Terms & Conditions

These Terms & Conditions apply for the following Properties:  

• m.healthinsurance.com
• togetherHealth.com
• healthinsurance.com
• medicarecoveragehelpline.com
• quote.healthinsurance.com
• agilehealthinsurance.com
• axahealthelect.insurance.benefytt.com
• elite.insurance.benefytt.com
• benefithub.insurance.benefytt.com
• agilelifeinsurance.com
• agileadmin.com

Benefytt Technologies, Inc. is the parent company of the health insurance agencies Health Plan Intermediaries Holdings, LLC, Together Health, LLC, Total Insurance Brokers, LLC, Healthinsurance.com, Inc., HealthPocket, Inc. d/b/a Agile Health Insurance, and American Services Insurance Agency, LLC, as well as the member service portal My Benefits Keeper (together, “Benefytt”, “we” “our”, and “us”).  Certain Benefytt companies are a licensed insurance agency, which is further described in the Licensing section below. This document outlines the terms and conditions of use of Benefytt’s online website and accompanying web services and includes relevant information regarding state licensing. 

These Terms and Conditions of Use govern your use of any websites, any online service, including any website or mobile application, that posts a link to these terms, and any interactive features, widgets, plug-ins, applications, content, downloads and other services that we may own and control and make available through any such websites or services that we own and control, including our self-service platform, “My Benefits Keeper” or “Agile Admin” (collectively, the “Web Services”), regardless of how you access or use them, whether via personal computers, mobile devices or otherwise. To the extent that we provide you notice of different or additional terms of use, those additional terms shall govern your use of the Web Services. 

The insurance products offered by Benefytt are underwritten by insurance companies that are not affiliated with Benefytt and those insurance companies or others on their behalf manage insurance claims under the policies they issue.   

Please review our Privacy Policy, which applies to our collection, use, and sharing of your information through Benefytt.  If you do not agree to the terms of our Privacy Policy or these Terms and Conditions of Use, please do not use or otherwise access Web Services.  

Conditions of Use

THESE TERMS AND CONDITIONS OF USE APPLY TO ALL MATERIALS, ONLINE COMMUNICATIONS AND OTHER INFORMATION AND MATERIALS THAT ARE OR BECOME AVAILABLE ON OR THROUGH THE WEB SERVICES (COLLECTIVELY, THE “MATERIAL”). PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. BY ACCESSING OUR WEB SERVICES YOU SPECIFICALLY ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS OF USE AND YOU SPECIFICALLY AGREE, WITHOUT LIMITATION OR QUALIFICATION, TO EACH OF THE PROVISIONS CONTAINED HEREIN. THESE TERMS AND CONDITIONS MAY BE REVISED AT ANY TIME BY UPDATING THIS POSTING. YOU ARE BOUND BY ANY SUCH REVISIONS AND SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE THEN CURRENT TERMS AND CONDITIONS TO WHICH YOU ARE BOUND. 

THESE TERMS AND CONDITIONS OF USE FORM A LEGALLY BINDING AGREEMENT. IF YOU DO NOT AGREE TO ANY OR ALL OF THE PROVISIONS FOUND IN THESE TERMS AND CONDITIONS OF USE, PLEASE IMMEDIATELY EXIT OUR WEB SERVICES. WE RESERVE THE RIGHT TO TERMINATE YOUR USE OF OR ACCESS TO OUR WEB SERVICES OR YOUR ACCOUNT AT ANY TIME FOR ANY REASON, INCLUDING, WITHOUT LIMITATION, IF WE LEARN THAT YOU HAVE VIOLATED THESE TERMS AND CONDITIONS OF USE. 

Disclaimer of Warranties

YOU EXPRESSLY AGREE THAT USE OF OUR WEB SERVICES IS AT YOUR SOLE RISK. THE MATERIAL PROVIDED ON OUR WEB SERVICES IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, BENEFYTT DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE, NONINFRINGEMENT, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO OUR WEB SERVICES, ANY USE OF OUR WEB SERVICES AND ANY WEBSITE TO WHICH OUR WEB SERVICES IS LINKED. BENEFYTT DOES NOT WARRANT THAT THE MATERIAL ON OUR WEB SERVICES IS COMPLETE OR ACCURATE, THAT USE OF OUR WEB SERVICES WILL BE UNINTERRUPTED OR ERROR FREE, OR THAT OUR WEB SERVICES OR ITS SERVER OR ANY MATERIAL ON OUR WEB SERVICES IS FREE OF DISABLING DEVICES (AS HEREINAFTER DEFINED). 

YOU UNDERSTAND AND AGREE THAT ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH OUR WEB SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SERVICES OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL.

