Last Updated: June 30, 2025

We are strongly committed to protecting your privacy. We diligently safeguard your personal information, ensuring that we uphold the standards set in the applicable federal and state laws, as well as industry practices.

You can learn more about our commitment to privacy with this Privacy Policy, which describes how we collect, use, share, store, delete, and secure the personal information you provide. It also explains how you can control what happens to your information.

Effective May 22, 2025, we have updated our Privacy Policy which has been changed in the following ways:

We updated our mailing address.
We updated the list of websites we own and operate.
We made referenced policies and forms more accessible.

HealthPlanOne, LLC (dba ClearMatch) is a licensed health insurance agency based in Connecticut. In California, Florida, and New York, we operate under the name ClearMatch Insurance Agency (collectively “Company”, “we,” “us,” or “our”). We represent Medicare Advantage (HMO, PPO, PFFS, and PDP) organizations with a Medicare contract.

We own and operate the following websites where we post this Privacy Policy, along with any related websites, networks, applications, insurance agent and representative services, and communication channels (including online chat and telephone call centers), and other services provided by us (collectively, the “Services”):

If you are returning to complete an application that you initiated on another website that is owned or operated by us (e.g., a partner co-branded website), this Privacy Policy may not apply. Please review the privacy policy of the website on which you initiated your application to learn about the information privacy practices that apply to the personal information you submit to us. If you want your personal information to be subject to the information privacy practices described in this website’s Privacy Policy, you may initiate a new application on this website.

To serve as your licensed insurance agent, we require certain personal information from you. This information assists you in finding, and if you so choose, applying for health insurance and other products that may interest you and your family. We will also use your contact information to contact you about our Services. In this regard, we may use phone numbers you provide to send you telephone or text messages about your application or account. These messages may be automatically sent through an autodialer, an artificial or prerecorded voice, or other automation technology.

As we use it in this Privacy Policy, “personal information” means any information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device, such as your name, telephone number, physical address, email address, Social Security number, credit card number, and any information about your health or medical history that you may provide us in a health insurance application or any financial or other sensitive personal information that you may provide us in an application to obtain an advanced premium tax credit (or “subsidy”) determination from the government.

To learn more about why we need your personal information, please refer to the next section.

Through your use of our Services, we collect personal information under the following circumstances and from the following parties:

When you register with us.
In order to register for our Services, we will collect your identifiers (e.g., name, date of birth, email address, address, telephone number) and your online account information (e.g., username, password, and security questions/responses). We collect this information to, among other things, administer your account, contact you about our services, process your insurance application or information request, provide you with a quote, to validate your credentials and authenticate you when you log into our website, and to determine future products and services that may be of interest to you (i.e., account profiling).

We will retain your account information for as long as your account is active or as needed to provide you with our services, unless we receive a valid request to delete this information and no exception to your right to deletion applies.
When you register with our business partners.
With your consent, we will collect your identifiers (e.g., name, date of birth, email address, address, telephone number) and your online account information (e.g., username, password, and security questions/responses) from our business partners when you provide it to them on their websites. We will use this information to, among other things, process your insurance application, provide you with a quote, or contact you about our services.

We will retain your information for as long as your account is active or as needed to provide you with our services, unless we receive a valid request to delete this information and no exception to your right to deletion applies.
When you apply for or request additional information about health insurance and other products.
When you make the following applications or requests, we will collect or request your identifiers (e.g., name, date of birth, email address, address, telephone number), online account information (e.g., username, password, and security questions/responses), and/or other health information which we may relate to you and any family member who will be included on your application:
- Application for health insurance or other products through our Services;
- Request to be contacted about any type of insurance product;
- Request to be contacted by a licensed insurance agent or other representative;
- Request assistance with enrolling in any type of insurance product or make; or any other request for someone to contact you (such as by filling out an online request form).
We will share the personal information we collect from your application with your chosen third-party insurance agency, licensed insurance agent, insurance company or other appropriate entity, so that they may contact you about any product in which you indicated interest or to assist you in enrolling in any such product. If federal or state law allows you to opt-out of this sharing, please click on our Do Not Sell or Share My Personal Information link or complete our Privacy Rights Form. Any additional information that you subsequently choose to provide to any third-party entity will be governed by that entity’s privacy policy.

We will retain your information for as long as your account is active or as needed to provide you with our services, unless we receive a valid request to delete this information and no exception to your right to deletion applies.
When we receive third party data.
We may receive personal information about you from other sources, including publicly available databases or third parties from whom we have obtained data, and combine this data with information we already have about you. This helps us update, expand and analyze our records, identify new customers, and provide products and services that may be of interest to you. The types of personal information that may be obtained from public sources or third parties and combined with information we already have about you include: (a) address and other contact information from third party sources for verification purposes and so we can properly communicate with you and to prevent fraud and/or (b) data about our customers from third parties that is combined with information we already have about you, to create more tailored advertising and products.

We will retain your information for as long as your account is active or as needed to provide you with our services, unless we receive a request to delete this information and no exception to your right to deletion applies.
When you contact us.
When you contact our Customer Service department by email or a message through our online webform, we will collect your identifiers (e.g., name, phone number, and email address) and any other information you choose to include in your correspondence. We use this personal information to, among other things, respond to your questions or inquiries, troubleshoot where necessary, and address any issues you may have.

We will retain your information for as long as needed to respond to your questions or inquiries, troubleshoot where necessary, and address any issues you may have, unless we receive a valid request to delete this information and no exception to your right to deletion applies.
When you communicate with us by telephone.
When you communicate with us by telephone on a recorded line, with your consent, we will collect your identifiers (e.g., name) and auditory information (e.g., recording of your voice). We do not share this information with any third parties other than our recording provider.

We will retain your information for as long as our relationship is active or as needed to provide you with our services, unless we receive a valid request to opt-out or delete this information and no exception to your right to deletion applies.
When we administer our business-to-business accounts.
If you are a business and communicate with us about an on-going or prospective business relationship, we collect your representatives’ identifiers (business representative name, business email address, business telephone number, business billing, physical address), financial information (payment card number, expiration date, CVV, or bank account number and routing number) (as applicable). We will use your identifiers and financial information (if applicable) to establish our business relationship and services.

We will retain your information for as long as our relationship is active or as needed in relation to our business relationship and services, unless we receive a valid request to delete this information and no exception to your right to deletion applies.
When you seek employment with us or become part of our team.
When you seek employment with us, we will collect your personal identifiers (e.g., name, email address, physical address, telephone number) and your professional or employment information (e.g., resume, cover letter, employment history, educational history). We use this personal information to assess and manage your application with us, to communicate with you regarding your candidacy, and as necessary to comply with the law.
When you provide a testimonial.
When you submit a testimonial, we will collect your identifiers (e.g., name) and any information you provide in the testimonial. We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name.

