Terms & Conditions

Last edited: June 9, 2025

Thank you for visiting https://leadinghealthadvice.com/ (referred to as the "Website" "we" "our" or "us"). Please read these Terms of Use ("Terms") carefully. By accessing or using this Website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use this Website.

These Terms form a legal agreement between you ("you" "your" or "user") and the owner of this Website https://leadinghealthadvice.com/.

1. ABOUT US

  1. This Website is designed to offer informational, educational, and promotional content about health insurance, including Medicare Advantage, Prescription Drug Plans (Part D), and Affordable Care Act (ACA) compliant health plans. Our goal is to help users connect with licensed insurance agents or third-party providers who are authorized to sell these plans. We act as a marketing and referral platform, showcasing available plan options and highlighting potential benefits.
  2. Please note, we are not a government agency, nor are we affiliated with Medicare, Medicaid, or HealthCare.gov.
  3. We do not sell insurance directly and do not issue insurance policies, make coverage decisions, or provide medical or insurance services directly. Instead, we may connect you with licensed insurance agents or third-party partners who can help you compare plans and complete enrollment.
  4. We may be paid by third-party insurance providers or agencies for placing advertisements or referring users to their services. This compensation may be based on factors such as clicks, quote inquiries, or completed enrollments. Sponsored articles and promotional materials are clearly labeled with terms like "Advertisement" or "Sponsored" at the top of the page. While we strive to provide accurate and useful information, and while compensation does not influence our content, we encourage users to evaluate all materials critically, including those not explicitly marked as advertising.
  5. This Website is intended solely to assist consumers in learning about insurance options and connecting with licensed agents or third-party providers. We do not guarantee that any user will qualify for specific plans or rates, and any eligibility or enrollment decisions are made exclusively by the licensed agent or insurance provider.
  6. Please do not cancel any current insurance coverage unless you have received written notice from your new insurer confirming that your replacement policy is active and in effect.

2. WHO CAN USE THIS WEBSITE AND WHAT WE DO

  1. By accessing or using this Website, you confirm that you are entering into a legal agreement with us. Your use of the Website is governed by these Terms of Use and all applicable federal, state, and local laws and regulations.
  2. This Website is designed for individual consumers who are seeking information about health insurance options and may wish to connect with licensed insurance agents or third-party providers. It is not intended for use by businesses, organizations, or others acting on behalf of a third party.
  3. This Website is not directed to children or minors. We do not knowingly collect or solicit personal information from individuals under the age of 18. If you are under 18, you are not permitted to use this Website or submit any personal information through it.
  4. To use this Website, you must meet the following requirements:
  • You are at least 18 years old;
  • You have the legal capacity to enter into binding agreements online;
  • You are using the Website solely for personal, non-commercial purposes;
  • You agree to comply with all applicable laws and these Terms of Use.

3. PERMITTED USE OF THE WEBSITE

  1. You may use this Website solely for lawful purposes and in accordance with these Terms of Use. Your access is granted for personal, non-commercial use only, and is intended to help you obtain information about health insurance options and, where applicable, to connect with licensed insurance agents or providers.
  2. You agree that all information you submit through any forms on the Website will be accurate, complete, and submitted in good faith. Submitting false, incomplete, or misleading information may result in suspension of access or referral to appropriate authorities.
  3. You agree that you will not use the Website:
    1. to submit false or misleading information;
    2. to impersonate any person or entity or misrepresent your affiliation with any other party;
    3. to transmit or upload viruses, malware, or any other harmful code;
    4. to attempt to gain unauthorized access to the Website, user accounts, servers, or networks;
    5. to interfere with the functionality or security of the Website in any way;
    6. to copy, reproduce, distribute, or modify any Website content without our express written consent;
    7. to use automated systems (including bots, scrapers, or data extraction tools) to access or interact with the Website, unless specifically permitted by us in writing.
  4. You also agree not to use the Website for any purpose that violates applicable laws, regulations, or the rights of any third party, including but not limited to intellectual property rights, privacy rights, or contract rights.
  5. We reserve the right to suspend or terminate your access to the Website if we believe, in our sole discretion, that your use violates these Terms, applicable law, or poses a risk to our systems or users.
  6. Additionally, we reserve the right to monitor all Website activity for compliance, security, and system integrity purposes.