A “DISABLING DEVICE” IS DEFINED AS ANY SOFTWARE, DOCUMENT, MESSAGE OR OTHER MATERIAL WHICH CONTAINS A COMPUTER VIRUS, WORM, TROJAN HORSE, TIME-BOMB OR OTHER HARMFUL DEVICE WHICH MAY ERASE, SCRAMBLE, LOCK OR DISABLE COMPUTER SOFTWARE OR EQUIPMENT OR MAY PREVENT USERS FROM USING A WEBSITE OR ANY OTHER ITEM OF HARDWARE OR SOFTWARE.

SHOULD YOU PURCHASE A PRODUCT OFFERED BY BENEFYTT, THE TERMS AND CONDITIONS APPLICABLE TO THAT TRANSACTION WILL GOVERN SUCH PURCHASE. YOUR USE OF OUR WEB SERVICES DOES NOT AFFECT THAT PURCHASE IN ANY MANNER.

Limitations on Authority

WHILE BENEFYTT USES REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP-TO-DATE INFORMATION ON OUR WEB SERVICES, ERRORS OR OMISSIONS SOMETIMES OCCUR. 

YOU UNDERSTAND THAT TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, UNDER NO CIRCUMSTANCES SHALL BENEFYTT, OR ITS OFFICERS, EMPLOYEES, DIRECTORS, MANAGERS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS OR LICENSORS, BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES THAT MAY RESULT FROM THE USE OR INABILITY TO USE THIS WEBSITE, OR THE MATERIAL, INCLUDING WITHOUT LIMITATION, USE OF OR RELIANCE ON THE MATERIAL, INTERRUPTIONS, ERRORS, DEFECTS, MISTAKES, OMISSIONS, DELETION OF FILES, DISABLING DEVICES, DELAYS IN OPERATION OR TRANSMISSION, NONDELIVERY OF INFORMATION, DISCLOSURE OF COMMUNICATIONS, OR ANY OTHER FAILURE OF PERFORMANCE, DAMAGES FOR LOSS OF REVENUES, PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES ARISING OUT OF OR RELATED TO YOUR USE OF OUR WEB SERVICES, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), WARRANTY, STATUTE OR OTHERWISE. IF YOU ARE DISSATISFIED WITH ANY PORTION OF OUR WEB SERVICES, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF OUR WEB SERVICES. 

YOU (AND NOT BENEFYTT OR ITS PARENTS OR AFFILIATES) SOLELY ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION RELATED TO ANY DAMAGE, HARM, INJURY OR MALFUNCTION ASSOCIATED WITH YOUR USE OF OUR WEB SERVICES AND/OR ITS CONTENTS. 

Third Party Content

Benefytt may distribute content supplied by third parties on our Web Services. Any opinions, advice, statement, services, offers, or other information or content expressed or made available by third parties, including information providers or any other user of our Web Services, are those of the respective author(s) or distributor(s) and not of Benefytt. 

Legal Jurisdictions Only

The insurance products and services described on our Web Services are only for persons in those states and jurisdictions where such products and services may legally be sold. Unless otherwise expressly set forth herein, Benefytt makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access our Web Services do so at their own initiative and are responsible for compliance with local laws. Some products and services may not be available in all jurisdictions and nothing on our Web Services shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful. 

Access to Password Protected or Secure Areas

Access to and use of password protected or secure areas of our Web Services are restricted to authorized persons only. Anyone accessing or who attempts to access such areas without authorization may be subject to prosecution. 

You should be aware that the Internet is not secure. If you choose to send any electronic ‎communications by means of our Web Services, you do so at your own risk, and in doing so you ‎consent to receive communications from us electronically. Benefytt does not guarantee that ‎electronic communications will not be intercepted or changed or that they will reach the intended ‎recipient securely. Further, please note that we are not obligated to respond to inquiries that we ‎receive. You agree that all agreements, notices, disclosures, and other communications that we ‎provide to you electronically satisfy any legal requirement that such communications be in ‎writing.‎ 

Ownership of Information

If you send us any creative materials, such as comments, suggestions, ideas, concepts, drawings, pictures, or other materials (collectively, the “Submissions”), you agree that the Submissions shall be deemed, and shall remain, the property of Benefytt. None of the Submissions shall be subject to any obligation of confidentiality on the part of Benefytt, and Benefytt shall not be liable for any use or disclosure of any of the Submissions. Without limitation of the foregoing, Benefytt shall exclusively own all now known or hereafter existing rights to the Submissions of every kind and nature throughout the world and shall be entitled to unrestricted use of the Submissions for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Submissions. 

