Terms & Conditions
1. Agreement to Terms
These Terms & Conditions ("Terms") govern your access to and use of the TotalHealthCover website and services. By using our site, you agree to these Terms. If you do not agree, please discontinue use immediately.
2. Services Provided
TotalHealthCover operates as a healthcare insurance comparison and lead-generation platform. We collect user information and connect users with licensed health insurance agents, brokers, or insurance providers. We are not a healthcare provider, insurer, or medical advisor.
3. No Medical Advice
Information provided on this website is for general informational purposes only and does not constitute medical advice. Always consult a licensed healthcare professional regarding medical decisions.
4. Eligibility
You must be legally eligible to purchase health insurance in your jurisdiction and authorized to submit personal information. By using this site, you confirm that all information provided is accurate.
5. Quotes, Coverage & Enrollment
Insurance quotes are estimates based on the information you provide. Final coverage, pricing, eligibility, and benefits are determined solely by the insurance provider. TotalHealthCover does not guarantee approval, coverage terms, or pricing.
6. User Responsibilities
- Provide truthful, complete, and current information
- Use the website only for lawful purposes
- Do not submit information on behalf of others without authorization
7. Privacy & Data Use
By submitting information, you consent to its use in accordance with our Privacy Policy, including sharing with licensed insurance partners for the purpose of providing quotes and coverage options.
8. Intellectual Property
All website content, trademarks, logos, and design elements are the property of TotalHealthCover or its licensors and may not be copied or reused without written permission.
9. Disclaimers
THE WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE". TOTALHEALTHCOVER DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, TOTALHEALTHCOVER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF THE SITE OR SERVICES.
11. Indemnification
You agree to indemnify and hold harmless TotalHealthCover, its partners, employees, and affiliates from any claims or damages arising from your use of the site or violation of these Terms.
12. Termination
We reserve the right to suspend or terminate access to our services at any time, with or without notice, for violations of these Terms.
13. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of the applicable jurisdiction. Any disputes shall be resolved exclusively in the appropriate courts.
14. Changes to Terms
We may update these Terms periodically. Continued use of the website constitutes acceptance of the revised Terms.
15. Contact Information
TotalHealthCoverEmail: legal@perfectautocover.com
This document is provided for informational purposes only and does not constitute legal advice. Consult a licensed attorney to ensure compliance with applicable healthcare and insurance laws.