Terms of Use Agreement for Health Plans of North Carolina, Inc.

Welcome to https://healthplansofnc.com/, a website operated by Health Plans of North Carolina, Inc. ("HPNC," "we," "us," or "our"). We aim to inform you 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 authorization to enter into this agreement and that your use of this 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 take effect immediately upon posting on the site, and continued use after such changes constitutes acceptance of the updated Terms.

2. Consent and Privacy Your interaction with our site—including submitting an inquiry, requesting a quote, or providing your contact information—is governed by this section and our Privacy Policy, which explains in detail how we collect, use, and protect your information.

Permission to Text (SMS/MMS) By providing your mobile phone number and opting in, you agree to receive text messages (SMS/MMS) from HPNC and, where applicable, our licensed insurance partners, about:

This consent is not required to purchase any product or service. You can still request a quote or work with an agent by phone or email without opting in to texting. Your mobile number and SMS opt-in status will not be shared with third parties for marketing purposes, and you may revoke this consent at any time by replying STOP.

Message frequency varies based on your interactions with us. Message and data rates may apply, per your mobile carrier's plan. Carriers are not liable for delayed or undelivered messages.

To opt out, reply STOP to any message at any time. For help, reply HELP or contact us at [email protected] or (800) 797-0327. Opting out of texts does not affect your coverage or your ability to work with us through other channels.

Consent to Contact by Phone and Email Submitting a form on our site—particularly one requesting information about health or Medicare plans—authorizes HPNC and our partners to contact you at the phone number(s) and email address you provide, including by an automatic telephone dialing system or an artificial or prerecorded voice, even if that number is listed on a state or federal Do Not Call registry. Consenting to contact is voluntary and not required to receive goods or services from us, but it helps us respond to your request faster. You may revoke this consent at any time.

Accuracy of Information and Authorization to Verify By submitting a form, you confirm that the information you've provided is accurate and complete to the best of your knowledge. You authorize HPNC to share this information with relevant insurance providers ("Providers") to process your inquiry, and to verify its accuracy—including through internal review or, where applicable, unaffiliated third parties or credit bureaus. Providers may also use your information to tell you about other relevant products or services based on your interests.

Marketing Communications Submitting information through our site adds your phone number and email address to our database, and you may receive marketing communications from HPNC, our affiliates, or our partners. You can opt out of marketing communications at any time—see Your Communication Choices in our Privacy Policy.

Record Retention HPNC may record and retain your digital interactions with our site for compliance, quality assurance, and service improvement, and may engage outside vendors to support those compliance activities.

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 either party's conduct 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 rights to collect, aggregate, or commercially exploit site data.

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 your 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 arising from your use of 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 your use of our site.

15. Dispute Resolution Any disputes with HPNC will be resolved through individual arbitration under the rules of the American Arbitration Association. You agree to resolve disputes on an individual basis only, and waive any right to participate in a class or representative action.

16. No Agency You and HPNC have no agency, partnership, joint venture, or employer-employee relationship.

17. Notices Send legal notices to HPNC at [insert designated mailing address].

18. Copyright Infringement We respect others' intellectual property rights and expect our users to do the same.

19. Links to Third-Party Sites Our site may contain links to third-party sites that HPNC does not 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.