Address
3215 NW 10th Terrace Suite 211
Fort Lauderdale, FL 33309
Phone
(888) 510-7488
AMERICAN HEALTH REFORM SOLUTIONS
PRIVACY POLICY
Last Updated: 10/29/2024
AMERICAN HEALTH REFORM SOLUTIONS d/b/a AMERICAN HEALTH MARKETPLACE and its affiliates and subsidiaries (collectively, “American Health Reform Solutions” “our,” “we,” or “us”) values and respects the privacy of its customers and visitors. While operating our business and interacting with you, we collect, use, share, and sell personal information as disclosed in this privacy policy (“Privacy Policy”). This Privacy Policy applies only to visitors and users of ahmbrokers.org, ahmcontact.com, ahmcontacts.com, ahmemails.com, ahmhealthplan.com, ahminformation.com, ahmktpl.com, ahmktplc.com, ahmmessage.com, ahmmsg.com, ahmrkt.com, ahmrx.com, ahmupdate.com, ahmupdates.com, americanhealthmarket.com, americanhealthmarketplace.com, americanhealthmarketplace.info, americanhealthmarketplace.net, americanhealthmarketplace.org, americanhiddenbenefits.org, americanhm.org, americanhmarketplace.com, americanhrs.com, amhm.com, amhmarketplace.com, or any other site or web domain owned by American Health Reform Solutions (collectively, the “Site”) and American Health Reform Solutions services. Thus, the words “you” and “your” throughout this Privacy Policy mean only that category of data subject.
This Privacy Policy provides you with detailed information about how American Health Reform Solutions and its subsidiaries, divisions, affiliates, brands and other companies that link to this Privacy Policy collect, use, share and sell your information, and describes your choices and rights. This Privacy Policy also applies to information we receive from business partners and other third parties. We encourage you to read this Privacy Policy carefully and if you have any questions to contact us using the methods listed below.
We reserve the right to make changes to this Privacy Policy at any time and for any reason. Any changes will be reflected in a revised policy posted on our Site and we will alert you that there has been a change by updating the “Last Updated” date displayed on the Privacy Policy. If American Health Reform Solutions determines that such changes materially affect your privacy rights, we will provide additional notice to you.
Collecting Your Information
We may collect information about you in a variety of ways, including when you provide information directly to us, when you visit our Site, or when we receive your information from other sources, such as our trusted third-party providers. The categories of information we collect, including in the last 12 months, include:
Categories of Information You May Provide to Us. This is information that you choose to provide in connection with creating an account, completing our online forms, signing up to our newsletter, and using our Site or services. Categories of information you provide to us include: (1) commercial information, such as date of purchase, items purchased, and purchase amount; (2) customer service information, such as feedback and surveys; (3) customer records information, such as your name, email, phone number, credit card information, and residential address, (4) sensitive information such as your race, gender, ethnicity, and biometric information, such as fingerprints; (6) audio or video information; and (7) any other information you may provide through our Site or online forms, such as wage bracket, professional or employment information, and whether you are on Medicare or Medicaid.
Categories of Information We Collect About You. Our servers automatically collect information when you contact us or, when you visit, use, or browse the Site. We may also collect information about you from our third-party providers who provide us with data so that we can tailor our services to audiences who have the most interest. Categories of information we collect about you include: (1) device information, such as your IP address, operating system, browser version, language preferences, referring URLs, country, and geolocation; (2) analytics data and inferences about your purchases and Site usage; (3) contact information, such as your name, email address, phone number, and mailing address; and (4) browsing information, such as the pages you visit on the Site, the dates and times you visit the Site, information about how and when you use our Site, and other technical information.
We may collect deidentified data or derive inferences from the categories of personal information described in this Privacy Policy, including to build a profile about you. We will not reidentify, or attempt to reidentify, any deidentified information that we collect as described in this Privacy Policy.
If you prefer that we not receive the above-described information, please don’t submit it. This means you shouldn’t participate in the applicable activities on or use the applicable features available of our Site and services. Your use of our Site and services is strictly your choice.
Using Your Information
We process information for business and commercial purposes in accordance with this Privacy Policy. Our business purposes for collecting and using your information include the following:
- Manage and Improve our Business. We use information to help operate and increase the efficiency of our business, to operate and personalize the Site, and to improve our products and services.
