Terms and Conditions

Last Updated: August 21, 2026

1. Introduction

Welcome to E HealthCare Options INC. These Terms & Conditions (“Terms”) govern your access to and use of the E HealthCare Options website and related services.

By accessing or using the website, you agree to these Terms. If you do not agree with these Terms, please do not use the website.

2. Definitions

For purposes of these Terms:

  • Company: E HealthCare Options INC.
  • User: Any individual accessing or using the website.
  • Website: The E HealthCare Options website and related digital properties.
  • Service Providers: Third parties providing products or services through or in connection with the website.
  • Qualification Form: A request submitted by a user to be matched with Service Providers or to obtain information about available products or services.
  • Personal Information: Information that identifies or can reasonably be associated with an individual, including name, address, email address, telephone number, and other information described in our Privacy Policy.

3. Eligibility

The website is intended for individuals who are at least 18 years of age.

By using the website, you represent that you are at least 18 years old; you have the legal capacity to enter into these Terms; the information you provide is accurate and complete; and your use of the website complies with applicable laws and regulations.

If you do not meet these requirements, you must not use the website.

4. License to Use the Website

Subject to these Terms, E HealthCare Options INC grants you a limited, non-exclusive, non-transferable, non-assignable license to access and use the website for lawful purposes.

Commercial exploitation of the website, its content, code, information, data, or other materials without written authorization is prohibited.

5. Account Creation and Use

Certain features may require you to create an account.

You are responsible for maintaining the confidentiality of your account credentials; providing accurate and current information; updating your information when necessary; and notifying us promptly of unauthorized access or security incidents.

You are responsible for activity occurring through your account.

6. Acceptable Use

You may use the website only for lawful purposes.

You may not:

  • Submit false, fraudulent, or misleading information.
  • Impersonate another person or entity.
  • Upload harmful or unlawful material.
  • Interfere with the website’s operation.
  • Attempt unauthorized access to the website or its systems.
  • Use automated means to access the website without authorization.
  • Circumvent security controls.
  • Introduce malware, viruses, spyware, or other harmful components.
  • Engage in activities that disrupt the security, integrity, or availability of the website.

7. Monitoring and Security

We may monitor network traffic and website activity to identify unauthorized access, security threats, misuse, or attempts to modify or damage the website. We reserve the right to investigate suspected violations and take appropriate action.

8. Accurate Information

You agree to provide accurate, complete, and current information when using the website, submitting a Qualification Form, requesting information, or completing an application. You are responsible for the accuracy of the information you provide.

9. User Representations

You represent and warrant that you will use the website lawfully; that information submitted by you is accurate and complete; that you have authority to provide information submitted through the website; and that your use of the website does not violate applicable law.

10. Accuracy of Content

We make reasonable efforts to maintain accurate information on the website. However, we do not warrant that all content is complete, current, accurate, or error-free. Information may change without notice. You should independently verify information before relying upon it for an insurance, financial, or healthcare decision.

11. No Medical Advice

The website may contain health-related and insurance-related information for general informational purposes. Nothing on the website constitutes medical advice, diagnosis, or treatment. You should consult an appropriately qualified healthcare professional regarding medical questions or concerns.

12. Health Insurance and Marketplace Services

E HealthCare Options INC may provide information about health insurance products, Marketplace qualified health plans, financial assistance, eligibility, and enrollment.

We may connect consumers with licensed insurance agents and Service Providers who can provide additional information and assistance.

Availability of plans, products, agents, services, financial assistance, and enrollment opportunities may vary based on applicable law, location, eligibility, and other factors.

13. Service Providers

The website may provide opportunities to connect with third-party Service Providers, including licensed insurance agents, brokers, carriers, and other service providers.

We do not guarantee that any Service Provider will provide products or services that meet your expectations. You are responsible for evaluating any Service Provider and the products or services offered. Any transaction or agreement entered into between you and a Service Provider is between you and that Service Provider.

14. Platform Availability

We make commercially reasonable efforts to maintain website availability. However, we do not guarantee that the website will always be available, uninterrupted, timely, secure, or error-free. Maintenance, updates, technical problems, or circumstances beyond our reasonable control may affect availability.

15. Platform Security

We maintain security measures designed to protect personal information. However, no website, network, or electronic transmission can be guaranteed to be completely secure. You acknowledge the inherent risks associated with transmitting information over the internet.

16. SMS/Text Messaging Terms

Messaging Program

E HealthCare Options INC may operate SMS/text messaging programs for users who separately provide SMS consent.

Messages may relate to health insurance information, Marketplace health plan options, insurance quotes, eligibility assistance, financial assistance, enrollment assistance, appointments, customer service, or other services or communications relating to your request.

SMS Consent

By affirmatively selecting the SMS consent checkbox on an applicable form, you consent to receive text messages from E HealthCare Options INC at the mobile number you provide.