We will retain your information for as long as your testimonial is relevant for our marketing purposes, unless we receive a request to delete this information and no exception to your right to deletion applies.
When you’re subscribed to our marketing communications, including satisfaction surveys.
If you sign up to receive marketing communications from us, we will collect your identifiers (e.g., name) and contact information (e.g., email address) to send you e-mail. We share your identifiers and contact information with our third-party marketing providers who send you marketing emails and/or physical mailers on our behalf.

Our email communications contain tracking technologies to analyze whether a predefined action took place by the recipient, such as opening the communication, in order to better adapt and distribute our communications. You can deactivate tracking by disabling the “display external images” option in your email settings. If you want to opt out of these communications, please refer to the “How you can unsubscribe to our marketing communications“ section below.

We will retain your information for as long as your account is active or as needed to provide you services, unless we receive a valid request to delete this information and no exception to your right to deletion applies.
When you subscribe to our mobile text message marketing.
When you subscribe to our marketing text message program, we will collect your identifiers (e.g., name and telephone number), which will be shared with our third-party text message service provider to facilitate the text message communications with you. We will use this information to communicate with you via text message to provide product and services offerings and account related messages. If you want to opt out of these communications, please refer to the “How you can unsubscribe to our marketing communications” section below.

We will retain your information for as long as our relationship is active or as needed to provide you with our services, unless we receive a request to delete this information and no exception to your right to deletion applies.
When we conduct behavioral targeting/re-targeting.
We partner with one or more third party ad networks to manage and display advertising viewed by visitors on other sites, and updating, enhancing, improving and/or analyzing our records or data. Our ad network partner(s) may use cookies, pixels, web beacons, or similar technologies to collect information about your activities on this and other websites to provide you targeted advertising based upon your interests and browsing patterns. These opt-out programs may not be designed to work for all advertising networks or methods. Your browser may also have settings to reduce re-targeting, such as switching to (In)private or incognito browsing mode or a mode that does not accept cookies.

This activity is often called behavioral targeting or re-targeting, and this may change the ads or other features you see on our website or other websites that you visit. If you wish to not have this information used for the purpose of serving you targeted ads, you may opt-out of specific re-targeting programs by contacting us at privacy@hpone.com or if you are a California resident, by clicking on our Do Not Sell or Share My Personal Information link or completing our Privacy Rights Form. For more information, please refer to our Cookie Policy.
When we analyze website usage through cookies and other trackers.
Cookies, pixels, and similar tracking technologies are used by us and our business and marketing partners, affiliates, and/or analytics or service providers. These technologies are used in analyzing trends, administering this and other sites, tracking users’ movements around this site and other sites, customizing content on this and other sites, and gathering information about our user base. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. When you visit our website, we use cookies, pixels, web beacons, and other similar tracking technologies to: (i) enable the website to function properly; (ii) track you within the website; (iii) enhance user experience; (iv) conduct analytics to improve the website; (v) prevent fraudulent use of the website; (vi) effectively market to you; and (vii) diagnose and repair technical errors with the website and, in cases of abuse, track and mitigate the abuse. Thus, these tracking technologies might store information about you, your preferences, or your device, such as:
- Usage information: We use cookies to collect information about your interaction with our website and online content, such as pages visited, frequency of access, time spent on each page, and referring website details. We use this information for analytics and marketing purposes.
- Location Information: We use cookies to collect information about your location, which may be determined through your IP address. We use this information to provide website functionality such as finding a store near you. You can adjust your consent to providing location information in your browser settings.
- Device information: We use cookies to collect certain information about the device you use to access the website, such as hardware model, operating system, browser, and device preferences. We use this information for analytics and marketing purposes.
In general, to disable cookies and limit the collection and use of information through them, you can set your browser to refuse cookies or indicate when a cookie is being sent. When you opt-out an opt-out cookie will be placed on your device. The opt-out cookie is browser and device specific and will only last until cookies are cleared from your browser or device. You can also manage your cookie preferences via our cookie management platform. To opt out of targeted advertising, please click on our Do Not Sell or Share My Personal Information link or complete our Privacy Rights Form. Certain third parties also offer broad cookie opt out options such as the following:
- Association of National Advertisers opt-out registration: https://dmachoice.thedma.org/
- Network Advertising Initiative (NAI) Opt-Out:https://www.networkadvertising.org/managing/opt_out.asp
- Digital Advertising Alliance (DAA) Opt-Out: https://optout.aboutads.info
We may also use the personal information collected for the above purposes to comply with the law and for other limited circumstances as described in the “How we share your personal information” section.

For more information, please refer to our Cookie Policy.

In addition to the specific third-party sharing outlined above, we share personal information in the following general scenarios:

When we engage service providers.
We share your personal information with our service providers that assist us in providing the Services, process or service any application you begin, process or submit through us, or to correspond with you, such as our payment processors, IT support, website, email, and text message marketing providers, data analytics providers, communications providers, cloud and hosting providers, and email providers. These third-party service providers have access to personal information needed to perform their services, but are contractually prohibited from using it other purposes. Further, they must process the personal information in accordance with this Privacy Policy and as permitted by applicable federal or state laws.
When we need to share within our company.
Where necessary, we share your personal information within our Company for legitimate business purposes, to the extent permitted by federal or state laws , in order to efficiently carry out our business.
In the event of a corporate reorganization.
In the event that we enter into, or intend to enter into, a transaction that alters the structure of our organization, such as a reorganization, merger, acquisition, sale, joint venture, assignment, consolidation, transfer, change of control, or other disposition of all or any portion of our assets, we would share your personal information with third parties, including the buyer or target (and their agents and advisors) for the purpose of facilitating and completing the transaction. We will also share your personal information with third parties if we undergo bankruptcy or liquidation, in the course of such proceedings.
When we are legally required to share.
We will share your personal information where we are legally required to do so, such as in response to tax obligations, court orders, law enforcement or legal process, including for national security purposes; to establish, protect, or exercise our legal rights, as required to enforce our terms of use or other contracts; to defend against legal claims or demands; to detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person; or to comply with the requirements of any applicable federal or state laws.
When you gave your consent.
Apart from the reasons identified above, we may request your permission to share your personal information for a specific purpose. We will notify you and request consent before you provide the personal information or before the personal information you have already provided is shared for such purpose. You may revoke your consent by completing our Privacy Rights Form.
When we share with our marketing partners.
With your consent, we will share your personal information with third-parties with whom we have marketing relationships or with other companies and marketers whose products or services may be of interest to you. Please refer to the section on how we analyze website usage through cookies and other trackers for additional information on sharing of information with marketing cookie providers.

