PLEASE READ THESE TERMS OF USE AND PRIVACY POLICIES CAREFULLY. By using this site, you agree to these Terms and Conditions of Use, as well as the Privacy Policies contained therein (collectively referred to as the "Terms of Use"). IF YOU DO NOT AGREE TO THESE TERMS OF USE, YOU MAY NOT USE THIS SITE.

RESTRICTIONS ON USE OF MATERIALS This site is owned and operated by Buy Affordable Health Insurance.com (referred to as "Buy Affordable Health Insurance.com" herein). Any activity on this site is subject to monitoring by Buy Affordable Health Insurance.com at any time. Anyone who uses this site consents to such monitoring and agrees that Buy Affordable Health Insurance.com may use the results of such monitoring without limitation. No materials from any website owned, operated, licensed or controlled by Buy Affordable Health Insurance.com may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without the prior written consent of Buy Affordable Health Insurance.com. Another condition of your use of this website is that you may not restrict or inhibit any other user from using this website.

LIMITATIONS OF LIABILITY Under no circumstances, including, but not limited to, negligence, shall Buy Affordable Health Insurance.com be liable for any direct, indirect, incidental, special, consequential or punitive damages that result from the use of, or the inability to use the Buy Affordable Health Insurance.com Material. You specifically acknowledge and agree that Buy Affordable Health Insurance.com is not liable for any defamatory, offensive or illegal conduct of any user. If you are dissatisfied with any of the Buy Affordable Health Insurance.com Material, or with any of Buy Affordable Health Insurance.com's terms and conditions, your sole and exclusive remedy is to discontinue using this site.

ONLINE PRIVACY Buy Affordable Health Insurance.com is respectful of the privacy concerns of all visitors to its site. As a general policy, no personal information is automatically collected from visitors to its sites. However, certain non-personal visitor information is recorded by the standard operation of Buy Affordable Health Insurance.com's servers. This information is primarily used to provide an enhanced on-line experience for the visitor. Information tracked includes the type of browser being used by the visitor (e.g., Netscape, Internet Explorer), the type of operating system (e.g., Macintosh, Windows) being used by the visitor and the domain name of the visitor's Internet service provider (e.g., America On-line, Netcom). By having this information, Buy Affordable Health Insurance.com is able to optimize its web pages automatically for each particular visitor. Other uses of this information include tracking the number of visitors to the sites (but visitors are tracked only in an aggregate and non-personally-identifiable form). E-mail addresses and other personally identifiable data about visitors to this site are known to Buy Affordable Health Insurance.com only when voluntarily submitted by the visitor. Personally identifiable information that may be collected as a result of a visitor voluntarily providing information or feedback is retained by the broker or brokers who are employees or owners of Buy Affordable Health Insurance.com and not sold or otherwise transferred outside the company. We reserve the right to send the visitor health insurance information and/or other financial services information. This information is used to better understand visitors' use of our sites and to support transactions made on the sites. Personally identifiable information collected from visitors may be provided in an aggregate form to other parties within the Buy Affordable Health Insurance.com family for marketing, advertising or other uses. Buy Affordable Health Insurance.com sometimes uses e-mail addresses and other personally identifiable information to contact visitors who communicate with us. For example, Buy Affordable Health Insurance.com directs e-mail reports regarding new updates to the website to visitors who request such information. By using this site, you signify your assent to these Terms of Use. If you do not agree to these Terms of Use, please do not use the site. Buy Affordable Health Insurance.com reserves the right, at Buy Affordable Health Insurance.com's discretion, to change, modify, add, or remove portions of these Terms of Use at any time. Please check this page periodically for changes. Your continued use of a Buy Affordable Health Insurance.com website following the posting of changes to these Terms of Use will mean that you accept those changes. You can send e-mail to Buy Affordable Health Insurance.com with any further questions to peter@buyaffordablehealthinsurance.com.