- Provide You with Services. We use your information, including sensitive information, to provide you with our services, such as finding insurance or financing quotes for you including by sharing or selling your information to third-parties.
- Facilitate Customer Service. We use your information to send you confirmations and administrative messages, and to perform our customer service functions.
- Marketing and Advertising. We use your information to market our services to you, and to deliver information to you that we think may be of interest to you, such as articles, news, or information about various promotions and products.
- Analytics. We may monitor and analyze usage and trends to compile statistical information which we may use internally or provide to third parties.
- Security and Fraud Prevention. We use your information to perform security and fraud prevention functions for the Site.
- Required by Law. We collect and use your information as required by law, for compliance purposes, or as we deem necessary to investigate or remedy any actual or potential violation of our policies or to protect the rights, property, and safety of American Health Reform Solutions or others, as we deem appropriate.
Sharing Your Information
We may share the categories of information described above with third parties, including our service providers and business partners. The categories of third parties that we share information with, including in the past 12 months, include: (1) our business partners who provide you with services requested through our Site; (2) service providers and suppliers; (3) marketing partners and advertising networks; (4) data analytics providers; (5) payment processing providers; (6) our affiliates and subsidiaries; (7) social networks; and (8) other parties in connection with business transfers and for legal, safety, fraud prevention, and enforcement reasons.
All of the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
We share your information with these third parties for the following business purposes:
- Manage and Improve our Business. We share your information with third party service providers that help us operate and increase the efficiency of our business and help us improve our products and services.
- Provide You with Services. We share and sell the information you submit to us, including sensitive information, to our third-party business partners and benefits advisors to provide you with our services, including finding insurance or financing quotes for you.
- Attribution. For the purposes of attributing revenue and analysis, American Health Reform Solutions may share your personal data with third-party advertisers from which American Health Reform Solutions receives compensation.
- Analytics. We may allow third-party service providers to use tracking technology on the Site, which will enable them to collect information about how you use the Site over time. This information may be used to, among other things, analyze and track data, determine the popularity of certain content, and better understand your online activity.
- Facilitate Transactions and Customer Service. We may share information with third-party providers that help us process payments, provide the Site, and perform customer service functions.
- Marketing and Advertising. We share information with third-party providers that support online advertising, data co-operatives, mobile advertising, data analytics, social media engagement, advertising networks or any other activity that may be considered cross-behavioral advertising or direct marketing. We do not control these third parties or how information is used.
- Security and Fraud Prevention. We share information with third parties that provide security and fraud protection to American Health Reform Solutions. We do not control these third parties or how information is used.
- Required By Law. We may share your information as permitted or required by any applicable law in response to a subpoena or other legal process, or as we deem necessary to investigate or remedy any actual or potential violation of our policies, or to protect the rights, property, and safety of American Health Reform Solutions or others, as we deem appropriate.
- Transfer of Assets. If we reorganize or otherwise transfer some or all of the Site or our assets to another organization (such as in the course of a merger, dissolution, or liquidation), your information may be shared with the transferee; however, we will ask the transferee to honor commitments we made in this Privacy Policy.
In some jurisdictions, our sharing of data with third parties may be considered “selling” information or “sharing” information for cross-contextual behavioral advertising. In the past 12-months, we have sold or shared the following categories of information to third parties for the business purposes described in this section: (1) commercial information, such as date of purchase, items purchased, and purchase amount; (2) customer service information, such as feedback and surveys; (3) customer records information, such as your name, email, phone number, credit card information, and residential address, (4) sensitive information such as your race, gender, ethnicity, and biometric information, such as fingerprints; (6) audio or video information; (7) any other information you may provide through our Site or online forms, such as wage bracket, professional or employment information, and whether you are on Medicare or Medicaid; (8) device information, such as your IP address, operating system, browser version, language preferences, referring URLs, country, and geolocation; (9) analytics data and inferences about your purchases and Site usage; and (10) browsing information, such as the pages you visit on the Site, the dates and times you visit the Site, information about how and when you use our Site, and other technical information. You may opt-out of us sharing or selling your information by contacting us at compliance@americanhealthmarketplace.com or visiting our “Do Not Sell or Share My Personal Information” page.
