Terms and Conditions

Please read these terms and conditions of use carefully before using this website

Thank you for visiting this site ("Website," "Site," or "App"). The Site is owned and operated by Cardoza Health Solutions ("we," "us," or "our"). The terms and conditions of use detailed below (the "Terms of Use") govern your access to and use of our Site and the services that we make available to you through the Site (the "Services"). These Terms of Use are a legal contract between you and Cardoza Health Solutions. By accessing or using the Site or any of the Services, you hereby agree to these Terms of Use, and you warrant that you are at least 18 years of age. If you do not agree with these Terms of Use, in whole or in part, please do not continue to use the Site or the Services.

Note as well that this Site uses cookies and similar tracking technologies to recognize you, to customize your online experience, to provide you with products and services tailored to your interests, and to help us improve the Site. To learn more about cookies and the other tracking technologies we use, as well as to select your preferences, please refer to our Privacy Policy.

Our Terms of Use are effective as of the last updated date specified above. We reserve the right to change our Terms of Use from time to time, at any time without prior notice. The changes may include superseding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE. Your continued use of our Site or Services after any such change will constitute your acceptance of any modified terms.

The services

The Services are provided "as is". Free information, including insurance quotes and quote ranges, tools, links, and recommendations to help you with insurance and financial related decisions. Most information provided through the Service is provided for general informational and educational purposes. There is information provided at the point of sale for commercial purposes.

The Services include incorporation of third-party insurance products, brokers, and carriers in the form of an advertisement, insurance quote, online purchase, email, phone call, text message, or any other marketing medium. This serves as notice that you may have third-parties contact you on our behalf.

The Services also include formal quoting, brokering, and transacting of first-and-third-party insurance products. We are a licensed insurance agency.

Any quotes, or quote-ranges provided on the Site or over the phone are non-binding. The final insurance policy premium for any policy is determined following application by the underwriting insurance company. Insurance products and their availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required in your state. The third-party insurance products offered for sale through the Site are only available in the jurisdictions in which we are properly licensed.

At times, Services may require you to agree to additional terms and conditions, or enter into separate agreements with us or applicable third-parties. Any third-party insurance products purchased by you through the Site are subject to the contract terms of the applicable insurance carrier. In the event of a conflict between these Terms of Use and the terms of any insurance policy terms, the terms of the insurance policy will control.

Stop Information

Text STOP to stop receiving messages from Cardoza Health Solutions (you will receive a confirmation text).

Help Information

For additional information, text HELP.

Supported carriers are: AT&T, Sprint, T-Mobile®, Verizon Wireless, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, ACS Wireless, Appalachian Wireless, Bluegrass Cellular, Carolina West Wireless, Cellcom, C-Spire Wireless (formerly Cellsouth), Cellular One of East Central Illinois, Cincinnati Bell Wireless, Cross (dba Sprocket), Duet IP, Element Mobile, EpicTouch, GCI Communications, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri Cellular), Illinois Valley Cellular, Immix (Keystone Wireless / PC Management), Inland Cellular, iWireless, Mobi PCS (Coral Wireless LLC), Mosaic, MTPCS / Cellular One (Cellone Nation), Nex-Tech Wireless, nTelos, Panhandle Telecommunications, Peoples Wireless, Pioneer, Plateau, Revol Wireless, Rina - Custer, Rina - All West, Rina - Cambridge Telecom Coop, Rina - Eagle Valley Comm, Rina - Farmers Mutual Telephone Co, Rina - Nucla Nutria Telephone Co, Rina - Silver Star, Rina - South Central Comm, Rina - Syringa, Rina - UBET, Rina - Manti, South Canaan / CellularOne of NEPA, Thumb Cellular, Union Wireless, United, Viaero Wireless, West Central Wireless, Leaco, Nemont/Sagebrush. T-Mobile is not liable for delayed or undelivered messages. We take your privacy seriously.

