1. Acceptance of Terms

By accessing or using our Site, you accept these Terms and our [Privacy Policy]. If you do not agree with these Terms, you must not use the Site.

2. Services Provided

We offer health insurance-related information, policy details, premium calculators, online purchase options, and customer support tools. These services may change or be removed at our sole discretion.

3. Eligibility

Use of this Site is only available to individuals who are at least 18 years old and legally capable of entering into a binding agreement.

4. No Medical Advice

The content on this Site is for informational purposes only and is not a substitute for professional medical advice, diagnosis, or treatment.

5. Insurance Product Disclaimer

All insurance products and coverages are subject to the terms and conditions of the applicable insurance policy. Purchasing insurance via this Site does not guarantee approval. Final eligibility is determined by underwriting criteria.

6. User Responsibilities

You agree:

To provide accurate and complete information when using the Site

Not to misuse the Site for illegal or fraudulent purposes

Not to use bots, crawlers, or automated systems to extract data

7. Intellectual Property

All content, trademarks, logos, and design elements on this Site are owned by or licensed to [Your Company Name]. You may not use them without prior written consent.

8. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the content or policies of these external sites.

9. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this Site or reliance on any information provided.

10. Indemnification

You agree to indemnify and hold harmless [Your Company Name] from any claims, liabilities, or damages resulting from your violation of these Terms.

11. Modifications

We reserve the right to modify these Terms at any time. Updates will be posted on this page with an updated effective date. Continued use of the Site after changes means you accept the revised Terms.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of [Your Country/State], without regard to its conflict of law principles.