Terms Of Use

Welcome to Healthwhiz Solutions (the “Company,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of our website, online forms, digital content, and any services or communications offered through www.healthwhizsolutions.com (the “Site”).

By using our Site, submitting information, or interacting with our services—including SMS messaging—you agree to these Terms. If you do not agree, please do not use the Site.

Purpose of This Site

The content on this Site is provided for general informational and educational purposes only regarding insurance, healthcare navigation, and related services.

It is not:

• Legal advice
• Medical advice
• Financial or tax advice
• A guarantee of insurance eligibility, approval, or coverage

Decisions about insurance should be made after speaking directly with a licensed insurance professional.

Eligibility

You must be at least 18 years old to use this Site or submit information. By using the Site, you represent that you meet this requirement.

Not an Insurance Contract or Offer of Coverage

Information presented on the Site does not:

• Replace actual policy documents
• Guarantee enrollment or approval
• Represent final premium amounts
• Bind any insurance coverage

Final eligibility and benefits are determined solely by insurance carriers according to their guidelines.

Appointments, Consultations & Enrollment

When you book an appointment or request enrollment assistance:

• You agree to provide accurate and complete information.
• You acknowledge that coverage decisions depend on carrier rules and regulatory requirements.
• You understand that we may require additional documentation or information.

SMS/Text Messaging

If you opt in to receive SMS communications:

• Message frequency may vary.
• Message and data rates may apply.
• You may reply STOP to unsubscribe or HELP for assistance.
• SMS is used only for informational purposes (e.g., scheduling, follow-up, requested details).

Your participation in our SMS program is subject to our full Privacy Policy, which includes SMS compliance provisions.

User Responsibilities

By using the Site, you agree not to:

• Submit false, misleading, or fraudulent information
• Use the Site for unlawful or harmful purposes
• Attempt to disrupt the Site or its security
• Copy, distribute, or misuse the content without permission
• Interfere with our communication tools or systems

We may suspend or block your access for violating these Terms.

Intellectual Property

All content on the Site—including text, graphics, branding, logos, videos, and other materials—is owned by Healthwhiz Solutions or its licensors and is protected by copyright and trademark laws.

You may not:

• Reproduce
• Modify
• Distribute
• Sell
• Display
• Create derivative works from any Site content without express written permission.

Links to Third-Party Sites

For your convenience, the Site may include links to external websites (e.g., insurance carriers, plan documents, forms). We are not responsible for:

• The content, accuracy, or policies of third-party sites
• Any products or services they may offer

Use of third-party sites is at your own risk.

No Warranties

The Site is provided “as is” without warranties of any kind, express or implied. We do not warrant that:

• The Site will be error-free or uninterrupted
• Information is fully up to date or comprehensive
• Insurance details are complete without verification from carriers

Users are responsible for confirming benefits, costs, provider participation, and coverage rules directly with insurance carriers.

Limitation of Liability

To the fullest extent permitted by law, Healthwhiz Solutions is not liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Errors or omissions in Site content
• Decisions or actions taken based on information from the Site
• Delays, interruptions, or technical issues
• Carrier decisions regarding eligibility, renewal, approval, or denial

Your sole remedy for dissatisfaction with the Site is to stop using it.

Indemnification

You agree to indemnify and hold harmless Healthwhiz Solutions and its team from any claims or damages arising from:

• Your misuse of the Site
• Your violation of these Terms
• Your infringement of intellectual property rights
• Your submission of inaccurate or misleading information

Privacy Policy

Your use of the Site is also governed by our Privacy Policy, which explains:

• How we collect and use information
• SMS terms
• Your rights and choices

You must review our Privacy Policy, which is incorporated into these Terms.

Changes to These Terms

We may update these Terms at any time. The “Last Updated” date at the top reflects the most recent revision. Continued use of the Site means you accept the updated Terms.

Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles.

Contact Us

For questions about these Terms or the Site, please contact:

Healthwhiz Solutions

Email: info@healthwhizsolutions.com

Website: www.healthwhizsolutions.com

Last Updated: November 28, 2025