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Privacy Policy

General Disclaimer, Privacy Policy and Terms and Conditions

General Disclaimer

StressFreeHealthOptions.com is a third-party information service, health insurance and health benefits hotline for consumers who are seeking information and support for healthcare benefits through traditional insurance and through new healthcare delivery methods provided to consumers by the HITECH ACT. StressFreeHealthOptions.com is designed for education purposes and matching services only and not for the purpose of rendering medical advice. The information provided through StressFreeHealthOptions.com should not be used for diagnosing or treating medical conditions. It is not a substitute for professional medical care. If you suspect you have a health problem you should consult your healthcare provider. The authors, editors, producers, sponsors and contributors shall have no liability, obligation or responsibility to any person or entity for any loss, damage or adverse consequences alleged to have happened directory or indirectly as a consequences of material on this website.

The information on this site is provided for informational purposes only. If there are discrepancy on dates and meeting times, please email media@StressFreeHealthOptions.com

Use of names, logo or brands shall not imply endorsement. Unless otherwise stated StressFreeHealthOptions.com is not affiliated with any of the other name, logos, brands used throughout the site.

StressFreeHealthOptions.com  shall not be held responsible for user and community generated content including but not limited to reviews of providers. For questions or concerns relating to content provided on this website please email media@StressFreeHealthOptions.com

StressFreeHealthOptions.com  | 232 Andalusia Ave Miami, FL 33134

Privacy

StressFreeHealthOptions.com  is not affiliated with any government agencies, including the Department of Health and Human Services. StressFreeHealthOptions.com is an online health insurance and healthcare advocacy group that connects consumers with insurance companies, agents, and healthcare providers.

By calling the phone number on our landing pages, websites or advertisements, or clicking on the request buttons you consent be contacted via automatic telephone dialing system, by artificial pre-recorded messages or by text message at the phone number you provided above and receive emails at the email address you provide us, from or on behalf of www.StressFreeHealthOptions.com, insurance carriers or their agents, and partner companies. You understand that consent is not a condition of purchase and you may also receive a quote by contacting us via phone. You may revoke this consent at any time by contacting us via phone to be placed on our do-not-call list or by emailing us at info@StressFreeHealthOptions.com Your carrier’s message and data rates may apply. StressFreeHealthOptions.com does not charge you for sending or receiving text messages. If you are Medicare-eligible a representative will call you about a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement plan or other Medicare plans. By using this form you agree to the terms of our Privacy Policy.

Terms and Conditions

StressFreeHealthOptions.com may resell your data to an insurance agency or an insurance carrier for the sole purpose of connecting you with a licensed insurance agent in your state that is appointed to solicit health insurance, on and off the exchanges. Although StressFreeHealthOptions.com has an intent to provide every caller, and person inquiring about insurance, or healthcare services, we may not have the appointed professionals in your specific region, state or zip code. For the purposes of helping you receive the health insurance and healthcare services you requested from us, we may resell your data to the qualified insurance agency or insurance carrier or healthcare provider.

www.StressFreeHealthOptions.com is a leading online source of information for people seeking to learn more about their insurance options. StressFreeHealthOptions.com also matches people in need of insurance services with insurance professionals who can provide those services. The use of our matching service is free for consumers. StressFreeHealthOptions.com does not provide any financial services itself, nor does it endorse any third-party financial service provider.StressFreeHealthOptions.com is not affiliated with any third-party financial service provider. Any information, logotypes, brand marks, trademarks, and service marks of or about any third party company or financial service provider is provided strictly on an informational basis, and does not imply an endorsement by or relationship with that third party.

While every effort is made to ensure the accuracy of the content of the www.StressFreeHealthOptions.com  network, we cannot be held accountable for typographical errors, errors of fact, or any other error or inconsistency found on this or any other www.StressFreeHealthOptions.com  website. We hereby disclaim all liability from any damages resulting from the use of this or any other StressFreeHealthOptions.com website, or the services provided on this or any other StressFreeHealthOptions.com website. If you use our free service, we cannot guarantee that we will be able to locate a financial professional qualified to assist you.

The information provided on this site is not intended to convey tax or legal advice. For more detailed explanations of the laws, please consult an attorney or certified public accountant, as may be appropriate.  

Contacting Us.

If you have any questions about www.StressFreeHealthOptions.com, this website, or services, this Privacy Policy, Disclaimer or Terms and Conditions, you may contact us at:

info@StressFreeHealthOptions.com

or by mail at 232 Andalusia Avenue, Coral Gables, FL 33134

If your personally-identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate it by emailing our Customer Support at info@StressFreeHealthOptions.com or by contacting us by telephone or postal mail at the contact information listed above. We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreement.

