These Terms & Conditions (the “Terms”) are a binding agreement between you and Sprinter Insurance Agency LLC, doing business as Health Enrollment Center (“Health Enrollment Center,” “we,” “us,” or “our”), governing your access to and use of healthenrollcenter.com and any affiliated pages, subdomains, and landing pages, and your submission of any request for a quote or information (collectively, the “Services”).
By accessing or using the Services, clicking a button or checkbox indicating your agreement, or submitting your information to us, you represent that you are at least 18 years old and agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you use the Services on behalf of another person, you represent that you are authorized to do so and to bind that person to these Terms.
Health Enrollment Center is a trade name of Sprinter Insurance Agency LLC, a licensed insurance agency. We help consumers compare and enroll in health insurance and related products. We are a private company. We are not HealthCare.gov, not a state or federal exchange or marketplace, and not affiliated with, endorsed by, or connected to any government agency. Nothing on the Services is an offer of insurance or a policy; insurance is offered only by licensed carriers and subject to their terms, eligibility rules, and approval.
Content on the Services is provided for general informational purposes only and is not insurance, financial, tax, medical, or legal advice. Plan availability, premiums, benefits, subsidies, and eligibility depend on your individual circumstances, your location, and carrier and government rules, and are subject to change. Any figures, savings estimates, or examples shown are illustrative and not a promise of coverage, price, or eligibility. You are responsible for verifying all plan details directly with the carrier before enrolling and for reviewing the official plan documents.
The Services are intended for residents of the United States who are 18 years of age or older. You agree to provide accurate, current, and complete information when you use the Services, and to keep it updated. Providing false, misleading, or unauthorized information (including submitting another person’s contact information without permission) is prohibited.
Please read this section carefully — it affects your legal rights.
By submitting your information through the Services (for example, by entering your telephone number and clicking “Get my quote,” “Compare plans,” “Submit,” or a similar button), you provide your prior express written consent, signature, and agreement for Health Enrollment Center, Sprinter Insurance Agency LLC, our affiliates, one or more licensed insurance agents and agencies (including agents unaffiliated with us), and our marketing partners and their service providers (collectively, the “Callers”) to contact you at the telephone number(s) and email address you provide — including any wireless, cellular, or landline number — regarding health insurance and other insurance and financial products and services, using:
You agree that this consent applies even if the telephone number you provide is registered on any federal, state, corporate, or internal Do-Not-Call or Do-Not-Contact list, and that it constitutes an established business relationship and written permission to be contacted for telemarketing and servicing purposes. You represent that you are the subscriber or customary user of the number(s) you provide and are authorized to consent to being contacted at those number(s).
You acknowledge and agree that: (a) your consent is not required as a condition of purchasing any goods or services, and you may instead call us directly to obtain assistance; (b) message and data rates may apply, and message frequency varies; (c) calls and messages may be recorded, monitored, and stored for quality, training, verification, and compliance; and (d) neither we nor the Callers guarantee that any particular product, price, or level of service will result from being contacted.
Revoking consent / opting out. You may revoke this consent and stop communications at any time by: replying STOP to any text message (reply HELP for help); telling any agent to add you to our internal do-not-call list; clicking “unsubscribe” in our emails; or contacting us using the details in Section 17. We will honor your request within a reasonable time as required by law. Revocation does not apply to communications already in transit, and we may continue to send non-marketing, transactional, or service-related messages relating to an existing relationship or transaction.
You consent to conduct business electronically and to the use of electronic records and signatures. Your act of submitting a form, checking a box, or clicking a button indicating agreement constitutes your electronic signature and has the same legal effect as a handwritten signature, as permitted by the federal E-SIGN Act and applicable state law. You may request a paper copy of any record by contacting us; charges may apply.
To document your consent and interactions, we use ActiveProspect’s TrustedForm service, which captures technical and behavioral information about your visit and generates a certificate that we and our partners may retain. See our Privacy Policy for details. You consent to this collection and to our retention and disclosure of these certificates for compliance, quality-assurance, and dispute-resolution purposes.
Quotes and plan options presented through the Services are estimates generated from the information you and third parties provide and are not offers, binders, or guarantees of coverage, price, or eligibility. Coverage is subject to carrier underwriting, eligibility rules, government requirements, and formal application and approval. We do not guarantee the accuracy, completeness, or availability of any quote, plan, carrier, or agent, and we are not responsible for the acts, omissions, products, or services of any carrier, agent, or third party.
The Services and their content — including text, graphics, logos, trademarks, and software — are owned by or licensed to us and are protected by intellectual-property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for your personal, non-commercial use. You may not copy, reproduce, modify, distribute, scrape, frame, or create derivative works from the Services without our prior written permission.
You agree not to: (a) use the Services for any unlawful, fraudulent, or unauthorized purpose; (b) submit false information or another person’s information without authorization; (c) interfere with or disrupt the Services or attempt to gain unauthorized access to any system; (d) use bots, scrapers, or automated means to access the Services except as expressly permitted; or (e) infringe the rights of any third party.
The services and all content are provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the services will be uninterrupted, secure, error-free, or free of harmful components, or that any information provided is accurate, complete, or current. Any reliance you place on the services is at your own risk.
To the fullest extent permitted by law, in no event will Health Enrollment Center, Sprinter Insurance Agency LLC, or our officers, members, employees, agents, or partners be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or relating to your use of the services, whether based in contract, tort, statute, or otherwise, even if advised of the possibility of such damages. Our total aggregate liability for any claim arising out of or relating to the services or these terms will not exceed one hundred U.S. dollars ($100).
You agree to indemnify, defend, and hold harmless Health Enrollment Center, Sprinter Insurance Agency LLC, and our officers, members, employees, agents, and partners from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Services, your violation of these Terms, or your violation of any law or the rights of any third party.
Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to have a jury trial.
You and we agree that any dispute, claim, or controversy arising out of or relating to the Services, these Terms, our communications with you (including any calls or texts), or our relationship (collectively, a “Dispute”) will be resolved exclusively by final and binding individual arbitration, rather than in court, except that either party may bring an individual claim in small-claims court. The arbitration will be administered by a nationally recognized arbitration provider under its consumer arbitration rules, and the Federal Arbitration Act governs the interpretation and enforcement of this provision.
You and we agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of a representative or class proceeding. You and we waive any right to a jury trial.
Opt-out. You may opt out of this arbitration agreement by sending written notice to the contact address in Section 17 within 30 days of first accepting these Terms, stating your name, the number/email you used, and your intent to opt out of arbitration. Opting out will not affect any other part of these Terms.
Except as otherwise provided in Section 14, these Terms and any Dispute are governed by the laws of the State of [State of Organization], without regard to its conflict-of-laws rules. Subject to the arbitration agreement, you agree to the exclusive jurisdiction and venue of the state and federal courts located in that state for any matter not subject to arbitration. If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.
We may modify these Terms from time to time. When we do, we will revise the “Last updated” date above. Your continued use of the Services after an update constitutes acceptance of the revised Terms. If you do not agree to the changes, stop using the Services.
Sprinter Insurance Agency LLC d/b/a Health Enrollment Center
Attn: Legal
Mailing address available on request
Phone: (844) 671-5373 (TTY 711)
Email: legal@healthenrollcenter.com