For a Business Purpose.
In the preceding 12 months, we have disclosed the following categories of personal information for a business purpose to the following categories of third parties:
- To our service providers. We have disclosed personal identifiers, internet and other network activity information, and health information to service providers that perform services on our behalf. These service providers include, but may not be limited to, our payment processors, IT support, website, email, and text message marketing providers, data analytics providers, communications providers, cloud and hosting providers, and email providers.
- To our IT support and data analytics provider. We have disclosed internet or other electronic network activity information to our IT support to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and to identify and repair website errors that impair functionality. We have also disclosed internet or other electronic network information to our IT support and data analytics provider to maintain, improve, and upgrade Company Services.
- To your chosen insurance company. If you submit an application for an insurance product offered by us, then we have disclosed your identifiers and health information to your chosen insurance company to process your application. If you submit a request for information or an application for an insurance product offered through an licensed insurance agent, agency or other business partner with whom we associate or contract, then we may disclose your identifiers and health information to that agent, agency or business partner to process your request for information or application or to otherwise provide you with information about insurance products (including contacting you by telephone, email, or otherwise to discuss insurance products in which you may be interested).
- To our affiliates. If you were referred to us by, or use our website or call center in connection with an affinity group, or other organization with which you may be affiliated (or a benefits administrator or consultant associated with such employer, group or organization), we may disclose your identifiers and health information to such group, organization, administrator and/or consultant to provide our services to them. For example, we may inform such group, organization, administrator and/or consultant whether or not you have enrolled in a plan.

For a Sale or Sharing.
- To our advertising partners. We use advertising partners (e.g., Google Ads, Facebook Ads, and Microsoft Ads) on our Websites. These ads services deploy cookies which collect internet and other electronic network activity and share it with the cookie provider. This use of your personal information may be considered a sale under applicable state privacy laws.
  
  For more information, please refer to our Cookie Policy.
- To our marketing partners. We share identifiers, commercial information, and internet and other electronic network activity with marketing partners for advertising purposes.
  
  We also share identifiers and commercial information with marketing partners with whom we have strategic or marketing relationships. Because this sharing is for marketing purposes, it may also be considered a sale under the applicable state privacy laws.

You may opt out of or revoke your consent to this sale or sharing by clicking on our Do Not Sell or Share My Personal Information link or completing our Privacy Rights Form.

Federal or state laws may provide you with specific rights regarding your personal information. This may depend on where you reside as well as the laws that apply to your personal information. This section describes the rights that may be available to you and explains how you may exercise these rights.

Right to Non-Discrimination
You have the right not to receive discriminatory treatment if and when you exercise your privacy rights under the applicable federal and state laws. Unless permitted by federal or state law, we will not:
- Deny you goods or services.
- Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties..
- Provide you a different level or quality of goods or services.
- Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
Right to Access/Know
Under certain federal or state laws, you may have the right to request what personal information we have collected, used, disclosed, and sold about you, subject to certain exceptions.
Right to Deletion
Under certain federal or state laws, you may the right to request the deletion of your personal information that we collect or maintain, subject to certain exceptions. Once we receive your request to delete and confirm your identity, we will delete (and notify any service providers or third parties, who we have shared or sold your personal information to, to delete) your personal information, unless an exception applies under applicable law.
Right to Opt-Out of Sale/Sharing
Under certain federal or state laws, you may have the right to opt-out of the sale or sharing of your personal information to third parties, including for targeted advertising. You may also have the right to opt out of us sharing your personal identifiers with our marketing partners. Please note that we do not have actual knowledge of selling or sharing personal information of minors under the age of sixteen (16) years.

To exercise your federal or state right to opt-out of the sale or sharing of your personal information, by clicking on our Do Not Sell or Share My Personal Information link or completing our Privacy Rights Form.
Right to Correct
Under certain federal or state laws, you may have the right to correct inaccurate personal information that we collect or maintain.
Right to Limit the Use and Disclosure of Sensitive Personal Information
Under certain federal or state laws, you may direct us to limit the processing of your sensitive personal information for specific purposes, such as:
- Goods and Services: Using your personal information in a reasonably expected way to provide the goods or services you requested.
- Service Performance:
- Regulatory Authorizations: As directed by various regulations identifying additional purposes for the usage or disclosure of your sensitive personal information.
Right to Portability
Under certain federal or state laws, you may have the right to request for a copy or to download your personal information in a format that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance. For data portability requests, we will select the format we will use.
Right Against Automated Decision Making
Under certain federal or state laws, you may have the right against a business making decisions about you based solely on an automated process without human input.

For further information concerning how these privacy rights apply to you and your information, please visit the following:

HIPAA	https://www.hhs.gov/hipaa/for-individuals/guidance-materials-for-consumers/index.html
California Privacy Laws	https://oag.ca.gov/privacy/privacy-laws
Colorado Privacy Laws	https://coag.gov/resources/colorado-privacy-act/
Connecticut Privacy Laws	https://portal.ct.gov/AG/Sections/Privacy/The-Connecticut-Data-Privacy-Act
Montana	https://laws.leg.mt.gov/legprd/LAW0210W$BSIV.ActionQuery?P_BILL_NO1=384&P_BLTP_BILL_TYP_CD=SB&Z_ACTION=Find&P_SESS=20231 (effective 1 October 2024)
Oregon	https://olis.oregonlegislature.gov/liz/2023R1/Downloads/MeasureDocument/SB619/Enrolled (effective 1 July 2024)
Texas	https://capitol.texas.gov/BillLookup/Text.aspx?LegSess=88R&Bill=HB4 (effective 1 July 2024)
Utah Privacy Laws	https://le.utah.gov/~2022/bills/static/SB0227.html
Virginia Privacy Laws	https://www.oag.state.va.us/consumer-protection/index.php/tips-info2

To exercise your rights under the applicable federal or state law, you may call toll-free 877-615-4257, email privacy@hpone.com, or use our Privacy Rights Form. For requests submitted, you must provide us with sufficient information that allows us to reasonably verify you are the person about whom we collected the personal information and describe your request with sufficient detail to allow us to properly evaluate and respond to it. We will guide you through the process, asking for information such as name, email address, and phone number, so that we may identify you and process your request. If we are not able to verify your identity for access and deletion requests with the information provided, we may ask you for additional pieces of information.

To opt out of the sale or sharing of your personal information, you may click on our Do Not Sell or Share My Personal Information link or complete our Privacy Rights Form. Federal or state law may allow you to use the opt out preference signal. This is a special feature in your Internet browser which, if activated, will automatically send instructions to us not to sell or share any of your personal information collected online. You can use the opt out preference signal by turning on the signal in your device, platform, or browser settings.

If you are using an authorized agent to submit a privacy rights request, please provide written permission, signed by the consumer, authorizing the agent to submit the request.