Disclaimer

Attention:  This website is operated by StressFreeHealthOptions.com  and is not the Health Insurance Marketplace website. In offering this website StressFreeHealthOptions.com  is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220 (c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information.  This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at www.Healthcare.gov

StressFreeHealthOptions.com  (StressFreeHealthOptiojns.com) is a, DBA registered by Access Health Insurance, Inc. (“Access”) and is not affiliated with any government agencies, including the Department of Health and Human Services. Access is a licensed insurance agency domiciled in the state of Florida, with non-resident licenses in multiple states. Access is an insurance agency that connects consumers with insurance companies, agents and is appointed to sell the insurance carriers.  Insurance carrier offerings change from state to state based on availability in each state and Access’s carrier appointments.

By calling the phone number on our landing pages, websites or advertisements, or clicking on the request buttons you consent be contacted via automatic telephone dialing system, by artificial pre-recorded messages or by text message at the phone number you provided above and receive emails at the email address you provide us, from or on behalf of StressFreeHealthOptions.com , insurance carriers or their agents, and partner companies. You understand that consent is not a condition of purchase and you may also receive a quote by contacting us via phone. You may revoke this consent at any time by contacting us via phone to be placed on our do-not-call list or by emailing us at info@StressFreeHealthOptions.COM.  Your carrier’s message and data rates may apply.StressFreeHealthOptions.com  does not charge you for sending or receiving text messages. If you are Medicare-eligible a representative will call you about a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement plan or other Medicare plans. By using this form you agree to the terms of our Privacy Policy.

StressFreeHealthOptiojns.com may resell your data to an insurance agency or an insurance carrier for the sole purpose of connecting you with a licensed insurance agent in your state that is appointed to solicit health insurance, on and off the exchanges.  Although StressFreeHealthOptiojns.com has an intent to provide every caller, lead and person inquiring about our services, we may not be appointed in your specific region, state or zip code. For the purposes of helping you receive the health insurance you requested from us, we may resell your data to the qualified insurance agency or insurance carrier.

StressFreeHealthOptions.com  is a leading online source of information for people seeking to learn more about their insurance options. StressFreeHealthOptions.com  also matches people in need of insurance services with insurance professionals who can provide those services. The use of our matching service is free for consumers. StressFreeHealthOptions.com  does not provide any financial services itself, nor does it endorse any third-party financial service provider. StressFreeHealthOptions.com is not affiliated with any third-party financial service provider. Any information, logotypes, brand marks, trademarks, and service marks of or about any third party company or financial service provider is provided strictly on an informational basis, and does not imply an endorsement by or relationship with that third party. While every effort is made to ensure the accuracy of the content of the StressFreeHealthOptions.com  network, we cannot be held accountable for typographical errors, errors of fact, or any other error or inconsistency found on this or any other StressFreeHealthOptions.com website. We hereby disclaim all liability from any damages resulting from the use of this or any other StressFreeHealthOptions.com website, or the services provided on this or any other StressFreeHealthOptions.com website.

If you use our free service, we cannot guarantee that we will be able to locate a financial professional qualified to assist you. The information provided on this site is not intended to convey tax or legal advice. For more detailed explanations of the laws, please consult an attorney or certified public accountant, as may be appropriate. If you have any questions about StressFreeHealthOptions.com , this website, our service, this Privacy Policy, Disclaimer or Terms and Conditions, you may contact us at:

StressFreeHealthOptions.com,  232 Andalusia Ave Coral Gables, FL 33134 

1-844-425-6757

If your personally-identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate it by emailing our Customer Support at info@StressFreeHealthOptions.COM or by contacting us by telephone or postal mail at the contact information listed above. We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Licensing & Legal Information General Disclaimer; No Warranties; Limited Liability

The Site is provided on an “as is” basis without warranties of any kind, either express or implied, including but not limited to warranties of title or implied warranties of merchantability, fitness for a particular purpose, or non-infringement, other than those warranties which are imposed by and incapable of exclusion, restriction or modification under the laws applicable to this agreement. YOUR USE OF THIS SITE IS AT YOUR OWN RISK. IN NO EVENT SHALL StressFreeHealthOptions.com, AND ITS PARENT COMPANY, AFFILIATES, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS be liable for any LOSS OR INJURY OR ANY damages, either direct, indirect, punitive, special, incidental, consequential or otherwise, resulting from, or in any way connected to, the use of this Site OR ANY StressFreeHealthOptions.COM INFORMATION, in each case regardless of whether such damages are based on contract, tort, strict liability, or those other theories of liability. Some jurisdictions do not allow the exclusion of implied warranties or consequential or incidental damages, so portions of the above-referenced exclusions may not directly apply to you. YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST StressFreeHealthOptions.COM AND ITS PARENT COMPANY, AFFILIATES, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS ARISING OUT OF YOUR USE OF THE SITE OR ANY OTHER StressFreeHealthOptions.COM INFORMATION.

