Updated July 2022

Welcome

Welcome to insurancenyou.com. Our goal is to help you find healthcare coverage that meets your needs and fits within your budget. Our online tools and agent connections help you compare your options, choose the best plan, make smart healthcare coverage decisions, and save money on healthcare coverage.

Terms and Conditions of Use, including policies, rules, and other terms expressly incorporated herein by reference (“Terms and Conditions of Use”), set forth a legally binding agreement between you (“you” or “your”) and Horizon Healthcare Advisors, LLC, currently located at insurancenyou.com, along with any services, materials, online communications, content or functionality that are provided or made available on that website, and includes relevant information regarding state insurance licensing (collectively, the “Website”). All disputes must be resolved individually under the Terms and Conditions of Use, which includes a class action waiver.

Your Agreement

Please read these Terms of Use carefully before using our Website. We prohibit you from using our Website for any unlawful or illegal purpose. Your personal information is also protected by our Privacy Policy.

This document outlines the terms and conditions of use of the Website and provides relevant information regarding state licensing (hereafter referred to as “Terms and Conditions of Use”). As used in these Terms and Conditions of Use, “you” and “your” refer to any visitor or user of the Website.

These Terms of Use may be updated periodically, and the date will be posted here. You agree to the updated Terms of Use by continuing to use our site.

As a condition of accessing or using the Website, you represent and warrant that:

• In using the Website, you agree to comply with all applicable federal, state, or local laws (including, without limitation, those pertaining to libel, slander, defamation, trade libel, product disparagement, harassment, invasion of privacy, tort, obscenity, indecency, and copyright or trademark infringement). You will not take any actions that you know or reasonably should know would place us or our affiliates in violation of any applicable law. Without limiting the generality of the foregoing, you agree to comply with all laws and regulations regarding online conduct and acceptable content and regarding the transmission of technical data exported from the United States or the country from which you access the Website.
• In accordance with the laws of the state or jurisdiction in which you live, you are authorized to make the representations and warranties and be bound by these covenants.

Who We Are

It is the e-commerce division of Horizon Healthcare Advisors, LLC, in Florida. Our team has experience delivering healthcare coverage and benefit plan solutions to consumers. We are a licensed agency and are appointed with A-rated healthcare carriers.

What We Do

Using our tools and resources, you can search, compare, find, and apply for healthcare products and connect with a licensed agent. Once you find a plan and decide to apply, we send your completed application to the entity processing your membership or purchase, which may be the carrier or its administrator. Read the Privacy Policy and Terms of Use of the entity processing your policy membership.

We are not an insurance carrier, so we don’t underwrite your insurance or manage benefit claims. Those services are handled by the insurance carrier or benefits provider.

Existing Insurance Coverage

If you found a healthcare product through Horizon Healthcare Advisors, LLC, we are grateful to have been able to help. Be mindful when purchasing insurance and benefits. You should not cancel any existing coverage or insurance until you receive written confirmation from the benefits provider or insurance company to whom you are applying that your new policy has started.

Content Ownership

Our Website, our information, and our services are owned by us. It includes, without limitation, text, images, software, graphics, button icons, audio clips, digital downloads, data compilations, logos, and information that appear on our Website or are part of our services. Information may be presented on behalf of or licensed from a third party. The owners of this third-party information own it.

Please feel free to contact us with any questions, comments, or feedback you may have. Any creative materials you send us, such as comments, suggestions, ideas, concepts, drawings, pictures, or other materials (collectively, “Submissions”), shall remain the property of Horizon Healthcare Advisors, LLC. Horizon Healthcare Advisors, LLC shall not be liable for any use or disclosure of any Submission. Horizon Healthcare Advisors, LLC shall exclusively own all rights now existing or hereafter existing to the Submissions worldwide 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. Your ideas can be shared without your consent, you don’t have to pay us for them, and we may already be considering them. Please do not submit your material if you would like to retain your rights.

Conditions of Use

All materials, online communications, and other information and materials available on or through the Website (collectively, the “Material”) are subject to these terms and conditions. Please read these terms and conditions carefully. By accessing this Website, you specifically acknowledge that you have read and agree to these terms and conditions of use, without limitation or qualification. Any modification to these terms and conditions will be effective immediately upon posting. Such revisions are binding on you and you should therefore periodically visit this page to review the then current terms and conditions.

You warrant that you are at least 18 years old and possess the legal authority to use this Website. The terms and conditions of use are legally binding. You should immediately exit the Website if you do not agree with any or all of these terms and conditions. You may terminate your use of or access to the Website or your account at any time for any reason, including, without limitation, if you violate these terms and conditions.

Disclaimer of Warranties and Limitation of Liability

By using the Website, you expressly agree that you do so at your own risk. Website material is provided “as is” and “as available”. The Website, any use of the Website, and any website to which the Website is linked are provided “AS IS” without warranty of any kind, either express or implied. Horizon Healthcare Advisors, LLC disclaims all warranties of any kind, either express or implied. This includes without limitation, warranties of title, noninfringement, or implied warranties of merchantability or fitness for a particular purpose. As a result, Horizon Healthcare Advisors, LLC does not warrant that the information on this Website is complete or accurate, that its use will be uninterrupted or error-free, or that it is free of disabling devices (as hereinafter defined).

Any material downloaded or otherwise obtained through the Website is at your own discretion and risk, and you are solely responsible for any damage to your computer services or loss of data caused by the download.

A “disabling device” is any software, document, message, or other material that contains a computer virus, worm, trojan horse, time bomb, or other harmful devices capable of erasing, scrambling, locking, or disabling any type of computer software or equipment. Any purchase you make from Horizon Healthcare Advisors, LLC will be governed by its terms and conditions. In no way does your use of the Website affect that purchase.

Limitations on Authority

While our Website uses reasonable efforts to include accurate and up-to-date information on the Website, errors or omissions sometimes occur.

You understand that to the extent permitted under applicable law, under no circumstances shall Horizon Healthcare Advisors, LLC, 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, non-delivery 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 the Website, regardless of whether such damages are based on contract, tort (including negligence and strict liability), warranty, statute or otherwise. Your sole and exclusive remedy for dissatisfaction with the Website is to discontinue using it.

Horizon Healthcare Advisors, LLC, or its parents or affiliates are not responsible for any damage, harm, injury, or malfunction caused by your use of the Website and/or damage, harm, injury, or malfunction associated with your use of the Website and/or its contents.

Third Party Content

On our Website, you may find links to third parties and content provided by third parties. While we hope you find the sites informative and useful, we do not control their Websites or content. It is not the responsibility of Horizon Healthcare Advisors, LLC to express or make available any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers or other users of the Website.

Privacy

The information you provide to us or that we collect about you will be handled in accordance with our Privacy Policy.

Legal Jurisdictions Only

Insurance products and services described on this website are only available in states and jurisdictions where they are legally available. Horizon Healthcare Advisors, LLC makes no representation that materials on this Website are appropriate or available for use in any particular location. Visitors to this Website do so at their own initiative and are responsible for complying with local laws. Products and services may not be available in all jurisdictions, and nothing on the Website should be construed as an offer, solicitation, purchase, or sale of any products or services in any jurisdiction where such offers, solicitations, purchases, or sales are illegal.

Copyrights and Trademarks

Unless otherwise stated, all Material on the Website is the property of Horizon Healthcare Advisors, LLC and is protected by United States and international copyright laws. Material on the Website may not be reprinted or republished in any form without the express written permission of Horizon Healthcare Advisors, LLC or, in the case of third party content, its owner. This Website allows you to download Material for personal, non-commercial use only, provided you do not modify the Material and keep all copyright and proprietary notices intact. Any further distribution or display of such Material is prohibited. 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 devices) to monitor or copy our web pages or their content; (c) link or deep-link to the Website for any purpose; or (d) frame the Website or place pop-up windows over its pages.

