More Health Quotes | Terms of Use

More Health Quotes Terms of Use

Effective Date: 01/01/2025

Welcome to More Health Quotes™ ("Company," "we," "our," or "us"). More Health Quotes™ is owned by Kingdom First Health™. These Terms of Use ("Terms") govern your use of our website, services, and any content provided by us (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.

1. Acceptance of Terms

By clicking 'I Agree' or continuing to use our Services, you acknowledge that you have read, understood, and agreed to these Terms of Use. You represent that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are using the Services on behalf of an entity, you agree to these Terms on behalf of that entity.

2. Changes to Terms

We reserve the right to modify these Terms at any time. If material changes are made, we will notify users via email or by posting a notice on our website. Your continued use of the Services after changes are posted constitutes your acceptance of the revised Terms.

3. Use of Services

You agree to use our Services only for lawful purposes and in accordance with these Terms. You shall not:

Violate any applicable laws or regulations, including HIPAA, TCPA, CAN-SPAM, and any other consumer protection laws.
Interfere with or disrupt the security or integrity of the Services.
Use automated means to access the Services without our permission.
Engage in fraudulent, deceptive, or misleading activities.

4. Health Insurance and Regulatory Compliance

More Health Quotes™ is not an insurance provider. We connect consumers with licensed insurance agents and brokers.
Any health-related information submitted through our Services is handled in compliance with HIPAA guidelines to protect your personal and medical data.
By submitting your information, you consent to being contacted via phone, SMS, email, or other forms of communication as permitted under the TCPA and CAN-SPAM Act.

5. Consumer Data Collection & Use

By submitting your information, you consent to the collection, storage, and use of your data to match you with insurance options, communicate with you about your inquiry, and provide relevant health coverage information.
We may share your data with trusted third-party service providers who assist us in operating our business, such as CRM systems, email platforms, and analytics providers, in compliance with applicable laws.

6. Opt-Out & Communication Preferences

You may opt out of receiving communications from us at any time by following the unsubscribe instructions in an email or by replying ‘STOP’ to SMS messages. Please allow up to 10 business days for processing.

7. Security & Data Protection

We implement commercially reasonable security measures to protect your information. However, no data transmission over the internet can be guaranteed to be completely secure, and you use our Services at your own risk.

8. No Professional or Legal Advice Disclaimer

The content on this website is for informational purposes only and should not be construed as professional insurance, legal, or financial advice. For specific insurance recommendations, consult a licensed insurance agent.

9. State-Specific Consumer Privacy Laws

If you are a resident of California, you may have additional rights under the California Consumer Privacy Act (CCPA). Please review our Privacy Policy for more details on how you can exercise these rights.

10. Disclaimers and Limitation of Liability

Our Services are provided "as is" without warranties of any kind.
To the maximum extent permitted by law, More Health Quotes™ and its affiliates shall not be liable for any damages, including but not limited to direct, indirect, incidental, punitive, or consequential damages.
We do not guarantee uninterrupted or error-free operation of the Services.
Users agree to indemnify and hold More Health Quotes™ harmless from any claims, damages, or expenses arising from their use of the Services.

11. Dispute Resolution and Arbitration

Any disputes arising out of or related to these Terms shall be resolved through binding arbitration in Miami, Florida, under the rules of the American Arbitration Association. Users waive the right to participate in class actions or class-wide litigation.

12. Force Majeure

More Health Quotes™ shall not be liable for any failure or delay in performing its obligations due to circumstances beyond its reasonable control, including but not limited to natural disasters, governmental actions, pandemics, cyberattacks, and acts of terrorism.

13. No Guarantee of Insurance Coverage

Submitting an inquiry or application through our website does not guarantee approval for insurance coverage. Final eligibility is determined by the insurance provider.

14. Refund and Cancellation Policy

All sales are final. No refunds will be issued unless required by law.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Florida, without regard to its conflict of laws principles.

17. Contact Information

If you have any questions about these Terms, please contact us at morehealthquotes@gmail.com. Our principal office is located in Miami, Florida.

By using our Services, you acknowledge that you have read, understood, and agreed to these Terms of Use.