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Terms and Conditions of Use

Please read these Terms and Conditions of Use ("Terms of Use") carefully before using our services. Our services (“Services”) are powered by Ritter Insurance Marketing LLC (hereinafter referred to as “Company”). Your use of our Services is governed by these Terms of Use, and is further subject to our Privacy Statement.

By using any part of our Services, you agree to be bound by these Terms of Use. If you do not agree with any part of these Terms of Use, you must exit this site. Note that these Terms of Use may be amended or modified from time to time and at any time, without advanced notice.

Legal Jurisdictions Only

The insurance services and products described within our Services are only for persons in those states and jurisdictions where such products and services may legally be sold. Nothing within our Services shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful.

Legal Authority

If you use our Services, you warrant that you are at least 18 years of age and possess the legal authority to use our Services in accordance with all terms and conditions herein. The Company does not sell products or services to minors. If you are purchasing a product or service on behalf of a minor, you agree to supervise all usage by minors of our Services under your name or account. You also warrant that all information supplied by you or members of your household in using our Services is true and accurate.

Applicable Law

By using our Services, you agree that the laws of the Commonwealth of Pennsylvania, without regard to principles of conflict of laws, will exclusively govern these Legal and Licensing terms and any dispute of any sort that may arise between you and the Company.

Permitted Use

Our Services are for the use of consumers who are researching and purchasing of individual health insurance products. The content, graphics, information, quotations, code and software used on or incorporated into our Services (collectively "Content") is made available for your personal use in connection with the generation and display of health insurance quotations only or facilitation of individual health insurance application through our electronic enrollment process. You are not permitted to use our Services or the Content for any commercial or non-personal purpose (direct or indirect) unless agreed to in writing by the Company. The Company reserves the right to prevent any party who engages in such non-permitted use(s) from accessing our Services.

Content

All Content included in our Services, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of the Company protected by United States and international copyright laws. All content and the software used are the exclusive properties of the Company and protected by United States and international copyright laws.

Information You Provide

By using our Services, completing the user registration, or filling out a health insurance application through the utilization of our Services, you are solely responsible for any personal information that you provide to us. You hereby grant the Company and its agents the right to use and store the personal information in a manner consistent with the intended use of our Services. The Company will use the personal information in a manner consistent with our Privacy Statement. In addition to use your personal information to process your request which may include request to be contacted by a licensed insurance agent or to process your enrollment application, we may disclose personal information if required to process your request or if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce these terms and conditions; (c) respond to claims that any Content violates the rights of third-parties; or (d) protect our rights, property, or personal safety, its users and the public.

Password Registration

If applicable, certain features or services offered of our Services may require you to create an account or for the Company to issue a user name, password to you. You are solely responsible for maintaining the confidentiality of your account information, including your user identification, password and any and all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or password, or any other breach of security. The Company will not be liable for any loss that you may incur as a result of someone else using your password, either with or without your knowledge. However, you could be held liable for losses incurred by us or another party due to someone else using your password.

Access Restrictions / Termination

If applicable, the Company reserves the right, in its sole discretion, to modify your access or terminate your access to our Services and the materials or any portion thereof at any time, without notice.

Disclaimer / Liability Limitation

You agree that from time to time our Services may be inaccessible or inoperable for any reason, including, without limitation, equipment malfunctions, periodic maintenance procedures or repairs which we may undertake from time to time, or causes beyond the reasonable control of the Company or its agents or which are not reasonably foreseeable by the Company. In each case, you agree not to hold the Company responsible for any damages proximately caused by such delay or lack of access. In addition, The Company is not responsible for any loss of your personal information resulting from deletion or corruption or otherwise. While the Company uses reasonable efforts to include accurate and up-to-date information within our Services, the Company makes no warranties or representations as to accuracy of the Contents. The Company assumes no liability or responsibility for any errors or omissions in the Contents within our Services. Changes may be periodically made to the information at any time without notice.

OUR SERVICES AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" OR “AS AVAILABLE” BASIS WITHOUT ANY WARRANTY OR CONDITION OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY. THE COMPANY EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, WHETHER EXPRESS, ORAL, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, ANY IMPLIED WARRANTY OF MERCHANTABILITY, ANY WARRANTIES ARISING BY VIRTUE OF CUSTOM OF TRADE OR COURSE OF DEALING. FURTHER, THE COMPANY DOES NOT REPRESENT OR WARRANT THAT OUR SERVICES OR THE INFORMATION PROVIDED TO YOU THROUGH UTILIZATION OF OUR SERVICES WILL MEET YOUR REQUIREMENTS, WILL BE PROVIDED WITHOUT VIRUS OR OTHER HARMFUL COMPONENTS OR CONDITIONS, OR WILL BE ACCURATE AS OF ANY PARTICULAR DATE. SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

YOU EXPRESSLY AGREE THAT YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK. THE COMPANY SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND RELATED TO YOUR USE OF OUR SERVICES. THE COMPANY DOES NOT WARRANT THAT THE USE OF OUR SERVICES WILL BE UNINTERRUPTED OR ERROR FREE, NOR DOES THE COMPANY MAKE ANY WARRANTY AS TO ANY RESULTS THAT MAY BE OBTAINED BY USE OF OUR SERVICES.

IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING SPECIAL, INDIRECT, CONSEQUENTIAL OR INCIDENTAL DAMAGES OR DAMAGES FOR LOSS OF PROFITS, REVENUE, USE, OR DATA WHETHER BROUGHT IN CONTRACT OR TORT, ARISING OUT OF OR RELATING TO YOUR USE OF OUR SERVICES, OR YOUR RELIANCE UPON OR USE OF ANY INFORMATION CONTAINED IN OR ACCESSED FROM OUR SERVICES. YOUR SOLE AND EXCLUSIVE REMEDY HEREUNDER IS FOR YOU TO DISCONTINUE YOUR USE OF OUR SERVICES.

Indemnification

You agree to indemnify and hold harmless the Company (and its 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 materials, your violation of these terms and conditions, your violation of any law, or infringement by you of any right of any person or entity.

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