By using egrouphealthinsurance.com in any manner (whether browsing, registering for or using the Ask for a Quote or Agent Search, following a link, sending an e-mail to a egrouphealthinsurance.com e-mail address, obtaining or saving or retrieving a premium estimate, making a purchase, or using any other content or materials on egrouphealthinsurance.com), you agree to all terms and conditions contained or referenced in these Terms & Conditions. These Terms & Conditions apply only to your use of egrouphealthinsurance.com and do not change or alter any other agreement or contract between you and Affordable Health Insurance.

Affordable Health Insurance reserves the right, in its sole discretion, to modify or change these Terms & Conditions at any time without prior notice to you. Your continued use of egrouphealthinsurance.com following the posting of any changes to the Terms & Conditions constitutes acceptance of those changes.

If at any time you choose not to accept these Terms & Conditions, please do not use this Web site or send e-mail to any egrouphealthinsurance.com e-mail address.

Jurisdictional Statement

This Web site is controlled, operated and intended for use only in the United States of America. We do not represent that materials on this Web site are appropriate or made available for use outside of the United States of America.

Privacy Policy

Our Privacy Statement describes our use and protection of nonpublic personal information (“customer information”) and will help you understand how we treat the customer information that we obtain from you or other sources in the course of providing you with products and services. We urge you to read our Privacy Statement.

Ownership of Materials & Restrictions on Use

The information on this Web site, along with any materials (including, for example, press releases and product descriptions) is the copyrighted work of Affordable Health Insurance and is protected under United States and worldwide copyright laws and treaty provisions. Affordable Health Insurance grants you permission to copy such materials so long as each copy: (i) is solely for informational, non-commercial use and is not modified or revised in any manner; (ii) plainly displays all copyright and other proprietary notices, in the same form and manner as on the original; and (iii) displays a statement that the materials are used solely with permission of Affordable Health Insurance. To seek permission for any other use, please contact Affordable Health Insurance.

Bulk E-Mail and Other Prohibited E-Mail

The Affordable Health Insurance computer network (which includes, but is not limited to, the technology and applications which support the e-mail functionality Affordable Health Insurance provides its officers, employees, independent contractor agents, and other authorized users) is the private property of Affordable Health Insurance.

Affordable Health Insurance prohibits any bulk e-mail transmissions to be sent, or caused to be sent, over the Internet to egrouphealthinsurance.com e-mail addresses unless Affordable Health Insurance, through one of its officers, has specifically requested or authorized the sending of such bulk e-mail. For purposes of these Terms & Conditions, the word “bulk” shall mean an e-mail message, or group of identical or similar e-mail messages, sent to more than 20 different egrouphealthinsurance.com addresses in any 24-hour period.

Affordable Health Insurance also prohibits any e-mail transmissions of the following types to be sent, or caused to be sent, over the Internet to more than 5 different egrouphealthinsurance.com e-mail addresses in any 24-hour period unless Affordable Health Insurance, through one of its officers, has authorized the sending of such e-mail: (1) commercial advertising; (2) informational announcements; (3) political or religious tracts; or (4) solicitations for funds or donations.

Affordable Health Insurance prohibits any e-mail transmission to be sent, or caused to be sent, over the Internet to any egrouphealthinsurance.com e-mail addresses if the e-mail is intended to, or appears intended to, harass, embarrass, threaten, defame or impersonate any person, or if the e-mail is pornographic, offensive, indecent, discriminatory or offensive on the basis of sex, color, national origin, race, age, religion, sexual orientation or disability.

Affordable Health Insurance prohibits any e-mail transmission to be sent, or caused to be sent, over the Internet to any egrouphealthinsurance.com e-mail address that makes use of a forged header or deceptive addressing, or which attempts in any manner to disguise the source of the e-mail.

Affordable Health Insurance prohibits the harvesting or collection of the e-mail addresses of Affordable Health Insurance agents and/or personal financial representatives from the egrouphealthinsurance.com web site for the purpose of sending bulk e-mail to egrouphealthinsurance.com e-mail addresses.

Affordable Health Insurance reserves the right to take all legal and technical steps available, including pursuing civil remedies and criminal prosecution, to prevent bulk or other prohibited e-mail from entering, utilizing or remaining within the Affordable Health Insurance computer network.

Nothing in this policy is intended to grant any right to transmit or send e-mail to, or through, the Affordable Health Insurance computer network. Affordable Health Insurance’s failure to enforce this policy in every instance in which it might have application does not amount to a waiver of Affordable Health Insurance’s rights.

Links to egrouphealthinsurance.com

Affordable Health Insurance appreciates your interest in linking your Web Site (the "Linking Site") to Affordable Health Insurance's Web site, located at www.egrouphealthinsurance.com. In order to avoid misunderstandings regarding the use of Affordable Health Insurance's trademarks, trade names and other proprietary information, Affordable Health Insurance asks that you review and agree to the following guidelines:

1. Third parties are authorized to include active links on Web sites they control to direct a browser to Affordable Health Insurance's "home page" at http://www.egrouphealthinsurance.com. However, third parties may not include on their Web sites links to any other page maintained on the egrouphealthinsurance.com Web site unless they have received prior written permission of an officer of Affordable Health Insurance or unless the Linking Site is an Internet search engine.

2. Framing. Unless you have received specific written permission from Affordable Health Insurance, you may not (a) "frame" or otherwise impose editorial comment, commercial material or any type of identification on (or in proximity to) content displayed on the Affordable Health Insurance Web site ("Affordable Health Insurance Content"), (b) alter or modify Affordable Health Insurance Content, or (c) "cut and paste" or otherwise reproduce Affordable Health Insurance Content on the Linking Site.

3. No Archiving. Your link must be to the current Affordable Health Insurance site only. In permitting linking, Affordable Health Insurance does not grant you the right to reproduce, modify, cache or archive the Affordable Health Insurance Content for any purpose.

4. Link At Your Own Risk. Affordable Health Insurance makes no representations or warranties regarding the Affordable Health Insurance Web site, which is provided "as is." Linking Sites link to the Affordable Health Insurance Web site at their own risk. Affordable Health Insurance is under no obligation to maintain the Affordable Health Insurance Web site, provide or update Affordable Health Insurance Content or otherwise support your link to the Affordable Health Insurance Web site.

5. Termination. Affordable Health Insurance may revoke this license immediately if you fail to follow these guidelines. Affordable Health Insurance may revoke this license upon ten (10) days notice without cause.

Disclaimers

This web site is provided on an “as is” basis. To the extent permitted by law, Affordable Health Insurance disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Affordable Health Insurance does not warrant that the functionality or operation of the Affordable Health Insurance web site will be uninterrupted or free from error, that any defects in the web site will be corrected, or that the web site or the server(s) that makes it available are free of viruses or other harmful conditions or components.

Affordable Health Insurance may change the programs or products mentioned at any time without notice. Additionally, all insurance products referred to in this web site are subject to availability and qualifications. Product terms, conditions, and exclusions not described in this web site may apply.

Limitation of Liability

To the extent permitted by law, Affordable Health Insurance disclaims liability, whether based in contract, tort, negligence, strict liability or otherwise, for damages of any kind (including, but not limited to, direct, indirect, incidental, consequential, special, punitive or exemplary damages) in any way arising from the functionality or operation of this web site (including, but not limited to, damages arising from interruptions of service or delays in operation or transmission), even if Affordable Health Insurance is expressly advised of the possibility of such damages.

Severability

If any provision of these Terms & Conditions is held invalid, void or unenforceable, then that provision will be considered severable from the remaining provisions, and the remaining provisions shall remain in full force and effect.