Updated November 2021
You can view our licenses here .
Welcome
Thank you for visiting SPIHealthcare.us. Our goal is to help you find healthcare coverage that will meet your desired needs and fit within your budget. We provide you with online tools and connect you with licensed insurance agents so that you can compare your options, select your best plan, make smart healthcare coverage decisions, and save money.
These Terms and Conditions of Use, including any policies, rules and other terms that are expressly incorporated herein by reference (“Terms and Conditions of Use”) set forth a legally binding agreement between you (“you” or “your”) and SPI Healthcare (“SPI Healthcare” “we,” “us,” or “our”) that sets forth the terms and conditions of use of our site, currently located at SPIHealthcare.us , along with any services, materials, online communications, content or functionality that are provided or made available on that website, and includes relevant information regarding state insurance licensing (collectively, the “Website”).
PLEASE TAKE NOTICE AND BE AWARE THAT THESE TERMS AND CONDITIONS OF USE CONTAIN A CLASS ACTION WAIVER THAT REQUIRES YOU AND US TO RESOLVE ANY AND ALL DISPUTES WITH EACH OTHER ON AN INDIVIDUAL BASIS, ONLY.
Your Agreement
THESE TERMS AND CONDITIONS OF USE GOVERN YOUR ACCESS TO AND USE OF THE WEBSITE. BY ACCESSING OR USING THE WEBSITE, YOU SPECIFICALLY ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS OF USE AND YOU EXPRESSLY AGREE TO BE BOUND, WITHOUT LIMITATION OR QUALIFICATION, BY THESE TERMS AND CONDITIONS OF USE. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS OF USE, PLEASE DO NOT USE THE WEBSITE.
By using our Website, you are agreeing to these Terms of Use. You will not use our Website for any purpose that is unlawful or in violation of these Terms of Use. You also agree to our Privacy Policy , which covers how we handle your personal information.
This document outlines the terms and conditions of use of the Website and includes relevant information regarding state licensing (this document is referred to herein as these “Terms and Conditions of Use”). The terms “you” and “your” when used in these Terms and Conditions of Use means any visitor or user of the Website.
We may update these Terms of Use periodically and will post the date on this page. By continuing to use our site, you are agreeing to the updated Terms of Use.
By accessing or using the Website, you represent and warrant as follows:
- You can and shall comply with all of these Terms and Conditions of Use and all applicable federal, state or local laws (including, without limitation, those pertaining to such areas as libel, slander, defamation, trade libel, product disparagement, harassment, invasion of privacy, tort, obscenity, indecency, and copyright or trademark infringement) in using the Website, and you will not perform or fail to perform any act that you know or reasonably should know would place us or our affiliates in violation of any applicable law. Without limiting the generality of the foregoing, you agree to comply with all laws and regulations regarding online conduct and acceptable content and regarding the transmission of technical data exported from the United States or the country from which you access the Website.
- You have the authority and capacity, under the laws of the state or jurisdiction in which you reside, to make the representations and warranties and be bound by the covenants provided herein.
Who We Are
SPI Healthcare, and in California d/b/a SPI Healthcare (referred to herein as the “Website” or [“ISPI Healthcare”) is the ecommerce division of our [Florida] -based company. Our team has experience delivering healthcare coverage and benefit plan solutions to consumers. We are a licensed agency and are appointed with A-rated healthcare carriers offering a broad array of healthcare products, as well as supplemental insurance and services.
What We Do
We provide you tools and resources and connect you to a licensed agent so that you can search, compare, find and apply for healthcare products. If you find a plan and decide to submit an application, we send your completed application to the entity processing your membership or purchase, which may be the carrier or its administrator. Be sure to read the Privacy Policy and Terms of Use for the entity processing your policy membership.
We are not an insurance carrier, so we don’t underwrite your insurance and we don’t process or manage benefit claims. The insurance carrier or benefits provider handles those services.
Existing Insurance Coverage
If you have found a healthcare product through SPI Healthcare, we are thankful that we were able to assist. Please be sure to be a mindful insurance and benefits purchaser. DO NOT cancel any existing insurance or coverage until you receive written confirmation from the benefits provider or insurance company to which you are applying that your new policy is in effect.
Content Ownership
We own our Website, our information, and our services. This includes, without limitation, text, images, software, graphics, button icons, audio and video clips, digital downloads, data compilations, logos and information that appear on our Website or are part of our services.
We may present information on behalf of or licensed from a third party. This third-party information is proprietary to its owners.
We welcome your questions, comments and feedback. Please remember that if you send us any creative materials, such as comments, suggestions, ideas, concepts, drawings, pictures, or other materials (collectively, the “Submissions”), you agree that the Submissions shall be deemed, and shall remain, the property of SPI Healthcare. None of the Submissions shall be subject to any obligation of confidentiality on the part of SPI Healthcare, and SPI Healthcare shall not be liable for any use or disclosure of any of the Submissions. Without limitation of the foregoing, SPI Healthcare shall exclusively own all now known or hereafter existing rights to the Submissions of every kind and nature throughout the world and shall be entitled to unrestricted use of the Submissions for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Submissions. We can share those ideas without your consent, we do not have to pay you for them, and we may already be considering them. If you prefer to retain your rights, please do not submit your material.
Conditions of Use
These terms and conditions of use apply to all materials, online communications, and other information and materials that are or become available on or through the Website (collectively, the “Material”). Please read these terms and conditions of use carefully. By accessing the Website, you specifically acknowledge that you have read these terms and conditions of use and you specifically agree, without limitation or qualification, to each of the provisions contained herein. These terms and conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.
By using this Website, you warrant that you are at least 18 years of age and possess the legal authority to use the Website. These terms and conditions of use form a legally binding agreement. If you do not agree to any or all of the provisions found in these terms and conditions of use, please immediately exit the Website. We reserve the right to terminate your use of or access to the Website or your account at any time for any reason, including, without limitation, if we learn that you have violated these terms and conditions of use.
Disclaimer of Warranties and Limitation of Liability
You expressly agree that use of the Website is at your sole risk. The material provided on the Website is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, SPI Healthcare disclaims all warranties of any kind, either express or implied, including without limitation, warranties of title, noninfringement, or implied warranties of merchantability or fitness for a particular purpose with respect to the Website, any use of the Website and any Website to which the Website is linked. SPI Healthcare does not warrant that the material on the Website is complete or accurate, that use of this Website will be uninterrupted or error free, or that this Website or server or any material on this Website is free of disabling devices (as hereinafter defined).
You understand and agree that any material downloaded or otherwise obtained through the Website is done at your own discretion and risk and that you will be solely responsible for any damage to your computer services or loss of data that results from the download of such material.
A “disabling device” is defined as any software, document, message or other material which contains a computer virus, worm, trojan horse, time-bomb or other harmful device which may erase, scramble, lock or disable computer software or equipment or may prevent users from using a Website or any other item of hardware or software.
Should you purchase a product offered by SPI Healthcare, the terms and conditions applicable to that transaction will govern such purchase. Your use of the Website does not affect that purchase in any manner.
Limitations on Authority
While our Website uses reasonable efforts to include accurate and up-to-date information on the Website, errors or omissions sometimes occur.
You understand that to the extent permitted under applicable law, under no circumstances shall SPI Healthcare, or its officers, employees, directors, managers, parents, subsidiaries, affiliates, agents or licensors, be liable for any direct, indirect, incidental, special, punitive or consequential damages that may result from the use or inability to use this Website, or the material, including without limitation, use of or reliance on the material, interruptions, errors, defects, mistakes, omissions, deletion of files, disabling devices, delays in operation or transmission, non-delivery of information, disclosure of communications, or any other failure of performance, damages for loss of revenues, profits, goodwill, use, data or other intangible losses arising out of or related to your use of the Website, regardless of whether such damages are based on contract, tort (including negligence and strict liability), warranty, statute or otherwise. If you are dissatisfied with any portion of the Website, your sole and exclusive remedy is to discontinue use of the Website.
You (and not SPI Healthcare or its parents or affiliates) solely assume the entire cost of all necessary servicing, repair or correction related to any damage, harm, injury or malfunction associated with your use of the Website and/or its contents.
Third Party Content
Our Website may include links to third parties or provide you with content supplied by third parties on the Website. While it is our hope that the sites are informative and useful for you, we do not control their Websites or content. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers or any other user of the Website, are those of the respective author(s) or distributor(s) and not of SPI Healthcare.
Privacy
Information that you provide to us or that we collect about you when visiting the Website will be treated in accordance with our Privacy Policy found here.
Legal Jurisdictions Only
The insurance products and services described on the Website are only for persons in those states and jurisdictions where such products and services may legally be sold. Unless otherwise expressly set forth herein, SPI Healthcare makes no representation that materials on this Website are appropriate or available for use in any location. Those who choose to access this Website do so at their own initiative and are responsible for compliance with local laws. Some products and services may not be available in all jurisdictions and nothing on the Website shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful.
Copyrights and Trademarks
All Material included on the Website, except third party content as referenced above, is the property of SPI Healthcare and is protected by United States and international copyright laws. No portion of the Material on the Website may be reprinted or republished in any form without the express written permission of SPI Healthcare or, with respect to third party content, its respective owner. You may download Material from this Website for your own personal, non-commercial use only, provided you do not modify the Material and keep intact all copyright and other proprietary notices. You may not further distribute or display such Material for any purpose. Without our prior written consent, you may not (a) allow, enable, or otherwise support the transmission of mass unsolicited, commercial advertising or solicitations via e-mail (spam); (b) use any high volume, automated, or electronic means (including without limitation robots, spiders, scripts or other automatic device) to monitor or copy our web pages or the content contained thereon; (c) link or deep-link to the Website for any purpose; or (d) frame the Website, place pop-up windows over its pages, or otherwise affect the display of its pages.
Certain of the names, logos, and other materials displayed on this Website constitute trademarks, tradenames, service marks or logos (“Marks”) of SPI Healthcare or third parties. You are not authorized to use any such Marks. Ownership of all such Marks and the goodwill associated therewith, with the exception of the third party Marks, remains with SPI Healthcare and are protected by United States and international trademark laws. Nothing contained on the Website should be construed as granting, by implication or otherwise, any license or right to use any of the Marks displayed on the Website. Your use of the Marks displayed on the Website, or any other content on the Website, except as provided herein, is strictly prohibited. All Marks not owned by SPI Healthcare that appear on the Website are the property of their respective owners.
Change Management
SPI Healthcare shall have the right at any time to change or discontinue any aspect or feature of the Website, including, but not limited to, content, hours of availability, products and services, and equipment and/or software required for access to or use of the Website. SPI Healthcare may also change any of the terms and/or conditions set forth in these Terms and Conditions of Use and any subsequent use of the Website by you constitutes your agreement to such changed terms and/or conditions. If you object to any such changes, your sole and exclusive remedy shall be to discontinue use of the Website. Any rights not expressly granted herein are reserved to SPI Healthcare.
Miscellaneous
These Terms and Conditions of Use shall be governed by and construed in accordance with the laws of the State of Florida , United States of America, without giving effect to any principles of choice of law or conflicts of law that would require the application of the laws of a jurisdiction other than the State of Florida. Venue for all disputes will be the Federal and State courts located in Broward County, Florida . If any provision of these Terms and Conditions of Use shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms and Conditions of Use and shall not affect the validity and enforceability of any remaining provisions. These Terms and Conditions of Use constitute the entire agreement of the parties with respect to the subject matter hereof and supersedes all previous written or oral agreements between the parties with respect to such subject matter.
Indemnification
You agree to indemnify, defend and hold harmless SPI Healthcare, its parents, subsidiaries, affiliates, officers, directors, managers and other partners, employees, consultants and agents, from and against any and all claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys’ fees and court costs) resulting or arising from (1) any information you (or anyone accessing the your account using your password) submit through the Website, (2) your violation of these Terms and Conditions of Use or applicable law, (3) your (or anyone using your account’s) violation of any rights of any other person or entity, or (4) any Disabling Device or other similar harmful or deleterious programming routines input by you into the Website.
Exclusions and Limitations
Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations and disclaimers may not apply to you. To the extent that SPI Healthcare may not, as a matter of applicable law, disclaim any implied warranty or limit its liabilities, the scope and duration of such warranty and the extent of our liability shall be the minimum permitted under such applicable law.
Termination
You agree that SPI Healthcare, in its sole discretion, may terminate your access to the Website, Material or Software without prior notice, for any reason, including, without limitation, if we believe that you have violated or acted inconsistently with the letter or spirit of these Terms and Conditions of Use. FURTHER, YOU AGREE THAT SPI Healthcare SHALL NOT BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY TERMINATION OF YOUR ACCESS TO THE WEBSITE, MATERIAL OR SOFTWARE. The provisions of these Terms and Conditions of Use shall survive any termination of your access to the Website, Material or Software.
Violations of Terms and Conditions of Use
SPI Healthcare reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions of Use, including the right to block access from a particular Internet address to the Website, and irreparable harm will be presumed by any violation of these Terms and Conditions of Use.
Licenses
The Website is made available to you by licensed agent(s)/broker(s) in each respective state which require insurance transactions to be conducted through a licensed agent/broker. A list of our licenses may be found here .
Dispute Resolution – CLASS ACTION WAIVER
Any cause of action or claim you may have with respect to this Website must be commenced within one (1) year after the claim or cause of action arises.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NO CLAIM OR DISPUTE UNDER THESE TERMS SHALL BE JOINED TO ANY OTHER CLAIM OR DISPUTE INVOLVING ANY OTHER PARTY SUBJECT TO THESE TERMS, WHETHER THROUGH CLASS ACTION PROCEEDINGS OR OTHERWISE. YOU AGREE AND COVENANT TO ADDRESS ANY AND ALL CLAIMS AND DISPUTES YOU MAY HAVE HEREUNDER ON AN INDIVIDUAL BASIS. IN ANY DISPUTE, NEITHER YOU NOR WE WILL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS BY OR AGAINST OTHER USERS IN COURT OR IN ARBITRATION OR OTHERWISE PARTICIPATE IN ANY CLAIM AS A CLASS REPRESENTATIVE, CLASS MEMBER, OR IN A PRIVATE ATTORNEY GENERAL CAPACITY.
Contacting Us
If you have any questions about SPI Healthcare, this Website, our services, Privacy Policy , or our Terms of Use, you may contact us at:
SPI Healthcare
8424 S US Highway 1
Port Saint Lucie, FL 34952
If your personally-identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate it by emailing our Customer Support at [email protected] or by calling (855) 348-0644.
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.