Terms And conditions
Welcome to HealthFin Solutions LLC These Terms and Conditions (“Terms”) govern your access to and use of the website located at, www.healthfinsolutions.com] (the “Website”), operated by HealthFin Solutions LLC, a licensed life insurance agent (“I,” “me,” “my,” or “HealthFin Solutions LLC”).
By accessing or using the Website, including contacting me, requesting information, or booking an appointment, you signify that you have read, understood, and agree to be bound by these Terms, my Privacy Policy, and any other applicable policies or guidelines referenced herein. If you do not agree to these Terms, you may not access or use the Website.
1. Nature of Our Service
HealthFin Solutions LLC, is the official website of “HealthFin Solutions LLC, a licensed life insurance agent on This Website is designed to provide general information about life insurance, capture leads, and facilitate direct communication with me to discuss your insurance needs.
Licensed Agent: I am a licensed life insurance agent, authorized to discuss, quote, and sell life insurance products from various insurance carriers.
Informational Purposes Only: The content on this Website, including articles, guides, and general descriptions of life insurance products, is provided for informational purposes only. It is intended to offer a general understanding of life insurance concepts and options.
No Personalized Advice Without Consultation: The information on this Website does not constitute personalized financial, legal, tax, or insurance advice tailored to your specific situation. Providing me with your information through the Website (e.g., via contact forms or appointment booking) does not establish an agent-client relationship or obligate me to provide you with specific advice or a quote without direct communication and a full understanding of your needs.
Free Quote Offer: I offer a free, no-obligation life insurance quote. This quote will be provided after you contact me directly (by phone or by booking a consultation) and we have had an opportunity to discuss your individual circumstances, needs, and health information, enabling me to assess your eligibility and present suitable options.
Product Availability: The availability of specific insurance products, carriers, and rates depends on various factors, including your state of residence, age, health, and the underwriting criteria of the respective insurance carriers. Not all products or carriers may be available in all states or to all individuals.
No Guarantee of Coverage or Rates: Contacting me or requesting a quote does not guarantee that you will be eligible for life insurance coverage or that you will receive specific rates. Final eligibility, rates, terms, and conditions are determined solely by the insurance carrier based on their underwriting guidelines, a completed application, and often, a medical exam.
Binding Coverage: No insurance coverage is bound or in effect by submitting information through this Website or by receiving a quote from me until a formal application has been completed, approved by the insurance carrier, and the initial premium has been paid.
2. Eligibility and User Obligations
Legal Age: By using this Website, you represent that you are at least eighteen (18) years of age or the age of majority in your jurisdiction, whichever is greater, and are legally capable of entering into a binding agreement.
Accurate Information: You agree to provide true, accurate, current, and complete information when filling out any forms on the Website (e.g., contact forms, appointment booking forms). You understand that providing false or misleading information may impact my ability to assist you or provide an accurate quote.
Lawful Use: You agree to use the Website only for lawful purposes and in accordance with these Terms. You shall not use the Website in any way that violates any applicable federal, state, local, or international law or regulation.
Prohibited Activities: You agree not to: Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity. Use the Website for any fraudulent or illegal activity. Attempt to gain unauthorized access to any portion of the Website, other accounts, computer systems, or networks connected to the Website, through hacking, password mining, or any other means. Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools. Interfere with or disrupt the integrity or performance of the Website or the data contained therein. Upload or transmit any malicious code, viruses, or other harmful components. Collect or harvest any personally identifiable information from the Website, except as expressly permitted by these Terms.
3. Consent to Communication and Data Sharing
By submitting your information, including but not limited to your name, contact details (phone number, email address), location, and any preliminary health or financial information, through the Website’s contact forms, appointment booking system, or other inquiry methods, you hereby provide your explicit and unambiguous consent to the following:
Consent to be Contacted: You consent to be contacted by me (HealthFin Solutions LLC) and my authorized administrative assistants or staff via various communication methods, including: Telephone calls (including landlines and wireless phones), even if your phone number is on any state, federal, or corporate Do Not Call (DNC) list. This consent applies to calls made manually, or if applicable, using an automatic telephone dialing system, prerecorded messages, or artificial voice messages for legitimate business purposes related to your inquiry. Text messages (SMS/MMS), even if your phone number is on any DNC list. Standard message and data rates may apply based on your mobile plan. Email messages. Postal mail.
Purpose of Contact: You understand that the purpose of this contact is to respond to your inquiries, schedule appointments, discuss your life insurance needs, provide free quotes, offer information about life insurance products, and assist you with the application process.
