Set forth below is the Terms of Use and Legal Disclaimer (collectively “Legal Disclaimer”) for Ideal Concepts, Inc. and InsureMe, Inc. (collectively “Company,” “we,” “us,” or “our”) which governs your use of this website located at www.InsureMe.com and its associated products and services. These terms describe your rights and obligations with respect to InsureMe.com and should be read carefully. By accessing the InsureMe.com website, you confirm that you have read the Legal Disclaimer, and that you agree to be bound by it. This includes how any disputes must be resolved through arbitration. If you do not agree to these terms, please stop using InsureMe.com immediately.
Your use of the InsureMe.com website is also governed by the Privacy Notice, located at Privacy Notice which is incorporated here by reference.
InsureMe.com is a service which allows consumers to research, quote, compare, and enroll into insurance coverage directly through the website. Through partnerships with a network of insurance agents and agencies, InsureMe.com also provides consumers personal consultative advice to help a client understand, decide on, and enroll into insurance coverage.
The information published on InsureMe.com is made available as a free service to our visitors, WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND. Any use of InsureMe.com is subject to the following disclaimers:
The InsureMe.com website is made available only for your personal, lawful, non-commercial use in connection with seeking insurance information, quotes, and enrollment. This website is not targeted towards, nor intended for use by, anyone under the age of eighteen (18). Additionally, use by a competitor company or other non-consumer third-party is strictly prohibited. By using this website, you represent and warrant that you are eighteen (18) years of age or older and are using the website for your personal and lawful use. In the event we become aware that you are not eligible for website use, we may terminate your registration. You also warrant that you have not previously been suspended or removed from this website.
n order to use certain features of this website, you may be required to establish an account and obtain a login name and password (“Account Credentials”). You authorize Company to process any account transactions initiated through the use of your Account Credentials and you accept responsibility for all activities that occur under your account. You are solely responsible for maintaining the confidentiality of your Account Credentials. If you have reason to believe that your account is no longer secure, you must immediately notify us at Help@insureme.com. In no event will Company be liable for the unauthorized use or misuse of your account or Account Credentials.
You are prohibited from violating or attempting to violate the security of the InsureMe.com website, including, without limitation: (a) accessing data not intended for such user or logging onto a server or an account which the user is not authorized to access; (b) attempting to probe, scan, or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; or (c) accessing or using the InsureMe.com website or any portion thereof without authorization, in violation of this Legal Disclaimer or in violation of applicable law.
You agree not to share or disclose your Account Credentials to any third-party. You agree that you are fully responsible for all activity occurring under your user ID. To the extent that you grant another party access to your account by sharing your Account Credentials, you will be responsible for any activities undertaken by such third-party through the use of your account. User shall be responsible for any access to or use of the InsureMe.com website by User or any person or entity using User's Account Credentials, whether or not such access or use has been authorized by User.
You may not use any scraper, crawler, spider, robot, or other automated means of any kind to access or copy data on the InsureMe.com website or bypass our robot exclusion headers or other measures we may use to prevent or restrict access to the InsureMe.com website. iFraming is strictly prohibited. You may deep link to a feature or content on the Site only with the prior written permission of both Company and the Centers for Medicare & Medicaid Services ("CMS").
Violations of system or network security may result in civil or criminal liability. Company will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations. You agree not to use any device, software, or routine to interfere or attempt to interfere with the proper working of this Site or any activity being conducted on this Site.
Company shall have the right, in its sole discretion, to deactivate a User's account or reset a User's Account Credentials for any reason, including if it determines that suspicious activity or misuse of the account has occurred.
User may use the InsureMe.com website only for lawful purposes and in accordance with this Legal Disclaimer under the Acceptable Use Policy and any other applicable documentation put forth by Company in relation to the InsureMe.com website. You agree to be bound by the applicable provisions of the Company Acceptable Use Policy, incorporated herein and made part of these terms of use by reference. In particular, and without limitation, you agree not to do any of the following:
Post, distribute, or otherwise make available or transmit any data, text, medium, or computer file, telephonic conversations, chat, or email exchanges that Company, in its sole discretion, deems to be: (a) defamatory, abusive, harassing, insulting, or threatening; (b) bigoted, hateful, or offensive; (c) vulgar, obscene, or sexually explicit; or (d) encouraging of or advocating illegal activity or discussing illegal activities with the intent to commit them;
Company shall have the right, in its sole discretion, to deactivate your account if it believes that you have done any of the above.