You can unsubscribe from our marketing email communications at any time by clicking on the “unsubscribe” link in each email. Meanwhile, you can opt out of our marketing text message program by responding “STOP” (case insensitive) to any of our text messages. Please allow 1 business day for your request to be processed.

Kindly note that we will continue to send you notifications necessary to provide our Services, as well as your requested products and services. Depending on the federal or state law applicable to you, you may be able to opt-out of profiling using our Privacy Request Form.

Your trust and privacy are important to us. We implement and maintain reasonable security measures, such as access controls and encryption, to protect the personal information we collect and maintain. However, no security measure or modality of data transmission over the Internet is 100% secure and we are unable to guarantee the absolute security of the information we collect from you.

We do not knowingly or specifically request or collect personally identifiable information from or about children and do not market specifically to children.

Company reserves the right to change this Privacy Policy at any time. If we make changes, we will post the changes to this page, and will indicate the date the changes go into effect. We encourage you to review our Privacy Policy to stay informed. If we make changes that materially affect your privacy rights, we will notify you via email and/or by prominently posting notice on the Services and obtain your consent, if required.

Our Privacy Policy applies only to Company and not to other companies’ or organizations’ sites to which we link or to which you otherwise provide your information during your relationship with us.

How you can contact us

If you have any questions or objection as to how we collect and process your personal information, please contact us at:

HealthPlanOne, LLC
Privacy Officer
3 Corporate Drive, Suite 300
Shelton, CT 06484
Phone: 877- 615-4257
Email: privacy@hpone.com

We will respond to your questions within 30 calendar days.

Category	Examples	Collected
A. Identifiers.	A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.	YES
B. Personal Information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some Personal Information included in this category may overlap with other categories.	YES
C. Protected classification characteristics under California or federal law.	Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).	YES
D. Commercial information.	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	NO
E. Biometric information.	Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.	NO
F. Internet or other similar network activity.	Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.	NO
G. Geolocation data.	Physical location or movements.	NO
H. Sensory data.	Audio, electronic, visual, thermal, olfactory, or similar information.	NO
I. Professional or employment-related information.	Current or past job history or performance evaluations.	YES
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.	NO
K. Inferences drawn from other Personal Information.	Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	NO

LAST UPDATED: 06/30/2025

This website is operated by HealthPlanOne, LLC.

Please read these Terms of Service (the “Agreement”) carefully. Your use of the Site constitutes your legal consent to be bound by this Agreement including our Privacy Policy and Arbitration Agreement*.

Welcome, and thank you for your interest in HealthPlanOne, LLC (“Us,” “Our,” or “We” (whether capitalized or not)) and our websites at https://myclearmatch.com/, https://clearmatchmedicare.com/, https://www.hpone.com/, https://www.medicaresolutions.com/, https://www.medicarecomparisonshop.com/, https://walmartinsurancesvcs.clearmatchmedicare.com/, https://medicareaccount.com/, https://quotes.seniormedicarequote.com/, https://www.medadvantageplans.com/, https://www.aetnamedicaresolution.com/, https://quotes.priceshopmedicare.com/, https://match.mymedicare.info/, https://quotes.truvainsurance.com/, https://match.medigap.com/, https://www.buymedsuppnow.com/, https://www.wellcaremedicareplans.com/, https://www.cignamedicarehelp.com/, https://www.healthplanssolutions.com/, https://www.molinamedicarequotes.com/, https://www.priorityhealthmedicareplans.com/, https://quotes.healthsplans.org/, https://www.annualenrollment2026.com/, https://quotes.medicare-registration.org/, https://quotes.top10medicares.com/, and https://quotes.healthexchangegroup.com/ and our other websites where we post this document as the applicable terms of service, along with any related websites, networks, applications, insurance agent and representative services, and communication channels (including online chat and telephone call centers), and other services provided by us (collectively, our “Service” or “Services”).

For purposes of this Agreement, “you” or “your” (whether capitalized or not) means the person(s) using the Services or the products or services offered through this Site.

The"Site" means all the content, services and products available on the websites, applications, emails, widgets or other media through which you accessed this Agreement. The Site provides you with access to certain services, such as referrals to products, services, and service providers that may be of interest to you (the "Site Services"), and to certain content provided by us or by third parties (the "Site Content").

These Terms of Service are a legally binding contract between you and Us regarding your use of the Service and the Site.

BY CLICKING “SEE PLANS” OR ANOTHER BUTTON WHILE USING THE SERVICES TO SUBMIT YOUR INFORMATION TO US OR BY OTHERWISE USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THE FOLLOWING TERMS AND CONDITIONS, INCLUDING OUR PRIVACY POLICY AND ARBITRATION AGREEMENT (TOGETHER, THE “TERMS”).

*THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE ALL CLAIMS (PLEASE SEE SECTION 20). EXCEPT IF YOU OPT-OUT AND EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE ARBITRATION SECTION BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. Your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury.

This Agreement also contains a Pre-Filing Notice and Good Faith Negotiation Clause (Please See Section 19)

You also agree that We may (1) call and text you regarding Our Services, and (2) monitor and record any telephone calls made or received by Us for Our business purposes, including for quality assurance purposes.

Table of Contents:

Modification of Terms
Your Access and Use of the Services
Information you Submit Through the Services
Authorization to Contact
Services and Content Offered Through the Services
Rules of Conduct
Jurisdictional Issues
Links to Third Party Sites
Registration; Usernames and Passwords
No Advice
Submissions
Payment
Proprietary Rights
Carrier Communications
DISCLAIMER OF WARRANTIES
LIMITATION OF LIABILITY
Indemnification
RELEASE
PRE-FILING NOTICE AND GOOD FAITH NEGOTIATION
ARBITRATION
Claims of Copyright Infringement
Governing Law
Advertising Disclaimers
Data Processed in the United States
Severability and Enforceability
Product Restrictions
California Disclosure
Contact Information

