Disclaimer

ShopHealthMN.com is a leading online source of information for people seeking to learn more about their insurance options.  The website is owned and operated by Long Term Care Insurance Advisors, Inc., a licensed insurance agency.

While every effort is made to ensure the accuracy of the content of the ShopHealthMN.com network, we cannot be held accountable for typographical errors, errors of fact, or any other error or inconsistency found on this or any other ShopHealthMN.com website. We hereby disclaim all liability from any damages resulting from the use of this or any other ShopHealthMN.com website, or the services provided on this or any other ShopHealthMN.com website.

Existing Insurance Coverage

DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT.

About This Site

This Website (hereinafter “the Site” or “this Site”) is for the use of consumers and small businesses who are researching and shopping for insurance products.  You are not permitted to use this Web Site or its contents for any commercial or non-personal purpose (direct or indirect). The Company reserves the right to prevent any party who engages in such non-permitted use(s) from accessing this website. 

ShopHealthMN.com 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 ShopHealthMN.

Personal and Noncommercial Use Limitation

In order to use the Services, you must be at least 18 years of age. In consideration of your use of the Services, you agree to provide true, accurate and current information about yourself as prompted by the required registration forms. This Site is for your personal, noncommercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or service found on or obtained from the Site; provided that you may download, reproduce, and retransmit ShopHealthMN.com information solely for non-commercial purposes within your organization. With the exception of the foregoing limited authorization, no license or right in any copyright of ShopHealthMN.com or any other party is granted or conferred to you.

The Site is provided on an “as is” basis without warranties of any kind, either express or implied, 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. YOUR USE OF THIS SITE IS AT YOUR OWN RISK. IN NO EVENT SHALL SHOPHEALTHMN.COM, ITS AGENTS, REPRESENTATIVES OR LICENSORS be liable for any LOSS OR INJURY OR ANY damages, either direct, indirect, punitive, special, incidental, consequential or otherwise, resulting from, or in any way connected to, the use of this Site OR ANY SHOPHEALTHMN.COM INFORMATION, in each case regardless of whether such damages are based on contract, tort, strict liability, or those other theories of liability. Some jurisdictions do not allow the exclusion of implied warranties or consequential or incidental damages, so portions of the above-referenced exclusions may not directly apply to you. YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST SHOPHEALTHMN.COM, ITS AGENTS, REPRESENTATIVES AND LICENSORS ARISING OUT OF YOUR USE OF THE SITE OR ANY OTHER SHOPHEALTHMN.COM INFORMATION.

Copyright and Proprietary Rights Information

The Site may contain technical inaccuracies or typographical errors or omissions. ShopHealthMN.com reserves the right to make changes, corrections and/or improvements to the Site, and to the 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 ShopHealthMN.com. No license or right to or in any such trademarks, patents, trade secrets, technologies, products, processes and other proprietary rights of ShopHealthMN.com and/or other parties is granted to or conferred upon you.

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

Your Use of The Service

You must be at least 18 years of age to use the Service. You warrant and agree that, while using the Service, you will not do any of the following:

Impersonate any other person or entity

Submit any information pertaining to a third party without that party's understanding and express consent

Submit false or misleading information

Exploit this Service for any commercial reason

Engage in any activity prohibited under the CAN-SPAM Act

Engage in any criminal or otherwise unlawful behavior

Commit any action which could give rise to civil liability

Restrict others from making use of this Service

Upload or attempt to upload any computer virus, malicious computer code, file program, or any other digital property

Commit any action that interferes with, blocks, or otherwise harms the Service

Links to the Web Site

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

Links to Third Party Sites

This Site may contain links to sites that are controlled by third parties. These linked sites are not under the control of ShopHealthMN.com, and ShopHealthMN.com is not responsible for the contents of any linked site or any link contained in a linked site. ShopHealthMN.com is providing those links to you only as a convenience, and the inclusion of any link does not imply endorsement by ShopHealthMN.com of any linked site or constitute any warranty by ShopHealthMN.com of any linked site or any items contained on such site

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 Minnesota applicable to contracts entered into and to be performed entirely within the State of Minnesota.

No Unlawful or Prohibited Use. As a condition of your use of the Site, you warrant to ShopHealthMN.com that you will not use the Site for a purpose that is unlawful or prohibited by these terms, conditions, and notices.

Disclaimer

The Service is 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 Service. We disclaim all warranties regarding the accuracy or reliability of the information provided, including the implied warranties of merchantability and fitness for a particular purpose, and non-infringement.

WE DO NOT WARRANT THAT THE SERVICE WILL BE SECURE, UNINTERRUPTED, OR ERROR-FREE, WE MAKE WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS. NO ADVICE, RESULTS, OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

WE MAKE NO WARRANTIES REGARDING THE AFFILIATION OF ANY PROVIDER WHO MAY CONTACT YOU. WE EXPRESSLY DISCLAIM ALL RESPONSIBILITY FOR THE ACTIONS OF ANY PROVIDER WHO MAY CONTACT YOU THROUGH THE SERVICE. IF YOU ARE DISSATISFIED WITH THE SERVICE, YOUR SOLE REMEDY IS TO DISCONTINUE ITS USE.

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. AVAILABILITY OF PRODUCTS OR SERVICES MAY VARY BY STATE AND MAY NOT BE AVAILABLE TO YOU.

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.

Limitation of Liability

WE SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, AND IN PARTICULAR, WE SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR ANY DAMAGES FOR LOST PROFITS, LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR RELATED TO THE SERVICE OR THE INFORMATION CONTAINED IN IT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnification

You agree to indemnify and hold harmless the Service (and its parents, directors, officers, employees, subsidiaries, agents, and affiliates) from any and all claims, liabilities, costs, and expenses, including reasonable attorneys' fees and costs, due to or arising in any way from the use or misuse by you of the Service, your violation of these Terms and Conditions, your violation of any law, or infringement by you of any right of any person or entity.

Proprietary Rights

We retain all rights, title, and interest in and to the Service, 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.

Third party logotypes, brandmarks, and service marks are the property of their respective owners.

Use of the Service by you does not grant to you ownership 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 the Service. Doing so may be a violation of applicable Federal and state laws and may subject you to liability.

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.

Contacting Us

If you have any questions about ShopHealthMN.com, this Site, our service, or this Privacy Policy, you may contact us at:

ShopHealthMN.com
15830 Venture Lane
Eden Prairie, MN  55344
1-952-937-9127

Changes and Updates

We reserve the right to make changes and updates to these Terms and Conditions at any time, at our sole discretion. An updated copy of these Terms and Conditions will be kept clearly posted and accessible on this Site at all times.

Licensing Information