About This Site

This website is part of the ‘Even Better Insurance’ network. Evenbetterinsurance.com is an online service, specializing in providing insurance quotes, enrollment options, and connecting insurance shoppers with professionals who can assist them.

This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

Even Better Insurance 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 Even Better Insurance. 

Terms of Service

Please read these Terms of Service (“Terms”, “Terms of Service”) carefully before using the https://evenbetterinsurance.com website (the “Service”) operated by the Even Better Insurance network (“us”, “we”, or “our”).

Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you do not have permission to access the Service.

Your Use of The Service

By using our service you agree not to:

  1. use the Service for any illegal purpose or in violation of any local, state, national, or international law;

  2. violate, or encourage others to violate, any right of a third party, including by infringing or misappropriating any third party intellectual property right;

  3. post, upload, or distribute any content (including by chatting with customer service) that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, embarrassing, hateful, or otherwise inappropriate;

  4. interfere with security-related features of the Service, including by: (a) disabling or circumventing features that prevent or limit use or copying of any content; or (b) reverse engineering or otherwise attempting to discover the source code of any portion of the Service except to the extent that the activity is expressly permitted by applicable law;

  5. interfere with the operation of the Service or any user’s enjoyment of the Service, including by: (a) uploading or otherwise disseminating any virus, adware, spyware, worm, or other malicious code; (b) making any unsolicited offer or advertisement to another user of the Service; (c) attempting to collect personal information about another user or third party without consent; or (d) interfering with or disrupting any network, equipment, or server connected to or used to provide the Service, or violating any regulation, policy, or procedure of any such network, equipment, or server;

  6. perform any fraudulent activity including impersonating any person or entity, claiming a false affiliation, accessing any other Service account without permission, or falsifying your age or date of birth;

  7. sell or otherwise transfer the access granted under these Terms or any Materials or any right or ability to view, access, or use any Material;

  8. use data mining, robots, or other data gathering devices on or through the Service;

  9. attempt to do any of the acts described herein or assist or permit any person in engaging in any of the acts described herein.

Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Links to the Website

You may not establish a hypertext “link” to the Site and/or distribute, modify or re-use the text or graphics of the Site unless You obtain prior express written permission from GoHealth allowing You to do so.

Links To Other Web Sites

Our Service may contain links to third party web sites or services that are not owned or controlled by Even Better Insurance.

Even Better Insurance has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that Even Better Insurance shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third party web sites or services that you visit.

Copyright and Proprietary Rights Information

The Site may contain technical inaccuracies or typographical errors or omissions. Even Better Insurance reserves the right to make changes, corrections and/or improvements to the Site, and to the Services, 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 Even Better Insurance. No license or right to or in any such trademarks, patents, trade secrets, technologies, products, processes and other proprietary rights of Even Better Insurance and/or other parties is granted to or conferred upon You. Third party logotypes, brand marks, and service marks are the property of their respective owners.

We retain all rights, title, and interest in and to Our Site and Services, 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.

Use of Our Services by You does not grant to You ownership of Our Services, 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 Our Services. Doing so may be a violation of applicable Federal and state laws and may subject You to liability.

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 or Services, including, but not limited to content, features, hours of availability, without notice or penalty.

Furthermore, the service and its original content, features and functionality are and will remain the exclusive property of Even Better Insurance and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Even Better Insurance.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

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 California applicable to contracts entered into and to be performed entirely within the State of California. Further, as a condition of Your use of the Site, You warrant to Even Better Insurance that You will not use the Site for a purpose that is unlawful or prohibited by these terms, conditions, and notices.

Indemnification

You agree to defend, indemnify and hold harmless Even Better Insurance and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees), resulting from or arising out of a) your use and access of the Service, or b) a breach of these Terms.

Limitation Of Liability

In no event shall Even Better Insurance, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

Disclaimer of Warranties

Our Services are 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 Site or Services. We disclaim all warranties regarding the accuracy or reliability of the information provided, 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.

WE DO NOT WARRANT THAT THE SERVICE WILL BE SECURE, UNINTERRUPTED, OR ERROR-FREE. WE MAKE NO WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS. 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. THE INFORMATION PROVIDED ON THIS SITE IS NOT INTENDED TO CONVEY HEALTH, TAX, OR LEGAL ADVICE. FOR MORE DETAILED EXPLANATIONS OF THE LAWS, PLEASE CONSULT AN ATTORNEY OR CERTIFIED PUBLIC ACCOUNTANT, AS MAY BE APPROPRIATE.

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. AVAILABILITY OF PRODUCTS OR SERVICES MAY VARY BY STATE AND MAY NOT BE AVAILABLE TO YOU. NO ADVICE, RESULTS, OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SITE OR SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

Dispute Resolution and Arbitration

  1. Generally. In the interest of resolving disputes between you and Even Better Insurance in the most expedient and cost effective manner, you and Even Better Insurance agree that any dispute arising out of or in any way related to these Terms or your use of the Service will be resolved by binding arbitration. Arbitration is less formal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. This agreement to arbitrate disputes includes all claims arising out of or in any way related to these Terms or your use of the Service, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of these Terms. YOU UNDERSTAND AND AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND Even Better Insurance ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.

