Harkins Health Insurance Solutions, Inc.

Effective Date: March 27, 2025

Acceptance of Terms
By accessing or using this website (harkinshealth.com), you agree to be bound by these Terms and Conditions and our Privacy Policy (which is incorporated by reference). If you do not agree with these terms, please do not use our site.

Modifications to Terms
Harkins Health Insurance Solutions, Inc. reserves the right to change, modify, or update these Terms and Conditions at any time without prior notice. The most current version will be posted on the website and is effective immediately upon posting. Your continued use of the site constitutes acceptance of the modified terms.

Website Use

• Eligibility: This site is intended solely for users who are at least 18 years old. We do not market to or recommend this site for use by children under the age of 18.
• User Responsibilities: You agree to use the website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else’s use and enjoyment of the site.
• Prohibited Activities: Users are prohibited from engaging in any activities that could harm or impair the functionality or security of the site, including but not limited to the introduction of viruses, unauthorized data collection, or any other disruptive actions.

Intellectual Property
All content on this website, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, digital downloads, and data compilations, is the property of Harkins Health Insurance Solutions, Inc. or its content suppliers and is protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of Harkins Health Insurance Solutions, Inc. and protected by U.S. and international copyright laws.

Disclaimers and Limitation of Liability

• Disclaimer of Warranties: This website and its content are provided “as is” and “as available” without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
• Accuracy of Information: While we strive to provide accurate and up-to-date information, Harkins Health Insurance Solutions, Inc. does not warrant or guarantee that the content on the site is complete, accurate, or current.
• Limitation of Liability: In no event shall Harkins Health Insurance Solutions, Inc. be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of the website. This limitation applies to damages arising from the use of or inability to use the site, including errors, omissions, interruptions, defects, delays in operation or transmission, or computer virus infections.

Third-Party Links
This website may contain links to third-party websites that are not controlled or maintained by Harkins Health Insurance Solutions, Inc. We are not responsible for the content, privacy policies, or practices of any third-party sites. The inclusion of any link does not imply an endorsement of the third party by Harkins Health Insurance Solutions, Inc.

Privacy
Your use of the website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. By using the website, you consent to the practices described in our Privacy Policy.

Governing Law and Dispute Resolution
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of laws principles.

Dispute Resolution: Any dispute, controversy, or claim arising out of or relating to these Terms or your use of the website shall be resolved through informal negotiations. If unresolved, you agree to submit the matter to binding arbitration in accordance with the rules of the American Arbitration Association. Inquiries related to these Terms or any disputes should be directed to:

• Mail: Harkins Health Insurance Solutions, Inc., 4183 Franklin Rd, STE B1 PMB 221, Murfreesboro, TN 37128
• Email: [email protected]

Visitor Acknowledgment
Visitors from across the USA, including California, are welcome to access this site. Please be aware that certain state-specific laws may apply to your use of the website, and you agree to comply with any such laws.

Severability
If any provision of these Terms is found to be invalid or unenforceable under any applicable law, such invalidity will not affect the enforceability of any other provisions, and the affected provision will be modified to reflect the parties’ original intent as closely as possible.

Contact Information
For any questions, concerns, or disputes regarding these Terms and Conditions, please contact us at:

• Mail: Harkins Health Insurance Solutions, Inc.
  4183 Franklin Rd, STE B1 PMB 221
  Murfreesboro, TN 37128
• Email: [email protected]