EliteHealthInsurers.com Terms Of Service - Effective as of 8/6/2021
This website is owned and operated by EliteHealthInsurers.com (“we, our, or us”). “EliteHealthInsurers.com”, “us” or “we” means EliteHealthInsurers.com, its subsidiaries, affiliates, and any website operated by EliteHealthInsurers.com
“EliteHealthInsurers.com”, “us” or “we” means EliteHealthInsurers.com, its subsidiaries, affiliates, and any website operated by EliteHealthInsurers.com.
When You submit a policy quote request, EliteHealthInsurers.com transmits the information You entered in the form through the network in real time, presenting the information to Providers electronically until a Provider (often, the highest bidding Provider) accepts Your policy request. You will then be directed to that Provider’s website where it presents an offer for a policy (or other goods and services).
If no Providers accept your policy request, we may present you with an offer to submit another policy request or an offer for a different product. We also may also share your contact information with third-party marketers that may contact you by email or SMS (in which case data and messaging rates may apply) to offer you policy request quotes or other products.
NOTE ABOUT TRIBAL LENDERS: By using this Website, You may be offered a insurance policy by a tribal or marketplace insurance provider. Such lenders may claim exemptions from state licensing and usury caps, based on tribal immunity or bank preemption. Please be aware that the rates and fees offered by these providers may be higher than those offered by state-licensed lenders. In addition, for tribal policy providers, You may be required to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any policy provider, regardless of its insurance policy models, and to reject any particular policy offer that You cannot afford to repay or that includes terms that are not acceptable to You. By submitting your insurance policy quote request, You agree that you have read and understand the statement above.
b. No Endorsement or Recommendation We do not endorse or recommend the services or products of any particular Provider. You should rely on your own judgment in deciding which available insurance product, terms and/or Provider best suits Your needs and financial situation.
We do not guarantee that the insurance policy terms or rates offered and made available by insrance policy providers are the best terms or lowest rates available in the market.
EliteHealthInsurers.com IS NOT RESPONSIBLE OR LIABLE FOR ANY PROVIDER'S ACTS OR OMISSIONS INCLUDING FOR ANY QUOTES OR SERVICES THAT ANY SUCH SERVICE PROVIDER MAY PROVIDE, FOR ANY PROVIDER'S CONTACTING OR FAILURE TO CONTACT YOU, FOR ANY PROVIDER'S PERFORMANCE OR FAILURE TO PERFORM ANY SERVICES, OR FOR ANY AGREEMENT OR TRANSACTION BETWEEN YOU AND ANY PROVIDER.
c. Data Sharing with Insurance Companies, Providers and Third Parties When You submit a insurance policy quote request, You understand that we share the information in Your insurance policy request form with Providers. Providers may keep the information in your insurance policy quote request form, and any other information provided by us or received by them in the processing of your insurance policy request, or other products or services. Providers may retain this information, whether or not you qualify for or take a insurance policy with them, and whether or not you are qualified for the goods or services offered. You agree to notify any particular Provider directly if you no longer want to receive communications from them. In addition, EliteHealthInsurers.com and Providers may share the information You provide to them with state licensing authorities and government regulators.
d. Consent to Receive Communications via E-mail, Telephone Calls and/or SMS Messaging By submitting a insurance policy quote request through the Websites, You consent to be contacted by our marketing partners and by each Provider that we transmit Your information to, and their affiliates and service providers, by: (i) telephone at the numbers You have provided whether landline or cellular, even if your phone number is on any Do Not Call list and You agree to receive pre-recorded calls and/or calls made with an automatic dialing system; (ii) by email at the email address You provided or at another address that may be associated with You that we receive from other parties; You agree that any such email will not be considered spam or unauthorized by any local, state or federal law or regulation; and/ or (iii) by SMS messaging to the mobile phone number that You provide, in which case data and messaging rates may apply. Consent is not required in order to purchase goods and services from EliteHealthInsurers.com or the Providers that reach out to You. By submitting insurance policy quote request through the Websites, You have established a business relationship between You and EliteHealthInsurers.com.
By saving Your information with the Websites or by making a submission, You give us permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind You of any information in regards to Your submission, including incomplete insurance policy quote requests, the delivery of insurance policy quote request offers, deadlines, quality of services or other matters in connection with your insurance policy quote request or any other good or service.
If at any time you do not wish to continue to receive communications from EliteHealthInsurers.com or its affiliates, you may contact EliteHealthInsurers.com to opt out at info@EliteHealthInsurers.com. If you wish to discontinue communications from Providers, contact them directly.
e. Identity Theft Prevention EliteHealthInsurers.com and/or Providers may obtain, verify and record information, such as name, Social Security Number, address, telephone number and date of birth, that will allow them to properly identify You. During the Provider’s formal application process, they also may ask to see Your driver’s license or other identifying documentation to further assist in certifying Your identity.
f. Compensation to EliteHealthInsurers.com EliteHealthInsurers.com is paid a marketing lead generation fee by Providers, including insurance companies, for the goods, facilities and services provided. Your use of the Websites and/or EliteHealthInsurers.com’s services constitutes Your agreement with this compensation arrangement. EliteHealthInsurers.com does not charge You a fee for its service in connecting You with Providers.
g. Not Professional Advice No substitute for professional advice. We provide Services solely for Your convenience, and such Services (i) are not intended as a substitute for professional advice; (ii) should not be construed as the provision of advice or recommendations; and (iii) should not be relied upon as the basis for any financial decision or action. We are not responsible for the accuracy or reliability of any Services. It is Your responsibility to evaluate the accuracy, completeness or usefulness of any Services available through the Websites. The relationship between You and us is not a professional or similar relationship; always seek the advice of a qualified professional with respect to any questions that You may have, and never disregard professional advice or delay in seeking it because of something that You have read on the Website.
