TERMS OF USE
Last Modified: March 26, 2026
These Terms of Use ("Terms") apply to and govern your access to and use of any website, mobile site or app, social media site, software, applications, email exchange of information, and any other digital platform, including any services, features, pages, and functions contained or offered therein, including any transactions, orders, sales, purchases, or the acquisition of goods or services (collectively the "Service"), that are owned, operated, or provided by HCI Compare LLC. or its subsidiaries, divisions, and affiliates ("HCI Compare LLC", "we", "our" or "us").
1. Acceptance of Terms and Eligibility
- Acceptance: HCI Compare LLC offers the Service to you conditioned upon your acceptance of all terms, conditions, policies, and notices stated herein or incorporated by reference. By visiting or otherwise using our Service, you acknowledge, accept, and agree to be bound and abide by these Terms and our Privacy Policy.
- Age Requirement: The Service is only offered and available to users who are at least eighteen (18) years of age or older. IF YOU ARE UNDER THE AGE OF EIGHTEEN (18) YOU ARE NOT AUTHORIZED TO USE THE SERVICE.
- Right to Change: We reserve the right to change these Terms at any time at our sole discretion. Any changes will be effective immediately upon posting. Your continued use affirms your agreement to the new Terms.
- English Language: These Terms are written in the English language. To the extent any translated versions conflict with the English version, the English version shall control.
2. Accuracy of Information and Professional Disclaimer
- General Information Only: We built the Service to be a resource for consumers. The information presented is made available solely for general information purposes and is not intended as a substitute for professional or financial advice.
- No Professional Relationship: HCI Compare LLC is not a health insurer, insurance carrier, agent, or broker. We do not issue insurance contracts or bind coverage ourselves, nor do we endorse or recommend any specific companies or policy types.
- User Responsibility: You should not rely upon information on this Service as the sole basis for making decisions without consulting primary, more accurate sources. Always seek the advice of a qualified professional and never disregard professional advice because of something you have read on the Service.
3. Requests and Network Partners
- Request Referrals: By submitting a "Request" for information, you agree to allow us to refer your information to our Network Partners (insurance agents, carriers, aggregators, etc.).
- No Guarantee: We do not guarantee that Network Partners will provide information for every Request or that they can meet your specific requirements. We reserve the right to reject any Request at our sole discretion.
- Third-Party Transactions: Once we refer your Request, we have no further involvement in, or responsibility for, any transactions between you and such Network Partner. We are not liable for any expenses, losses, or damages incurred in such transactions.
4. Accessing the Service and Security
- Availability: We reserve the right to withdraw or amend our Service without notice. We will not be liable if all or any part of the Service is unavailable at any time.
- Correct Information: It is a condition of your use that all information you provide is correct, current, and complete. All information provided is governed by our Privacy Policy.
- Identification Responsibility: YOU ARE SOLELY RESPONSIBLE FOR ALL ACCESS TO AND USE OF THE SERVICE BY ANYONE USING YOUR IDENTIFICATION, WHETHER OR NOT AUTHORIZED BY YOU.
5. Intellectual Property Rights and Ownership
- Proprietary Rights: The Service and its entire contents (including information, software, text, displays, images, video, and audio) are owned by HCI Compare LLC or its licensors and are protected by copyright, trademark, and other intellectual property laws.
- Limited License: These Terms permit you to use the Service for personal, non-commercial use only. You are prohibited from copying, modifying, decompiling, or reverse engineering any Content.
- Trademarks: You must not use our trademarks, logos, or slogans without prior written permission.
6. Linking and Linked Sites
- Permission Required: Creating a link to any portion of the Service or displaying the Service in any format without prior written permission is strictly prohibited.
- Third-Party Links: The Service may provide links to third-party "Linked Sites." HCI Compare LLC does not maintain these sites and is not responsible for their content, accuracy, or security. Your access to Linked Sites is entirely at your own risk.
7. Prohibited Uses
- Lawful Use Only: You agree not to use the Service in any way that violates federal, state, local, or international law.
- Specific Prohibitions: You agree not to:
- Exploit or harm minors.
- Send "junk mail," "spam," or similar solicitations.
- Impersonate the company or other users.
- Use any robot, spider, or other automatic device to monitor or copy material.
- Introduce viruses, Trojan horses, or other malicious material.
8. User Content and Content Standards
- Non-Confidentiality: Other than PII, any creative material, suggestions, or comments you post are non-confidential and non-proprietary.
- License Grant: By providing User Content, you grant us a perpetual, worldwide, irrevocable, royalty-free license to use, reproduce, modify, and distribute such material for any purpose.
- Standards: User Content must comply with all laws and must not be defamatory, obscene, violent, or discriminatory.
- Monitoring: We have the right to remove User Content for any reason and cooperate with law enforcement regarding illegal use.
