Terms of Use and Privacy Statement

Terms of Use

Thank you for visiting our website. Please read the following information in its entirety since they represent a binding agreement between you and us.

Information Displayed on this Website

We have made reasonable efforts to present accurate information on this website; however it is possible that information found on this website may be out-of-date.

Any medical or health-related information presented on this website is general in nature. We do not furnish or render professional health care services or medical care. Therefore, the information presented on this website is not a substitute for professional medical advice, diagnosis or treatment, nor is it intended to provide you with a specific diagnosis or treatment for a specific ailment. The information is made available to you for educational and informational purposes and does not constitute the practice of medicine and/or as a substitute for consultation with your personal health care provider, nor does it constitute an offer to sell or promote any product or service to non-Texas residents.

Any financial or tax information on this website is general in nature and is  not intended as a substitute for professional financial or tax advice. The information is made available to you for educational and informational purposes and does not constitute the practice of law or financial advice.

If you are applying for insurance through our website: The following information applies to the online premium credit estimating tool. This estimating tool is provided for information purposes only, and you are responsible for the accuracy of the information that you enter. Any results derived from the estimating tool should be used as a general guide only; your final Advanced Premium Tax Credit amount can only be received from the Health Insurance Marketplace.

Online Security

When you are submitting or transferring data via the internet there is no guarantee that the confidentiality or security of electronic transmissions via the Internet can be assured due to potentially unsecure computers and links. This could result in your data becoming lost or intercepted during transmission. Please use good judgment before deciding to send information via the Internet.

Third-Party Links

For your convenience and use, our website offers you links to other websites and pages hosted by independent third parties. We make no guarantee and disclaim any implied representations or warranties about the accuracy, relevance, timeliness, completeness, or appropriateness of these third-party websites, the information contained in them or the products or services they provide.

Your access and use of such websites, including the content, information or services on those sites, is solely at your own risk. Your use of those third-party websites may subject you to separate binding agreements and privacy statements. So, be sure to read each of those additional agreements and statements and have a working understanding of those terms.

You agree to not:

Use any device or computer program in order to interfere or attempt to interfere with the proper operation of this website (e.g., hacking, denial of service attacks), including any activity that precedes attempts to breach security such as scanning, probing, or other testing or vulnerability assessment activity, or engaging in or permitting any network or hosting activity that results in the blacklisting or other blockage of our IP space;
Copy, reprint, modify, lease, distribute, assign, sell content, license, reverse engineer or create derivative works retrieved from this website or any of the third-party websites we may provide links to;
Use this website in a manner that may adversely affect this website’s resources or its availability to others, or that violates U.S., local, state or federal law.

Privacy Statement

We know how important the security and privacy of data is to you. Therefore, please review the following statement which explains what data we collect, how we use the personal information you provide, and how we keep that information secure. “Personal information” refers to data that is unique to you such as name, birth date, address, email address, IP address and telephone number. If you encounter a screen or page that requests information you do not want to share with us, do not enter the information and do not proceed with that screen or page.

Information Collected and Used

For purposes of this site, we may collect and use your email or phone/text number that you provide in order to respond to your inquiry or to send you information about a service or resource that you expressed interest in. We will continue to send your information unless you request us to stop or opt out. In addition, we may receive information from the third-party sites that you access through our site.

You may also decide to use your email or text number to ask us questions and provide comments about our website or services. You are encouraged to provide this feedback. We do share these messages with individuals in the organization who can appropriately respond; we may preserve the content of your message along with our response.

It is important to use good judgment when sending information to us via email or text. These messages may pass through private and public networks with varying levels of security. Some networks may have taken steps to secure these transmissions while others have not which could affect the privacy and integrity of the information you send.

Governing Law

These Terms of Use and your use of our website are governed exclusively by the laws of the State of Texas, without reference to its rules regarding choice of law.

Limitation of Liability

You agree that you use this website at your own risk. We have no liability for any damages (whether direct or indirect, special, incidental, consequential or punitive) incurred by you as a result of your use of this website or the information you receive from or submit to this website.

We shall have no liability whatsoever for failure of electronic or mechanical equipment or communication, telephone or other connection problems, computer viruses, unauthorized access or interception of data from this website, theft or errors.

Ownership and Copyright Protection

All right, title and interest in the content (including software, text and images) and other intellectual property (including trademarks, service marks and copyrights) on this website are solely and exclusively our property, and are protected by intellectual property laws. You acknowledge that content available through the website, including, without limitation, content of third parties is protected by copyright, trademark, patent or other intellectual proprietary rights and laws.