Welcome to Happy Days Healthcare. These Terms of Service ("Terms") govern your use of our website happydays.health and our Medicare supplement comparison services. By accessing or using our services, you agree to be bound by these Terms.
1. Acceptance of Terms
By accessing and using Happy Days Healthcare's website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.
2. Description of Services
Happy Days Healthcare provides an online platform that allows users to compare Medicare Supplement (Medigap) insurance plans from various carriers. Our services include:
- Plan comparison tools showing coverage options and estimated costs
- Educational resources about Medicare supplement insurance
- Connection to licensed insurance agents for enrollment assistance
- Customer support via phone, text, and email
3. Eligibility
Our services are intended for individuals who are:
- At least 18 years of age
- Residents of the United States
- Eligible for or enrolled in Medicare
4. User Accounts
To access certain features, you may need to create an account. You agree to:
- Provide accurate and complete information
- Keep your login credentials secure
- Notify us immediately of any unauthorized access
- Be responsible for all activities under your account
5. Accuracy of Information
While we strive to provide accurate and up-to-date information about Medigap plans, we do not guarantee the accuracy, completeness, or timeliness of any information. Plan details, pricing, and availability may change without notice. Always verify information directly with insurance carriers before making decisions.
6. Not Insurance Advice
The information provided on our website is for educational and comparison purposes only. It does not constitute insurance advice, financial advice, or a recommendation to purchase any specific plan. We encourage you to consult with licensed insurance professionals and consider your individual circumstances before making insurance decisions.
7. Third-Party Services
Our services may connect you with third-party insurance carriers and licensed agents. We are not responsible for the actions, products, or services of these third parties. Your interactions with third parties are governed by their own terms and policies.
8. Prohibited Uses
You agree not to:
- Use our services for any unlawful purpose
- Provide false or misleading information
- Interfere with the proper functioning of our website
- Attempt to gain unauthorized access to our systems
- Use automated systems to access our services without permission
- Copy, modify, or distribute our content without authorization
9. Intellectual Property
All content on our website, including text, graphics, logos, and software, is the property of Happy Days Healthcare or our licensors and is protected by intellectual property laws. You may not use our content without our written permission.
10. Limitation of Liability
To the maximum extent permitted by law, Happy Days Healthcare shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability shall not exceed the amount you paid us, if any, in the past 12 months.
11. Disclaimer of Warranties
Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or secure.
12. Indemnification
You agree to indemnify and hold harmless Happy Days Healthcare, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these Terms.
13. Changes to Terms
We may modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website. Your continued use of our services after changes become effective constitutes acceptance of the modified Terms.
14. Termination
We may suspend or terminate your access to our services at any time, with or without cause, and with or without notice. Upon termination, your right to use our services will immediately cease.
15. Governing Law
These Terms shall be governed by the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts located in Travis County, Texas.
16. Contact Information
If you have questions about these Terms, please contact us:
- Phone: (512) 806-0111
- Email: legal@happydays.health