9. Geographic Restrictions
- U.S. Based: HCI Compare LLC is based in the United States; as such, we provide the Service for use only by persons located in the United States.
- Compliance: We make no claims that the Service or any of its Content is accessible or appropriate outside of the United States. If you access the Service from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
10. SMS/MMS Mobile Messaging Program (2026 Compliance)
- Program Details: By opting into the Program, you agree to receive autodialed or prerecorded marketing messages from us and our Contacts. Consent is not a condition of purchase.
- 2026 Revocation Standard: You may revoke your consent at any time via any reasonable means. While you may reply "STOP" to any mobile message to opt out, we also honor other reasonable methods of revocation, including verbal requests to our employees or written requests sent to our support channels.
- Processing Time: We will honor all opt-out requests within ten (10) business days.
- Compliance: We endeavor to comply with the TCPA and state telemarketing laws.
11. Disclaimers and Limitation of Liability
- YOUR USE OF THE SERVICE IS AT YOUR RISK. THE SERVICE AND ALL SERVICES, INFORMATION, GOODS, AND MATERIALS MADE AVAILABLE OR PURCHASED THROUGH THE SERVICE ARE PROVIDED TO YOU "AS IS" WITHOUT ANY EXPRESS REPRESENTATIONS OR WARRANTIES OF ANY KIND, AND WE DISCLAIM ALL STATUTORY OR IMPLIED REPRESENTATIONS, WARRANTIES, TERMS, AND CONDITIONS WITH RESPECT TO THE SERVICE AND ALL SERVICES, INFORMATION, GOODS, AND MATERIALS MADE AVAILABLE THROUGH THE SERVICE, INCLUDING THE REPRESENTATIONS AND WARRANTIES OF SATISFACTORY QUALITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, AND TITLE, AND WITH RESPECT TO THE PRODUCTS LISTED OR PURCHASED ON OR THROUGH THE SERVICE.
- WE MAKE NO REPRESENTATION OR WARRANTY THAT THE SERVICE (OR ANY PART THEREOF) WILL BE ACCURATE, COMPLETE, OR ERROR-FREE, NOR THAT ANY PARTICULAR SOFTWARE OR HARDWARE, WILL BE COMPATIBLE WITH THE SERVICE, AND YOU HEREBY AGREE THAT IT IS YOUR SOLE RESPONSIBILITY TO (A) OBTAIN AND PAY FOR ANY SOFTWARE, HARDWARE AND SERVICES (INCLUDING INTERNET CONNECTIVITY) NEEDED TO ACCESS AND USE THE SERVICE AND (B) ENSURE THAT ANY SOFTWARE, HARDWARE, AND SERVICES THAT YOU USE WILL FUNCTION CORRECTLY WITH THE SERVICE. THE MATERIALS ON THE SERVICE MAY BE OUT OF DATE, AND HCI Compare LLC MAKES NO COMMITMENT AND ASSUMES NO DUTY TO UPDATE SUCH MATERIALS. HCI Compare LLC MAKES NO WARRANTY THAT THE SERVICE WILL BE AVAILABLE, UNINTERRUPTED, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT YOU WILL ACHIEVE SUCCESSFUL RESULTS FROM FOLLOWING ANY INSTRUCTIONS OR DIRECTIONS ON THE SERVICE. YOU AGREE THAT YOU MUST EVALUATE, AND THAT YOU BEAR ALL RISKS ASSOCIATED WITH, THE USE OF THE SERVICE, INCLUDING ANY RELIANCE ON THE ACCURACY, COMPLETENESS, TIMELINESS, OR USEFULNESS OF ANY INFORMATION OR MATERIALS MADE AVAILABLE THROUGH THE SERVICE. WITHOUT LIMITING THE FOREGOING, HCI Compare LLC HEREBY EXPRESSLY DISCLAIMS ALL LIABILITY FOR PRODUCT DEFECT OR FAILURE, CLAIMS THAT ARE DUE TO NORMAL WEAR, PRODUCT MISUSE, ABUSE, PRODUCT MODIFICATION, IMPROPER PRODUCT SELECTION, NON-COMPLIANCE WITH ANY CODES, OR MISAPPROPRIATION. HCI Compare LLC MAKES NO WARRANTIES TO THOSE DEFINED AS "CONSUMERS" IN THE MAGNUSON-MOSS WARRANTY ACT. THE FOREGOING EXCLUSIONS OF IMPLIED WARRANTIES DO NOT APPLY TO THE EXTENT PROHIBITED BY LAW.