Modification of Terms. We reserve the right to modify this Agreement from time to time without notification. Your use of the Services after such a modification will constitute your acceptance of those changes. We may notify you of any such changes by any reasonable means, including by posting the revised version of this Agreement to the Services. You can determine when we last changed this Agreement by referring to the "LAST UPDATED" date above.
Your Access to and Use of the Services. Your access to and use of the Services may be interrupted from time to time, including due to technical malfunctions, periodic updating and repairs. We may, at any time, modify or discontinue all or part of the Services, charge, modify or waive any fees required to use the Services, or offer opportunities to some or all Service users. We may, in our discretion and without notice, suspend or terminate your access to the Services and to any Site Content offered through the Services, and may remove and delete any content you have provided if we believe that your conduct or content violates or is inconsistent with this Agreement or its intent, that your conduct is disruptive, or that you have violated any laws or the rights of any third parties.
Information you submit through the Services. To use certain features of the Services, you may be required to submit information to us, including personally identifying information. Our use and disclosure of any information you submit through the Services is governed by these Terms You agree that all information you provide to us is true, accurate, and complete and that you will not misrepresent your identify, impersonate any third party or enter information on behalf of any third party. You also agree to update such information regularly to keep it current.
Authorization to Contact. You understand and agree that by providing us with a telephone number and other contact information, you agree to receive communications, including via-email, texts, and calls (including text messages and calls made using an autodialer or prerecorded voice message), from us or on our behalf (or Our affiliates, subsidiaries, employees, contractors, agents, business partners or other third parties permitted to receive your information under the Privacy Policy at the email address or telephone number you provided, even if that number is on our internal and/or a National or State Do Not Call List. These calls may be for informational and marketing purposes, such as to provide you with information about our services and your insurance options, for assistance with applications, and to provide reminders of deadlines. You are not required to provide your consent to these calls as a condition of any purchase through us, and you may revoke any consent for marketing messages, phone calls or text messages as described below. Standard text messaging and telephone minute charges applied by your cell phone carrier will apply. We may monitor and/or record telephone conversations for our business purposes, such as quality assurance and training purposes and to protect our rights and the rights of others.

4.1    Opt-Out. IF YOU WISH TO OPT OUT OF MARKETING EMAILS, YOU CAN UNSUBSCRIBE BY FOLLOWING THE UNSUBSCRIBE OPTIONS PROVIDED IN THE EMAIL. IF YOU WISH TO OPT OUT OF TEXTS, YOU MAY REPLY “STOP” FROM THE MOBILE DEVICE RECEIVING THE MESSAGES. IF YOU WISH TO OPT OUT OF MARKETING CALLS OR CALLS TO A WIRELESS NUMBER, THEN YOU MAY MAKE A DO NOT CALL REQUEST EITHER DURING A CALL YOU RECEIVE FROM US OR BY CALLING 1-833-835-0826, YOU MAY ALSO EMAIL US AT PRIVACY@HPONE.COM WITH A REQUEST TO STOP RECEIVING SUCH TEXTS OR CALLS AT THE PHONE NUMBER YOU PROVIDE IN YOUR EMAIL. NOTE THAT OPTING OUT OF OUR MARKETING COMMUNICATIONS DOES NOT OPT YOU OUT OF MARKETING COMMUNICATIONS FROM INSURANCE CARRIERS (“CARRIERS”) WITH WHOM WE SHARE YOUR INFORMATION. TO OPT OUT OF SUCH COMMUNICATIONS FROM CARRIERS, PLEASE CONTACT THE CARRIERS DIRECTLY.

4.2    You understand and agree that you may: (i) continue to receive communications while we process your opt-out request, (ii) receive a communication confirming the receipt of your opt-out request, and (iii) after opting out of receiving marketing messages, continue to receive certain non-marketing communications by email or to a non-wireless number, such as confirmations or updates related to your account, insurance application or policy, or transactions through the Service. You may also manage your communication preferences as set forth in Section 4.3 below.

4.3    Updating Information. You may correct or update your contact information, by contacting us at Sales@hpone.com or by mail at Sales Support at HealthPlanOne, 3 Corporate Drive, Suite 300, Shelton CT 06484. Additionally, once you have created an account with us online at clearmatchmedicare.com or through one of our other Services that allow account creation, you may update your name, email address, phone number (if part of your account) and password by clicking on the “My Account” or “Log In” or similar link available on the Services and signing in using your email address and password.
Services and Content Offered Through the Services.

PLEASE READ THE FOLLOWING CAREFULLY:

The Services permit consumers and businesses to research and shop for various insurance and related products. We are not an insurance company. The Services introduce users to insurance and related products offered by third parties. DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT. We are not responsible for any issues associated with buying or transferring new or existing insurance policies.

Transfer of your information.In submitting a request for insurance (“Request”) to us, We may collect from you or otherwise obtain your name, address, telephone number, date of birth, and other information to allow us to verify your identity and match you with Carriers or send your information to Carriers. In submitting a Request through the Services, you agree to allow us to transfer all of your information, in connection with your Request to Carriers. If any Carrier(s) wish to provide information to you in connection with your Request, you will be contacted by the Carrier(s) who may keep your Request information and any other information provided by us in connection with your Request whether or not they offer you a plan. For California residents, if you do not want us to share your personal information, please click Do Not Sell or Share My Personal Information. Please notify the Carrier(s) directly if you no longer wish to receive communications from them.

No endorsements or recommendations.In working with Carriers, we seek to work with companies that are reputable and professional; however, we strongly recommend that you perform your own due diligence for each potential Carrier and plan prior to selecting and/or entering into any type of agreement or other arrangement with any particular Carrier. In addition, once we refer your Request to the Carrier(s), the Carrier will evaluate your Request, and we have no further involvement in any transactions that occur between you and the Carrier. We neither recommend nor endorse any specific products, plans, opinions, or other services that may be made available through or mentioned through the Services.

