Terms of Service

TERMS OF SERVICE

Effective Date: November 26, 2025
Last Updated: November 26, 2025

These Terms of Service (“Terms”) govern your use of the website located at https://healthinscenter.com/ (“Website”), operated by The Health Insurance Center LLC (“Company,” “we,” “our,” or “us”). By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, do not use this Website.

1. About The Health Insurance Center LLC

The Health Insurance Center LLC is an independent health insurance agency located at:

3219 South 70th St #3
Fort Smith, Arkansas 72903
Phone: (479) 484-0077
Email: [email protected]

We provide insurance education, plan comparisons, enrollment assistance, and consultation services for individual health, Medicare products, and employer group health benefits. We may also provide referrals for life insurance, annuities, and retirement-related products through licensed professionals.

We are not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

2. Informational Purposes Only (No Professional Advice)

Content on this Website is provided for general informational purposes only and does not constitute:

• Legal advice

• Tax advice

• Financial planning advice

• Investment advice

• Medical advice.

All insurance decisions should be made with the help of a licensed professional who understands your individual circumstances. You are solely responsible for verifying that any plan or recommendation is appropriate for your needs.

3. Medicare Required Disclaimers

Because we offer assistance with Medicare products, we are required to include the following federally mandated statements:

• We do not offer every plan available in your area.
• Any information we provide is limited to those plans we do offer.
• Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

Additionally:

The Health Insurance Center LLC is not connected with or endorsed by the United States government or the federal Medicare program.

4. Eligibility

You must be 18 years of age or older to use this Website or submit information through our forms.

This Website is intended for U.S. residents only.

5. Website Use & Restrictions

By using this Website, you agree not to:

• Misuse, hack, or interfere with the Website

• Use the Website for unlawful purposes

• Submit false, misleading, or incomplete information

• Use automated tools (bots, scrapers, etc.) without permission

• Attempt to breach Website security

• Copy, reproduce, modify, or distribute Website content without permission

We may suspend or block access to the Website at any time for any reason.

6. No Payments Collected Through This Website

We do not directly collect or process payment information through this Website.

If you apply for insurance:

Your payment data (credit card, bank account, premium info) is collected directly by the insurance carrier or a secure third-party enrollment platform.

We do not store or manage payment credentials on our servers.

7. Third-Party Tools, Pixels, and Data Tracking

Our Website may use:

• (CRM, forms, analytics)

• Scheduling tools

• Meta (Facebook) Pixel

• Standard tracking technologies

• Cookies, analytics, and advertising integrations

By using this Website, you consent to the use of cookies and tracking technologies described in our Privacy Policy.

8. Submitted Information

By submitting information through our Website forms, you agree that:

• You are providing accurate information

• You authorize us to contact you by phone, email, or text

• You consent to communication even if you are on a federal or state Do-Not-Call Registry

• Communication may include insurance quotes, follow-ups, or educational content

You may opt out at any time by contacting us at [email protected] or replying “STOP” to text communications.

9. Communications & Consent

By using this Website, you consent to receive:

• Phone calls

• SMS text messages

• Emails

• Voicemails

• Automated scheduling confirmations

• Insurance-related communications

We only contact you in relation to services you request or authorize.

We comply with TCPA, CAN-SPAM, and all applicable federal and Arkansas communication laws.

10. Intellectual Property

All Website content, including logos, text, graphics, icons, images, videos, and software, is owned by The Health Insurance Center LLC or its licensors.

You may not:

• Copy

• Reproduce

• Modify

• Sell

• Publish

• Reverse engineer

• Redistribute

…any part of the Website or its materials without written permission.

Carrier logos used on this Website remain trademarks of their respective owners and are displayed for descriptive purposes only.

11. Third-Party Websites & External Links

This Website may contain links to third-party websites, tools, or platforms.

We are not responsible for:

• Their content

• Their privacy practices

• Their security

• Their accuracy

Anything that occurs once you leave our Website, you access third-party sites at your own risk.

12. Limitation of Liability

To the maximum extent allowed by law:

The Health Insurance Center LLC, its owners, agents, employees, and affiliates shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of this Website.

Our total liability for any claim shall not exceed:

$100 or the amount you paid to us for use of this Website, whichever is greater (usually $0).

You agree to hold us harmless for any reliance on information provided through the Website.

13. No Guarantee of Insurance Coverage

We do not guarantee:

• That you will qualify for any particular insurance plan

• That any plan will remain available

• That carrier premiums, benefits, or availability will remain the same

• Enrollment into any insurance product

Insurance approval decisions are made solely by the insurance carriers.

14. Indemnification

You agree to indemnify and hold harmless The Health Insurance Center LLC from any claims, damages, losses, or expenses arising from:

• Your use of this Website

• Your violation of these Terms

• Your submission of inaccurate information

• Your misuse of insurance products or advice

This obligation survives termination of these Terms.

15. Arbitration Agreement

Any dispute, claim, or controversy arising out of or related to these Terms or your use of the Website shall be resolved through binding arbitration in the State of Arkansas.

You agree that:

• You waive the right to a jury trial

• You waive the right to participate in class actions

• Arbitration will be administered under AAA rules

• The arbitrator’s decision is final and binding

This clause survives termination of these Terms.

16. Privacy Policy

Your use of this Website is also governed by our Privacy Policy, which explains:

• How we collect information

• How we use information

• How we share information

• Your privacy rights

• Cookies and tracking

• Data security

By using this Website, you acknowledge and agree to the Privacy Policy.

17. Changes to These Terms

We may update or revise these Terms at any time. Updated Terms become effective upon posting to this Website.

Your continued use of the Website means you accept any changes.

18. Contact Information

For questions about these Terms or your rights:

The Health Insurance Center LLC
3219 South 70th St #3
Fort Smith, Arkansas 72903
Phone: (479) 484-0077
Email: [email protected]