Disclosures and Communications may transmit or convey information about action taken on Your request, portions of Your request that may be incomplete or require additional explanation, any notices required under applicable law, which may include any Federal Truth-in-Lending disclosures, State disclosures, other terms, conditions and documents, and the privacy policies of EliteHealthInsurers.com, and Providers. You have the right to receive any document in non-electronic form and to withdraw your consent to electronic delivery at any time by contacting EliteHealthInsurers.com at the Contact Us page.
By submitting a insurance policy quote request through the Websites, You consent to be contacted by our marketing partners and by each Provider that we transmit Your information to, and their affiliates and service providers, by: (i) telephone at the numbers You have provided whether landline or cellular, even if your phone number is on any Do Not Call list and You agree to receive pre-recorded calls and/or calls made with an automatic dialing system; (ii) by email at the email address You provided or at another address that may be associated with You that we receive from other parties; You agree that any such email will not be considered spam or unauthorized by any local, state or federal law or regulation; and/ or (iii) by SMS messaging to the mobile phone number that You provide, in which case data and messaging rates may apply. Consent is not required in order to purchase goods and services from EliteHealthInsurers.com or the Providers that reach out to You. By submitting an insurance quote policy request through the Websites, You have established a business relationship between You and EliteHealthInsurers.com. By saving Your information with the Websites or by making a submission, You give us permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind You of any information in regards to Your submission, including incomplete insurance quote policy requests, the delivery of insurance request offers, deadlines, quality of services or other matters in connection with your insurance policy quote request or any other good or service. If at any time you do not wish to continue to receive communications from EliteHealthInsurers.com or its affiliates, you may contact EliteHealthInsurers.com to opt out at info@EliteHealthInsurers.com. If you wish to discontinue communications from Providers, contact them directly.
THE WEBSITES AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS”. EliteHealthInsurers.com AND/OR ITS SUPPLIERS, SERVICE PROVIDERS, LENDERS, OR PROVIDERS DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITES AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. USE OF THE WEBSITES AND/OR ELITEMORTGAGEFINDER.COM’S SERVICES IS AT YOUR OWN RISK. EliteHealthInsurers.com AND/OR ITS SUPPLIERS, SERVICE PROVIDERS, LENDERS, OR PROVIDERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR THE INABILITY TO USE THE WEBSITES AND/OR ELITEMORTGAGEFINDER.COM’S SERVICES OR WITH THE DELAY OR INABILITY TO USE THE WEBSITES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITES, DATA OR PERSONAL INFORMATION, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO ELITEMORTGAGEFINDER.COM’SRECORDS, PROGRAMS OR SERVICES, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITES, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF EliteHealthInsurers.com AND/OR ITS SUPPLIERS, OR PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
Request for Other Products and Services (Including Finder/Locator Services) EliteHealthInsurers.com may allow You to request products and services other than policy on the Websites.
15. Release and Discharge YOU HEREBY RELEASE, REMISE AND FOREVER DISCHARGE EliteHealthInsurers.com AND ITS SERVICE PROVIDERS, AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, INFORMATION PROVIDERS, SERVICE PROVIDERS, SUPPLIERS, LICENSORS AND LICENSEES, AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE AND KIND WHATSOEVER AND HOWSOEVER ARISING, WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE WEBSITES.
This dispute resolution provision will be governed by the Federal Arbitration Act. In the event the American Arbitration Association is unwilling or unable to set a hearing date within one hundred and sixty (160) days of filing the case, then either EliteHealthInsurers.com or You can elect to have the arbitration administered instead by the Judicial Arbitration and Mediation Services. Judgment on the award rendered by the arbitrator may be entered in any court having competent jurisdiction. Any provision of applicable law notwithstanding, the arbitrator will not have authority to award damages, remedies or awards that conflict with this Agreement.
You may opt out of this agreement to arbitrate. If You do so, neither You nor EliteHealthInsurers.com can require the other to participate in an arbitration proceeding. To opt out, You must notify EliteHealthInsurers.com in writing within 30 days of the date that You first became subject to this arbitration provision. You must use this address to opt out: EliteHealthInsurers.com 138-07 82nd Drive, Briarwood, NY 11375
You must include your name and residence address, the email address You used, and a clear statement that You want to opt out of this arbitration agreement.
The arbitrator's award is final and binding on all parties, except that the losing party may request a new arbitration under the rules of the arbitration organization by a three-arbitrator panel.
If the prohibition against class actions and other claims brought on behalf of third parties contained above is found to be unenforceable, then all of the preceding language in this Arbitration Clause will be null and void. This arbitration agreement will survive the termination of Your relationship with EliteHealthInsurers.com.
In any arbitration, EliteHealthInsurers.com will pay the filing, administration, service or case management fee, plus the costs associated with the first day of arbitration, with the remaining costs to be paid by the non-prevailing party. EliteHealthInsurers.com will pay additional arbitration expenses to the extent that the arbitrator determines that EliteHealthInsurers.com must do so in order to ensure the enforceability of this Arbitration Clause. Each party shall be responsible for its own attorney, expert and other fees, unless awarded by the arbitrator under applicable law.
Should a dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between You and EliteHealthInsurers.com, the parties agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Manhattan, NY, except in the event of a claim in small claims court as provided for herein. If either party employs attorneys to enforce any right in connection with any dispute or lawsuit, the prevailing party shall be entitled to recover reasonable attorneys' fees.