In order to ensure that information provided through the InsureMe.com website and HealthCare.gov remains accurate and available to you and all other visitors, we monitor network traffic to identify unauthorized attempts to upload or change information or otherwise cause damage to the websites. Use of HealthCare.gov constitutes consent to such monitoring and auditing. Unauthorized attempts to upload information and/or change information on these websites are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec.1001 and 1030.
The information you provide us via the InsureMe.com website is on a strictly voluntary basis. By voluntarily providing your contact information to us, you provide your electronic consent to receive marketing & telemarketing contact via automatic telephone dialing system, automated voice calls, AI generative voice calls, artificial/pre-recorded messages, email, and text message from Ideal Concepts, Inc., InsureMe, Inc., or their agents, for insurance, Medicare Advantage, Part D Prescription Drug, and Medicare Supplement plans, as well as other products or services, at the telephone number and email address you provide, even if the number you provided is on a State or Federal Do Not Call registry. You understand that telephone company may impose charges on you for these contacts. You also consent to the recording of my interaction with the web forms throughout this inquiry to validate my electronic consent. You understand that your consent to receive communications in this way is not required as a condition of purchasing goods or services. You understand can change my permission preferences at any time by emailing Consent@InsureMe.com.
By providing us with your email address, you agree to receive email communications from us for purposes related to your use of the InsureMe.com website or our other services, such as to provide you with help or information on using the InsureMe.com website. Standard text messaging and telephone minute charges applied by your cell phone carrier may apply. Company may, without further notice or warning and in our discretion, monitor and/or record telephone conversations for our business purposes, such as quality assurance and training purposes and to protect our rights and the rights of others. IF YOU WISH TO OPT OUT OF MARKETING EMAILS, YOU CAN UNSUBSCRIBE BY FOLLOWING THE UNSUBSCRIBE OPTIONS IN THE EMAIL ITSELF. IF YOU WISH TO OPT OUT OF TEXTS, YOU MAY REPLY “STOP” FROM THE MOBILE DEVICE RECEIVING THE MESSAGES. You understand that you may continue to receive communications while we process your opt-out request, and you may also receive a communication confirming the receipt of your opt-out request.
ALL INFORMATION, CONTENT, PRODUCTS OR SERVICES, AND OTHER MATERIALS OFFERED ON OR IN CONNECTION WITH THE INSUREME.COM WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED. THIS MEANS THE INSUREME.COM WEBSITE'S OWNERS INSUREME, INC. AND IDEAL CONCEPTS, INC. (“COMPANY”) EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE AND NON-INFRINGEMENT AND THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. NO INFORMATION CONVEYED EITHER ORALLY OR IN WRITING SHALL CREATE SUCH A WARRANTY.
Although Company reserves the right to update or correct information on the the InsureMe.com website at any time, in no way is the Company responsible for the accuracy, reliability, currency, or completeness of any information, content, materials, advice, products, services, functionality, or other resources available in connection with the InsureMe.com website, including information displayed directly on the website and/or communicated through third-party insurance agents and agency partners.
Company shall not be held liable for technical failures of, or inability to access or use, the InsureMe.com website for any reason at any time.
Although Company attempts to ensure the integrity and accuracy of the InsureMe.com website, it makes no representations, warranties, or guarantees whatsoever as to the correctness or accuracy of the InsureMe.com website and content thereon. It is possible that the InsureMe.com website could include typographical errors, inaccuracies, or other errors, and that unauthorized additions, deletions, and alterations could be made to the InsureMe.com website by third parties. In the event that an inaccuracy arises, please inform Company so that it can be corrected. Company reserves the right to unilaterally correct any inaccuracies on the InsureMe.com website without notice. Information contained on the InsureMe.com website may be changed or updated without notice. Additionally, Company shall have no responsibility or liability for information or content posted to the InsureMe.com website from any non-Company affiliated third-party.
Company's quotes are based on the information consumers provide on our detailed questionnaires. However, these quotes could change based on additional or contradictory information that emerges during the final insurance underwriting process. Additionally, in the event a quote shows an incorrect price due to typographical error or error in pricing information received from our carriers, the correct quotation based on our carriers' filed rates will control.
Product information and descriptions contained on the InsureMe.com website are not intended to be complete descriptions of all applicable terms, exclusions, and conditions, but are provided solely for informational purposes. Please refer to the actual policy for complete details of coverage under a specific policy.
