Last Updated: 01/24/25

These Terms of Use (“Terms”) govern your access to and use of the website and services provided by iHealth One Insurance (“we,” “our,” or “iHealth One Insurance”). By accessing or using our website, products, services, or any content provided therein, you (“User” or “you”) agree to comply with these Terms. Please do not use our website or services if you disagree with these Terms.

We reserve the right to modify, update, or revise these Terms anytime. When we do, we will post the revised version on this page, and the “Last Updated” date at the top will reflect the latest update. You should review these Terms periodically to stay informed of any changes.

1. Acceptance of Terms

By accessing or using iHealth One Insurance’s website and services, you agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. These Terms apply to all website users, including, without limitation users who are visitors, customers, and those who contribute content.

2. Eligibility

You must be at least 18 to use iHealth One Insurance’s services or access the website. By using our services, you represent and warrant that you are 18 years or older and have the legal capacity to enter these Terms.

3. Use of Services

iHealth One Insurance provides a range of services, including but not limited to:

• Insurance quotes
• Policy applications
• Claims management
• Access to customer support

You agree to use our services only for lawful purposes and following these Terms. You are responsible for ensuring that all information you provide to iHealth One Insurance is accurate, complete, and up-to-date.

4. User Account and Security

You may need to create an account to access certain features of our services. You agree to:

• Provide accurate, current, and complete information during the registration process
• Maintain the confidentiality of your login credentials and account information
• Be fully responsible for all activities that occur under your account, whether or not you authorized them

You agree to notify iHealth One Insurance immediately of any unauthorized use or security breach involving your account.

5. Intellectual Property

All content, materials, trademarks, logos, and intellectual property displayed on iHealth One Insurance’s website are the property of iHealth One Insurance or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, distribute, or create derivative works of any content or materials from our website without prior written permission from iHealth One Insurance.

6. Prohibited Activities

You agree not to engage in the following activities when using our website and services:

• Violating laws: Using our website or services in a manner that violates applicable local, state, or federal laws, regulations, or ordinances.
• Impersonating others: Attempting to impersonate another user or entity, including but not limited to using another person’s account.
• Spamming or unauthorized marketing: Sending unsolicited emails or messages, including spam or phishing attempts.
• Disrupting the website: Interfering with or disrupting the operation of our website, including introducing viruses, malware, or any other harmful code.
• Unauthorized access: Attempting to gain unauthorized access to any part of the website or systems, including accounts, servers, or networks connected to our services.

7. Disclaimer of Warranties

iHealth One Insurance provides the website and services “as is” and “as available” without any warranties, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not guarantee the website will be uninterrupted, error-free, secure, or free of viruses or other harmful components. You are responsible for ensuring that your computer system meets the necessary technical specifications to access and use the website.

8. Limitation of Liability

To the maximum extent permitted by law, iHealth One Insurance shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use or inability to use the website or services, even if we have been advised of the possibility of such damages.

Our total liability to you for any claim arising from these Terms or your use of the services is limited to the amount you paid to iHealth One Insurance in the 12 months before the claim.

9. Indemnification

You agree to indemnify and hold iHealth One Insurance, its affiliates, officers, directors, employees, and agents harmless from any claims, liabilities, damages, losses, and expenses, including legal fees, arising out of or in connection with:

• Your violation of these Terms
• Your use of the website and services
• Your violation of any rights of any third party

10. Third-Party Links

Our website may contain links to third-party websites, including insurance providers, affiliates, or other third-party services. These links are provided for your convenience, and we do not endorse or control the content or practices of these third parties. You access these websites at your own risk.

11. Termination

We may suspend or terminate your access to the website and services at any time, with or without cause, and without notice, if we believe you have violated these Terms or engaged in any conduct that may harm the reputation of iHealth One Insurance.

Your right to access the website and use our services will immediately cease upon termination. Any provisions of these Terms that should survive termination (such as intellectual property rights, limitations of liability, and indemnity) will remain in effect.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed by the laws of Florida without regard to its conflict of law principles.

Any disputes arising from these Terms or your use of our services will be resolved through binding arbitration rather than in court, except for claims related to intellectual property. The American Arbitration Association (AAA) will conduct the arbitration under its rules, and the location of the arbitration will be [Insert City, State].

13. Privacy

Your use of iHealth One Insurance’s services is governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using our website and services, you consent to collecting and using your personal information as described in our Privacy Policy.

14. Changes to Terms

iHealth One Insurance reserves the right to modify or revise these Terms at any time. Any changes will be effective upon posting to the website, and the “Last Updated” date will reflect the most recent changes. It is your responsibility to review these Terms periodically. Your continued use of the website or services after any changes constitutes your acceptance of the updated Terms.

15. 15. Contact Information

If you have any questions or concerns regarding these Terms of Use, please contact us at:

iHealth One Insurance
Customer Support Team
Phone: 954-300-8971 Cell

Email: info@ihealthinsuranceone.co

By accessing or using iHealth One Insurance’s website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.