This website HMNavigators.com (the "site") is owned by Healthcare Marketplace Navigators and is used in partnership with certified health insurance provider Enhance Health. This site is not maintained by or affiliated with Healthcare.gov. Healthcare.gov bears no responsibility for site content. These Terms and Conditions ("Terms") are an agreement between Enhance Healthcare and you, as a user of the site.
Please review the Terms carefully before using the site or starting an application. By using the site or submitting information to us, you accept and agree to be legally bound by the Terms. If you do not understand or do not wish to be bound by the Terms, do not use the site or submit any information.
HMNavigators.com reserves the right to modify these Terms or the site at any time. Any changes to the Terms will be effective immediately upon posting on this page, with an updated effective date. By accessing the site after changes have been made, you signify your agreement to the modified Terms.
HMNavigators.com represents a network of licensed health insurance representatives. We help our customers obtain health insurance coverage from a number of providers. You may apply for an ACA plan by submitting information on our site and contact phone number. You may also, at any time during the application process, decide to apply for and obtain insurance directly from Healthcare.gov at their website.
4. Permission to Act On Your Behalf
Any instructions, choices, or requests you make on our site will be considered your written permission to HMNavigators.com and Enhance Health to provide information or conduct transactions on your behalf.
You agree to use our site only for lawful purposes and in compliance with all federal and state laws. By using the site, you agree to:
You may be able to register for a personal account (an "Account") by creating a username and password and security questions and answer.
You are solely responsible for all activities that occur through your Account. HMNavigators.com and Enhance Health are not liable for any loss or damage resulting from your failure to safeguard your password and account.
You agree that you will not share access to your Account with anyone. You agree to notify HMNavigators.com and Enhance Health immediately of any actual or suspected unauthorized use of your account at firstname.lastname@example.org..
7. Intellectual Property
HMNavigators.com logos, trademarks and service marks ("Marks") are the property of HMNavigators.com and are protected under United States and foreign laws. "Healthcare.gov" and the "Healthcare.gov" Logos are registered trademarks or service marks of Healthcare.gov, in the United States. All other trademarks, service marks and logos used on the site, with or without attribution, are the trademarks, service marks or logos of their respective owners.
8. Data Privacy and Security
HMNavigators.com collects, uses and shares your personal information in accordance with our Privacy Notices. We handle your personal information in compliance with federal and state law and regulations. By using the site, you agree to the terms described in the Privacy Notices. If you do not agree to the information practices described in the Privacy Notices, you should not use the site.
HMNavigators.com uses reasonable administrative, physical and technical measures to safeguard your personal information. If you have questions or concerns about our privacy or security practices, please contact us at email@example.com.
9. Links to External Websites
In the event HMNavigators.com provides links to third-party websites or services, we do so for information purposes only. We make no representations as to the accuracy, legality or availability of any such sites.
10. Third-Party Web Applications
HMNavigators.com offers a variety of social media services, like Facebook, Twitter, YouTube, and Instagram, to communicate and interact with citizens through third-party website applications (TPWA). Your use of TPWAs is completely voluntary and in no way limits your use of our site. Your activity using these TPWAs is governed by the security and privacy policies of those sites. You should review the third-party privacy policies before using the sites and ensure that you understand how your information may be used. Information posted or submitted using TWPAs may become publicly available. Please do not post personally identifiable information you wish to keep private.
11. Additional Terms
Once you provide information on our site, we use that information to determine pricing and eligibility for health insurance policies with insurers, including a state exchange. The terms and privacy policies of those providers may apply to the services and products offered. In the event of that such additional terms and these Terms conflict, such additional terms will control.
12. No Warranties
This site is provided "as is" and "as available" with no warranties whatsoever. To the maximum extent permitted by law, HMNavigators.com, its officers, directors, employees, successors, contractors, service providers, and assignees makes no warranties or representations about the site. HMNavigators.com disclaims all liability for (i) the accuracy, availability or reliability of the site or site content, (ii) harm to your computer, loss of data or other harm resulting from your access to the site, (iii) loss of or failure to transmit user data, and other loss or damage arising from your use of the site.
13. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, HMNavigators.com AND ENHANCE HEALTH SHALL NOT BE LIABLE TO YOU ON ANY THEORY OF LAW FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE DAMAGES, OR LOSS OF PROFITS, REVENUES, DATA, GOODWILL OR ANY OTHER INTANGIBLE LOSSES RESULTING FROM YOUR USE OF THE SITE, INCLUDING (I) THE INABILITY TO ACCESS THE SITE, (II) DATA LOSS, (III) UNAUTHORIZED USE OR ACCESS OF YOUR ACCOUNT.
You agree to defend, indemnify, and hold HMNavigators.com and Enhance Health, its officers, directors, employees, successors, contractors, service providers, and assignees harmless from and against all loss, expenses, damages, and costs, including, without limitation, reasonable legal fees, arising or resulting from your intentional and willful breach of these Terms for your intentional unauthorized use or misuse of the site. HMNavigators.com reserves the right to assume, at its own expense, the exclusive defense and control of any matter otherwise subject to indemnification by you. You agree not to settle any matter without the written consent of HMNavigators.com.
These Terms will remain in effect until terminated by you or HMNavigators.com and Enhance Health. We reserve the right to terminate or make changes to the site, or to restrict or terminate your access to the site at any time and for any reason, including (i) your violation of these Terms, (ii) conduct which HMNavigators.com and Enhance Health. believes to be illegal, or (iii) for business reasons.
16. Jurisdiction and Venue
The HMNavigators.com and Enhance Health site is made available from computer systems located within Illinois, and is for the use and benefit of the citizens of Illinois. These Terms will be governed by the laws of the State of Illinois, without giving effect to any conflict of laws principles. The parties specifically exclude from application to the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transactions Act. You hereby irrevocably and unconditionally consent to the jurisdiction and venue in the state and federal courts sitting in Coral Springs, Florida.
The site is to be deemed a website that does not seek to purposefully avail itself of the benefits and privileges of doing business in any state other than Illinois and thus does not give rise to personal jurisdiction over HMNavigators.com and Enhance Health, either specific or general.
17. Other Provisions
HMNavigators.com and Enhance Health's failure to enforce any provision of these Terms does not constitute a waiver of its right to do so.
If any provision of these Terms is deemed unenforceable by a court of law of competent jurisdiction, the provision will be removed and the remaining terms of the will be valid and in effect.
These Terms and our Privacy Notices constitute the entire agreement between you and HMNavigators.com and Enhance Health and supersede any other agreements between you and HMNavigators.com and Enhance Health, whether written or oral.
You warrant that you have the legal right and authority to agree to these Terms and our Privacy Notices, to perform the obligations under these Terms, and that all information you provide to HMNavigators.com and Enhance Health is current and correct.
Health Insurance Provider: Enhance IFP LLC
State Insurance Licenses: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Louisiana, Michigan, Mississippian, Montana, Nebraska, New Hampshire, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, Wyoming
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