WE ARE NOT RESPONSIBLE OR LIABLE FOR ANY CARRIER'S ACTS OR OMISSIONS INCLUDING FOR ANY QUOTES, PLAN INFORMATION, PRICING, PREMIUMS, OR SERVICES THAT ANY SUCH CARRIER MAY PROVIDE, FOR ANY CARRIER'S CONTACTING OR FAILURE TO CONTACT YOU, FOR ANY CARRIER'S PERFORMANCE OR FAILURE TO PERFORM ANY SERVICES, OR FOR ANY AGREEMENT OR TRANSACTION BETWEEN YOU AND ANY CARRIER.
Rules of Conduct.
1. You must be at least 18 years of age to use the Services. By agreeing to these Terms, you represent and warrant to us that: (a) you are at least 18 years of age; (b) you have not previously been suspended or removed from the Services; and (c) your registration and your use of the Services is in compliance with all applicable laws and regulations.
2. You must not post violent, nude, partially nude, discriminatory, unlawful, infringing, hateful, pornographic or sexually suggestive photos or other similar content via the Services.
3. You are responsible for any activity that occurs through your account, and you agree you will not sell, transfer, license, or assign your account, followers, username, or any account rights to another person. With the exception of people or businesses that are expressly authorized to create accounts on behalf of their employers or clients, You agree that you will not create an account for anyone other than yourself. By using the Services, You represent that all information you provide upon registration and at all other times will be true, accurate, current and complete. You also agree to update your information as necessary to maintain its truth and accuracy.
4. You must not solicit, collect, or use the login credentials of other Service users.
5. You must not use the Services to defame abuse, harass, stalk, threaten or otherwise violate the legal rights of others, including others’ privacy rights or rights of publicity, or harvest, or collect personally identifiable information about other users of the Services.
6. You must not use the Services for any illegal or unauthorized purpose. You agree to comply with all laws, rules and regulations (including federal, state, local and provincial) applicable to your use of the Services, including all copyright laws.
7. You are solely responsible for your conduct and any data, text, files, information, usernames, images, graphics, photos, profiles, audio and video clips, sounds, musical works, works of authorship, applications, links, and other content or materials that you submit, post or display on or via the Services.
8. You must not interfere with or disrupt the Services, servers, or networks connected to the Services, including by transmitting any worms, viruses, spyware, malware or any other code of a destructive or disruptive nature. You may not inject content or code or otherwise alter or interfere with the way the Services are rendered or displayed in a user's browser or device.
9. You must not use any robot, spider, site search/retrieval application or other manual or automatic device to retrieve, index, "scrape," "data mine" or in any way gather Service content or reproduce or circumvent the navigational structure or presentation of the Services without Our express prior written consent. Notwithstanding the immediately foregoing sentence (but subject to the other items listed above), We grant the operators of public search engines permission to use spiders to copy materials from the Services for the sole purpose of and solely to the extent necessary for creating publicly-available searchable indices of such materials, but not caches or archives of such materials. We reserve the right to revoke these exceptions without notification, either generally or in specific cases, at any time.
10. You must not restrict or inhibit any other person from using the Services (including by hacking or defacing any portion of the Services).
11. You must not reproduce, duplicate, copy, sell, resell or otherwise exploit for any commercial purposes, any portion of, use of, or access to the Services.
12. Except as expressly permitted by applicable law, you must not modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Services.
13. You must not remove any copyright, trademark or other proprietary rights’ notices from the Site or Service or materials originating from the Site or Service.
14. You must not frame or mirror any part of the Site or Service without Our express prior written consent.
15. You must not create a database by systematically downloading and storing all or any Site or Service content.
16. You must not perform any fraudulent activity including impersonating any person or entity, claiming a false affiliation, accessing any other account without permission, or falsifying your age or date of birth.
17. You must not use the Site or Service for any illegal purpose or in violation of any local, state, national, or international law.
Jurisdictional Issues. The Services are controlled and/or operated from the United States and are not intended to subject Us to non-U.S. jurisdiction or laws, except as otherwise expressly stated in this Agreement. The Services may not be appropriate or available for use in some jurisdictions outside of the United States. In choosing to access the Services, you do so on your own initiative and at your own risk, and you are responsible for complying with all local laws, rules and regulations, including any export controls, embargoes or other rules and regulations restricting exports. We may limit the Services’ availability, in whole or in part, to any person, geographic area or jurisdiction we choose, at any time and in our sole discretion.
Links to Third-Party Sites. The Services may provide links to external websites or resources for your convenience and reference only. We do not endorse these websites or resources. We are not responsible for the availability of these external websites or resources or for any content, advertising, products, or other materials on or available from such external websites or resources. Your use of and dealings with the owners or operators of these external websites or resources are at your own risk. You cannot make any claim against us, or our service providers arising out of your use of external websites or resources.
Registration; Usernames and Passwords. You may be required to register with Us in order to access certain Services or areas of the Services. With respect to any such registration, We may refuse to grant you, and you may not use, a username (or email address) that violates the intellectual property or other rights of any person; that is offensive; or that We reject for any other reason in Our sole discretion. Your username and password are for your personal use only, and not for use by any other person. You are responsible for maintaining the confidentiality of any password you may use to access the Services, and You agree not to transfer your password or username, or lend or otherwise transfer your use of or access to the Services, to any third party. You are fully responsible for all interaction with the Services that occurs in connection with your password or username. You agree to immediately notify Us of any unauthorized use of your password or username or any other breach of security related to your account or the Services, and to ensure that you "log off"/exit from your account with the Services (if applicable) at the end of each session. We are not liable for any loss or damage arising from your failure to comply with any of the foregoing obligations.
No Advice. The Site Content is for informational purposes only. No item is intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read in the Services. If you think you may have a medical emergency, call your doctor or 911 immediately. We do not recommend or endorse any specific tests, physicians, products, procedures, opinions, insurance coverage or other information that may be mentioned on the Services. Reliance on any information provided by Us, Our employees, or other visitors to the Services is solely at your own risk.
Submissions. For purposes of clarity, you retain ownership of any information, content and/or materials that you submit through the Services (each, a "Submission"). Please note, however, that we need certain rights to your Submissions to be able to make them available through the Services. Accordingly, you hereby grant to Us a worldwide, non-exclusive, transferable, sublicenseable (through multiple tiers), royalty-free, perpetual, irrevocable right and license, without compensation to you to use, reproduce, distribute, adapt (including edit, modify, translate, and reformat), create derivative works of, transmit, publicly display, publicly perform and otherwise exploit such Submission, in any media now known or hereafter developed. For each Submission, you represent and warrant that you have all rights necessary for you to grant the licenses granted in this section, and that such Submission, and your provision thereof to and through the Services, comply with all applicable laws, rules and regulations. Further, to the extent permitted under applicable law, you irrevocably waive any "moral rights" or other rights with respect to attribution of authorship or integrity of materials regarding each Submission that you may have under any applicable law under any legal theory. We request this waiver to help ensure that We have all the rights We may need to provide the Services. In addition, We have no control over, and shall have no liability for, any damages resulting from the use (including republication) or misuse by any third party of information voluntarily made public through any other part of the Services. IF YOU CHOOSE TO MAKE ANY OF YOUR PERSONALLY IDENTIFIABLE OR OTHER INFORMATION PUBLICLY AVAILABLE IN A SUBMISSION, YOU DO SO AT YOUR OWN RISK. You acknowledge and agree that We reserve the right (but have no obligation) to do any or all of the following, at its sole discretion: (i) monitor, evaluate or alter Submissions before or after they appear on the Services (including through the use of automated filtering software); and (ii) refuse, reject or remove any Submission at any time or for any reason (including through the use of automated filtering software or if We determine, in our sole discretion, that all rights, consents, releases and permissions have not been obtained by you despite your representations above).
Payment. If you provide payment information for purchasing or applying for a plan, then you will pay the applicable Carrier that provides such plan in accordance with the agreement with the applicable Carrier.
Proprietary Rights. All of the material included in the Services, including trademarks, text, graphics, logos and service marks, is Our property and may be the property of other parties, such as Carriers featured through the Services. U.S. and international copyright laws protect all Service Content available through the Services. Your use of the Services and the Site Content does not transfer to you any ownership or other rights in the Services or the Site Content. You may download Site Content displayed on the Services for your personal, noncommercial use only, provided you also retain all copyright and other proprietary notices contained on the Site Content. You may not modify, copy, distribute, transmit, display, publish, sell, license, or create derivative works using any of the Site Content for commercial or public purposes.
Carrier Communications. If you submit a request to be matched with one of the Carriers featured through the Services, please note that these Carriers are required by law to provide you with certain communications, notices, disclosures, information and other materials ("Communications"). These Carriers must obtain your consent in order to provide you with these Communications electronically.
DISCLAIMER OF WARRANTIES. YOU EXPRESSLY AGREE THAT USE OF THE SERVICES IS AT YOUR OWN RISK. WE PROVIDE THE SERVICES ON AN "AS IS" BASIS. WE AND OUR SERVICE PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE AND OUR SERVICE PROVIDERS MAKE NO WARRANTY THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, OR THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; NOR DO WE OR OUR SERVICE PROVIDERS MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES, AS TO CONFIDENTIALITY OR PRIVACY OF ANY YOUR INFORMATION REGISTRATION DATA, EXCEPT AS SET FORTH IN OUR PRIVACY POLICY OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICES. ANY MATERIAL OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL OR DATA. WE AND OUR SERVICE PROVIDERS MAKE NO WARRANTY REGARDING ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH THE SERVICES OR ANY TRANSACTIONS ENTERED INTO THROUGH THE SERVICES AND ARE NOT RESPONSIBLE FOR OTHER USERS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US, AFFILIATES OR THROUGH THE SERVICES, SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

