO, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WI, WV, and WY. License numbers are available upon request by emailing licensing@legacyhealthgrp.com.
Submission of your information constitutes permission for an agent to contact you with additional information regarding the cost and coverage details of health plans. Possible options include, but are not limited to, Major Medical Plans, Short Term Plans, Fixed Indemnity Plans, and more. Descriptions are for informational purposes only and are subject to change. Health plans may not be available in all states. iHealthQuotes.com is not affiliated with or endorsed by the United States government or any federal agency. By using this Site, you acknowledge that you have read and agree to our Terms of Service and Privacy Policy.
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5301 N Federal Hwy Ste 290, Boca Raton, FL 33487