We may disclose the categories of personal information described in this Privacy Policy for business commercial purposes described in this Privacy Policy. We may disclose these categories of personal information for the business and commercial purposes described in this Privacy Policy to the extent permitted by applicable law to the categories of third parties described in this Privacy Policy.
Cookies, Web Beacons, and Tracking Technologies
The Site uses cookies, web beacons, and other tracking technologies in order to collect, use, and share your information as described in this Privacy Policy. These technologies are useful for storing your preferences and settings, enabling you to sign-in, gathering information such as browser type and operating system, providing interest-based advertising, combating fraud, analyzing how our Site or services perform, and fulfilling other legitimate purposes.
Cookies used on this Site may include: (1) required cookies used to perform essential website functions, such as storing your preferences and settings; (2) social media cookies to show you ads and content based on your social media profiles and activities on other websites; (3) analytics cookies to better understand how you use the Site and to improve our Site and services; (4) advertising cookies to show you ads that are relevant to you. If you previously provided information to us, a unique identifier in the cookie may associate the information collected via the cookie with your information. We may share aggregate cookie and tracking information that does not directly identify you with third parties.
Some content on the Site may be provided by third parties that use cookies in conjunction with other tracking technologies to collect information about you when you use the Site, which enables them to provide targeted advertising to you. We do not control these third parties’ tracking technologies or how they may be used. We may display certain advertising offers on the Site or allow service providers, advertisers, ad networks, or other third parties to advertise on the Site. Additionally, we may use third-party software to serve ads on the Site, implement email marketing campaigns, and manage other interactive marketing initiatives. This third-party software may use cookies, web beacons, or similar tracking technology to help manage and optimize your online experience with us. Most web browsers are set to accept cookies by default. You can usually choose to set your browser to disable or reject cookies. Be aware that disabling or rejecting cookies could affect the availability and functionality of the Site or certain portions of the Site. Also, please note that we may still use information we’ve collected from cookies prior to you disabling them; however, we will not collect any further information from the disabled cookies.
Policy for Children
We do not use the Site to solicit information from or market to children under the age of 18. By using the Site, you represent that you are at least 18 years of age. We encourage parents and legal guardians to monitor their children’s internet usage and to instruct their children never to provide personal information through the Site or any other website without parental consent. If you believe a child has provided personal information to us via the Site, please contact us and we will use reasonable efforts to locate and delete the information.
Our Data Security Program
We have adopted, implemented and maintain an enterprise-wide corporate information security and privacy program that includes technical, organizational, administrative, and other security measures designed to protect, as required by applicable law, against reasonably anticipated or actual threats to the security of your personal information (the “Security Program”). We therefore have every reason to believe our Security Program is reasonable and appropriate for our business and the nature of foreseeable risks to the personal information we collect. We further periodically review and update our Security Program, including as required by applicable law.
Our Incident Response and Management Plan
We cannot guarantee that your information, whether during transmission or while stored on our systems, otherwise in our care, or the care of our vendors and business partners, will be free from either failed or successful attempts at unauthorized access or that loss or accidental destruction will never occur. Except for our duty under applicable law to maintain the Security Program, we necessarily disclaim, to the maximum extent the law allows any other liability for any such theft or loss of, unauthorized access or damage to, or interception of any data or communications including personal information.
All that said, as part of our Security Program, we have specific incident response and management procedures that are activated whenever we become aware that your personal information was likely to have been compromised. Those procedures include mechanisms to provide, when circumstances and/or our legal obligations warrant, notice to all affected data subjects within the timeframes required by law, as well as to give them such other mitigation and protection services (such as the credit monitoring and identity theft insurance) as may be required by applicable law.
Marketing Messages
By signing up to any of our promotional lists, you are giving your express permission to American Health Reform Solutions and its agents or vendors the right to contact you with targeted advertising materials by email, text message (SMS), telephone or cellphone, including the use of automated, predictive, programmable, or similar automatic dialers or dialing software, or any other means of communication we may utilize to provide promotional offers. Your consent is not a condition of purchase. To the extent applicable, you expressly acknowledge that you are solely responsible for all charges billed by your mobile service provider. If you no longer wish to receive promotional communications by email, please follow the unsubscribe link located at the end of an email message. If you no longer wish to receive promotional text messages, reply STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any mobile message from American Health Reform Solutions. We may share your data, including your SMS opt-in or consent status, with third parties that help us provide our messaging services, including but not limited to platform providers, phone companies, and any other vendors who assist us in the delivery of text messages.
