Terms of Use

Welcome to wyoming-health-insurance-guide.com ("the Health Insurance Guide"), a website of Dreamcatcher Net.

1. Acceptance of Terms of Use

The Health Insurance Guide offers information for the purposes of consumer research and education. Please read these Terms of Use (the "Terms") carefully before using the Health Insurance Guide. By using the information posted at the Health Insurance Guide, you are indicating that you agree to be bound by the Terms, as well as by all other applicable laws and regulations concerning the use of the Health Insurance Guide website and information. If you do not agree with the Terms, please do not use the Health Insurance Guide.

2. Scope of the Website

The information provided at the Health Insurance Guide is for informational purposes only and is not meant to substitute for the advice provided by licensed professionals in the areas of health insurance, financial planning, accounting practices, tax planning or investments. You should not rely on information provide at the Health Insurance Guide in determining a course of action to be taken on your or your family's behalf, and you are responsible for consulting with licensed and/or qualified professionals in your area prior to acting on any information derived from your use of the Health Insurance Guide.

3. Responsibility for Content

Dreamcatcher Net, publisher of the Health Insurance Guide, is not an authorized health insurance agent or broker and does not offer health insurance packages for sale. For your convenience in quickly and easily finding health insurance quotes and policy terms that will meet your needs, the Health Insurance Guide may provide links to certain licensed health insurance agents or brokers. In this event, Dreamcatcher Net and the Health Insurance Guide does not independently verify the authenticity or accuracy of the content provided by such agents or brokers, does not endorse or support any opinions, products, or services of such agents or brokers, and is not in any way responsible for the actions of such agents or brokers.

Please be advised that the evaluation, selection, and purchase of health insurance policies can be very complicated, and you are responsible for asking all necessary questions and confirming all details of policy coverage prior to final acceptance of the policy. You should not cancel any existing health insurance until: (1) you have been approved for the coverage you have applied for; (2) you have received the detailed policy terms that are being offered by the insurance company; and (3) you have reviewed all policy pricing, terms, riders and waivers that may apply.

4. Intellectual Property Rights

Materials and content found at the Health Insurance Guide are protected by U.S. and international copyright laws. Dreamcatcher Net owns all right, title and interest in the materials and content posted in the Health Insurance Guide. Health Insurance Guide materials and content may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. For purposes of these Terms, the use of any such material on any other website or networked computer environment is prohibited.

5. Privacy Policy

The Health Insurance Guide Privacy Policy is posted here and is incorporated herein by reference.

6. Disclaimer, Limitation of Liability, and Warranty

The Health Insurance Guide makes no representations or warranties with respect to any information contained or opinions expressed on the Health Insurance Guide. The Health Insurance Guide disclaims all liability for loss or damage caused by a user's reliance on information obtained on the Health Insurance Guide. This disclaimer of liability applies to any direct or indirect damages or injury caused by the failure of performance, error, omission, interruption, deletion, defect, delay in operation of transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of your records, whether for breach of contract, tortuous behavior, negligence, or under any other cause of action. Neither the Health Insurance Guide nor any of its agents, affiliates, or content providers shall be liable for direct, indirect, incidental, special or consequential damages arising out of use of the Health Insurance Guide, such as, but not limited to, loss of anticipated profits, benefits, use, or data resulting from the use of the website content. You hereby acknowledge that the provisions of this section shall apply to all content on the Health Insurance Guide.

7. Indemnification

By using the Health Insurance Guide, you agree to indemnify the Health Insurance Guide, Dreamcatcher Net and their respective employees, agents, and representatives, and to hold them harmless, from any and all claims and liabilities (including attorneys' fees) which may arise from acts including, but not limited to, your use of materials obtained through the Health Insurance Guide or your breach of the terms of these Terms of Use.

8. Miscellaneous

This Agreement shall be interpreted in accordance with the laws of the State of Arizona without regard to its conflicts of law principles. In the event that any provision of these Terms of Use is determined to be invalid or unenforceable, such provision shall be severed from the Terms of Use, and the remainder of the Terms of Use shall continue to be valid and enforceable. These Terms of Use, as may be amended from time to time, including all agreements and policies incorporated by reference herein, constitute the complete and exclusive agreement between the Health Insurance Guide and you with respect to the subject matter hereof and supersede all prior discussions, understandings and agreements with respect to the subject matter hereof.

9. Effective Date and Amendments

These Terms of Use are effective as of June 1, 2005. The Health Insurance Guide reserves the right to modify these Terms of Use at any time by posting the amended terms in the Health Insurance Guide. Unless otherwise specified, all amended Terms of Use take effect automatically when they are initially posted to the Health Insurance Guide. Your continued use of the Health Insurance Guide following any amendment will constitute your agreement to such amendment.