PERSONAL INFORMATION INCLUDING E-MAIL If you submit an application for an insurance product offered by us, then we will disclose your personal information to your chosen insurance company to process your application. If you submit an application for an insurance product offered through an insurance agent or agency with whom we have associated, then we may disclose your personal information to that agent or agency to process your requested quote or application. We may disclose your personal information to other companies that help us process or service your insurance application or correspond with you. For example, we may provide your personal information to a service provider to verify the validity or credit limit of your credit card. We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes. We begin collecting personal information from you when you register with us. You may register with us through our website by entering your email address and, if you are creating an account, choosing your password. Under our current process, you must create an account before (i) starting an application for an individual or family plan or for a Medicare Supplement plan, or (ii) obtaining a quote for a small business plan. You may register with us through our Customer Care Center by providing certain personal or contact information (e.g., email address, phone number, gender, date of birth) to one of our customer service representatives. We may use your personal information to get in touch with you when necessary to process your application or to provide you with a quote. We welcome your comments or questions about our website and have provided e-mail boxes for that purpose. We may share your comments and questions with our customer service representatives and those employees, contractors and/or agents most capable of addressing your questions and concerns. After your message has been received, it may be discarded or archived, depending on the nature of the communication. Your email, like most (if not all) non-encrypted internet e-mail communications, may be accessed and viewed by unauthorized individuals without your knowledge and permission while in transit to us. Unless otherwise noted, the e-mail functionality on our site does not provide a secure and confidential means of communication. For that reason, to protect your privacy, please do not use e-mail to communicate information to us that you consider to be private. If you wish, you may contact us at the number provided at various locations on our. There are some locations on our site where we have made special provisions for a more secure environment in which we can exchange information with you. Depending upon the browser you are using, you may be able to identify when a secure communication link has been established. For example, Microsoft Internet Explorer displays a padlock icon near the lower right hand corner of the screen when internet encryption is active. You may consult your browser's Help function for more information regarding secure encrypted internet communications.

NOT A SUBSTITUTE FOR PROFESSIONAL HEALTH CARE OR ADVICE The information contained in this site is general in nature and is intended for informational purposes only. It is not a substitute for the advice of health care professionals. If you have specific health care needs, or for complete health information, please see a doctor or other health care provider.

JURISDICTION Except as described otherwise, all materials in the Buy Affordable Health Insurance.com sites are made available only to provide information about Buy Affordable Health Insurance.com. Buy Affordable Health Insurance.com controls and operates this site from its headquarters in Ladera Ranch, California, United States of America and makes no representation that these materials are appropriate or available for use in other locations. If you use this site from other locations you are responsible for compliance with applicable local laws.

DISCLAIMER: BUY AFFORDABLE HEALTH INSURANCE.COM MAKES NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY OF THE CONTENT ON THIS SITE AND BUY AFFORDABLE HEALTH INSURANCE.COM ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT ON THE SITE. THE BUY AFFORDABLE HEALTH INSURANCE.COM MATERIAL IS PROVIDED "AS IS" AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. FURTHER, BUY AFFORDABLE HEALTH INSURANCE.COM DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE BUY AFFORDABLE HEALTH INSURANCE.COM MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES, WORMS, TROJAN HORSES, OR OTHER HARMFUL COMPONENTS. BUY AFFORDABLE HEALTH INSURANCE.COM DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OF, OR THE RESULTS OF THE USE OF, THE BUY AFFORDABLE HEALTH INSURANCE.COM MATERIALS ON THIS SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE. YOU (AND NOT BUY AFFORDABLE HEALTH INSURANCE.COM) ASSUME THE ENTIRE COST OF ALL NECESSARY MAINTENANCE, REPAIR OR CORRECTION. BUY AFFORDABLE HEALTH INSURANCE.COM HAS PROVIDED LINKS AND POINTERS TO INTERNET SITES MAINTAINED BY THIRD PARTIES ("THIRD PARTY SITES") AND MAY FROM TIME TO TIME PROVIDE THIRD PARTY MATERIALS ON THIS SITE. BUY AFFORDABLE HEALTH INSURANCE.COM DOES NOT OPERATE OR CONTROL IN ANY RESPECT ANY INFORMATION, PRODUCTS OR SERVICES ON THESE THIRD PARTY SITES. THE THIRD PARTY MATERIALS ON THIS SITE AND THE THIRD PARTY SITES ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, BUY AFFORDABLE HEALTH INSURANCE.COM DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY. FITNESS, AND NON-INFRINGEMENT. BUY AFFORDABLE HEALTH INSURANCE.COM DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OF, OR THE RESULTS OF THE USE OF, THE THIRD PARTY MATERIALS ON THE THIRD PARTY SITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE. YOU (AND NOT BUY AFFORDABLE HEALTH INSURANCE.COM) ASSUME THE ENTIRE COST OF ALL NECESSARY MAINTENANCE, REPAIR OR CORRECTION. PLEASE NOTE THAT SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. CHECK YOUR LOCAL LAWS FOR ANY RESTRICTIONS OR LIMITATIONS REGARDING THE EXCLUSION OF IMPLIED WARRANTIES.

DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT.

LICENSING
This web site is brought to you by the following licensed brokers in each respective state which require insurance transactions to be conducted through a licensed agent/broker. Each agent/broker is associated with Buy Affordable Health Insurance.com with principal place of business at 3 Sablewood Circle, Ladera Ranch, CA 92694. California License #0E20357