Do Not Track Signals
Do Not Track (“DNT”) is a privacy preference that users can set to have their Internet browser automatically send a signal to our online and mobile resources to request we not track browsing activity across different sites. There is, however, currently no universal standard for sending and receiving DNT signals. As such, we cannot promise that we respond to all DNT signals but do recognize and respond when required by applicable privacy laws, such as when HTTP header fields or Java objects are used.
Submitting Information from Outside The United States
We control and operate the online and mobile resources from within the United States of America (the “U.S.”). Information collected through the Site may be stored and processed in the United States or any other country in which our vendors or we maintain facilities. Similarly, the English language version of this Privacy Policy is the controlling version regardless of any translation you may attempt.
Links to Other Websites and Third-Party Practices
This Site may contain links to third party websites. It is our intent to provide links only to other quality websites. However, we have no control over these linked websites or, for that matter, any third parties. Any information collected by websites, other than the Site, is not covered by this Privacy Policy. We are not responsible for the content or privacy and security practices and policies of any third parties, including other websites that may be linked to or from the Site. We encourage you to read the provisions of privacy policies on other websites before providing them with your personal information.
Your Privacy Rights
Where applicable based on privacy laws in your jurisdiction, you may have certain rights you can request that we fulfill. These rights may include:
- The Right to Know. You have the right to request that we disclose the information that we have collected about you and identify the purposes for which the information was used, whether and to whom it was shared, and what sources it was obtained from.
- The Right to Delete. You have the right to request that we delete information that we maintain about you, subject to certain exceptions.
- The Right to Correct. You have the right to correct any information that we store about you.
- The Right to Opt-Out of Your Personal Information Being Sold or Shared. You may opt-out of us sharing or selling your information by contacting us at compliance@americanhealthmarketplace.com or visiting our “Do Not Sell or Share My Personal Information” page.
- Right to Limit Use or Disclosure of Sensitive Information. You have the right to request that we limit our use or disclosure of your sensitive information by contacting us at compliance@americanhealthmarketplace.com or visiting our “Limit the Use or Disclosure of Sensitive Personal Information” page.
- Right to Opt-Out of Targeted Advertising. You have the right to request that we opt you out of targeted advertising.
- Right Not to Receive Discriminatory Treatment. Exercising your rights under this Privacy Policy will not result in any discrimination by us. We will treat you the same as any other user.
- Right to Appeal. If you make a request to exercise any of the applicable data access rights and we are unable to comply with your request, you may request to appeal our decision. To appeal any data privacy request decision, please contact us by emailing us at compliance@americanhealthmarketplace.com with the subject line “Data Access Request Appeal.” If after you complete the appeal process with us, you are still not satisfied with our response, you may contact your state’s Attorney General to file a complaint.
How to Exercise Your Privacy Rights
In order to exercise any of the rights detailed in this Privacy Policy, please contact us at compliance@americanhealthmarketplace.com. You may opt-out of us sharing or selling your information by visiting our “Do Not Sell or Share My Personal Information” page. You may request that we limit our use or disclosure of your sensitive information by visiting our “Limit the Use or Disclosure of Sensitive Personal Information” page.
We may require additional information from you to help us verify your identity and state or country of residence, and to process your request. The verification steps may vary depending on the sensitivity of the information and whether you have an account with us. If we are unable to verify your identity, we may deny your requests to know or delete.
You can designate an authorized agent to submit requests on your behalf. However, we will require written proof of the agent’s permission to do so and verify your identity directly. If you disagree or dispute a decision that has been made on the scope or application of the rights described in this clause, you may appeal this decision by contacting us at compliance@americanhealthmarketplace.com.
Retention Period
We shall only store the information we collect for as long as it is necessary to complete the commercial purposes for which it was collected. This is determined by considering the purposes for which it was obtained in accordance with applicable laws. Our retention period is based on: (1) the nature of our relationship with the data subject, and (2) any legal obligations we are bound to fulfill.
