Terms of Service

1. Agreement to Terms

By accessing or using USHealthCosts.com ("the Website," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these Terms, you may not access the Website.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on the Website. Your continued use of the Website following the posting of revised Terms means you accept and agree to the changes.

2. Use License

Permission is granted to temporarily access and view the materials on USHealthCosts.com for personal, non-commercial use only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for commercial purposes or public display
• Remove copyright or proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on another server
• Use automated tools (bots, scrapers) to access or collect data from the Website

3. Information Accuracy and Disclaimer

The information provided on USHealthCosts.com is for general informational and educational purposes only. While we strive to provide accurate and up-to-date information about health insurance costs and medical expenses, we make no representations or warranties of any kind about:

• The completeness, accuracy, reliability, or availability of the information
• The suitability of the information for any particular purpose
• The timeliness of pricing data or cost estimates

Health insurance and medical costs vary significantly based on individual circumstances, location, age, health status, and many other factors. Always verify costs and coverage details with insurance providers, healthcare facilities, or licensed insurance agents before making decisions.

4. Not Medical or Financial Advice

Important: USHealthCosts.com does not provide medical, insurance, legal, or financial advice. The content on this Website is for informational purposes only and should not be construed as:

• Medical advice or diagnosis
• Insurance or financial planning recommendations
• Legal counsel or guidance
• A substitute for consultation with qualified professionals

Always consult with licensed healthcare providers, insurance agents, financial advisors, or attorneys for advice specific to your situation. Never disregard professional medical advice or delay seeking it because of information you read on this Website.

5. Third-Party Links and Services

Our Website may contain links to third-party websites, services, or resources. These links are provided for your convenience only. We have no control over the content, privacy policies, or practices of third-party sites and assume no responsibility for them.

Inclusion of any link does not imply endorsement by USHealthCosts.com. Use of any third-party website is at your own risk.

6. Intellectual Property Rights

Unless otherwise stated, USHealthCosts.com and/or its licensors own the intellectual property rights for all material on this Website. All intellectual property rights are reserved.

You may access and view content for personal use only. You may not republish, sell, rent, sub-license, reproduce, duplicate, or redistribute material from USHealthCosts.com without explicit written permission.

7. User Conduct

You agree not to:

• Use the Website in any way that violates applicable federal, state, or local laws
• Attempt to gain unauthorized access to the Website or related systems
• Transmit viruses, malware, or other malicious code
• Interfere with or disrupt the Website or servers
• Harvest or collect information about other users
• Impersonate any person or entity

8. Limitation of Liability

To the maximum extent permitted by law, USHealthCosts.com and its affiliates, partners, officers, directors, employees, or agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or data
• Financial losses resulting from use of or reliance on information
• Business interruption
• Medical decisions made based on Website content
• Costs of substitute goods or services

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage.

9. Indemnification

You agree to indemnify and hold harmless USHealthCosts.com and its affiliates from any claims, losses, liability, damages, and expenses (including reasonable attorneys' fees) arising out of your use of the Website, violation of these Terms, or violation of any rights of a third party.

10. Advertising and Affiliates

USHealthCosts.com may display third-party advertisements (including Google AdSense) and may participate in affiliate programs. We may receive compensation for displaying ads or when users click on certain links. This does not influence our content or recommendations.

11. Termination

We reserve the right to terminate or suspend access to the Website immediately, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, your right to use the Website will cease immediately.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions. Any disputes relating to these Terms will be subject to the exclusive jurisdiction of the courts located in the United States.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

14. Contact Information

If you have questions about these Terms of Service, please contact us at: Contact Page