Existing Insurance Coverage

Do not cancel any existing insurance until you receive written confirmation from the insurance company to which you are applying that your new policy is in effect. This website is owned and operated by the StressFreeHealthOptions.com  network. StressFreeHealthOptions.com is a leading online source of information for people seeking to learn more about their insurance options. StressFreeHealthOptions.com  also matches people in need of insurance services with insurance professionals who can provide those services. The use of our matching service (hereinafter “Service” or “Services”) is free for consumers. StressFreeHealthOptions.com  believes it is important for you to know and understand how our websites collect and use your information, and the steps we take we to protect your privacy. Please read this privacy policy carefully. Please note that this privacy policy only applies to this website, http://www.StressFreeHealthOptions.com  other websites in the StressFreeHealthOptions.com network may have different privacy policies. By accessing this website and/or using our Service, you agree to abide by this Privacy Policy and our Terms of Use.  

Information Collected

StressFreeHealthOptions.com  uses this website to collect two (2) kinds of information: personally-identifiable information and non-personally-identifiable information. Personally-identifiable information: When you use our Service you are authorizing the sharing of your inquiry and your personally-identifiable information with other businesses who provide services that match your inquiry. The personally-identifiable information we collect may include, but is not limited to:

  • Name
  • Address
  • Email address
  • Phone number
  • Demographic information
  • Credit information
  • Health information
  • Other financial information

Please note that insurance institutions and other services who subscribe to our system compete for the opportunity to provide insurance products and services that match your inquiry. By submitting your information to us, you are also authorizing these businesses to contact you directly by e-mail and telephone with information about insurance products or services they offer that match your inquiry. You expressly consent to receive phone calls and email regardless of whether you are on any Federal or state DNC (“Do Not Call”) and/or DNE (“Do Not Email”) list or registry.

Non-personally-identifiable information:

While you are visiting this website, our hosting service will automatically track information that may include:

  • IP addresses
  • Referral information
  • Browser details
  • Number of page views
  • Number of repeat visits
  • Internet Service Provider
  • Region or geographic location

Personally-identifiable information:

We only collect your personally-identifiable information when you choose to share it with us. We will not collect any personally-identifiable information without your consent. The information you choose to share with us may be collected through this website, another website in the StressFreeHealthOptions.com  network, or a website owned by of one of our third-party partners, including our network of affiliated marketing partners. Any personally-identifiable information collected by an StressFreeHealthOptions.com  affiliated marketing partner is used to provide the services described above. Information may also be collected over the phone by one of our Customer Service Representatives, or by a Customer Service Representative working for one of our third-party partners. By agreeing to the Terms of Use of this privacy policy, you are consenting to share your information you supply to us, and, you are authorizing the sharing of your inquiry information and your personally-identifiable information with other businesses that provide insurance products or services that match your inquiry. By submitting your information to us, you are also authorizing these businesses to contact you directly by e-mail and telephone with information about insurance products or services they offer that match your inquiry, as well as other services and offers you may be interested in. We follow generally accepted industry standards to protect the personally-identifiable information submitted to us, including SSL (Secure Sockets Layer), both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100 percent secure, however. Therefore, while we strive to use commercially acceptable means to protect your personally-identifiable information, we cannot guarantee its absolute security. We provide you the opportunity to ‘opt-out’ of having your personally-identifiable information used for certain purposes, when we ask for this information. For example, if you purchase a health plan but do not wish to receive any additional marketing material from us, you can indicate your preference on our order form. If you no longer wish to receive our newsletter and promotional communications from StressFreeHealthOptions.com  or our affiliated marketing partners, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing us at info@StressFreeHealthOptions.COM  or calling us at 1-844-425-6757 or writing to the address: StressFreeHealthOptions.com 232 Andalusia Ave Coral Gables, FL 33134 Street, SUITE 600

Any personally-identifiable information you submit in our blog comments or forum can be read, collected, or used by other users of these forums, and could be used to send you unsolicited messages.  We are not responsible for the personally-identifiable information you choose to submit in blog comments or forums.

Non-personally-identifiable information:

While you are visiting this website the following information will be automatically tracked: IP addresses, referral information, browser details, operating system information, information about your Internet Service Provider, geographic location, and other non-personally-identifiable information. We may use cookies, web beacons/pixels, tracking scripts, and other monitoring technologies to gather non-personally-identifiable information.

How Information Is Used Consumers:

If you choose to give us personally-identifiable information, we may share this information with our network of insurance professionals to help answer your questions, fulfill your request, or for any purpose in our sole discretion. We may also share your personally-identifiable information with selected third parties to offer you products or services that may interest you. The professionals we match you with may contact you by phone, email, or mail to fulfill your inquiry and provide you with other offers you may be interested in. The personally-identifiable information we share with selected third parties includes name, e-mail address, phone number, and/or postal address. If you do not want us to share this information with other companies or organizations, please let us know by following one of the methods for opting-out of our communications.

The professionals in our network may include, but are not limited to, insurance agents, and other financial services brokers. In addition, you may be contacted by StressFreeHealthOptions.com  ‘s Consumer Protection or Quality Assurance departments in order to verify information you submitted or to collect additional information from you about your experience using our Service.

You should be aware that we have no control over how other businesses with which we share your information may use it, or whether they will sell or share your information with third parties. If you choose to send us an email, we may forward your request on to third parties if we cannot answer your question. We may also respond to your email with correspondence or offers which we believe may be relevant to your request. You can opt-in or opt-out of having your request or personally-identifiable information sent to third parties using any of the contact information provided in the penultimate paragraph in this Privacy Policy.

In addition, we may provide you with a free subscription to one of our newsletters. You may unsubscribe to these newsletters and any other correspondence or offer from StressFreeHealthOptions.com at any time.

In the event that we cannot match you with a member of our network of insurance professionals, your information may be shared with other third-party networks of professionals. Any contact or communication you have with members of these third-party networks is not covered by the terms of this privacy policy. Please note that we have no control over and cannot be held responsible or liable for the privacy policies, if any, of our third-party partners. This includes third-party websites that link to StressFreeHealthOptions.com , third-party websites linked from StressFreeHealthOptions.com  , any insurance agent or financial professional in our network that we match you with, any third-party network to whom we forward your information, or any member of such third-party network.

Finally, your agreement with our privacy policy also allows that we may share your information with other third parties who may be able to provide you with other offers or services in which you may be interested. We reserve the right to disclose your personally-identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Website. If StressFreeHealthOptions.com  is involved in a merger, acquisition, change of ownership, or sale of substantially all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site if the changes affect the uses of your personally-identifiable information, as well as any choices you may have regarding your personally-identifiable information.

Prospective business partners and affiliates:

The information you submit to StressFreeHealthOptions.com ’s affiliate and/or referral program may be used to qualify you for participation in affiliate and/or referral programs.

Non-personally-identifiable information:

Our website development team uses non-personally-identifiable metrics to improve the content, layout, navigation, and overall site experience for all visitors. We may analyze traffic patterns and statistics to improve this site, provide additional services, and better serve our visitors.

Cookies

A cookie is a small text file stored on a user’s computer for record-keeping purposes. We use cookies on this site, but do not link the information we store in cookies to any personally-identifiable information you submit while on our site.

The cookies we use collect non-personally-identifiable information in order to provide data including, but not limited to, the amount of time spent on our Website and the pages visited.

Our website uses both session ID cookies and persistent cookies. A session ID cookie is used to make it easier for you to navigate our site and expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time.

Persistent cookies enable us to track and target the interests of our users to enhance the experience on our site. We also use persistent cookies to denote a user’s repeat visit within 60 days, which is commonly known as a 60-day persistent cookie.

You can remove persistent cookies by following directions provided in your Internet browser’s “help” file. Refer to Microsoft© online for more information about cookies.  If you reject cookies, you may still use our site, but your ability to use some areas of our site may be limited.

We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers’ personally-identifiable information. We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If you would like to opt-out of these emails, please contact info@StressFreeHealthOptions.COM to opt-out.

We use local storage objects (LSOs) to store content information. Various browsers may offer their own management tools for removing HTML5 LSOs. To manage Flash LSOs please click here:

http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html.

Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies.

Our third party partners employ clear gifs (a.k.a. Web Beacons/Web Bugs), images, and scripts that help them better manage content on our site. We do not tie the information gathered to our Customers’ or Users’ personally-identifiable information.

This privacy policy covers the use of cookies by StressFreeHealthOptions.com  only and does not cover the use of cookies by any advertisers or third parties.

Your Consent

By visiting, agreeing with and accepting this privacy policy, and then sharing your information with this website, you consent to the collection and use of your information by our site development team. In so doing, you agree to abide by this Privacy Policy, this site’s Terms of Use, and this site’s disclaimer.

