Terms of Use

1. Acceptance of Terms

By accessing or using the website, applications, or other services (collectively, the "Service") provided by Clarity Health Insurance, you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you may not access or use our Service. These Terms constitute a legally binding agreement between you and Clarity Health Insurance.

2. Eligibility

You must be at least 18 years of age to use our Service. By agreeing to these Terms, you represent and warrant to us that you are at least 18 years of age, are a resident of the United States, and are legally competent to enter into this agreement.

3. Description of Service

Clarity Health Insurance provides a Service that connects individuals with information about health insurance plans, benefits, and related products offered by third-party insurance carriers. Our Service includes providing quotes, plan comparisons, and educational content to help you make informed decisions about your health coverage. We are not an insurance carrier.

4. User Conduct

You agree to use the Service only for lawful purposes. You are prohibited from any use of the Service that would constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law. Prohibited activities include, but are not limited to:

• Submitting false, inaccurate, or misleading information.
• Engaging in any activity that is fraudulent, abusive, or harmful to others.
• Attempting to interfere with the proper functioning of the Service.
• Using any automated system, such as "bots" or "spiders," to access the Service.

5. SMS Messaging Terms

By providing your mobile phone number and opting in, you provide your express written consent to receive marketing and informational text messages from Clarity Health Insurance, which may be sent using an automatic telephone dialing system. Your consent is not a condition of any purchase.

• Message Frequency: Message frequency will vary depending on your interactions with our Service.
• Opt-Out: You may opt out of receiving SMS messages at any time by replying STOP to any message you receive from us. You will receive a one-time confirmation text to confirm your opt-out request.
• Help: For assistance, reply HELP to any message or contact our support team at [email protected].
• Rates: Message and data rates may apply. Please consult your mobile carrier for details on your specific plan.

6. Voice Calls Terms

By providing your phone number, you provide your express consent for Clarity Health Insurance and its partners to contact you with marketing communications via live agent, artificial or prerecorded voice, and automatic telephone dialing system calls at the number you provided, even if your number is on a state or national Do Not Call list.

• Call Frequency: Call frequency will vary based on your request for information and engagement with our services.
• Opt-Out: You can opt out of future calls by stating your request to be placed on our internal Do Not Call list during any call you receive. If you have also consented to SMS messages, you may reply STOP to a message to opt out of both calls and texts.
• Help & Support Hours: For help, please email us at [email protected] or call 123-456-7890 during our support hours of 9:00 AM to 5:00 PM Central Time, Monday through Friday.
• Rates: Your mobile or landline carrier's rates and fees may apply to any calls you receive from us.

7. Intellectual Property

All content included on the Service, such as text, graphics, data, and software, is the property of Clarity Health Insurance or its content suppliers and is protected by United States and international copyright and trademark laws. The compilation of all content on this site is the exclusive property of Clarity Health Insurance.

8. Disclaimer of Warranties & Limitation of Liability

The Service is provided on an "as is" and "as available" basis. Clarity Health Insurance makes no representations or warranties of any kind, express or implied, as to the operation of the Service or the information, content, or materials included. To the full extent permissible by law, Clarity Health Insurance disclaims all warranties, express or implied. Clarity Health Insurance will not be liable for any damages of any kind arising from the use of this Service, including, but not limited to direct, indirect, incidental, punitive, and consequential damages.

9. Changes to Terms

We reserve the right to modify these Terms at any time. We will post the revised Terms on this page and update the "Last Updated" date. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.

10. Governing Law

These Terms and any dispute arising out of or related to them will be governed by and construed in accordance with the laws of the State of Oregon, without regard to its conflict of law principles. You agree to submit to the personal and exclusive jurisdiction of the state and federal courts located within Multnomah County, Oregon.