Terms and Conditions

1. Acceptance of Terms

By accessing or using the Help for America website (the "Site"), you agree to comply with and be bound by these Terms and Conditions. If you do not agree to these terms, please do not use the Site. These terms govern your access to and use of our insurance information, lead generation tools, and educational resources.

We reserve the right to modify these terms at any time. Your continued use of the Site following any changes constitutes your acceptance of the new terms.

2. No Insurance Advice

The content provided on this Site is for informational purposes only. While we strive to provide accurate and up-to-date information, insurance products and regulations vary by state and individual circumstances.

Always consult with a licensed insurance agent or qualified professional before making any decisions regarding your health insurance coverage.

3. User Responsibilities

You agree to provide accurate, current, and complete information when prompted by any lead generation forms on the Site. You are responsible for:

• Ensuring the data you provide is truthful and belongs to you.
• Using the Site only for lawful purposes.
• Maintaining the confidentiality of any account details or quotes provided.
• Not attempting to interfere with the proper working of the Site.

4. Consent to Communications

By submitting your contact information through our lead generation forms, you expressly consent to receive communications from Help for America and its licensed insurance partners.

This consent includes but is not limited to phone calls, emails, and text messages (SMS), even if your number is on a federal or state Do Not Call registry. You may opt-out of these communications at any time by following the unsubscribe instructions provided in the message.

5. Intellectual Property

All content on this Site, including text, graphics, logos, and software, is the property of Help for America and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, or create derivative works from this content without our express written permission.

6. Third-Party Services

The Site may contain links to third-party websites or services that are not owned or controlled by Help for America. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that Help for America shall not be responsible or liable, directly or indirectly, for any damage or loss caused by your use of such services.

7. Disclaimers

THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. HELP FOR AMERICA MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THE SITE.

8. Limitation of Liability

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, HELP FOR AMERICA SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.

9. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Delaware.