Copyrights and Trademarks

All Material included on our Web Services, except third party content as referenced above, is the property of Benefytt and is protected by United States and international copyright laws. No portion of the Material on our Web Services may be reprinted or republished in any form without the express written permission of Benefytt or, with respect to third party content, its respective owner. You may download Material from our Web Services for your own personal, non-commercial use only, provided you do not modify the Material and keep intact all copyright and other proprietary notices. You may not further distribute or display such Material for any purpose. Without our prior written consent, you may not: (a) allow, enable, or otherwise support the transmission of mass unsolicited, commercial advertising or solicitations via e-mail (spam); (b) use any high volume, automated, or electronic means (including without limitation robots, spiders, scripts or other automatic device) to monitor or copy our web pages or the content contained thereon; (c) link or deep-link to our Web Services for any purpose; (d) frame our Web Services, place pop-up windows over its pages, or otherwise affect the display of its pages; (e) use our Web Services Materials in a manner that suggests an unauthorized association with any of our products, services, or brands; (f) engage in any activities through or in connection with our Web Services that attempt to or actually do harm any individuals or entities or are unlawful, offensive or abusive, or that violate any right of any third party, or are otherwise objectionable to us; or (g) otherwise violate these Terms and Conditions of Use.

Certain of the names, logos, and other materials displayed on our Web Services constitute trademarks, tradenames, service marks or logos (“Marks”) of Benefytt or third parties. You are not authorized to use any such Marks. Ownership of all such Marks and the goodwill associated therewith, with the exception of the third party Marks, remains with Benefytt and are protected by United States and international trademark laws. Nothing contained on our Web Services should be construed as granting, by implication or otherwise, any license or right to use any of the Marks displayed on our Web Services. Your use of the Marks displayed on our Web Services, or any other content on our Web Services, except as provided herein, is strictly prohibited. All Marks not owned by Benefytt that appear on our Web Services are the property of their respective owners. 

Existing Insurance Coverage

IF YOU INTEND TO PURCHASE INSURANCE, 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.

Policy 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 insurance companies, and are subject to change without notice and/or underwriting qualification by the specific insurance company to which the application is submitted. A quote should not be construed as a commitment from the insurance company 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 Web Services is accurate and up to date.

To purchase an insurance policy, you must submit a completed application to the insurance company, which in certain circumstances may then review and underwrite your application along with any other information that may be gathered from other 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.

Your Account

If you have an account on our Web Services, you are entirely responsible for maintaining the confidentiality of your account password and for all use of your account username, password, and profile. You agree to accept responsibility for all activities that occur under your account or using your password. Further, by accessing and using our Web Services and any Software (as defined below), you warrant that you are considered an adult under applicable state law and possess the legal authority to access and use our Web Services and any Software. Benefytt reserves the right to refuse service, terminate accounts or remove or edit content in its sole discretion. 

External Links

our Web Services may contain links to other websites not owned, maintained or hosted by Benefytt (“External Sites”). Any links to External Sites are provided by BENEFYTT as a courtesy. IF YOU USE ANY LINKS PROVIDED IN OUR WEB SERVICES TO ACCESS EXTERNAL SITES, YOU WILL LEAVE OUR WEB SERVICES. THE EXTERNAL SITES ARE NOT UNDER THE CONTROL OF BENEFYTT AND BENEFYTT IS NOT RESPONSIBLE FOR THE AVAILABILITY OF THESE EXTERNAL SITES NOR DOES IT ENDORSE OR IS IT RESPONSIBLE FOR ANY OF THE CONTENTS, ADVERTISING, PRODUCTS OR OTHER MATERIALS ON SUCH EXTERNAL SITES. UNDER NO CIRCUMSTANCES SHALL BENEFYTT BE HELD RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY LOSS OR DAMAGE CAUSED OR ALLEGED TO HAVE BEEN CAUSED IN CONNECTION WITH THE USE OF OR RELIANCE ON ANY CONTENT, GOODS OR SERVICES AVAILABLE ON ANY SUCH EXTERNAL SITE. Any concerns regarding any link to an external site should be directed to that respective website, rather than to Benefytt. By including a link to an external site in our Web Services, Benefytt does not expressly state or imply that it has authorization from the owner of such site to link to it. Should you visit an external site from a link found on our Web Services, you do so at your own discretion and at your own risk. 

Locality

Benefytt manages and controls our Web Services from its offices located in Florida (United States of America). Benefytt makes no representation that the Information or other materials in our Web Services are appropriate or available for use in other locations. If you choose to access our Web Services outside of the state of Florida through your own initiative, to the extent the local laws in the geographic region in which you are located are applicable to your access of and activities on our Web Services, you are responsible for compliance with such local laws. 

Our Web Services may describe products and ‎services that are available only in certain states of the United States (or only parts of it). We ‎reserve the right to limit the availability of our Web Services and/or the provision of any Materials, program, product, service, or other feature described or available on our Web 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, product, service, or other feature that we provide. You ‎and we disclaim any application to these Terms and Conditions of Use of the Convention on Contracts for the ‎International Sale of Goods.‎ 

General

Benefytt shall have the right at any time to change or discontinue any aspect or feature of our Web Services, including, but not limited to, content, hours of availability and equipment and/or software required for access or use of our Web Services or any portion of our Web Services. Benefytt may also change any of the terms and/or conditions set forth in these Terms and Conditions of Use and any subsequent use of our Web Services by you constitutes your agreement to such changed terms and/or conditions. If you object to any such changes, your sole and exclusive remedy shall be to discontinue your use of our Web Services. Any rights not expressly granted herein are reserved to Benefytt. 

