Terms of Use

Last Revised: October 10, 2007

The following Terms and Conditions govern your use of the complete CobraHealthPlans.com website. Please read them carefully in addition to the Privacy Policy also found on CobraHealthPlans.com. By using the site, you accept and agree to be bound to the Terms and Conditions on this page in addition to the Privacy Policy also found on CobraHealthPlans.com. If you do not agree to these Terms and Conditions or the Privacy Policy, you may not access or otherwise use CobraHealthPlans.com.

The CobraHealthPlans.com website is not intended to be used by children under the age of 18. CobraHealthPlans.com does not intentionally market to or knowingly collect information from persons under the age of 18. The CobraHealthPlans.com website is intended for persons living inside the United States.

By utilizing the services provided by our website(s) you acknowledge and agree that:

• Information you submit is true, accurate and complete, and you are an actual person knowingly submitting your personal information
• Your information may be sent to third-parties who may contact you via phone and/or postal or email address for the purpose of providing you with insurance and/or financial quotes or other related products or services
• CobraHealthPlans.com may contact you via email address and/or phone number in order to fully provide requested services
• You have the right to not submit any information via our web sites; however, you understand you will not receive any quotes or services from CobraHealthPlans.com.
• Any information submitted to CobraHealthPlans.com via the Site or email becomes the property of CobraHealthPlans.com. (except as defined below regarding "User Submissions").

Your use of the Community section of CobraHealthPlans.com:

In addition to the terms above, the following restrictions and conditions apply specifically to your use of content on the Community section of CobraHealthPlans.com.

You may submit textual content ("User Comments"). User Comments are collectively referred to as "User Submissions." You understand that whether or not such User Submissions are published, CobraHealthPlans.com does not guarantee any confidentiality with respect to any User Submissions.

CobraHealthPlans.com does not encourage or solicit personally identifiable information to be submitted in the Community section of CobraHealthPlans.com and you agree to waive, and hereby do waive, any legal or equitable rights or remedies you have or may have against CobraHealthPlans.com with respect thereto, and agree to indemnify and hold CobraHealthPlans.com, its Owners/Operators, affiliates, and/or licensors, harmless to the fullest extent allowed by law regarding all matters related to your use of the site.

You shall be solely responsible for your own User Submissions and the consequences of posting or publishing them. In connection with User Submissions, you affirm, represent, and/or warrant that: you own or have the necessary licenses, rights, consents, and permissions to use and authorize CobraHealthPlans.com to use all patent, trademark, trade secret, copyright or other proprietary rights in and to any and all User Submissions to enable inclusion and use of the User Submissions in the manner contemplated by the Website and these Terms of Service.

The content on the CobraHealthPlans.com Website, except all User Submissions (as defined below), including without limitation, the text, software, scripts, graphics, photos, sounds, music, videos, interactive features and the like ("Content") and the trademarks, service marks and logos contained therein ("Marks"), are owned by or licensed to CobraHealthPlans.com, subject to copyright and other intellectual property rights under the law. Content on the Website is provided to you AS IS for your information and personal use only and may not be downloaded, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes whatsoever without the prior written consent of the respective owners. CobraHealthPlans.com reserves all rights not expressly granted in and to the Website and the Content.

User Comments in the Community section of CobraHealthPlans.com are made available to you for your information and personal use. User Comments are made available "as is", and may not be used, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, downloaded, or otherwise exploited in any manner not intended by the normal functionality of the CobraHealthPlans.com website or otherwise as prohibited under this Agreement.

You understand that when using the CobraHealthPlans.com Website, you will be exposed to User Submissions from a variety of sources, and that CobraHealthPlans.com is not responsible for the accuracy, usefulness, safety, or intellectual property rights of or relating to such User Submissions. You further understand and acknowledge that you may be exposed to User Submissions that are inaccurate, offensive, indecent, or objectionable, and you agree to waive, and hereby do waive, any legal or equitable rights or remedies you have or may have against CobraHealthPlans.com with respect thereto, and agree to indemnify and hold CobraHealthPlans.com, its Owners/Operators, affiliates, and/or licensors, harmless to the fullest extent allowed by law regarding all matters related to your use of the site.

For clarity, you retain all of your ownership rights in your User Submissions. However, by submitting User Submissions to CobraHealthPlans.com, you hereby grant CobraHealthPlans.com a worldwide, non-exclusive, royalty-free, sublicenseable and transferable license to use, reproduce, distribute, edit, and display, the User Submissions in connection with the CobraHealthPlans.com Website and CobraHealthPlans.com's (and its successors' and affiliates') business, including without limitation for promoting and redistributing part or all of the CobraHealthPlans.com Website (and derivative works thereof) in any media formats and through any media channels. You also hereby grant each user of the CobraHealthPlans.com Website a non-exclusive license to access your User Submissions through the Website under these Terms of Service. You understand and agree, that CobraHealthPlans.com may retain, but not display, server copies of User Submissions that have been removed or deleted. The above licenses granted by you in User Comments are perpetual and irrevocable.