The content of the InsureMe.com website, including, without limitation, text, copy, audio, video, photographs, illustrations, graphics, and other visuals, is for informational purposes only and does not constitute professional medical advice, diagnosis, treatment, or recommendations of any kind. You should always seek the advice of your qualified heath care professionals with any questions or concerns you may have regarding your individual needs and any medical conditions. Company does not recommend or endorse any specific tests, physicians, products, procedures, opinions, or other information that may be included on the InsureMe.com website. Reliance on any information appearing on the InsureMe.com website, whether provided by Company, its content providers, insurance companies, its clients, visitors to the InsureMe.com website, or others, is solely at your own risk.
Company may, in its sole discretion, suspend or terminate your account at any time, for any reason or no reason, with or without notice. You may terminate your account at any time by contacting us at help@insureme.com. Company reserves the right to modify or discontinue the InsureMe.com website at any time (including by limiting or discontinuing certain features of the InsureMe.com website), temporarily or permanently, upon reasonable notice to you. Company will have no liability for any change to the InsureMe.com website or any suspension or termination of your access to or use of the InsureMe.com website.
Company may upgrade, modify, change, or enhance the InsureMe.com website and convert user to a new version of the InsureMe.com website or revise this Legal Disclaimer at any time in its sole discretion, with or without notice. Any such revision or change will be binding after posting of the revised Legal Disclaimer or change to the InsureMe.com website on Company's website, or upon notification to you by e-mail. By continuing to use the InsureMe.com website after any revision to this Legal Disclaimer or change in the InsureMe.com website, you agree to abide by and be bound by any such revisions or changes. If you do not agree to such revisions or changes, you may cancel your account by sending Company a notice, as set forth herein, stating that you would like to cancel your account. Certain provisions of this Legal Disclaimer may be superseded by expressly designated legal notices or terms located on particular pages within this Site.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMPANY SHALL NOT BE LIABLE FOR ANY LOSS, DAMAGE, INJURY, OR CLAIM, NOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES OF ANY KIND, WHETHER SUCH ACTION IS BASED IN TORT, CONTRACT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE WHICH ARISE OUT OF OR RELATES IN ANY WAY TO THE INFORMATION, CONTENT, MATERIALS, ADVICE, PRODUCTS, SERVICES, FUNCTIONALITY, OR OTHER RESOURCES AVAILABLE ON OR IN CONNECTION WITH THE INSUREME.COM WEBSITE OR ANY THIRD-PARTY WEBSITE.
Company does not guarantee that you will qualify for products or services offered through the InsureMe.com website.
You agree, at your expense, to indemnify, defend, and hold harmless Company, its officers, directors, employees, agents, affiliates, distributors, dealers, and licensees from and against any judgment, losses, deficiencies, damages, liabilities, costs, and expenses (including reasonable attorneys' fees and expenses) incurred in connection with or arising from any claim, demand, suit, action, or proceeding arising out of: (i) your breach of these this Legal Disclaimer; (ii) in connection with your use of the InsureMe.com website; or (iii) your violation of any law or right of any third-party. Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such matter without the prior written consent of Company. This indemnification section will survive any termination or expiration of this Legal Disclaimer.
By using the InsureMe.com website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable. If you do not think they are reasonable, you must not use the InsureMe.com website.
You accept that Company has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against Company’s officers or employees in respect of any losses you suffer in connection with the InsureMe.com website.
Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this Legal Disclaimer will protect Company's officers, employees, agents, subsidiaries, successors, assigns, and sub-contractors as well as Company.
If any provision of this Legal Disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this Legal Disclaimer.
ALL DISPUTES ARISING OUT OF OR RELATED TO THIS AGREEMENT OR ANY ASPECT OF THE RELATIONSHIP BETWEEN YOU, ON THE ONE HAND, AND COMPANY OR ITS SUPPLIERS OR VENDORS, ON THE OTHER HAND, WHETHER BASED IN CONTRACT, TORT, STATUTE, FRAUD, MISREPRESENTATION, OR ANY OTHER LEGAL THEORY, WILL BE RESOLVED THROUGH FINAL AND BINDING ARBITRATION BEFORE A NEUTRAL ARBITRATOR INSTEAD OF IN A COURT BY A JUDGE OR JURY AND YOU AGREE THAT COMPANY AND YOU ARE EACH WAIVING THE RIGHT TO TRIAL BY A JURY. YOU AGREE THAT ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS AND REPRESENTATIVE ARBITRATIONS AND CLASS AND REPRESENTATIVE ACTIONS ARE NOT PERMITTED AND YOU ARE AGREEING TO GIVE UP THE ABILITY TO PARTICIPATE IN A CLASS AND/OR REPRESENTATIVE ACTION. The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (currently available at https://www.adr.org/sites/default/files/Consumer_Rules_Web_2.pdf), as amended by this Agreement.
The arbitrator will conduct hearings, if any, by teleconference or video conference, rather than by personal appearances, unless the arbitrator determines upon request by you or by us that an in-person hearing is appropriate. Any in-person appearances will be held at a location which is reasonably convenient to both parties with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, such determination should be made by the AAA or by the arbitrator. If you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, COMPANY will pay as much of your filing and hearing fees in connection with the arbitration as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. The arbitrator's decision will follow the terms of this Agreement and will be final and binding. The arbitrator shall decide all gateway issues, including arbitrarily and disputes concerning the scope of this arbitration provision. The arbitrator will have authority to award temporary, interim, or permanent injunctive relief or relief providing for specific performance of this Agreement, but only to the extent necessary to provide relief warranted by the individual claim before the arbitrator. The award rendered by the arbitrator may be confirmed and enforced in any court having jurisdiction thereof. Notwithstanding any of the foregoing, nothing in this Agreement will preclude you from bringing issues to the attention of federal, state, or local agencies and, if the law allows, such agencies can seek relief against us for you.
With the exception of any of the language above in this Dispute Resolution provision relating to the waiver of class and representative actions, if a court decides that any part of this Dispute Resolution provision is invalid or unenforceable, the other parts of this Dispute Resolution provision shall still apply. If a court or arbitrator decides that any aspect of the language above in this Dispute Resolution provision relating to the waiver of class and representative actions is invalid or unenforceable, then the entirety of this Dispute Resolution provision shall be null and void. The remainder of the Agreement will continue to apply and be unaffected by this severability provision.
Furthermore, if a court or arbitrator decides that any aspect of the language above in this Dispute Resolution provision relating to the waiver of class and representative actions is invalid or unenforceable or that, for any other reason, a dispute is not subject to arbitration, you are also waiving your right to pursue a class and/or representative in court.
The validity, construction, and performance of this Agreement and the legal relations among the Parties to this Agreement shall be governed by and construed in accordance with the laws of the Pennsylvania without giving effect to its conflict of law principles. In any arbitration proceedings, the arbitrator will apply the laws of the Pennsylvania without regard to principles of conflict of laws. To the extent a claim is deemed not to be arbitrable, the parties agree that venue shall be in either the Court of Common Pleas of Lehigh County, Pennsylvania, or the Federal Court for the Eastern District of Pennsylvania as appropriate under the jurisdictional rules applicable to such courts.
The InsureMe.com website and/or web pages may contain links and/or materials from sites and/or pages not owned, controlled, or maintained by Company. Any information, endorsements, materials, or personal opinions appearing on such external sites and/or pages are not controlled, sponsored, or approved by Company. This information is provided by Company merely as a public service. Company waives any legal responsibility for what a user may find on external sites and/or pages that are linked from the InsureMe.com website and/or web pages.
Company has made the content of the website and/or web pages available to the public, yet no one may copy or distribute the information contained therein without the express consent of Company. However, Company makes no express or implied warranty that materials contained therein are free of copyright claims or other restrictions or limitations of free use or display. Company including its authors and licensed insurance professional partners shall not be held liable for any damages that may arise from viewing, distributing, or copying of materials on its websites and/or web pages.
If you know or suspect that any of the materials on the website have been used or copied in a way that constitutes copyright infringement, please send notice to our designated agent identified below. According to the U.S. Digital Millennium Copyright Act, 17 U.S.C. § 512(c)(3), your notice must comply with the following requirements:
The designated agent for notice of copyright infringement claims may be reached as follows:
The preceding information is provided exclusively for notifying us that your copyrighted material may have been infringed. All other inquiries, such as product related questions and requests or concerns regarding improper postings and/or content, will not receive a response through this process.
If a revision, in our sole discretion, is material, the InsureMe.com website will notify you. It is your responsibility to check periodically for any changes we make to the Legal Disclaimer. Your continued use of the InsureMe.com website after any changes to the Legal Disclaimer means you accept the changes.