Effective Date: November 26, 2014.
Vimo, Inc. dba GetInsured (“GetInsured”, “we” or “us”) runs and operates the website www.getinsured.com (the “Site”) which is an integrated comparison-shopping portal for healthcare insurance related products and services in the United States. The Site allows you to research, compare, and purchase healthcare products (the “Services”).
When you use the Site to obtain the Services, you agree to these Terms of Service, the Terms and Conditions (which define the general terms of use of the Site for all visitors), the Insurance Disclaimers, the Privacy Notice, and the other terms that are displayed on the Legal Notices page of the Site.
Terms
1. Insurance Information
To receive the Services, you may be required to provide us with information about you (“Insurance Information”) that is relevant to determining the type of insurance for which you may qualify, such as certain information about your life habits or your health, as requested on the various questionnaires posted on our Site.
If you elect to provide Insurance Information to us, you agree to provide true, current, complete, and accurate information, and not to misrepresent your identity. You also agree to keep this Insurance Information current and up-to-date. GetInsured’s collection, use, and disclosure of Insurance Information is governed by these Terms of Service and our other terms, posted on the Legal Notices page.
2. GetInsured Role
GetInsured, through the Site, provides a place through which you can obtain information and you can find third-parties, such as insurance companies, licensed agents, health care providers, health savings account trustees and others insurance related professionals with whom we have privileged relationship (“Business Partners”).
We do not endorse the products or services of any Business Partner, and we are not an advisor to you or to any Business Partner. We do not validate or investigate the licensing, certification or other requirements and qualifications of Business Partners. It is your responsibility to investigate Business Partners before doing business with them.
3. Requests for Quotes or Offers
The Site may give you the opportunity to request to be matched with, and receive quotes or offers from, Business Partners (a “Quote Request”). Portions of the Site providing this opportunity (the “Quote Request Areas”) are only available to residents of the United States.
GetInsured makes no guarantee that you will be matched with a Business Partner if you submit a Quote Request.
If you make a Quote Request, you agree that any information that you provide in connection with your Quote Request may be used and disclosed as set forth in the Privacy Notice.
Without limiting anything in the Privacy Notice, you authorize Business Partners, and their affiliates and third-party Business Partners, to conduct all necessary research with your Insurance Information, for purposes of providing you with your Quote Request.
In addition, if you make a Quote Request, you expressly authorize us to contact you by telephone and email at the number and address provided in your Quote Request, for purposes of providing you with the quotes, products, and services indicated in your Quote Request. If you wish that we stop calling you, please contact us as indicated in the How to Contact Us section.
Once we have contacted you, if we are not able to provide the service you need, we may, if you agree, transfer you to a Business Partner who may be able to further assist you. If you wish that we refrain from transferring your information, including Insurance Information, to a Business Partner, please contact us as indicated in the How to Contact Us section.
You consent to receive telephone calls from us, even if the phone number that you provided on your Quote Request is on any “Do Not Call” list. You also consent to GetInsured and the Business Partners making pre-recorded calls to the phone numbers that you will have provided, in order to remind you of deadlines or other issues in connection with your Quote Request.
4. Participating Business Partners
You acknowledge and agree that Business Partners are solely responsible for any product or service that they may provide to you and that we shall not be liable for any losses, costs, damages or claims in connection with, arising from or related to your use of a Business Partner’s products or services.
We encourage you to obtain the advice of insurance agents, brokers or other qualified professionals who are fully aware of your individual circumstances before you make any insurance decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Business Partners.
You are solely responsible for complying with applicable laws and regulations in connection with your use of any services offered by a Business Partner.
5. GetInsured is Not a Business Partner
You acknowledge and agree that GetInsured is not an insurance provider or other Business Partner. We do not, and will not, make any coverage decision with any Business Partner referred to you. We do not issue insurance coverage or any other insurance products or services. Instead, through the Site, we may help to connect you with Business Partners that might meet your needs based on information provided by you.
6. No Guarantee of Quotes, Fees, Terms, Rates, Coverage, or Services
We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage, products or services offered or made available by Business Partners. We do not guarantee that quotes, fees, terms, rates, coverage, products or services offered by Business Partners are the best available.
7. Healthcare Provider Directory
Our healthcare provider directory offers the ability to conduct searches to identify the plans or insurance carriers with which a healthcare provider or provider group has signed a provider agreement. This information is provided “as is,” free of charge, for your convenience, and for informational purposes only. It does not constitute a recommendation of any physician or service.
We decline any responsibility or liability for the information that you obtain from our directory, and for any use you make of this information. We do not represent that the information you obtain through our directory will be complete, accurate, or up-to-date. For example, a provider agreement might be cancelled or changed, or a physician might relocate.
You should contact the applicable healthcare insurance carrier to confirm the scope and extent of their provider agreement, and its application to your specific case before using any of the provider’s services.
If you are a provider or insurance carrier, and you wish to update or supplement the information in our directory regarding you or your entity, please contact us as indicated in the How to Contact Us section below.
8. Fees for the Services
Unless you are a Business Partner, we do not charge you a fee to use the Site. We are not involved with and are not responsible for any fee arrangement that you may enter into with any Business Partner. However, Business Partners may pay GetInsured fees for services and to be matched with users of the Site.
You acknowledge and agree to this compensation arrangement. You hereby release GetInsured from any and all losses, costs, damages, or claims in connection with, arising from or related to your use of a Business Partner’s products or services, including any fees charged by a Business Partner.
Access and use of the Site is free. However, at any time, we may choose to charge fees for premium features and services, and we will notify you of those charges at the time that we offers features and services for a fee.
9. Changes
We may, in our sole discretion, and by notifying you on the Site, change the provisions of these Terms of Service, begin charging for access to the Site and other features and services, add, remove or change the features and services we offers or the fees (including the amount and type of fees) we charge at any time.
If GetInsured introduces a new service or charges a new fee, we will establish and notify you of the fees for that service at the launch of the service or start of charging a new fee. If GetInsured notifies you of new fees or changes the fees for an existing service, and you do not contact us to cancel the service, then you agree to pay all fees and charges specified and all applicable taxes for your continued use of the applicable service.
10. How to Contact Us
If you have any questions, comments, concerns, complaints or claims with respect to the Site, the GetInsured.com services, other users of the Site, if your account has been compromised by a hacker or scammer, or if you have any other concern, please contact us as indicated below. We will investigate and attempt to resolve the matter.
If you have any questions regarding these Terms or the Site, please contact us by email at customersupport@getinsured.com, by phone at 866-602-8466, or by mail at: GetInsured at 1305 Terra Bella Ave., Mountain View, CA 94043 (USA).