  2. Exceptions. Despite the provisions above, nothing in these Terms will be deemed to waive, preclude, or otherwise limit the right of either party to: (a) bring an individual action in small claims court; (b) pursue an enforcement action through the applicable federal, state, or local agency if that action is available; (c) seek injunctive relief in a court of law; or (d) to file suit in a court of law to address an intellectual property infringement claim (including any claim based on the unauthorized use of the Service).

  3. Arbitrator. Any arbitration between you and Even Better Insurance will be governed by the Federal Arbitration Act, and governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, “AAA Rules“) of the American Arbitration Association (“AAA“), as modified by these Terms, and will be administered by the AAA. The AAA Rules and filing forms are available online at www.adr.org, by calling the AAA at 1-800-778-7879, or by contacting Even Better Insurance. The arbitrator has exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this binding arbitration agreement.

  4. Notice; Process. A party who intends to seek arbitration must first send a written notice of the dispute to the other party by U.S. Mail or electronic mail (“Notice“). Even Better Insurance’s address for Notice is: 12818 Brookhurst St, Garden Grove, CA 92840 or info@evenbetterinsurance.com. The Notice must: (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought (“Demand“). The parties will make good faith efforts to resolve the claim directly, but if the parties do not reach an agreement to do so within 30 days after the Notice is received, you or eHealth may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by you or eHealth must not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any. If the dispute is finally resolved through arbitration in your favor, Even Better Insurance will pay you the highest of the following: (i) the amount awarded by the arbitrator, if any; (ii) the last written settlement amount offered by eHealth in settlement of the dispute prior to the arbitrator’s award; or (iii) $1,000.

  5. Fees. If you commence arbitration in accordance with these Terms, Even Better Insurance will reimburse you for your payment of the filing fee, unless your claim is for more than $15,000 or as set forth below, in which case the payment of any fees will be decided by the AAA Rules. Any arbitration hearing will take place at a location to be agreed upon in Orange County, California, but if the claim is for $15,000 or less, you may choose whether the arbitration will be conducted: (a) solely on the basis of documents submitted to the arbitrator; (b) through a non-appearance based telephone hearing; or (c) by an in-person hearing as established by the AAA Rules in the county (or parish) of your billing address. If the arbitrator finds that either the substance of your claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all fees will be governed by the AAA Rules. In that case, you agree to reimburse Even Better Insurance for all monies previously disbursed by it that are otherwise your obligation to pay under the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator must issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within 14 days of the arbitrator’s ruling on the merits.

  6. No Class Actions. YOU AND Even Better Insurance AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Even Better Insurance agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding.

  7. Modifications to this Arbitration Provision. If Even Better Insurance makes any future change to this arbitration provision, other than a change to Even Better Insurance’s address for Notice, you may reject the change by sending us written notice within 30 days of the change to Even Better Insurance’s address for Notice, in which case this arbitration provision, as in effect immediately prior to the changes you rejected, will continue to govern any disputes between you and Even Better Insurance.

  8. Enforceability. If Section 6 is found to be unenforceable or if the entirety of this Dispute Resolution and Arbitration Section is found to be unenforceable, then the entirety of this Dispute Resolution and Arbitration Section will be null and void and, in that case, the parties agree that the exclusive jurisdiction and venue described in the Governing Law section will govern any action arising out of or related to these Terms or your use of the Service.

  9. Opt Out. Arbitration is not a mandatory condition of these Terms. If you do not want to be subject to this Dispute Resolution and Arbitration provision, you may opt out of this Dispute Resolution and Arbitration provision by notifying Even Better Insurance in writing of your decision, either by sending, within thirty (30) days of the date you accept these Terms, (1) an electronic message to info@evenbetterinsurance.com, stating clearly your name and intent to opt out of the Dispute Resolution and Arbitration provision or (2) a letter sent by overnight mail by any nationally recognized delivery service (e.g, UPS, Federal Express, etc.), or by hand delivery to: attn: Even Better Insurance 12818 Brookhurst St, Garden Grove, CA 92840. In order to be effective, the letter under option (2) must clearly indicate your intent to opt out of this Dispute Resolution and Arbitration provision, and must be dated and signed. If emailed or hand delivered, the signed letter must be received within thirty (30) days of your acceptance of these Terms. If sent by overnight delivery service, the letter must be submitted for delivery to the delivery service within thirty (30) days from the date you accept these Terms. Should you choose not to opt out of this Dispute Resolution and Arbitration provision within the 30-day period, you and Even Better Insurance will be bound by the terms of this Dispute Resolution and Arbitration provision. You have the right to consult with counsel of your choice concerning this Dispute Resolution and Arbitration provision. You understand that you will not be subject to retaliation if you exercise your right to opt out of coverage under this Dispute Resolution and Arbitration provision.

Other

If 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.