Contact Us
If you have questions or comments about this Privacy Policy, please send us an email at compliance@americanhealthmarketplace.com. If you prefer, you may also contact us via physical mail at 3215 NW 10 Terrace, Suite 211, Oakland Park, FL 33309
Last updated October 11, 2024
AGREEMENT TO OUR LEGAL TERMS
We are American Health Reform Solutions American Health Marketplace Florida , United States 3215 NW 10th Terrace Suite 211 Fort Lauderdale FL 33309 .
We operate https://www.americanhealthmarketplace.com (the American Health Marketplace (the
You can contact us by (+1)888-835-8730 , email at compliance@americanhealthmarketplace.com 3215 NW 10th Terrace Suite 211 Fort Lauderdale FL 33309 , United States
These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity (American Health Reform Solutions , concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.
Supplemental terms and conditions or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms
We recommend that you print a copy of these Legal Terms for your records.
TABLE OF CONTENTS
1. OUR SERVICES
The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.
The Services are not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA).
2. INTELLECTUAL PROPERTY RIGHTS
Our intellectual property
We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the
Our Content and Marks are protected by copyright and trademark laws (and various
other intellectual property rights and unfair competition laws) and treaties in the United
States and around the world.
The Content and Marks are provided in or through the Services
Your use of our Services
Subject to your compliance with these Legal Terms, including the
- access the Services; and
- download or print a copy of any portion of the Content to which you have properly gained access.
solely for your
Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced,
aggregated, republished, uploaded, posted, publicly displayed, encoded,
translated, transmitted, distributed, sold, licensed, or otherwise exploited
for any commercial purpose whatsoever, without our express prior written
permission.
If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to: compliance@americanhealthmarketplace.com . If we ever grant you the permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears or is visible on posting, reproducing, or displaying our Content.
We reserve all rights not expressly granted to you in and to the Services, Content, and Marks.
Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.
Your submissions
Please review this section and the
Submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services (
You are responsible for what you post or upload: By sending us Submissions
- confirm that you have read and agree with our
" PROHIBITED ACTIVITIES " and will not post, send, publish, upload, or transmit through the Services any Submission that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading; - to the extent permissible by applicable law, waive any and all moral rights to any such Submission
; - warrant that any such Submission
are original to you or that you have the necessary rights and licenses to submit such Submissions and that you have full authority to grant us the above-mentioned rights in relation to your Submissions ; and - warrant and represent that your Submissions
do not constitute confidential information.
You are solely responsible for your Submissions
By using the Services, you represent and warrant that:(1) all registration information you submit
will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary;
If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).
4. USER REGISTRATION
You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.
5. PROHIBITED ACTIVITIES
You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial
As a user of the Services, you agree not to:
- Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
- Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
- Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.
- Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
- Use any information obtained from the Services in order to harass, abuse, or harm another person.
- Make improper use of our support services or submit false reports of abuse or misconduct.
- Use the Services in a manner inconsistent with any applicable laws or regulations.
- Engage in
unauthorized framing of or linking to the Services. - Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.
- Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
- Delete the copyright or other proprietary rights notice from any Content.
- Attempt to impersonate another user or person or use the username of another user.
- Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (
"gifs" ), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as "spyware" or "passive collection mechanisms" or "pcms" ). - Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
- Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.
- Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services.
- Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
- Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services.
- Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any
unauthorized script or other software. - Use a buying agent or purchasing agent to make purchases on the Services.
- Make any
unauthorized use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses . - Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating
endeavor or commercial enterprise. Sell or otherwise transfer your profile. Use the Services to advertise or offer to sell goods and services.
6. USER GENERATED CONTRIBUTIONS
- The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.
- You are the creator and owner of or have the necessary
licenses , rights, consents, releases, and permissions to use and to authorize us, the Services, and other users of the Services to use your Contributions in any manner contemplated by the Services and these Legal Terms. - You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Services and these Legal Terms.
- Your Contributions are not false, inaccurate, or misleading.
- Your Contributions are not unsolicited or
unauthorized advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation. - Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing,
libelous , slanderous, or otherwise objectionable (as determined by us). - Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.
- Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people.
- Your Contributions do not violate any applicable law, regulation, or rule.
- Your Contributions do not violate the privacy or publicity rights of any third party.
- Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors.
- Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap.
- Your Contributions do not otherwise violate, or link to material that violates, any provision of these Legal Terms, or any applicable law or regulation.
Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services.