You further acknowledge that this website’s Privacy Policy and Terms of Use constitute the only understanding and agreement between you and StressFreeHealthOptions.com, and that this understanding and agreement supersedes any and all previous understandings and agreements.

You further acknowledge that you agree to be contacted by insurance professionals, the StressFreeHealthOptions.com  Consumer Protection and/or Quality Assurance departments, and other third party partners of StressFreeHealthOptions.com, regardless of the presence of your telephone number, or if you registered on any state or Federal DNC (“Do Not Call”) of DNE (“Do Not Email”) list or registry. If the company or third party is marketing products to you or are offering services other than what you originally requested, then contact us using the contact information in the penultimate paragraph in this Privacy Policy or contact the DNC or DNE registry. Find there contact information onlinehttps://www.donotcall.gov/. You further agree to receive quotes, policy updates, and other customized content to your wireless phone. In addition to any fee of which you are notified, your provider’s standard messaging rates apply to our confirmation and all subsequent SMS correspondence. StressFreeHealthOptions.com    does not charge you for sending or receiving text messages. You may opt-out and remove your SMS information by sending “STOP”, “END”, “QUIT” to the SMS text message you have received.

California Residents Privacy Rights

Companies that collect personally-identifiable information from California residents and disclose such information to Third Parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties.

StressFreeHealthOptions.com has elected the second option, and you may request that your personally-identifiable information not be shared with third parties by sending your request, including your full name, email address and postal address to:

StressFreeHealthOptions.com, 232 Andalusia Avenue, Coral Gables, FL 33134

In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.

Can-Spam Compliance

StressFreeHealthOptions.com  is committed to be compliant with all Federal regulations, including the Federal CAN-SPAM Act of 2003.

StressFreeHealthOptions.com  only sends email to those of our visitors who have “opted in” to receive these communications. Individuals “opt in” to our email communications by voluntarily providing us with their email address and submitting a form that acknowledges their agreement with our Terms of Use and Privacy Policy.

You may “opt-out” of any communication from StressFreeHealthOptions.com  at any time. Use the “unsubscribe” link at the bottom of any email you receive from StressFreeHealthOptions.com  and we will remove you from our mailing list. In addition, you may contact us at the address above and request to be removed from our mailing list.

Occasionally StressFreeHealthOptions.com  will partner with a third party email server who may provide additional relevant email advertisements to our consumer’s requests.

Unsubscribing from communications from StressFreeHealthOptions.com  does not guarantee that you will no longer receive communications from our third party partners; you must contact that third party directly.

Be advised that we cannot control the policies of our third party partners, nor can we guarantee or represent their compliance with the CAN-SPAM Act or any other state or Federal law.

Links to Other Websites

This website may feature links to other websites owned and operated by third parties. Be advised that StressFreeHealthOptions.com  is not responsible for the content or services of these third party sites. Privacy Policies and Terms of Use, if any, of these third party sites may differ from StressFreeHealthOptions.com  ‘s Privacy Policy and Terms of Use. We encourage you to read the Privacy Policies and Terms of Use of any website you visit.

Social Media Features and Widgets

Our Web site includes Social Media Features, such as the Facebook Like button and Widgets, such as the Share this button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Information from Minors

StressFreeHealthOptions.com  does not knowingly solicit or collect information from anyone under the age of 13.

TRUSTe Licensee Agreement

StressFreeHealthOptions.com  has received TRUSTe’s Privacy Seal signifying that this privacy policy and our practices have been reviewed for compliance with the TRUSTe program viewable on the validation page available by clicking the TRUSTe seal. The TRUSTe program covers only information that is collected through this Web site, http://www.StressFreeHealthOptions.com.

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact TRUSTe at https://feedback-form.truste.com/watchdog/request.

Changes to This Policy

StressFreeHealthOptions.com  reserves the right to modify this privacy policy at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page prior to the change becoming effective. An updated copy of this Privacy Policy will be clearly posted and accessible on this website at all times.

Email Policy

StressFreeHealthOptiojns.com is dedicated to revolutionizing the health insurance purchasing process. A big part of that “revolution” is based upon prompt and convenient communication with our clients, vendors and others. For that reason, we offer various means of communication including Email, fax, telephone, chat, snail-mail, express mail, voice mail, text messaging etc. To demonstrate our commitment to prompt and convenient communications, we have adopted the following terms and conditions, regarding Email, which are incorporated by reference into all Emails sent and received by our Team Members (i.e., our employees and independent contractors). Our communications with you via Email are conditioned upon your agreement to the following terms.

