Terms of Use Agreement for Health Plans of North Carolina Incorporated

Welcome to https://healthplansofnc.com/, a website operated by Health Plans of North Carolina Incorporated (“HPNC”, “we”, “us”, or “our”). We aim to inform the consumer of your rights and responsibilities when using our website and services and our commitments to you. We strongly encourage you to review these terms thoroughly. Key Points to Note:

1. About These Terms of Use

By accessing or using this website, you acknowledge and agree to these Terms of Use, including its mobile application or any elements thereof. These Terms form a legally binding agreement between you and HPNC. You confirm that you have the necessary authorizations to enter this agreement and that your site adheres to all applicable laws. If using this site on behalf of an organization, you warrant that you have the authority to bind that entity to these Terms. Users must be residents of the United States (including its territories) and at least 18 years of age. If you disagree with these Terms, you are not authorized to use the site or its services and should discontinue use immediately.

Modified or Additional Terms of Use

HPNC reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting on the site, and continued use after such changes will constitute acceptance of the updated Terms.

2. Consent and Privacy

Your interaction with our site, including submissions for health plan inquiries, implies consent to our Terms and Conditions. Such submissions authorize HPNC and our partners to contact you through the provided contact details, even if your number is on any Do Not Call list. Please review our Privacy Policy for detailed information on our data collection and usage practices.

Consent to Contact and Communication

Voluntary Consent for Contact: While providing your consent to be contacted by HPNC, its partners, and affiliates is not a mandatory requirement for purchasing or receiving goods or services from us, opting to provide such consent may enhance your experience and our ability to respond to your needs effectively. You acknowledge that, for SMS and MMS text messaging, message and data rates may apply as per your mobile data provider’s plans. Accuracy of Information: By submitting any form on our Site, particularly those requesting information on healthcare or Medicare plans, you affirm that all information provided is accurate and complete to the best of your knowledge. You authorize HPNC to share this information with relevant providers (the "Providers") to facilitate your inquiry. This may include sharing information about other relevant products or services based on your interests. Authorization for Verification: You grant permission to the Providers to verify the accuracy and authenticity of the information you have supplied. This verification process may involve internal reviews and checks performed by unaffiliated third parties or credit bureaus, where applicable.

Marketing Communications and Database Inclusion

Inclusion in Marketing Communications: Upon using our Site for submissions, you agree to allow your telephone number and email address to be added to our user database. This inclusion may result in you receiving marketing communications from HPNC, our affiliates, or our partners. You retain the right to opt out of receiving such marketing communications at anytime. Privacy Policy Acknowledgment: Using our Site, you acknowledge and agree to our Privacy Policy, which details our information collection practices, safeguards, and options for opting out of certain communications. This policy is an integral part of these Terms of Use.

Record Retention and Compliance

Documentation of Interactions: HPNC reserves the right to document and retain records of your digital interactions with our Sites. This documentation is essential for compliance, quality assurance, and service improvement. Engagement of External Services: We may engage external vendors to assist in performing compliance activities and ensuring adherence to relevant laws and regulations.

3. Our Services

HPNC is not a government agency or an insurance company. We provide information and guidance on healthcare coverage options. While we facilitate connections between consumers and insurance providers, we are not responsible for the conduct of either party or the services offered by insurance providers.

4. User-Generated Content

Any content you post on our website will be considered non-confidential and non-proprietary. By posting content, you grant HPNC a perpetual, irrevocable, royalty-free license to use this content.

5. Limited License to Use the Site and Services

We grant you a limited, revocable, non-exclusive license to access our site for personal, non-commercial use. This license does not include data collection, aggregation, or commercial site exploitation rights.

6. Intellectual Property and Prohibited Activities

Our site, including its content, is protected by copyright laws. You agree not to engage in unauthorized use, copying, or distribution of any part of our site or its content.

7. Unauthorized Use

You may not engage in unauthorized activities such as copying or modifying site content, reverse engineering the site, or using the site for fraudulent purposes.

8. Changes to Site

HPNC may modify or discontinue any aspect of the site at our discretion without notice.

9. Data Transmittal

Your data may be stored and processed in the United States, regardless of location.

10. Identity Verification

We do not confirm each user's identity and recommend caution in online interactions.

11. Limitation of Liability

HPNC and its affiliates will not be liable for indirect, consequential, special, or punitive damages from using our site or services.

12. Disclaimer of Warranties

Our site and services are provided "as is" without warranties, express or implied.

13. Release

You release HPNC from any claims related to disputes with other site users.

14. Indemnity

You agree to indemnify HPNC against any claims arising from using our site.

15. Dispute Resolution

Any disputes with HPNC will be resolved through arbitration by the American Arbitration Association rules.

16. No Agency

There is no agency, partnership, joint venture, or employee-employer relationship between you and HPNC.

17. Notices

Legal notices to HPNC should be sent to our designated address.

18. Copyright Infringement

We respect the intellectual property rights of others and expect our users to do the same.

19. Links to Third-Party Sites

Our site may contain links to third-party sites over which HPNC has no control.

20. Miscellaneous

The laws of the State of North Carolina, USA, govern these Terms.

21. Feedback and Questions

We welcome your feedback and questions about our site and services.