- ADDITIONALLY, IN NO EVENT WILL HCI Compare LLC, ITS RESPECTIVE MEMBERS, EMPLOYEES, AFFILIATES, AGENTS, SUCCESSORS, ASSIGNS, RETAIL PARTNERS, OR ANY PARTY INVOLVED IN THE CREATION, PRODUCTION, OR TRANSMISSION OF THE SERVICE, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND IN CONNECTION WITH THE SERVICE, OR FOR ANY DAMAGES FOR LOSS OF PROFITS, LOSS OF USE, LOSS OF DATA, LOSS OF OTHER INTANGIBLES, BUSINESS INTERRUPTION, LOSS OF SECURITY OF INFORMATION YOU HAVE PROVIDED IN CONNECTION WITH YOUR USE OF THE SERVICE, OR UNAUTHORIZED INTERCEPTION OF ANY SUCH INFORMATION BY THIRD PARTIES, EVEN IF ADVISED IN ADVANCE OF SUCH DAMAGES OR LOSSES. FURTHER, WE WILL NOT BE LIABLE FOR DAMAGES OF ANY KIND RESULTING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE, ANY INFORMATION OR MATERIALS ON THE SERVICE, ANY LINKED SITES, OR THE MATERIALS, INFORMATION, OR SERVICES CONTAINED AT ANY OR ALL SUCH LINKED SITES. IN THE EVENT OF ANY PROBLEM WITH THE SERVICE OR ANY CONTENT, YOU AGREE THAT YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE SERVICE IS TO STOP USING THE SERVICE. MOREOVER, IN THE EVENT OF ANY PROBLEM OR DISSATISFACTION WITH THE PRODUCT THAT YOU HAVE PURCHASED ON OR THROUGH THE SERVICE, YOU AGREE THAT YOUR SOLE AND EXCLUSIVE REMEDY, IF ANY, IS TO SEEK A RETURN AND REFUND FOR SUCH PRODUCT IN ACCORDANCE WITH THE RETURN POLICY POSTED ON THE SERVICE. OUR MAXIMUM LIABILITY FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE SHALL BE THE TOTAL AMOUNT, IF ANY, PAID BY YOU TO US TO ACCESS AND USE THE SERVICE.
- IT IS POSSIBLE THAT APPLICABLE LAW MAY NOT ALLOW FOR LIMITATIONS ON CERTAIN IMPLIED WARRANTIES OR EXCLUSIONS OR LIMITATIONS OF CERTAIN DAMAGES; SOLELY TO THE EXTENT THAT SUCH LAW APPLIES TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS. IF APPLICABLE LAW PROHIBITS THE LIMITATION OR EXCLUSION OF A PARTY'S LIABILITY WITH RESPECT TO DEATH OR PERSONAL INJURY CAUSED BY SUCH PARTY'S NEGLIGENCE, FRAUD, OR ANY OTHER MATTER, THEN SUCH PARTY'S LIABILITY WILL NOT BE LIMITED OR EXCLUDED TO THE EXTENT OF SUCH PROHIBITION UNDER SUCH APPLICABLE LAW.
- If you are a California resident, you agree to consciously waive all claims, both known and unknown that may be later discovered, to the maximum extent permitted by law, including but not limited to that permitted by California Civil Code Section 1542, which states "(a) general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party."
12. Indemnification
- Except to the extent prohibited under applicable law, you agree to indemnify, defend, and hold harmless HCI Compare LLC and its officers, directors, employees, and agents from and against any claims, losses, liabilities, damages, costs, or expenses, including attorneys' fees and costs, that may arise from or in connection with (a) your use of, or activities in connection with, the Service, including use of any good, product, or service purchased through the Service, (b) violation of these Terms by you, including any misrepresentations made by you in connection with your use of the Service (c) your violation of any law or the rights of a third-party, and (d) the acts or omissions of any other user or third-party. If you fail to promptly indemnify and defend a covered claim, HCI Compare LLC shall have the right to defend itself, and in such case, you shall promptly reimburse HCI Compare LLC for all of its associated costs and expenses. HCI Compare LLC reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to your indemnification.
13. ARBITRATION, CHOICE OF LAW, AND VENUE
- Any dispute, claim, or controversy arising out of or relating to these Terms, including the determination of the scope or applicability of this agreement to arbitrate, shall be submitted to and settled exclusively by binding arbitration, in accordance with the provisions of this section, subject only to any applicable requirement of law that you and HCI Compare LLC engage in a preliminary, non-binding mediation or arbitration. Binding arbitration shall be conducted in accordance with the American Arbitration Association's rules (the "AAA Rules"). Arbitration shall be held in Orange County, Florida, and shall be held before an arbitrator selected pursuant to the AAA Rules who shall have no personal or pecuniary interest, either directly or indirectly, from any business or familial relationship with either you or us. The arbitrator(s) shall be bound to adjudicate all disputes in accordance with the laws of the State of Florida and all decisions of the arbitrator will be final, binding, and conclusive on you and HCI Compare LLC. Either you or HCI Compare LLC may seek confirmation of the arbitration award in the Florida state courts in and for Orange County, Florida, and both parties hereby consent to the exclusive jurisdiction and venue of the Florida state courts in and for Orange County, Florida in any claim or action arising under this arbitration provision.