While We take commercially reasonable steps to safeguard and to prevent unauthorized access to your information and registration data, we cannot be responsible for the acts of those who gain unauthorized access, and we make no warranty, express, implied, or otherwise, that we will prevent unauthorized access to your private information. IN NO EVENT SHALL WE BE LIABLE FOR ANY DAMAGES (WHETHER CONSEQUENTIAL, DIRECT, INCIDENTAL, INDIRECT, PUNITIVE, SPECIAL OR OTHERWISE) ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, A THIRD PARTY'S UNAUTHORIZED ACCESS TO YOUR INFORMATION OR REGISTRATION DATA, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, STRICT LIABILITY, TORT OR OTHER THEORIES OF LIABILITY, AND ALSO REGARDLESS OF WHETHER WE WERE GIVEN ACTUAL OR CONSTRUCTIVE NOTICE THAT DAMAGES WERE POSSIBLE.
LIMITATION OF LIABILITY. WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICES OR FOR COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES OR RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH THE SERVICES OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, INCLUDING DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE, EVEN IF WE OR OUR SERVICE PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE LEGAL OR EQUITABLE THEORY UPON WHICH THE CLAIM IS BASED. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN NO EVENT WILL WE EVER BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES, AND COSTS, WHETHER IN CONTRACT, TORT OR UNDER OTHER FAULT OR WRONGDOING BY US OR ANY PERSON FOR WHOM EITHER WE ARE RESPONSIBLE, IN AN AMOUNT EXCEEDING $10,000.00.
Indemnification. You agree to indemnify and hold Us, our subsidiaries, affiliates, officers and employees, Carriers, and service providers harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Services, the violation of this Agreement by you, or the infringement by you, or other user of the Services using your computer, of any intellectual property or other right of any person or entity. Even though prohibited, people may provide information that is offensive, false, harmful, or deceptive. We and Our service providers assume no responsibility whatsoever for such content or actions.
RELEASE. YOU HEREBY RELEASE, REMISE AND FOREVER DISCHARGE US AND OUR SERVICE PROVIDERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, INFORMATION PROVIDERS, SERVICE PROVIDERS, SUPPLIERS, LICENSORS AND LICENSEES, AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE AND KIND WHATSOEVER AND HOWSOEVER ARISING, WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE SITE.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542 IN CONNECTION WITH THE FOREGOING, 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.”
PRE-FILING NOTICE AND GOOD FAITH NEGOTIATION. The parties agree that before it initiates any legal action or proceeding arising out of or relating to the use of the Services, each party agrees to first provide written notice of the dispute to the other party (for Us at Legal@hpone.com). Following such notice, each party agrees to engage in good faith efforts to resolve the dispute amicably for a period of sixty (60) days. Neither party shall initiate any legal proceeding unless this negotiation period concludes without resolution.
ARBITRATION. Each party agrees that any dispute or claim arising out of the use of the Services, including any dispute or claim as to the application, enforceability, scope, or interpretation of this Agreement to Arbitrate, shall be resolved by binding arbitration, rather than in court, except that each party may assert claims in small claims court if the claim(s) qualify. This Agreement to Arbitrate includes, but is not limited to, claims arising under the Telemarketing Consumer Protection Act 47 U.S.C. § 227 or any other telemarketing regulations brought against the website’s customers and/or anyone involved in the initiation or generation of telemarketing calls based on information submitted to the website. The Federal Arbitration Act and federal arbitration law apply to this agreement.

There is no judge or jury in arbitration, and a court’s review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief, or statutory damages), and must follow these Terms of Service.

Arbitration shall be administered by the Judicial Arbitration and Mediation Services, Inc. (“JAMS”), pursuant to the most-current JAMS Streamlined Arbitration Rules & Procedures, and conducted by a single, neutral arbitrator. Arbitration shall take place by phone or by video conference as agreed between the parties, unless an in-person hearing is requested by either party. In that case, the hearing shall take place in the county where you reside. To the extent this agreement to arbitrate conflicts with the JAMS Policy on Consumer Arbitrations Pursuant to Pre-Dispute Clauses Minimum Standards of Procedural Fairness (the “Minimum Standards”), the Minimum Standards in that regard will apply.

Disputes may also be referred to another arbitration organization if you and Us each agree in writing, or to an arbitrator appointed pursuant to Section 5 of the Federal Arbitration Act.

You and Us agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. If for any reason a claim proceeds in court rather than in arbitration, You and Us waive any right to a jury trial. You and Us also agree that you or we may bring suit in court to enjoin infringement or other misuse of intellectual property rights.
Claims of Copyright Infringement. The Digital Millennium Copyright Act of 1998 (the "DMCA") provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law.

If you believe any Site Content infringes your copyrights, you may request that we remove the Site Content from the Sites (or disable access to that Site Content) by contacting our Designated Agent (identified below) and providing the following information:
1. Identification of the copyrighted work that you believe to be infringed. Please describe the work and, where possible, include a copy or the location (e.g., URL) of an authorized version of the work.
2. Identification of the material that you believe to be infringing and its location. Please describe the material, and provide us with its URL or any other pertinent information that will allow us to locate the material.
3. Your name, address, telephone number, and e-mail address.
4. A statement that you have a good faith belief that the complained of use of the materials is not authorized by the copyright owner, its agent, or the law.
5. A statement that the information that you have supplied is accurate, and indicates that “under penalty of perjury,” you are the copyright owner or are authorized to act on the copyright owner’s behalf.
6. A signature or the electronic equivalent from the copyright holder or authorized representative.
Notices and counter-notices should be sent to HealthPlanOne at:

HealthPlanOne, LLC.
ATTN: CLO
3 Corporate Drive, Suite 300, Shelton CT 06484
Email: legal@hpone.com

Notices and counter-notices to You shall be sent to you according to the contact information previously provided by You.