7. CONTRIBUTION
You and Services agree that we may access, store, process, and use any information and personal data that you provide
By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you.
We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services. You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.
8. MOBILE APPLICATION
Use
If you access the Services via the App, then we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the App on wireless electronic devices owned or controlled by you, and to access and use the App on such devices strictly in accordance with the terms and conditions of this mobile application
Apple and Android Devices
The following terms apply when you use the App obtained from either the Apple Store or Google Play (each an
9. THIRD-PARTY WEBSITES AND CONTENT
The Services may contain (or you may be sent via the
10. SERVICES MANAGEMENT
We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.
11. PRIVACY POLICY
We care about data privacy and security. Please review our Privacy Policy: https://americanhealthmarketplace.com/privacy-policy/ . By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in United States United States United States United States
12. TERM AND TERMINATION
These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND
If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.
13. MODIFICATIONS AND INTERRUPTIONS
We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services.
We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.
14. GOVERNING LAW
These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the State of Florida the State of Florida
15. DISPUTE RESOLUTION
Binding Arbitration
If for any reason, a Dispute proceeds in court rather than arbitration, the Dispute shall be commenced or prosecuted in the Broward County , Florida
Restrictions
The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to
16. CORRECTIONS
There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.
17. DISCLAIMER
THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY
18. LIMITATIONS OF LIABILITY
IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE LESSER OF THE AMOUNT PAID, IF ANY, BY YOU TO US$1,000.00 USD .
19. INDEMNIFICATION
You agree to
defend, indemnify, and hold us harmless, including our subsidiaries,
affiliates, and all of our respective officers, agents, partners, and
employees, from and against any loss, damage, liability, claim, or demand, including
reasonable attorneys’ fees and expenses, made by any third party due to or
arising out of:
20. USER DATA
We will maintain
certain data that you transmit to the Services for the purpose of managing the
performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups
of data, you are solely responsible for all data that you transmit or that
relates to any activity you have undertaken using the Services. You agree
that we shall have no liability to you for any loss or corruption of any such
data, and you hereby waive any right of action against us arising from any such
loss or corruption of such data.
21. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES
Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.
22. SMS TEXT MESSAGING
Program Description
After providing verbal consent to receive SMS messaging from American Health Marketplace, the user will be prompted to reply "YES" to a text message to confirm this consent. American Health Marketplace text message alerts will seek to keep subscribers updated about important notices regarding their health insurance policy; such as changes to policy (coverage changes, renewal dates, etc.). From time to time we may remind you of enrollment dates, payment issues, delinquent balances, payment confirmations, loss of subsidy, changes to policy details, or cancellation of policy.
Verbal Consent
In order to keep you informed about important updates to your health insurance policy, we'd like to enroll you in our text message alerts. Standard message and data rates may apply. Messages will be sent to [Caller Phone Number]. You may text HELP to receive Customer Service contact information. You may text STOP to unsubscribe. You can find our Terms and Conditions and Privacy Policy at https://americanhealthmarketplace.com/tcpp/ If you agree to receive text updates, please say yes to confirm.
Text Message Consent
Reply "YES" to confirm consent to receive messaging from American Health Marketplace. "HELP" for help. "STOP" to cancel. T&Cs and Privacy Policy: https://americanhealthmarketplace.com/tcpp/
Opting Out
If at any time you would like to stop receiving text messages, you can: 1) Reply "STOP" to the text or text "STOP" to 333777 2) Modify your communications preferences in the App 3) Call us at (888)-835-8730 to opt out of communications.
Support
If you have any questions or need assistance regarding our SMS communications, please text "HELP" to 333777, email us at memberservices@americanhealthmarketplace.com, or call at (888)-835-8730.
Message Frequency
Message frequency may vary in relation to the status of your policy with American Health Marketplace.
Message and Data Rates
Please be aware that message and data rates may apply to any SMS messages sent or received. The rates are determined by your carrier and the specifics of your mobile plan.
Carrier Disclosure
Carriers are not liable for delay of undelivered messages.
23. CALIFORNIA USERS AND RESIDENTS
If any complaint
with us is not satisfactorily resolved, you can contact the Complaint
Assistance Unit of the Division of Consumer Services of the California
Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N
112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916)
445-1254.
24. MISCELLANEOUS
These Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all
25. CONTACT US
In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:
