Acceptance of Terms
By using this web 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.

About This Site
healthinsurancenova.com, an affiliate of Ignitist, Inc., is an online service provider, specializing in providing insurance quotes and connecting insurance shoppers with insurance carriers and professionals who can assist them. This website provides users with online Medicare Advantage, Medicare Supplement plan price comparison technologies and databases to help consumers select an appropriate plan and save on their healthcare costs. Additionally, this website provides a wide selection of health information and materials to assist users in researching healthcare options. These offerings and services are hereinafter referred to as “the Service”. The plan comparison quotes and other health information furnished on this site and any interactive responses are not intended to be professional advice and are not intended to replace personal consultation with a qualified physician, pharmacist or other healthcare professional.
We do not give medical advice, nor do we provide medical or diagnostic services. Medical information changes rapidly. Neither our content providers nor we guarantee that the content covers all possible insurance plans, participating doctors, prescription drug information, directions, precautions, drug interactions, or adverse effects that may be associated with any medical treatments or health problems that you may be experiencing.
Your reliance upon information and content obtained by you at or through this site is solely at your own risk. Neither we nor our content providers assume any liability or responsibility for damage or injury (including death) to you, other persons or property arising from any use of any product, information, idea or instruction contained in the content or services provided to you.

healthinsurancenova.com does not endorse any particular insurance plan, provider, or agent. Any information provided about any particular insurance plan, provider, or agent shall not be construed as an endorsement by healthinsurancenova.com.

Personal and Noncommercial Use Limitation
In order to use the Services, you must be at least 18 years of age. In consideration of your use of the Services, you agree to provide true, accurate and current information about yourself as prompted by the required registration forms. This Site is for your personal, noncommercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or service found on or obtained from the Site; provided that you may download, reproduce, and retransmit healthinsurancenova.com Information solely for non-commercial purposes within your organization. With the exception of the foregoing limited authorization, no license or right in any copyright of healthinsurancenova.com or any other party is granted or conferred to you.

The Site is provided on an “as is” basis without warranties of any kind, either express or implied, including but not limited to warranties of title or implied warranties of merchantability, fitness for a particular purpose, or non-infringement, other than those warranties which are imposed by and incapable of exclusion, restriction or modification under the laws applicable to this agreement. Your use of this site is at your own risk. In no event shall healthinsurancenova.com, its brokers, agents, representatives or licensors be liable for any loss or injury or any damages, either direct, indirect, punitive, special, incidental, consequential or otherwise, resulting from, or in any way connected to, the use of this site or any healthinsurancenova.com information such as participating insurance plans, participating doctors, prescription drug information or quotes provided on this Site, in each case regardless of whether such damages are based on contract, tort, strict liability, or those other theories of liability. Some jurisdictions do not allow the exclusion of implied warranties or consequential or incidental damages, so portions of the above-referenced exclusions may not directly apply to you. You hereby waive any and all claims against healthinsurancenova.com, its agents, representatives and licensors arising out of your use of the site or any other healthinsurancenova.com information provided on this site.

Copyright and Proprietary Rights Information
The Site may contain technical inaccuracies or typographical errors or omissions. healthinsurancenova.com reserves the right to make changes, corrections and/or improvements to the Site, and to the products and programs described in such information, at any time without notice.
This Site contains and references trademarks, patents, trade secrets, technologies, products, processes or other proprietary rights of healthinsurancenova.com. No license or right to or in any such trademarks, patents, trade secrets, technologies, products, processes and other proprietary rights of healthinsurancenova.com and/or other parties is granted to or conferred upon you.

Any personal information gathered by healthinsurancenova.com is used only for the process of qualifying you for insurance products. Where permitted by law, your information may be used to request credit, medical and/or driving records from a third party. This information is used for underwriting the application in accordance with the disclosures and releases that you must review and approve during the enrollment process.

Available Services
The purpose of the Site is to provide consumers with ability to receive insurance quotations from a network of insurance agents, brokers and other licensed insurance providers (hereinafter “Providers”), based on the information you have provided. These Providers may have one or numerous companies with from which they will provide you with quotes. Once you have provided us with the information needed, by sufficiently completing an appropriate online form, we will refer that information to these Providers, who may then contact you directly if they are able to provide you with a quotation for insurance coverage. From time to time these Providers may ask for additional information they may need to obtain an accurate quote. In the event that we do not have sufficient participation on our network in your area, you may receive less than five offers.
We do not guarantee that any of the Providers to whom we may forward your information will contact you or agree to provide you coverage. We are not responsible in any way, for the conduct of the Providers to whom we forward your insurance quotation requests. If you need personal advice, explanation of coverage, assessment of needs or specific policy recommendations, consult with a licensed insurance agent, broker, or other qualified professional.
We reserve all the rights to our Site contents, and may at our discretion change the contents of the Site, or restrict access to certain sections of the Site, or to discontinue any aspect of the Site, including, but not limited to content, features, hours of availability, without notice or penalty.
Your Use of The ServiceYou must be at least 18 years of age to use the Service. You warrant and agree that, while using the Service, you will not do any of the following:
impersonate any other person or entitysubmit any information pertaining to a third party without that party’s understanding and express consentsubmit false or misleading informationexploit this Service for any commercial reasonengage in any activity prohibited under the CAN-SPAM Actengage in any criminal or otherwise unlawful behaviorcommit any action which could give rise to civil liabilityrestrict others from making use of this Serviceupload or attempt to upload any computer virus, malicious computer code, file program, or any other digital propertycommit any action that interferes with, blocks, or otherwise harms the ServiceLinks to the Web SiteYou may not establish a hypertext “link” to the Web Site and/or distribute, modify or re-use the text or graphics of the Site unless you obtain prior express written permission from healthinsurancenova.com allowing you to do so.

Links to Third Party Sites
This Site may contain links to sites that are controlled by third parties. These linked sites are not under the control of healthinsurancenova.com, and healthinsurancenova.com is not responsible for the contents of any linked site or any link contained in a linked site. healthinsurancenova.com is providing those links to you only as a convenience, and the inclusion of any link does not imply endorsement by healthinsurancenova.com of any linked site or constitute any warranty by healthinsurancenova.com of any linked site or any items contained on such site.

Governing Law
Any disputes arising out of or related to the Site shall be governed by and construed and enforced in accordance with, the laws of the State of New York applicable to contracts entered into and to be performed entirely within the State of New York.

No Unlawful or Prohibited Use
As a condition of your use of the Site, you warrant to healthinsurancenova.com that you will not use the Site for a purpose that is unlawful or prohibited by these terms, conditions, and notices.

Disclaimer
THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE MAKE NO REPRESENTATIONS OF WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THE USE OF THE SERVICE. WE DISCLAIM ALL WARRANTIES REGARDING THE ACCURACY OR RELIABILITY OF THE INFORMATION PROVIDED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE SECURE, UNINTERRUPTED, OR ERROR-FREE, WE DO NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS. NO ADVICE, RESULTS, OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.
WE MAKE NO WARRANTIES REGARDING THE AFFILIATION OF ANY PROVIDER WHO MAY CONTACT YOU. WE EXPRESSLY DISCLAIM ALL RESPONSIBILITY FOR THE ACTIONS OF ANY PROVIDER WHO MAY CONTACT YOU THROUGH THE SERVICE. IF YOU ARE DISSATISFIED WITH THE SERVICE, YOUR SOLE REMEDY IS TO DISCONTINUE ITS USE.
WE ATTEMPT TO PROVIDE ACCURATE INFORMATION REGARDING INSURANCE PRODUCTS AND SERVICES; HOWEVER, WE CAN MAKE NO REPRESENTATION OR WARRANTY AS TO THE ACCURACY OR RELIABILITY OF THIS INFORMATION. AVAILABILITY OF PRODUCTS OR SERVICES MAY VARY BY STATE AND MAY NOT BE AVAILABLE TO YOU.
WE MAKE NO REPRESENTATION, EITHER EXPRESS OR IMPLIED, OF ANY SPONSORSHIP BY ANY COMPANY MENTIONED ON THIS SITE, OR OF ANY OTHER RELATIONSHIP WITH ANY SUCH COMPANY. WE MAKE NO GUARANTEE, EXPRESSED OR IMPLIED THAT A USER WILL BE ABLE TO OBTAIN A QUOTE FROM ANY PARTICULAR COMPANY OR PROVIDER MENTIONED ON THIS SITE.
Limitation of LiabilityHEALTHINSURANCENOVA.COM AND ITS BROKERS, SUPPLIERS, AND OTHER THIRD PARTIES MENTIONED OR LINKED TO ON THIS WEBSITE ARE NEITHER RESPONSIBLE NOR LIABLE FOR ANY DAMAGES WHATSOEVER, AND IN PARTICULAR, WE SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR ANY DAMAGES FOR LOST PROFITS, LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR RELATED TO THE SERVICE OR THE INFORMATION CONTAINED IN IT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE WEB SITE, SITE RELATED SERVICES AND/OR THIRD PARTY WEB SITES IS TO STOP USING THE WEBSITE AND/OR THOSE SERVICES. HEALTHINSURANCENOVA.COM IS NOT RESPONSIBLE FOR PAYMENT OF ANY CLAIMS A USER MAY HAVE RELATING TO INSURANCE PURCHASED THROUGH THIS SITE. THESE TERMS AND CONDITIONS ARE GOVERNED BY FLORIDA LAW WITHOUT REGARD TO ITS PRINCIPLES OF CONFLICTS OF LAW.

Indemnification
You agree to indemnify and hold harmless the Service (and its parents, directors, officers, employees, subsidiaries, agents, and affiliates) from any and all claims, liabilities, costs, and expenses, including reasonable attorneys’ fees and costs, due to or arising in any way from the use or misuse by you of the Service, your violation of these Terms and Conditions, your violation of any law, or infringement by you of any right of any person or entity.

Proprietary Rights
We retain all rights, title, and interest in and to the Service, including all content, data, materials, specific implementations of XHTML, CSS, and other code, the look and feel, the design, and all other aspects of the trade dress of this Site, and retain all intellectual and property rights therein.
Third party logotypes, brandmarks, and service marks are the property of their respective owners.

Use of the Service by you does not grant to you ownership and any commercial use or exploitation of the Service by you is expressly prohibited. You may not exploit, copy, redistribute, or reproduce any aspect of the Service. Doing so may be a violation of applicable Federal and state laws and may subject you to liability.

Existing Insurance Coverage
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.
OtherIf any provision of these Terms and Conditions is found to be invalid or unenforceable, the other provisions shall remain in full force and effect. Further, you agree that for any provision that may be found to be invalid and unenforceable, you shall ask the court to endeavor to give effect to the intent of the provision. These Terms and Conditions constitute the full understanding between you and us. You agree that any claim arising from or related to the Service must be filed within twelve (12) months of your use of the Service, regardless of any statute or law to the contrary.

Contacting Us
If you have any questions about healthinsurancenova.com, this Site, our service, or this Privacy Policy, you may contact us at:
SOF Insurance LLC1350 AVENUE OF THE AMERICASNEW YORK, NY 10019

Changes and Updates
We reserve the right to make changes and updates to these Terms and Conditions at any time, at our sole discretion. An updated copy of these Terms and Conditions will be kept clearly posted and accessible on this Site at all times.