Once notification in accordance with the above is received by the Designated Agent, it is our policy to: (a) remove or disable access to the Site Content; (b) notify the provider of the Site Content or Services user that it has removed or disabled access to such Site Content; and (c) terminate repeat infringers’ access to the Services.

If you receive a notification of alleged copyright infringement, and believe that the claim is erroneous, you may submit a counter-notification to our Designated Agent within thirty (30) days of the date the Content was removed from the Services. A counter-notification must be a written communication that includes substantially the following:
1. Identification of the material that has been removed or disabled and its location. Please describe the material, and provide us with its URL or any other pertinent information that will allow us to locate the material.
2. Your name, address, telephone number, and e-mail address.
3. A statement “under penalty of perjury” that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material.
4. A signature or the electronic equivalent of the person submitting the counter-notification.
Upon receipt of a counter-notification in accordance with the above, We shall promptly provide the complaining party with a copy. The complaining party shall have within ten (10) business days to inform Us that an action has been filed seeking a court order to restrain the alleged infringer from engaging in infringing activity on the Services. If We receive such notification within ten (10) business days, We shall not replace the removed Site Content or cease disabling access to it. If We do not receive such notification from the complaining party that an action has been filed seeking a court order to restrain the alleged infringer from engaging in infringing activity on the Services, then We shall replace the removed Site Content or cease disabling access to it within four (4) business days following the expiration of the ten (10) business day deadline.

In accordance with the DMCA and other applicable law, We may, in appropriate circumstances, at Our sole discretion, terminate access to the Services of any user. We reserve the right to define the criteria by which We will determine that a user is a “repeat infringer.” In the event that “repeat infringer” is defined by statute, law, or regulation as applicable to 17 USC § 512, We will adopt that definition as a minimum standard. Without limiting Our right to define “repeat infringer,” as a general rule, We will define a “repeat infringer” as any person or entity about whom We has received three or more DMCA notifications of alleged infringement in accordance with the procedures outlined above. We will take into account all relevant facts and circumstances when determining whether or not termination of access and/or use privileges of a “repeat infringer” is appropriate.

If you believe that a user is a repeat infringer, please follow the instructions above to contact Our Designated Agent and provide information sufficient for us to verify that the user has been determined to be in violation of the DMCA repeatedly.

We suggest that you consult your legal advisor before submitting a notice or counter-notice.
Governing Law. The Agreement shall be governed by and construed in accordance with the laws of the State of Connecticut (without regard to conflict of law provisions thereof). All disputes arising under, or in any way connected with use of this Site or the Services, shall be litigated exclusively in the state and federal courts residing in the State of Connecticut, and in no other court or jurisdiction. You hereby submit to the jurisdiction of the state and federal courts sitting in Bridgeport, Connecticut.
Advertising Disclaimers. For more information about our advertising content, go to Advertising Disclaimers.
Data Processed in the United States. We process data in the United States, and we make no representation that this the Services are appropriate or available for use beyond the United States. If you use the Services from other locations, you are doing so on your own initiative and are responsible for compliance with applicable local laws regarding your online conduct and acceptable content, if and to the extent local laws apply. This Services may describe programs and services that are available only in the United States (or only parts of it). We reserve the right to limit the availability of the Services and/or the provision of any content, programs, service, or other feature described or available through the Services to any person, entity, geographic area, or jurisdiction, at any time and in our sole discretion, and to limit the quantities of any content, program, service, or other feature that we provide.

If you are in a jurisdiction outside the United States and nevertheless continue to use the Services, your personal information may be transferred into and processed within the United States, and your continued use of the Services constitutes consent to such transfer and processing. Please review our Privacy Policy for additional information on how we process and protect your data.
Severability and Enforceability. If any provision or portion of these Terms is held to be illegal, invalid, or unenforceable, in whole or in part, it shall be modified to the minimum extent necessary to correct any deficiencies or replaced with a provision which is as close as is legally permissible to the provision found invalid or unenforceable and shall not affect the legality, validity or enforceability of any other provisions or portions of these Terms.
Product Restrictions. Policies and products are not available in all states. Exclusions and misstatement and misrepresentation restrictions may apply. The quote, policy, and plan comparisons and information we provide are furnished by the individual Carrier, and are subject to change without notice and/or underwriting qualification by the specific Carrier to which the application is submitted. A quote should not be construed as a commitment from the Carrier to actually issue that policy or any other policy to you. All quotes that we present are based on the information you have provided Us at our request. You are responsible for ensuring that information you provide in connection with any quotation or inquiry through the Services is accurate and up to date. You may change or edit your information at our Services by contacting us via email at Sales@hpone.com.

For Medicare Supplement Only: To purchase certain insurance policies, you must submit a completed application to the Carrier, which will then review and underwrite your application along with any other information that may be gathered from a variety of sources. Following that review and underwriting analysis, the insurance company will then determine whether you are eligible for insurance and, if so, the precise premium to charge you for the insurance policy you seek. This underwriting process may result in higher or lower premiums than your quote for these policies.
California Disclosure. We are located at the address set forth above and below. If you are a resident of the state of California, USA, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210.
Contact Information. If you have additional questions or comments of any kind, please let us know by sending your comments or requests to us at:
E-mail: info@hpone.com
Mail: 3 Corporate Drive, Suite 300, Shelton CT 06484
Telephone: (877) 615-4257

State	License No.
Alabama	261868
Alaska	54870
Arizona	8726976
Arkansas	100102773
California	0F30784
Colorado	265376
Connecticut	2252528
Delaware	1041791
DC	2834747
Florida	L003887
Georgia	116599
Hawaii	376496
Idaho	138711
Illinois	100285664
Indiana	38132
Iowa	1001003423
Kansas	204098658-0
Kentucky	DOI-633199
Louisiana	332815
Maine	AGN150231
Maryland	99952580
Massachusetts	1886488
Michigan	78548
Minnesota	40040992
Mississippi	15005672
Missouri	8021494
Montana	706334
Nebraska	100173380
Nevada	498885
New Hampshire	2001232
New Jersey	1067556
New Mexico	1800005445
New York	LA-1024797
North Carolina	1000001822
North Dakota	20295112
Ohio	34232
Oklahoma	100100439
Oregon	100167999
Pennsylvania	457075
Rhode Island	2044085
South Carolina	1905753648
South Dakota	10003612
Tennessee	3557
Texas	1381772
Utah	263678
Vermont	725449
Virginia	102990
Washington	720222
West Virginia	100109397
Wisconsin	100195816
Wyoming	164505

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