Data Sharing Consent: You explicitly consent to HealthFin Solutions LLC collecting and retaining the information you provide. I may share your information with licensed insurance carriers, their authorized representatives, and/or third-party service providers (e.g., for underwriting support, application processing, or lead management systems) solely for the purpose of assessing your eligibility, providing quotes, processing your application, or fulfilling your request for information. Your sensitive health information will be handled in compliance with applicable privacy regulations, including HIPAA.
No Condition of Purchase: You understand that providing this consent is not a condition of purchasing any goods or services from HealthFin Solutions LLC.
Opt-Out Mechanism: You may withdraw your consent to receive future communications at any time. To opt-out of phone calls, you may request to be placed on my internal Do Not Call list during a call, or by contacting me directly at [email protected] “Subject: Opt out”. To opt-out of text messages, reply “STOP” to any message received. To opt-out of emails, click the “unsubscribe” link in any email you receive. Please note that opting out of one form of communication may not opt you out of others, and it may take a reasonable amount of time to process your request.
4. Privacy Policy
Your use of the Website and any information you provide is also governed by my Privacy Policy, which is incorporated into these Terms by this reference. Please review my Privacy Policy to understand my practices regarding the collection, use, protection, and disclosure of your personal information, including sensitive health-related information, and how I comply with applicable privacy laws (e.g., HIPAA, GLBA, CCPA/CPRA, etc.).
5. Intellectual Property Rights
Ownership: All content on the Website, including but not limited to text, graphics, logos, images, software, audio clips, video clips, data compilations, and the compilation thereof (collectively, “Content”), is the property of “HealthFin Solutions LLC” HealthFin Solutions LLC, or its content suppliers and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
Limited License: I grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website and its Content for your personal, non-commercial use, solely for the purpose of seeking life insurance information and considering my services.
Restrictions: You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the Content on my Website, except as generally and ordinarily permitted through the Website’s functionality or for your personal, non-commercial use, provided you keep intact all copyright and other proprietary notices.
6. Disclaimer of Warranties
THE WEBSITE AND ALL CONTENT, INFORMATION, PRODUCTS, AND SERVICES PROVIDED THROUGH IT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, HEALTHFIN SOLUTIONS LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
HEALTHFIN SOLUTIONS LLC DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. HEALTHFIN SOLUTIONS DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE WEBSITE IN TERMS OF ITS CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE.
7. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL HEALTHFIN SOLUTIONS LLC, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE WEBSITE, ANY CONTENT ON THE WEBSITE, OR ANY SERVICES OR PRODUCTS OBTAINED THROUGH THE WEBSITE, EVEN IF HEALTHFIN SOLUTIONS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, HEALTHFIN SOLUTIONS LLC’S CUMULATIVE LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO HEALTHFIN SOLUTIONS FOR ACCESS TO OR USE OF THE WEBSITE DURING THE SIX (6) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM.
8. Indemnification
You agree to defend, indemnify, and hold harmless HealthFin Solutions LLC, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to:
Your violation of these Terms or your use of the Website.
Your provision of inaccurate or misleading information.
Your violation of any rights of another party, including without limitation, any intellectual property rights or privacy rights.
Your interactions with any insurance carriers or third parties based on information provided through the Website.
9. Governing Law and Dispute Resolution
Governing Law: These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.
Dispute Resolution: Any dispute, controversy, or claim arising out of or relating to these Terms or your use of the Website, including your request for information or a quote, shall be resolved exclusively through binding arbitration administered by the American Arbitration Association (“AAA”) in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Los Angeles, California, or another mutually agreed-upon location. The judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. You agree that any claim or dispute you may have against HealthFin Solutions LLC must be resolved by arbitration on an individual basis. You may not bring a claim as a plaintiff or a class member in a class action, consolidated action, or representative action.
10. Changes to the Terms
I may revise and update these Terms from time to time in my sole discretion. All changes are effective immediately when I post them and apply to all access to and use of the Website thereafter. Your continued use of the Website following theposting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.
11. Miscellaneous
Severability: If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.
Entire Agreement: These Terms and my Privacy Policy constitute the sole and entire agreement between you and HealthFin Solutions regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.
Waiver: No waiver by HealthFin Solutions LLC of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of HealthFin Solutions LLC to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
Headings: The headings in these Terms are for convenience only and have no legal or contractual effect.
12. Contact Information
If you have any questions about these Terms or the Website, please contact me at:
HealthFin Solutions LLC 732 S 6th St #5302, Las Vegas, NV 89101.
Phone Number: +1 725 910 2700
Email: [email protected]
13. Licensed in:
Nevada, Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Mississippi, Missouri, Nebraska, New Mexico, North Carolina, Ohio, Oregon, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia , Wisconsin.
(If your state is not listed, call and ask us about your state. We have agents in most states.)