Email in General

Email is an effective means of communicating a message. However, due to its brief and informal nature, Email may not accurately represent the entire or final disposition of a matter or the official business records of the Company. In most instances, communications on a particular matter are exchanged through multiple channels such as through Emails, faxes, voicemails, letters, IM, telephone, and in person. Indeed, communications on a particular matter may be exchanged through multiple channels, all at the same time, such as when an Email responds to a voicemail, a fax follows-up a personal meeting, a voicemail responds to an Email, etc. Accordingly, Email, by itself, may not accurately reflect the complete communication or intent of the Company as to the subject matter referred to within the communication, nor constitute an official business record of the Company. All official matters should be subsequently confirmed in signed writings. Also, the mere receipt of an Email by the Company may not put the Company on notice, timely or otherwise, of the matters contained within that Email.

Emails are generally not Formal Signed Writings; e-sign Disclaimer

Unless there is explicit and specific language and disclosures to the contrary, Emails from our Company do not contain or constitute an electronic signature, even if the sender’s name appears in the Email. Email communications are not intended to be construed against the Company as an insurance premium lock, an unconditional insurance approval, unconditional pre-qualification, unconditional pre-approval, or any other unconditional offer or agreement to insure. Such documents and agreements are generally sent to clients in formal signed writings from the insurance carriers.

Confidential information and Personal Identifiable Information

Emails sent by our Team Members are confidential (and all attachments to such Emails are confidential) and are to be reviewed and/or disclosed to only the individual or entity to whom they are addressed and intended. If you received an Email in error or if it was improperly forwarded to you, the information contained in the Email should, at all times, remain confidential and such circumstances shall not authorize you to use or disclose the confidential information. Please notify the sender immediately by telephone or Email, and delete or destroy the original and any copies. Any unauthorized use, disclosure, reproduction, or distribution is strictly prohibited. Emails marked as “Confidential” contain confidential and/or proprietary information that is disclosed under the condition that you treat and maintain such information strictly in a confidential manner and in compliance with applicable privacy laws (including but not limited to the Gramm-Leach-Bliley Act) and that you ensure such information is not disclosed or used by others, except for the limited and confidential purpose for which it is being provided. By accepting and reviewing Confidential information provided by the Company, you agree to indemnify and hold the Company harmless against any and all claims, losses, liabilities, or expenses, including attorney’s fees that the Company may incur as a result of the unauthorized use or disclosure of confidential information due to your acts or omissions.

Privileged information

Emails exchanged with or involving our Legal Team may contain privileged information subject to the attorney client privilege and/or the attorney work product privilege. Such privileged information shall not be waived if you receive an Email in error or if it was improperly forwarded to you. If you are not the intended recipient of privileged information, please notify the sender immediately by telephone or Email and delete or destroy the original and any copies. Any unauthorized use, disclosure, reproduction, or distribution of confidential or privileged information is strictly prohibited.

Viruses

Computer viruses can be transmitted via Email through Email content, attachments to Emails and embedded links. Although our Emails are believed to be free of any virus or other defects that might affect computer systems in which they are received and opened, it is the recipient’s responsibility to ensure that any Email they open is virus free. The Company is not responsible for any loss or damage arising in any way from the receipt, use, storage or transmission of our Emails. If our Company forwards an Email or replies to a prior Email, the contents may have been produced by someone other than our Company or our Team Members for which the Company assumes no liability whatsoever. THE COMPANY DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT COMPANY EMAILS ARE VIRUS FREE AND/OR ERROR FREE. The use of Email to introduce any virus, malicious or disabling code, or to otherwise interfere with the Company’s Email transmissions, telecommunication, or computer networks is prohibited and against the law; violators will be prosecuted to the fullest extent of the law.

Opt-out

This Email may constitute an advertisement or solicitation under U.S. law, if its primary purpose is to advertise or promote a commercial product or service. If you do not wish to receive advertising and promotional messages from StressFreeHealthOptions.com at this Email address please specify your preference by sending your request to info@StressFreeHealthOptions.com

Complaints

Any email or mobile messaging complaints should be directed to the Client Relations Team at 1-844-425-6757 info@StressFreeHealthOptions.com  

Acceptance of Terms

IMPORTANT! PLEASE READ CAREFULLY. THIS IS A CONTRACT. BY USING THIS WEB SITE AND THE SERVICES OFFERED ON THIS WEBSITE, YOU ACCEPT ALL TERMS AND CONDITIONS OF THIS AGREEMENT. YOUR ACCESS AND USE OF THE WEB SITE CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW. If you disagree with any of the terms that follow, or do not agree to be bound by all such terms, do not use this website or any of its related services.