SMS consent is optional and is not required to submit a form, obtain information, purchase insurance, or enroll in a health plan.

Message Frequency

Message frequency varies.

Message and Data Rates

Message and data rates may apply.

Opt Out

Reply STOP to any SMS message to opt out.

Help

Reply HELP for assistance. You may also contact:

Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages.

Mobile Information

Mobile telephone numbers, SMS opt-in information, messaging consent records, and SMS-related data will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.

Service Providers that assist us in operating our messaging program may receive information as necessary to provide those services on our behalf.

17. Disclaimer of Warranties

The website, content, functions, materials, and services are provided “as is” and “as available.”

To the maximum extent permitted by applicable law, E HealthCare Options INC disclaims all express and implied warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, availability, and security.

We do not guarantee that the website will meet your requirements or operate without interruption, delay, or errors. Your use of the website is at your own risk.

18. Limitation of Liability

To the maximum extent permitted by applicable law, E HealthCare Options INC and its representatives will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or relating to your use of the website; your inability to access or use the website; unauthorized access to your account; information or content provided through the website; transactions facilitated through the website; errors or omissions; unauthorized access to or disclosure of information; statements or conduct of third parties; or events beyond our reasonable control.

19. Indemnification

You agree to defend, indemnify, and hold harmless E HealthCare Options INC and its officers, directors, employees, agents, contractors, affiliates, and representatives from claims, damages, liabilities, costs, and expenses arising from your violation of these Terms; your misuse of the website; your violation of applicable law; your infringement of third-party rights; information or data you provide; or your violation of applicable website policies.

20. Suspension and Termination

E HealthCare Options INC may suspend or terminate access to the website or an account where we reasonably believe that a user has violated these Terms, applicable law, or website policies. We may also modify or discontinue portions of the website or services.

21. Modifications to the Website and Services

We may modify, update, suspend, or discontinue features of the website or services at any time. We may also revise these Terms. Updated Terms become effective upon posting unless otherwise required by law. Your continued use of the website after updated Terms are posted constitutes acceptance of the revised Terms to the extent permitted by law.

22. General Terms

Entire Agreement

These Terms, together with our Privacy Policy and other policies expressly incorporated into these Terms, constitute the agreement governing your use of the website.

Assignment

You may not assign your rights or obligations under these Terms without our prior written consent. We may assign these Terms as permitted by law.

No Waiver

Our failure to enforce any provision does not waive our right to enforce that provision later.

Severability

If any provision is found invalid or unenforceable, the remaining provisions will remain in effect.

23. Notices and Communications

We may communicate with you electronically regarding your account, requests, services, legal notices, updates, and other matters.

Marketing communications will be subject to applicable law and your communication preferences and consent.

SMS communications are governed by the SMS/Text Messaging Terms contained in these Terms.

24. Dispute Resolution and Arbitration

You and E HealthCare Options INC agree to make a good-faith effort to resolve disputes informally before initiating arbitration.

Either party must provide written notice describing the dispute and requested relief. If the dispute is not resolved within the applicable period, it may proceed to arbitration as provided by the arbitration provisions applicable to these Terms.

To the extent permitted by applicable law, disputes subject to arbitration will be handled on an individual basis and not as a class, collective, representative, or private attorney general action.

You may opt out of the arbitration agreement by providing written notice within 30 days of first accepting these Terms.

The arbitration provisions survive termination of your relationship with E HealthCare Options INC.

25. Governing Law

These Terms are governed by the laws applicable to the jurisdiction in which E HealthCare Options INC operates, without regard to conflict-of-law principles, except where federal or applicable state law provides otherwise.

26. Exclusion of Third-Party Rights

Except where expressly stated, these Terms are intended solely for the benefit of you and E HealthCare Options INC and do not create enforceable rights for third parties.

27. Privacy Policy

Our Privacy Policy explains how we collect, use, disclose, retain, and protect personal information. The Privacy Policy is incorporated into these Terms by reference.

28. Copyright Infringement

If you believe materials on the website infringe your copyright, you may submit an appropriate notice to our designated Copyright Agent in accordance with applicable law, including the Digital Millennium Copyright Act.

29. Feedback and Communications

If you provide feedback or suggestions concerning the website or our services, we may use that feedback for business purposes. You grant E HealthCare Options INC the rights necessary to use such feedback without compensation, subject to applicable law.

30. Compliance With Laws

You agree to comply with all applicable federal, state, and local laws and regulations when using the website and services.

31. Termination

We may suspend or terminate your access to the website where permitted by these Terms and applicable law.

32. Electronic Communications

By using the website, you consent to receive electronic communications relating to your account, requests, transactions, services, legal notices, and other matters where permitted by law. Electronic communications may satisfy legal requirements that communications be provided in writing.

33. Contact Information

E HealthCare Options INC