User conduct

You promise NOT to use this Site for any of the following purposes or activities: Conducting or supporting illegal activity of any type whatsoever; transmitting or storing worms or viruses or any code of a destructive nature; threatening, harassing, abusing, impersonating, injuring or intimidating others; interfering with others' use of this Site, unless such interference is for the purpose of complying with another section of these Terms of Use; delivering spam or collecting information to deliver spam, or sending unsolicited email advertisements; decompiling, disassembling, reverse engineering or otherwise attempting to discover any source code contained in this Site; disguising the origin of any content transmitted through this Site or manipulating your presence on the Site; and/or causing the launch of any automated system(s) that accesses this Site in a manner that sends more request messages to servers of the Site in a given period of time than a human can reasonably produce in the same period by using a conventional online web browser.

Intellectual property

The Site contains material, such as text, graphics, images, photos and other material provided by or on behalf of us, and through your use of the Services you will be provided with additional information from us. These materials and information are collectively referred to herein as the "Content." The Content is owned by us and/or our licensors and may be protected under both United States and foreign copyright laws and treaties. The Content includes, but is not limited to, the trademarks, service marks, and logos that are used and displayed on the Site, which are registered and unregistered trademarks or service marks of ours or our licensors. Moreover, the organization and design of the Site are the property of Cardoza Health Solutions and are protected worldwide by copyright laws and treaty provisions.

You shall not, without our written permission in each instance: use any trademarks, service marks or logos in any manner; copy or use the Content for any purpose; remove any copyright or other proprietary notices contained in the original Content on any copy you make of the Content; sell, transfer, assign, license, sublicense, or modify the Content, or use the Content for any public or commercial purpose; or use or post or publish the Content.

Nothing contained in these Terms of Use shall be construed as conferring any license or right to any trademark or other intellectual property right of Cardoza Health Solutions or any other party. Cardoza Health Solutions and the stylized "Cardoza Health Solutions" design are registered trademarks of Cardoza Health Solutions, LLC. All other trademarks, trade names, service marks and logos displayed throughout the Site are the property of Cardoza Health Solutions, licensed by Cardoza Health Solutions, or owned by third parties. You shall not display, use as a link, use as a meta tag, or otherwise use any of the trademarks, trade names, service marks and logos displayed throughout the Site without the prior written consent of the owner of the trademark, trade name, service mark and logo.

Warranty Disclaimer and Limitation of Liability

YOU ACKNOWLEDGE AND AGREE THAT THE SITE, THE SERVICES, AND ALL CONTENT ARE PROVIDED "AS IS," "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE WILL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO OR USE OF THE SITE, THE SERVICES, OR ANY CONTENT.

IN NO EVENT SHALL WE BE LIABLE FOR DIRECT, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, REVENUES OR SAVINGS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR NEGLIGENCE, CONSEQUENTIAL, INCIDENTAL OR OTHER DAMAGES, IN SUCH JURISDICTIONS OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THIS SITE, ANY SERVICE, OR ANY CONTENT IS TO STOP USING THE SAME.

Availability

Not all of the products or Services described on this Site are available in all areas of the United States and you may not be eligible for them. We reserve the right to determine eligibility.

Indemnification

You shall defend, indemnify, and hold us and our officers, directors, employees, successors, licensees, and assigns harmless from and against any claims, actions, or demands, including, without limitation, reasonable legal and accounting fees, arising or resulting from: (i) your breach of these Terms of Use; or (ii) your access to, use, or misuse of the Site, any Services or any Content.

Termination

We may terminate these Terms of Use and your access to all or any part of the Site or the Services at any time and for any reason without prior notice and without liability to you or anyone else. We reserve the right to change, suspend, or discontinue all or any part of the Site or the Services at any time without prior notice or liability.

You may be able to deactivate your account You may deactivate/terminate your account by navigating to the Settings section of your Member Portal.

Miscellaneous

In the event that any portion of these Terms of Use is held to be invalid or unenforceable, then such portion shall be construed in accordance with the applicable law as nearly as possible to reflect the original intentions of the parties, and the remainder of these Terms of Use shall remain in full force and effect.

The Terms of Use relating to this section, the sections entitled Indemnification, Warranty Disclaimer and Limitation of Liability, Intellectual Property, and Governing Law shall survive the termination of these Terms of Use. You may not assign these Terms of Use. No waiver shall be effective unless in writing. Neither the course of conduct between parties nor trade practice shall act to modify any provision of these Terms of Use.

These Terms of Use contain the entire agreement of the parties concerning the subject matter hereof and supersede all existing agreements and all other oral, written or other communication between the parties concerning its subject matter.