About This Site

This Website (hereinafter “the Site” or “this Site”) is part of the StressFreeHealthOptions.com  network. StressFreeHealthOptions.com is an online service provider, specializing in providing insurance quotes and connecting insurance shoppers with professionals who can assist them.

StressFreeHealthOptions.com  does not endorse any particular insurance plan, provider, or agent. Any information provided about any particular insurance plan, provider, or agent shall not be construed as an endorsement by StressFreeHealthOptions.com

Personal and Non Commercial Use Limitation

In order to use the Services, you must be at least 18 years of age. In consideration of your use of the Services, you agree to provide true, accurate and current information about yourself as prompted by the required registration forms. This Site is for your personal, non commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or service found on or obtained from the Site; provided that you may download, reproduce, and retransmit StressFreeHealthOptions.com  Information solely for non-commercial purposes within your organization. With the exception of the foregoing limited authorization, no license or right in any copyright of StressFreeHealthOptions.com or any other party is granted or conferred to you.

The Site is provided on an “as is” basis without warranties of any kind, either express or implied, including but not limited to warranties of title or implied warranties of merchantability, fitness for a particular purpose, or non-infringement, other than those warranties which are imposed by and incapable of exclusion, restriction or modification under the laws applicable to this agreement. YOUR USE OF THIS SITE IS AT YOUR OWN RISK. IN NO EVENT SHALL StressFreeHealthOptions.COM , ITS AGENTS, REPRESENTATIVES OR LICENSORS be liable for any LOSS OR INJURY OR ANY damages, either direct, indirect, punitive, special, incidental, consequential or otherwise, resulting from, or in any way connected to, the use of this Site OR ANY StressFreeHealthOptions.COM INFORMATION, in each case regardless of whether such damages are based on contract, tort, strict liability, or those other theories of liability. Some jurisdictions do not allow the exclusion of implied warranties or consequential or incidental damages, so portions of the above-referenced exclusions may not directly apply to you. YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST StressFreeHealthOptions.COM , ITS AGENTS, REPRESENTATIVES AND LICENSORS ARISING OUT OF YOUR USE OF THE SITE OR ANY OTHER StressFreeHealthOptions.COM INFORMATION.

Copyright and Proprietary Rights Information

The Site may contain technical inaccuracies or typographical errors or omissions. StressFreeHealthOptions.com  reserves the right to make changes, corrections and/or improvements to the Site, and to the products and programs described in such information, at any time without notice.

This Site contains and references trademarks, patents, trade secrets, technologies, products, processes or other proprietary rights of StressFreeHealthOptions.com. No license or right to or in any such trademarks, patents, trade secrets, technologies, products, processes and other proprietary rights of StressFreeHealthOptions.com  and/or other parties is granted to or conferred upon you.

Available Services

The purpose of the Site is to provide consumers with ability to receive comparative insurance quotations and healthcare services from a network of insurance agents, brokers and other licensed insurance providers (hereinafter “Providers”), based on the information you have provided. These Providers may have one or numerous companies with from which they will provide you with quotes. Once you have provided us with the information needed, by sufficiently completing an appropriate online form, we will refer that information to these Providers, who may then contact you directly if they are able to provide you with a quotation for insurance coverage. From time to time these Providers may ask for additional information they may need to obtain an accurate quote. In the event that we do not have sufficient participation on our network in your area, you may receive less than five offers.

We do not guarantee that any of the Providers to whom we may forward your information will contact you or agree to provide you coverage. We are not responsible in any way, for the conduct of the Providers to whom we forward your insurance quotation requests. If you need personal advice, explanation of coverage, assessment of needs or specific policy recommendations, consult with a licensed insurance agent, broker, or other qualified professional.

We reserve all the rights to our Site contents, and may at our discretion change the contents of the Site, or restrict access to certain sections of the Site, or to discontinue any aspect of the Site, including, but not limited to content, features, hours of availability, without notice or penalty.

Your Use of The Service

You must be at least 18 years of age to use the Service. You warrant and agree that, while using the Service, you will not do any of the following:

  • impersonate any other person or entity
  • submit any information pertaining to a third party without that party’s understanding and express consent
  • submit false or misleading information
  • exploit this Service for any commercial reason
  • engage in any activity prohibited under the CAN-SPAM Act
  • engage in any criminal or otherwise unlawful behavior
  • commit any action which could give rise to civil liability
  • restrict others from making use of this Service
  • upload or attempt to upload any computer virus, malicious computer code, file program, or any other digital property
  • commit any action that interferes with, blocks, or otherwise harms the Service

Links to the Web Site

You may not establish a hypertext “link” to the Web Site and/or distribute, modify or re-use the text or graphics of the Site unless you obtain prior express written permission from StressFreeHealthOptions.com  allowing you to do so.