Miscellaneous

These Terms and Conditions of Use shall be governed by and construed in accordance with the laws of the State of Florida, United States of America, without giving effect to any principles of choice of law or conflicts of law that would require the application of the laws of a jurisdiction other than the State of Florida. Venue for all disputes will be the Federal and State courts located in Tampa, Florida. If any provision of these Terms and Conditions of Use shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms and Conditions of Use and shall not affect the validity and enforceability of any remaining provisions. These Terms and Conditions of Use constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. 

Software License

Any software that is made available for use through our Web Services or to download from our Web Services (“Software”) is owned or licensed by Benefytt and/or its suppliers and is subject to U.S. and international copyright, trade secret, trademark and other laws protecting intellectual property. Use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software, unless acceptance of a different license agreement is required prior to using and/or downloading the Software (the “License Agreement”). The Software is made available for use and/or downloading solely for use by end users according to the License Agreement. Any reproduction or redistribution of any Software not in accordance with the applicable License Agreement is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the extent permitted by applicable law. Without limiting the foregoing, copying or reproduction of any Software to any other server or location for further reproduction or redistribution is expressly prohibited. THE SOFTWARE IS WARRANTED, IF AT ALL, ONLY ACCORDING TO THE TERMS OF THE APPLICABLE LICENSE AGREEMENT. EXCEPT AS WARRANTED IN THE APPLICABLE LICENSE AGREEMENT, BENEFYTT HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO THE SOFTWARE, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NONINFRINGEMENT. 

Export Controls

Any Software that is made available for use through our Web Services, or to download from our Web Services, is further subject to United States of America export controls. No such Software may be used, downloaded or otherwise exported or reexported (i) into (or to a national or resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria or any other country or region to which the U.S. has embargoed goods and/or services; or (ii) by or to anyone on the U.S. Treasury Department’s list of Specially Designated Nationals or the U.S. Commerce Department’s Table of Deny Orders. By downloading or using the Software, you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or region or on any such list.

Indemnification

You agree to indemnify, defend and hold harmless Benefytt, its parents, subsidiaries, affiliates, officers, directors, managers and other partners, employees, consultants and agents, from and against any and all claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys’ fees and court costs) resulting or arising from (1) any information you (or anyone accessing the your account using your password) submit through our Web Services, (2) your violation of these Terms and Conditions of Use or applicable law, (3) your (or anyone using your account’s) violation of any rights of any other person or entity, or (4) any Disabling Device or other similar harmful or deleterious programming routines input by you into our Web Services. 

Exclusions and Limitations

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations and disclaimers may not apply to you. To the extent that Benefytt may not, as a matter of applicable law, disclaim any implied warranty or limit its liabilities, the scope and duration of such warranty and the extent of our liability shall be the minimum permitted under such applicable law. 

Termination

You agree that Benefytt, in its sole discretion, may terminate your access to our Web Services, Material or Software without prior notice, for any reason, including, without limitation, if we believe that you have violated or acted inconsistently with the letter or spirit of these Terms and Conditions of Use. FURTHER, YOU AGREE THAT BENEFYTT SHALL NOT BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY TERMINATION OF YOUR ACCESS TO OUR WEB SERVICES, MATERIAL OR SOFTWARE. The provisions of these Terms and Conditions of Use titled “Disclaimer of Warranties”, “Limitations on Authority”, “Third Party Content”, “Ownership of Information”, “Copyrights and Trademarks”, “Your Account”, “External Links”, “General”, “Miscellaneous”, “Exclusions and Limitations”, “Termination”, and “Violations of Terms and Conditions of Use” shall survive any termination of your access to our Web Services, Material or Software. 

Violations of Terms and Conditions of Use

Benefytt reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions of Use, including the right to block access from a particular Internet address to our Web Services, and irreparable harm will be presumed by any violation of these Terms and Conditions of Use.

How to Contact Us

We appreciate your questions or comments regarding these Terms and Conditions of Use. Please send e-mail to: privacy@benefytt.com, or you can send a letter to us:

Benefytt Technologies, Inc.,

Attn: Terms and Conditions of Use

3450 Buschwood Park Dr.,

Tampa, FL 33618.

Licensing

Our Web Services are made available to you by the following licensed agent(s)/broker(s) in each respective state which require insurance transactions to be conducted through a licensed agent/broker. Each agent/broker is associated with Benefytt with principal places of business listed below: