Thank you for visiting insurancenyou.com. Our goal is to help you find healthcare coverage that will meet your desired needs and fit within your budget. We provide you with online tools and connect you with licensed insurance agents so that you can compare your options, select your best plan, make smart healthcare coverage decisions, and save money.
These Terms and Conditions of Use, including any policies, rules, and other terms that are expressly incorporated herein by reference (“Terms and Conditions of Use”) set forth a legally binding agreement between you (“you” or “your”) and insurancenyou.com, and in Florida (“Insurance n You,” “we,” “us,” or “our”) that sets forth the terms and conditions of use of our site, 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”).
Both you and we are bound by the class action waiver contained in this document. Only individual disputes will be resolved.
You are hereby submitting your acceptance of the following terms and conditions which govern your access and use of this website. By accessing or using the website, you acknowledge that you have read these terms and conditions and agree to be bound by the terms and conditions listed below. If you do not agree to these terms and conditions of use, you will not be allowed to access the website.
This document outlines the terms and conditions of use of the Website and includes relevant information regarding state licensing (this document is referred to herein as these “Terms and Conditions of Use”). The terms “you” and “your” when used in these Terms and Conditions of Use means any visitor or user of the Website.
By accessing or using the Website, you represent and warrant as follows:
- You can and shall comply with all of these Terms and Conditions of Use and all applicable federal, state, or local laws (including, without limitation, those pertaining to such areas as libel, slander, defamation, trade libel, product disparagement, harassment, invasion of privacy, tort, obscenity, indecency, and copyright or trademark infringement) in using the Website, and you will not perform or fail to perform any act 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.
- You have the authority and capacity, under the laws of the state or jurisdiction in which you reside, to make the representations and warranties and be bound by the covenants provided herein.
Who We Are
Insurancenyou.com, and in Florida (referred to herein as the “Website” or Insurance n You is the e-commerce division of our Florida Based Company. 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 offering a broad array of healthcare products, as well as supplemental insurance and services.
What We Do
We are not an insurance carrier, so we don’t underwrite your insurance and we don’t process or manage benefit claims. The insurance carrier or benefits provider handles those services.
Existing Insurance Coverage
It is our pleasure to assist you if you have found a healthcare product through Insurance n You. Make sure you choose your insurance and benefits carefully. DO NOT cancel any existing insurance or coverage until you receive written confirmation from the benefits provider or insurance company to which you are applying that your new policy is in effect.
Our Website, our information, and our services are owned by us. This includes text, images, software, graphics, button icons, audio and video clips, digital downloads, data compilations, logos, and other information that appears on our Website.
We may present information on behalf of or licensed from a third party. This third-party information is proprietary to its owners.
We welcome your questions, comments, and feedback. Please remember that 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 Insurance n You. None of the Submissions shall be subject to any obligation of confidentiality on the part of Insurance n You, and Insurance n You shall not be liable for any use or disclosure of any of the Submissions. Without limitation of the foregoing, Insurance n You 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. Those ideas can be shared without your consent, we don’t have to pay you for them, and we might already be considering them. Please do not submit your material if you wish to retain your rights.
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 Website (collectively, the “Material”). Please read these terms and conditions of use carefully. By accessing the Website, 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.
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. We reserve the right to terminate your use of or access to the Website 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 and Limitation of Liability
By using the Website, you expressly agree that you do so at your own risk. The material on the Website is provided “as is” and “as available”. To the fullest extent permitted by law, Insurance n You 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 the Website, any use of the Website and any Website to which the Website is linked. Insurance n You does not warrant that the material on the Website is complete or accurate, that use of this Website will be uninterrupted or error-free, or that this Website or server or any material on this Website is free of disabling devices (as hereinafter defined).
You understand and agree that any material downloaded or otherwise obtained through the Website 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 devices 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.
Insurance n You’s terms and conditions will apply when you purchase a product offered by the company. Using the Website does not affect that purchase in any way.
Limitations on Authority
Our Website uses reasonable efforts to provide accurate and up-to-date information, but errors and omissions may occur.
You understand that to the extent permitted under applicable law, under no circumstances shall Insurance n You, 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. If you are dissatisfied with any portion of the Website, your sole and exclusive remedy is to discontinue the use of the Website.
Any damage, harm, injury, or malfunction caused by your use of the Website and/or its contents is solely your responsibility (not Insurance n You or its parents or affiliates).
Our Website may include links to third parties or provide you with content provided by third parties. Although we hope you will find the sites informative and useful, we do not control their websites or content. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers or any other user of the Website, are those of the respective author(s) or distributor(s) and not of Insurance n You.
Legal Jurisdictions Only
It provides information about insurance products and services that can only be sold in states and jurisdictions where such products and services are legal. Except as otherwise expressly stated herein, Insurance n You does not warrant that materials on this Website are appropriate or available for use in any particular location. Those who choose to access this Website 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 the Website 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.
Copyrights and Trademarks
Content on the Website, except third-party content, is protected by the United States and international copyright laws. Insurance n You or, with respect to third-party content, its owner prohibits reprinting or republishing any part of the Material on the Website without their express written permission. You may download Material from this Website 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 devices) to monitor or copy our web pages or the content contained thereon; (c) link or deep-link to the Website for any purpose; or (d) frame the Website, place pop-up windows over its pages, or otherwise affect the display of its pages.
Certain of the names, logos, and other materials displayed on this Website constitute trademarks, tradenames, service marks, or logos (“Marks”) of Insurance n You 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 Insurance n You and is protected by the United States and international trademark laws. Nothing contained on the Website should be construed as granting, by implication or otherwise, any license or right to use any of the Marks displayed on the Website. The use of any of the Marks displayed on the Website, or any other content on the Website, except as provided herein, is strictly prohibited. Marks appearing on the Website that are not owned by Insurance n You belong to their respective owners.
Insurance n You shall have the right at any time to change or discontinue any aspect or feature of the Website, including, but not limited to, content, hours of availability, products and services, and equipment and/or software required for access to or use of the Website. You acknowledge that Insurance n You may change any of the terms and/or conditions set forth in these Terms and Conditions of Use, and you agree to accept such changes if you use the Website in the future. In the event that you object to any such changes, your only and exclusive remedy shall be to discontinue using the Website. Insurance n You reserves all rights not expressly granted herein.
The 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 laws of a jurisdiction other than Florida. The 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 shall be deemed severable and shall not affect the validity and enforceability of any remaining provision. These Terms and Conditions of Use constitute the entire agreement of the parties with respect to the subject matter hereof and supersedes all previous written or oral agreements between the parties with respect to such subject matter.
Indemnify, defend and hold harmless Insurance n You, 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 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
It is not allowed in some jurisdictions to exclude certain warranties or limit or exclude liability for incidental or consequential damages. Therefore, some of the above limitations and disclaimers may not apply to you. The scope and duration of any implied warranty and the extent of our liability shall be the minimum permitted under applicable law, to the extent that Insurance n You cannot disclaim such warranties or limit its liabilities.
In its sole discretion, Insurance n You may terminate your access to the Website, Material, or Software at any time, without prior notice. 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. The provisions of these Terms and Conditions of Use will survive any termination of your access to the Website, Material or Software, and Insurance n You will not be liable to you or any other party.
Violations of Terms and Conditions of Use
Insurance n You 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 the Website, and irreparable harm will be presumed by any violation of these Terms and Conditions of Use.
You will have access to the Website through a 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 in Our Licensing & Legal Information
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 claims or disputes under these terms shall not be joined with any other claims or disputes to the extent permitted by law You agree and consent to resolve any and all disputes you may have under these Terms individually, without joining or consolidating lawsuits or proceeding with another party. You will not be allowed to bring a class action lawsuit or participate in class arbitration proceedings on behalf of other users, nor will you be allowed to act as a class representative or class member of any lawsuit.
2200 W commercial Blvd Suite 304 Fort Lauderdale, Fl 33309
If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate it by emailing our Customer Support at Sales@pmcone.com or by calling 855-249-4939.
We will retain your information for as long as your account is active or as needed to provide you with services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.