4. PRIVACY OR DATA COLLECTION

  1. By using this Website and submitting any personal information -- such as your name, phone number, email address, or ZIP code -- you consent to our collection, storage, and use of that information in accordance with our Privacy Policy.
  2. We collect user information to provide marketing, referral, and informational services related to health insurance. This may include displaying personalized content, responding to inquiries, and connecting you with licensed insurance agents or third-party plan providers.
  3. You understand and agree that your information may be shared with licensed agents, insurance companies, or third-party marketing partners for the purpose of offering health insurance options that may be relevant to your needs.
  4. We do not knowingly collect personal information from individuals under 18 years of age. If we become aware that such data has been submitted, we will delete it in accordance with applicable laws.
  5. For more information on how we collect, use, store, and share your personal data, please refer to our full Privacy Policy, which is incorporated into these Terms by reference.

5. THIRD-PARTY CONTENT AND LINKS

  1. This Website may contain hyperlinks to third-party websites, platforms, or digital services, including those operated by licensed insurance agents, affiliates, advertisers, and marketing partners. These links are provided solely for informational and convenient purposes.
  2. We do not control, operate, or endorse the content, policies, services, or practices of any third-party websites. Accessing third-party websites is done at your own discretion and risk. Once you leave this Website, your use of any third-party website is subject to that website's own terms of use and privacy policy. We strongly encourage you to review those terms and policies before interacting with or submitting any personal information to such third parties.
  3. Certain materials displayed on this Website may originate from third-party sources. These may include, but are not limited to, product descriptions, promotional content, articles, or tools provided by external partners. While reasonable efforts are made to present accurate and current information, we make no representations or warranties regarding the reliability, completeness, legality, or accuracy of third-party content.
  4. The inclusion of third-party content or links on this Website does not constitute or imply any affiliation, endorsement, sponsorship, or recommendation by us. You expressly agree that we shall not be held responsible or liable, directly or indirectly, for any loss, harm, or damage arising out of or in connection with your access to or reliance on any third-party content, websites, or services.

6. DISCLAIMER AND NO WARRANTIES

  1. The information and services provided through this Website are intended for general informational and promotional purposes only. We do not provide health insurance coverage, underwrite health insurance plans, or make eligibility or coverage determinations.
  2. This Website and all content, features, links, tools, and services are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied. To the fullest extent permitted by law, we expressly disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and availability.
  3. We do not warrant or guarantee that the Website will operate without interruption or errors, or that any information presented will be accurate, complete, current, or free from technical issues, omissions, or typographical errors.
  4. We do not make any guarantees regarding your ability to qualify for or enroll in any specific insurance product or receive any particular benefits, coverage, or pricing. All such decisions are made exclusively by the licensed insurance agent, insurance provider, or applicable third party.
  5. Your use of any information obtained through this Website is at your sole risk. You are responsible for verifying the suitability and accuracy of any plan or provider with a licensed insurance agent or directly with the insurer.

7. INTELLECTUAL PROPERTY

  1. All content and materials on this Website, including but not limited to text, graphics, logos, icons, images, videos, software code, design elements, and overall layout, are the property of LeadingHealthAdvice, its licensors, or its content providers, and are protected by applicable U.S. and international copyright, trademark, and intellectual property laws.
  2. You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the Website for personal, non-commercial purposes only. This license does not grant you any rights to reproduce, modify, distribute, create derivative works from, publicly display, or exploit any content on the Website without our prior written consent. Any reproduction or use of the Website contents without prior written approval from Us is strictly prohibited.
  3. All trademarks, service marks, and logos displayed on the Website are the registered and/or unregistered trademarks of LeadingHealthAdvice or third parties. Nothing in these Terms or on the Website shall be construed as granting, by implication or otherwise, any license or right to use any trademark without the express written permission of the applicable owner.
  4. Unauthorized use of any content, materials, or intellectual property appearing on this Website may violate copyright laws, trademark laws, and other applicable regulations, and may result in civil or criminal penalties.
  5. You agree to protect, indemnify, and hold us harmless from any and all claims, damages, losses, liabilities, expenses, or costs (including reasonable attorneys' fees) that arise from or relate to any alleged or actual infringement of intellectual property rights caused by your use of the Website or by any content you submit, post, or transmit through the Website.

