Terms & Conditions – HB Health Advisors LLC (hadvs.com)

Last Updated: October 2025

1. Agreement to Terms
By accessing or using hadvs.com (the “Website”), you agree to these Terms and Conditions (“Terms”). If you do not agree, do not use this Website. HB Health Advisors LLC (“we,” “our,” or “us”) may update these Terms at any time. Continued use of the Website means you accept any changes.

2. Business Information
HB Health Advisors LLC
Boynton Beach, FL 33426
Email: info@hadvs.com | Phone: 866-604-0955
Licensed Health Insurance Agency | NPNs: 19539931, 21448409

3. Use of Website
The Website is intended for U.S. residents seeking health insurance information and quotes. You agree to use it only for lawful purposes and not to submit false, misleading, or unauthorized information.

4. No Guarantee of Coverage
Submitting information on this Website does not guarantee eligibility for insurance coverage. Coverage is effective only after an application is submitted, reviewed, and approved by the insurance carrier. Benefit limitations and exclusions apply.

5. Consent to Contact
By submitting your contact information through this Website, you expressly consent for HB Health Advisors LLC and its representatives to contact you at the phone number and email provided, including via text message, call, or prerecorded voice using automated technology.

• Consent is not required to make a purchase.

• Message and data rates may apply.

• You may opt out of text communications by replying STOP or emailing info@hadvs.com.

6. Intellectual Property
All content on this Website—including text, graphics, logos, and layout—is owned or licensed by HB Health Advisors LLC and protected by law. You may not reproduce or distribute any material without written consent.

7. Privacy
Your use of the Website is also governed by our [Privacy Policy], which describes how we collect, use, and protect your information.

8. Third-Party Links
The Website may contain links to third-party websites, including HealthCare.gov or private insurance carrier portals. We are not responsible for their content, accuracy, or privacy practices.

9. Disclaimer of Liability
Information on this Website is provided for general educational purposes. While we strive to keep it accurate, we make no guarantees. HB Health Advisors LLC is not liable for any damages or losses arising from use of the Website or reliance on its content.

10. Compliance Notice
HB Health Advisors LLC complies with all applicable federal laws, including 45 CFR 155.220(c) and (d) and 45 CFR 155.260, which protect the privacy and security of personally identifiable information.

11. Governing Law
These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.

12. Contact Information
Questions about these Terms can be sent to:
HB Health Advisors LLC
Email: info@hadvs.com
Phone: 866-604-0955