Links to Third Party Sites

This Site may contain links to sites that are controlled by third parties. These linked sites are not under the control of StressFreeHealthOptions.com , and StressFreeHealthOptions.com  is not responsible for the contents of any linked site or any link contained in a linked site. StressFreeHealthOptions.com is providing those links to you only as a convenience, and the inclusion of any link does not imply endorsement by StressFreeHealthOptions.com  of any linked site or constitute any warranty by StressFreeHealthOptions.com of any linked site or any items contained on such site.

Governing Law

Any disputes arising out of or related to the Site shall be governed by and construed and enforced in accordance with, the laws of the State of Florida applicable to contracts entered into and to be performed entirely within the State of Florida.

No Unlawful or Prohibited Use

As a condition of your use of the Site, you warrant to StressFreeHealthOptions.com  that you will not use the Site for a purpose that is unlawful or prohibited by these terms, conditions, and notices.

Disclaimer

The Service is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we make no representations of warranties of any kind, express or implied, regarding the use of the Service. We disclaim all warranties regarding the accuracy or reliability of the information provided, including the implied warranties of merchantability and fitness for a particular purpose, and non-infringement. WE DO NOT WARRANT THAT THE SERVICE WILL BE SECURE, UNINTERRUPTED, OR ERROR-FREE, WE MAKE WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS. NO ADVICE, RESULTS, OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

WE MAKE NO WARRANTIES REGARDING THE AFFILIATION OF ANY PROVIDER WHO MAY CONTACT YOU. WE EXPRESSLY DISCLAIM ALL RESPONSIBILITY FOR THE ACTIONS OF ANY PROVIDER WHO MAY CONTACT YOU THROUGH THE SERVICE. IF YOU ARE DISSATISFIED WITH THE SERVICE, YOUR SOLE REMEDY IS TO DISCONTINUE ITS USE.

WE ATTEMPT TO PROVIDE ACCURATE INFORMATION REGARDING INSURANCE PRODUCTS AND SERVICES; HOWEVER, WE CAN MAKE NO REPRESENTATION OR WARRANTY AS TO THE ACCURACY OR RELIABILITY OF THIS INFORMATION. AVAILABILITY OF PRODUCTS OR SERVICES MAY VARY BY STATE AND MAY NOT BE AVAILABLE TO YOU.

WE MAKE NO REPRESENTATION, EITHER EXPRESS OR IMPLIED, OF ANY SPONSORSHIP BY ANY COMPANY MENTIONED ON THIS SITE, OR OF ANY OTHER RELATIONSHIP WITH ANY SUCH COMPANY. WE MAKE NO GUARANTEE, EXPRESSED OR IMPLIED, THAT A USER WILL BE ABLE TO OBTAIN A QUOTE FROM ANY PARTICULAR COMPANY OR PROVIDER MENTIONED ON THIS SITE.

Limitation of Liability

WE SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, AND IN PARTICULAR, WE SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR ANY DAMAGES FOR LOST PROFITS, LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR RELATED TO THE SERVICE OR THE INFORMATION CONTAINED IN IT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnification

You agree to indemnify and hold harmless the Service (and its parents, 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 the use or misuse by you of the Service, your violation of these Terms and Conditions, your violation of any law, or infringement by you of any right of any person or entity.

Proprietary Rights

We retain all rights, title, and interest in and to the Service, including all content, data, materials, specific implementations of XHTML, CSS, and other code, the look and feel, the design, and all other aspects of the trade dress of this Site, and retain all intellectual and property rights therein. Third party logotypes, brand marks, and service marks are the property of their respective owners. Use of the Service by you does not grant to you ownership and any commercial use or exploitation of the Service by you is expressly prohibited. You may not exploit, copy, redistribute, or reproduce any aspect of the Service. Doing so may be a violation of applicable Federal and state laws and may subject you to liability.

Other

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the other provisions shall remain in full force and effect. Further, you agree that for any provision that may be found to be invalid and unenforceable, you shall ask the court to endeavor to give effect to the intent of the provision. These Terms and Conditions constitute the full understanding between you and us. You agree that any claim arising from or related to the Service must be filed within twelve (12) months of your use of the Service, regardless of any statute or law to the contrary.

Changes and Updates

We reserve the right to make changes and updates to these Terms and Conditions at any time, at our sole discretion. An updated copy of these Terms and Conditions will be kept clearly posted and accessible on this Site at all times.

Attention:

This website is operated by StressFreeHealthOptions.com  and is not the Health Insurance Marketplace website. In offering this website, StressFreeHealthOptions.com  is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220 (c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at HealthCare.gov.

 

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