In connection with User Submissions, you further agree that you will not submit material that is copyrighted, protected by trade secret or otherwise subject to third party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material and to grant CobraHealthPlans.com all of the license rights granted herein.

CobraHealthPlans.com does not endorse any User Submission or any opinion, recommendation, or advice expressed therein, and CobraHealthPlans.com expressly disclaims any and all liability in connection with User Submissions. CobraHealthPlans.com does not permit copyright infringing activities and infringement of intellectual property rights on its Website, and CobraHealthPlans.com will remove all Content and User Submissions if properly notified that such Content or User Submission infringes on another's intellectual property rights. CobraHealthPlans.com reserves the right to remove Content and User Submissions without prior notice.

Our web sites may utilize session cookies to function properly. When your browser window is closed, the session is ended and no cookie is left on your computer.

CobraHealthPlans.com web servers use log files, which track and save information about traffic to our websites. We may track IP addresses, browser types, referring pages, exit pages, platform type, date/time stamp, etc. This information also does not personally identify nor is it cross-referenced to any personally identifiable information submitted by you.

CobraHealthPlans.com is not an insurance company or provider or a bank, financial or lending institution. CobraHealthPlans.com does not provide insurance or financial quotes. All quotes are provided by our partners and/or individual agents. By submitting your personal information to us as part of a request for information about insurance or financial quotes and policies, you authorize us to provide that information to various insurance or financial agents, companies and/or related third parties.

The CobraHealthPlans.com Terms and Conditions are subject to change at any time without prior notice. The subsequent use of this site after any such changes to the Terms and Conditions signifies both acknowledgment and acceptance of such changes.

Cookies
Our web sites may utilize session cookies to function properly. When your browser window is closed, the session is ended and no cookie is left on your computer.

Log Files
CobraHealthPlans.com web servers use log files, which track and save information about traffic to our websites. We may track IP addresses, browser types, referring pages, exit pages, platform type, date/time stamp, etc. This information also does not personally identify nor is it cross-referenced to any personally identifiable information submitted by you.

CobraHealthPlans.com is not an insurance company or provider or a bank, financial or lending institution. CobraHealthPlans.com does not provide insurance or financial quotes. All quotes are provided by our partners and/or individual agents. By submitting your personal information to us as part of a request for information about insurance or financial quotes and policies, you authorize us to provide that information to various insurance or financial agents, companies and/or related third parties.

Warranty Disclaimer
YOU AGREE THAT YOUR USE OF THE CobraHealthPlans.com WEBSITE SHALL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, CobraHealthPlans.com, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE WEBSITE AND YOUR USE THEREOF. CobraHealthPlans.com MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THIS SITE'S CONTENT OR THE CONTENT OF ANY SITES LINKED TO THIS SITE AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR WEBSITE, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR WEBSITE, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH OUR WEBSITE BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE CobraHealthPlans.com WEBSITE. CobraHealthPlans.com DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE CobraHealthPlans.com WEBSITE OR ANY HYPERLINKED WEBSITE OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND CobraHealthPlans.com WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

Limitation of Liability
IN NO EVENT SHALL CobraHealthPlans.com, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR WEBSITE, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR WEBSITE, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH OUR WEBSITE BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF YOUR USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE CobraHealthPlans.com WEBSITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. YOU SPECIFICALLY ACKNOWLEDGE THAT CobraHealthPlans.com SHALL NOT BE LIABLE FOR USER SUBMISSIONS OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY AND THAT THE RISK OF HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY WITH YOU. The Website is controlled and offered by CobraHealthPlans.com from its facilities in the United States of America. CobraHealthPlans.com makes no representations that the CobraHealthPlans.com Website is appropriate or available for use in other locations. Those who access or use the CobraHealthPlans.com Website from other jurisdictions do so at their own volition and are responsible for compliance with local law.

Indemnity
You agree to defend, indemnify and hold harmless CobraHealthPlans.com, its parent corporation, officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to the CobraHealthPlans.com Website; (ii) your violation of any term of these Terms of Service; (iii) your violation of any third party right, including without limitation any copyright, property, or privacy right; or (iv) any claim that one of your User Submissions caused damage to a third party. This defense and indemnification obligation will survive these Terms of Service and your use of the CobraHealthPlans.com Website.

Ability to Accept Terms of Service
You affirm that you are either more than 18 years of age, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms of Service, and to abide by and comply with these Terms of Service. In any case, you affirm that you are over the age of 18, as the CobraHealthPlans.com Website is not intended for children under 18. If you are under 18 years of age, then please do not use the CobraHealthPlans.com Website.

The CobraHealthPlans.com Terms and Conditions are subject to change at any time without prior notice. The subsequent use of this site after any such changes to the Terms and Conditions signifies both acknowledgment and acceptance of such changes.

Please read the InsuredAtLast.com Privacy Policy for More information.

For further information and correspondence regarding these Terms and Conditions, please contact us:

CobraHealthPlans.com
One Penn Plaza, #6254
New York, NY 10119