8. LIMITATION OF LIABILITY

  1. To the fullest extent permitted by applicable law, LeadingHealthAdvice, including its officers, directors, employees, affiliates, agents, contractors, licensors, and partners, shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to your use of, or inability to use, the Website or any content, materials, links, or services provided through the Website.
  2. This limitation of liability applies to all claims, whether based on warranty, contract, tort (including negligence), strict liability, or any other legal theory, even if we have been advised of the possibility of such damages. Without limiting the foregoing, we are not liable for:
    1. any errors, omissions, or inaccuracies in the information provided on the Website;
    2. any technical issues, interruptions, or failures of the Website or servers;
    3. any bugs, viruses, malware, or harmful components transmitted through the Website;
    4. any action taken or decision made by you based on information obtained through the Website;
    5. any damages resulting from interactions with third-party websites, agents, or insurance providers to whom you may be referred through the Website.

9. GOVERNING LAW AND DISPUTE RESOLUTION

  1. These Terms of Use and any dispute, claim, or controversy arising out of or relating to your access to or use of this Website shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.
  2. In the event of any dispute or claim between you and us arising out of or relating to these Terms or your use of the Website, both parties agree to make a good-faith effort to resolve the matter informally through negotiation. Either party may initiate this process by providing written notice to the other party describing the nature and basis of the claim or dispute and the relief sought. The parties shall have 30 days from the date of such notice to attempt to resolve the dispute through direct communication.
  3. If the dispute is not resolved within 30 days of written notice, either party may submit the matter to binding individual arbitration administered by the American Arbitration Association ("AAA") in accordance with its Arbitration Rules.
  4. The arbitration shall take place in the State of Florida, unless the parties mutually agree to another location. Arbitration may be conducted in person, by telephone, or via written submissions, subject to AAA rules.
  5. You and we expressly waive any right to bring or participate in a class action, class arbitration, or any other representative proceeding. All disputes must be resolved on an individual basis only. The arbitrator shall have exclusive authority to resolve any issues relating to the interpretation, scope, or enforceability of this arbitration provision.

10. MODIFICATION AND TERMINATION

  1. We reserve the right to update, modify, or revise these Terms of Use at any time, at our sole discretion. If changes are made, we will update the "Effective Date" at the top of this page. Continued use of the Website following any changes constitutes your acceptance of the revised Terms.
  2. You are responsible for reviewing these Terms periodically to stay informed of any updates. If you do not agree to the amended Terms, you must stop using the Website immediately.
  3. We also reserve the right to suspend, restrict, or terminate your access to the Website -- temporarily or permanently -- without prior notice, if we believe that you have violated these Terms, applicable law, or have engaged in any conduct that may harm the Website, our users, or our business operations.
  4. We may discontinue or modify any aspect of the Website or its services at any time, without liability or prior notice, including but not limited to availability, content, functionality, or features.

11. MISCELLANEOUS

  1. Entire Agreement. These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and us regarding your use of the Website and supersede all prior or contemporaneous communications, understandings, or agreements, whether oral or written.
  2. Severability. If any provision of these Terms is found to be unlawful, void, or for any reason unenforceable, that provision shall be deemed severable from the remainder of the Terms and shall not affect the validity and enforceability of any remaining provisions.
  3. Force Majeure. We shall not be held liable for any delay or failure in performance due to events beyond our reasonable control, including but not limited to natural disasters, power outages, internet service interruptions, acts of government, or other force majeure events.