Certain of the names, logos, and other materials displayed on this Website constitute trademarks, tradenames, service marks or logos (“Marks”) of Horizon Healthcare Advisors, LLC or third parties. All such Marks are not authorized for use by you. Except for third party Marks, all such Marks and the goodwill associated with them remain the property of Horizon Healthcare Advisors, LLC and are protected by United States and international trademark laws. Any of the Marks displayed on the Website should not be construed as granting, by implication or otherwise, any license or right to use them. The use of the Marks displayed on the Website, or any other content on the Website, except as provided herein, is strictly prohibited. On the Website, all trademarks that are not owned by Horizon Healthcare Advisors, LLC are the property of their respective owners.

Change Management

In addition to the Content, the hours of availability, the products and services, and any equipment and/or software required to access or use the Website, Horizon Healthcare Advisors, LLC reserves the right to change or discontinue any aspect or feature of the Website at any time.terms and/or conditions set forth in these Terms and Conditions of Use and any subsequent use of the Website 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 use of the Website. Any rights not expressly granted herein are reserved to Horizon Healthcare Advisors, LLC.

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 conflict of laws that would require the application of the laws of a jurisdiction other than Florida. Venue for all disputes will be the Federal and State courts located in Broward County, Florida. Any provision of these Terms and Conditions of Use that is unlawful, void, or unenforceable for any reason shall be deemed severable from these Terms and Conditions of Use and shall not affect the validity and enforceability of the remaining provisions. As to the subject matter hereof, these Terms and Conditions of Use constitute the entire agreement between the parties and supersede any prior written or oral agreements between them.

Indemnification

You agree to indemnify, defend and hold harmless Horizon Healthcare Advisors, LLC, 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 the Website, (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 the Website.

Exclusions and Limitations

There are some jurisdictions that do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. As a result, some of the above limitations and disclaimers may not apply to you. Horizon Healthcare Advisors, LLC may not, as a matter of applicable law, disclaim any implied warranty or limit its liability, but the scope and duration of such warranty and our liability shall be the minimum permitted.

Termination

Horizon Healthcare Advisors, LLC, at its sole discretion, may terminate your access to the Website, Material or Software at any time for any reason, including, without limitation, if we believe that you have violated or acted inconsistently with these Terms and Conditions of Use. Moreover, Horizon Healthcare Advisors, LLC shall not be liable for any termination of your access to the Website, Material, and Software. These Terms and Conditions of Use shall survive any termination of your access to the Website, Material, or Software.

Violations of Terms and Conditions of Use

For any violation of these Terms and Conditions of Use, Horizon Healthcare Advisors, LLC reserves the right to seek any remedy available at law or in equity, including the right to block access from a particular Internet address, and irreparable harm will be presumed.

Licenses

You will have access to the Website through licensed agent(s)/broker(s) in each state where insurance transactions must be conducted through a licensed agent/broker. A list of our licenses may be found here.

Dispute Resolution – Class Action Waiver

A claim or cause of action you may have with respect to this Website must be brought within one (1) year of the occurrence of the claim or cause of action.

The parties agree not to join any claims or disputes brought under these terms with those filed by anyone else under these terms, whether through class action proceedings or otherwise. Neither we nor you will be entitled to join or consolidate any claims by or against other users in court or in arbitration or otherwise participate in any claim as a class representative, class member, or private attorney general.

Contacting Us

If you have any questions about Horizon Healthcare Advisors, LLC, this Website, our services, Privacy Policy, or our Terms of Use, you may contact us at:

Horizon Healthcare Advisors, LLC

2200 W commercial Blvd Suite 304 Fort Lauderdale, Fl 33309

Please notify our Customer Support at contact@insurancenyou.com or by calling. If your personally identifiable information changes, or if you no longer desire our service.

We will retain your information for as long as your account is active or as needed to provide you with services. To comply with our legal obligations, resolve disputes, and enforce our agreements, we will retain and use your information as needed.