Help Find HealthcareEffective Date: July 15, 2025
Last Updated: July 15, 2025
1. Acceptance of Terms
Welcome to Help Find Healthcare (“we,” “our,” “us,” or “Company”). These Terms of Service (“Terms”) govern your use of our website at
www.helpfindhealthcare.com (“Website”) and all related services, tools, and applications (collectively, “Services”).By accessing or using our Website or Services, you (“you,” “your,” or “User”) agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you may not access or use our Services.
IMPORTANT: These Terms constitute a legally binding agreement between you and Help Find Healthcare. Please read them carefully.
2. Description of Services
Help Find Healthcare specializes in health insurance products, particularly Affordable Care Act (ACA) marketplace plans. Our services include health insurance plan comparison and recommendations, assistance with marketplace enrollment through Healthcare.gov and state exchanges, insurance application completion and submission, premium payment facilitation, ongoing customer service and support, educational resources about health insurance options, and renewal assistance and plan changes. Our Website provides insurance plan comparison tools, educational content about health insurance, online forms and applications, appointment scheduling, customer account management, and live chat and communication features.
3. Eligibility and User Requirements
To use our Services, you must be at least 18 years old. If you are under 18, a parent or legal guardian must agree to these Terms on your behalf. Our Services are available only to residents of states where we are licensed to conduct business. Our services are available in the following states: Florida, Georgia, Texas, South Carolina, Tennessee, Louisiana and Mississippi. You agree to provide accurate, current, and complete information about yourself and any family members for whom you seek coverage. Providing false or misleading information may void your insurance coverage, result in claim denials, lead to legal consequences, or terminate our services. By using our Services, you represent that you have the legal capacity to enter into this agreement and, if applicable, authority to bind any other individuals for whom you seek coverage.
4. User Responsibilities and Conduct
If you create an account on our Website, you are responsible for maintaining the confidentiality of your login credentials, all activities that occur under your account, and notifying us immediately of any unauthorized use. You agree not to use our Services to violate any applicable laws or regulations, impersonate any person or entity, transmit harmful, offensive, or illegal content, or attempt to gain unauthorized access to our systems. You agree to comply with all applicable insurance laws and regulations, including providing truthful information on insurance applications, reporting material changes in circumstances, paying premiums on time, and following proper claims procedures.
5. Agent Relationship and Commissions
Help Find Healthcare acts as your insurance agent and representative in connection with the insurance products we help you obtain. When you authorize us as your agent of record, we may access your Healthcare.gov or state marketplace account, select and enroll you in health insurance plans, update your information, and assist with renewals and changes. We receive commissions from insurance companies for policies sold. These commissions do not increase the cost of your insurance and are paid by the insurance company, not by you. Commission rates may vary by insurance company and product type but do not affect our obligation to recommend suitable coverage. Upon request, we will disclose the specific commission rates for any insurance product we recommend. Our recommendations are based on your needs and circumstances, not commission levels.
6. Website Usage Terms
We grant you a limited, non-exclusive, non-transferable license to access and use our Website for personal, non-commercial purposes in accordance with these Terms. You may not copy, modify, or distribute our Website content, use it for commercial purposes without permission, reverse engineer or attempt to extract source code, remove or modify any copyright notices, or create derivative works based on our Website. If you submit content to our Website (reviews, comments, etc.), you grant us a non-exclusive, royalty-free, perpetual license to use, modify, and distribute such content for business purposes.
7. Privacy and Data Protection
Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. We implement appropriate technical and administrative safeguards to protect your personal information. However, no system is completely secure, and we cannot guarantee absolute security. We may share your information with insurance companies, government marketplaces, and service providers as necessary to provide our services and as described in our Privacy Policy.
8. Insurance Application Process
We assist you in completing insurance applications, but you are responsible for reviewing all information for accuracy, understanding the terms and conditions of your coverage, and making final decisions about coverage options. Health insurance enrollment is limited to Open Enrollment Periods and Special Enrollment Periods. We will inform you of applicable enrollment periods and deadlines. You agree to provide accurate income information for subsidy calculations and notify us immediately of any income changes.
9. Fees and Payment Terms
Help Find Healthcare services are generally provided at no cost to consumers. We are compensated through insurance company commissions. You are responsible for paying insurance premiums directly to the insurance company or through the marketplace, and we may assist with payment setup but are not responsible for premium payments. You may incur fees from third parties (insurance companies, payment processors, etc.) that are not controlled by us.
10. Disclaimers and Limitations
We strive to maintain continuous service availability but do not guarantee uninterrupted access to our Website or Services. Insurance coverage is subject to insurance company approval. We cannot guarantee specific coverage terms or premium rates. Coverage details are determined by insurance company policies, and claims payment is the responsibility of the insurance company.
11. Limitation of Liability
To the maximum extent permitted by law, Help Find Healthcare shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, business interruption, or coverage denials. Our total liability for any claims arising from or related to these Terms or our Services shall not exceed the total commissions we received on your behalf in the 12 months preceding the claim.
12. Indemnification
You agree to indemnify, defend, and hold harmless Help Find Healthcare, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from your use of our Services, your violation of these Terms, or any applicable laws.
13. Intellectual Property
All content on our Website, including text, graphics, logos, images, software, and design elements, is owned by or licensed to Help Find Healthcare and is protected by copyright, trademark, and other intellectual property laws. "Help Find Healthcare" and related marks are trademarks of our company. You may not use our trademarks without our written permission.
14. Termination
You may terminate your use of our Services at any time by discontinuing use of our Website, requesting closure of your account, or notifying us in writing of termination. We may terminate or suspend your access immediately without prior notice if you breach these Terms or engage in fraudulent activity. Upon termination, your right to use our Services immediately ceases, and we may delete your account and data, subject to legal retention requirements. Send termination requests to: info@helpfindhealthcare.com
15. Dispute Resolution
Any dispute arising from or relating to these Terms or our Services shall be resolved through binding arbitration, except for cases seeking injunctive relief in court. Arbitration will be conducted under the Commercial Arbitration Rules of the American Arbitration Association (AAA). Disputes under $10,000 may be resolved in small claims court.
16. Governing Law and Jurisdiction
These Terms are governed by the laws of Florida. For any disputes not subject to arbitration, the exclusive jurisdiction shall be the state and federal courts located in Hillsborough County, Florida.
17. Regulatory Compliance
Help Find Healthcare employs licensed agents in the following states: Florida, Georgia, Texas, South Carolina, Tennessee, Louisiana and Mississippi. Our insurance activities are subject to regulation by state insurance departments. You may contact the appropriate state insurance department with complaints or concerns about our services.
18. General Provisions
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Help Find Healthcare regarding your use of our Services. We may modify these Terms at any time by posting updated Terms on our Website. Material changes will be communicated via email or Website notice.
19. Accessibility
We are committed to providing accessible services to all users. If you encounter accessibility barriers while using our Website or Services, please contact us for assistance.
20. Contact Information
If you have questions about these Terms or our Services, please contact us:
Help Find Healthcare
Email:
info@helpfindhealthcare.comPhone: (813) 709-7380
Address: 15319 Palomapark Lane Lithia, Florida 33547
Last Updated: July 15, 2025