effective May 1, 2021

These are the Terms and Conditions governing the use of the www.AccessHealthIns.com website and constitutes an agreement between Access Health Insurance Services, Inc. ("Access Health") and you. If you visit within this website, you hereby represent and warrant that you have read, understand and agree to be bound by this agreement. Please read them carefully.

These Terms and Conditions set out the rights and obligations of all visitors and users regarding the use of www.AccessHealthIns.com. If you disagree with any part of these Terms and Conditions, you may not access or use www.AccessHealthIns.com.


Please review our Privacy Policy, which also governs your visit to www.AccessHealthIns.com, which is incorporated into this agreement by reference.


When you visit www.AccessHealthIns.com or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Where Access Health requires that you provide an e-mail address, you are responsible for providing Access Health with your most current e-mail address.


All content included on www.AccessHealthIns.com, such as text, graphics, logos, button icons, images, videos, audio clips, websites, digital downloads, data compilations, and software, is the property of Access Health or its content suppliers and protected by international copyright laws. The compilation of all content on this site is the exclusive property of Access Health, with copyright authorship for this collection by Access Health and protected by international copyright laws. 


Access Health trademarks and trade dress may not be used in connection with any product or service that is not Access Health, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Access Health. All other trademarks not owned by Access Health or its subsidiaries that appear on www.AccessHealthIns.com are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Access Health or its subsidiaries.


Access Health grants you a limited license to access and make personal use of www.AccessHealthIns.com and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Access Health. This license does not include (i) any resale or commercial use of www.AccessHealthIns.com or its contents, (ii) any collection and use of any services, descriptions, or prices, (iii) any derivative use of www.AccessHealthIns.com or its contents, (iv) any downloading or copying of content or information for the benefit of another merchant, (v) or any use of data mining, robots, or similar data gathering and extraction tools. www.AccessHealthIns.com or any portion of www.AccessHealthIns.com may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Access Health.

You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of www.AccessHealthIns.com and our associates without express written consent. You may not use any meta tags or any other “hidden text” utilizing Access Health's name or trademarks without express written consent of Access Health. Any unauthorized use terminates the permission or license granted by Access Health.

You are granted a limited, revocable, and non-exclusive right to create a hyperlink to the home page of www.AccessHealthIns.com as long as the link does not portray Access Health, its associates, or their services in a false, misleading, derogatory, or otherwise offensive manner. You may not use the Access Health logo or other proprietary graphic or trademark as part of the link without express written permission.


www.AccessHealthIns.com may contain links to third-party websites or services that are not owned, operated or controlled by Access Health. Access Health has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that Access Health 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 the use of or reliance on any such content, products or services available on or through any such websites or services.

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


Visitors may submit questions or other information through www.AccessHealthIns.com’s Contact Us form, as long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third-parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of “phishing” or “spam.” You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin or other content. 


Access Health may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms and Conditions. Upon termination, your right to use www.AccessHealthIns.com will cease immediately.


To the maximum extent permitted under applicable law, Access Health, on its own behalf and service providers, expressly disclaims all warranties, express or implied, including but not limited to, implied warranties of merchantability and fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. You expressly agree that your use of www.AccessHealthIns.com is at your sole risk. Without limitation to the foregoing, Access Health provides no warranty or undertaking and makes no representation of any kind that www.AccessHealthIns.com will meet your requirements, achieve any intended results, be compatible or work with any other software, application, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected. Access Health does not warrant that www.AccessHealthIns.com, its servers, or e-mail sent from Access Health are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components. Access Health will not be liable for any damages of any kind arising from the use of www.AccessHealthIns.com, including but not limited to, direct, indirect, incidental, punitive, and consequential damages. www.AccessHealthIns.com is provided to you on an “AS IS” and “AS AVAILABLE” basis and with all faults and defects without warranty of any kind. Access Health makes no representations or warranties of any kind, express or implied, as to the operation of www.AccessHealthIns.com or the information, content, or materials included on www.AccessHealthIns.com.


To the maximum extent permitted by applicable law, in no event shall Access Health or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever, including but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use www.AccessHealthIns.com, third-party software and/or third-party hardware used with www.AccessHealthIns.com, or otherwise in connection with any provision of these Terms, even if Access Health or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.


The laws of the State of California, United States, excluding its conflict of law rules, shall govern these Terms and Conditions and your use of www.AccessHealthIns.com. Your use of www.AccessHealthIns.com may also be subject to other local, state, federal, or international laws.

DISPUTE resolution

I you have any concern or dispute about www.AccessHealthIns.com, you agree to first try to resolve the dispute informally by contacting Access Health.


Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not effect a party's ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute a waiver of any subsequent brach.


Access Health reserves the right to make changes to our site, policies, and these conditions of use at any time, effective upon posting of an updated version of these Terms and Conditions. You should regularly review this agreement.

You agree that your continued access or use of www.AccessHealthIns.com and services after any such modification constitutes your agreement to such modifications.

If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.


If you have any questions about our Terms and Conditions, please contact us through our Contact Us form.